Best by State.

Best Affordable Auto Insurance in Iowa
Get Free Quotes and Find the Best Coverage

Iowa auto insurance is straight forward and easy to understand. Citizens are able to find cheap car insurance if they are willing to get multiple free quotes and shop around for the best premiums and policies. State law in Iowa requires all drivers to have liability insurance in order to operate a motor vehicle on public roads and highways. Policies must also have both bodily injury liability insurance and property damage liability insurance. Bodily injury liability must be in the amount of $20,000 and will provide medical expenses to one person injured or killed in an accident you caused. Your policy must also have $40,000 worth of coverage for this same insurance to protect you in case two or more people are injured or killed in an accident you caused. The property damage liability clause in a basic insurance policy must be at least $15,000 and protects you in case an accident you are at fault for damages another person's property. The state of Iowa does not require any additional coverage such as collision, comprehensive or uninsured/underinsured motorist even though for some drivers these coverages can be beneficial. Finding the best and most affordable auto insurance in Iowa can be an arduous task. Thankfully here at Best Auto we have done all the hard work to help you not only get free quotes, but find the best coverage and policy in Iowa. Below is all of the essential car insurance information you need, as well as the best auto insurance companies serving the Hawkeye State.

Understanding Iowa's Auto Insurance Requirements

Remember that the minimum requirement for car insurance differs from state to state and in order to get the best auto insurance quotes in Iowa one must understand what coverage they need. Car insurance is usually less expensive in Iowa because they are not a no-fault state and policies do not need to include Personal Injury Protection (PIP) or protection from uninsured motorist coverage.

In insurance vernacular a state's basic information on minimums for coverage are presented in the Body Injury Liability for 1 person/Body Injury Liability for all people/Property Liability Damage format. Body Injury liability refers the minimum dollar amount required for one person in an accident. Body Injury Liability for all people is the minimum amount required for coverage in an accident involving at least 1 driver and 1 passenger. Property Liability Damage refers to the minimum amount required for any accident in which property is damaged. In Iowa the minimums are 25/50/10. The numbers are in thousands of dollars.

Iowa Car Insurance Facts & Car Insurance In Comparison:

  • Liability Insurance Required: Yes
  • Minimum Coverage Required: 25/50/10
  • No-Fault State: Yes
  • Personal Injury Protection Required: Yes
  • Uninsured Motorist Coverage Required: Yes
  • Average Liability Cost: $272
  • Average Collision Cost: $193
  • Average Comprehensive Cost: $155
  • Average Cost per Year in Iowa: $518
  • US Average Cost: $795
  • Expense Rank: 50/51

Best Iowa Auto and Car Insurance Companies

J.D. Power
Overall Rank
Customer
Satisfaction
N/R
N/A N/R
41%
N/A 53%
37%
40%
55%
N/R
30%
N/A N/R
N/A 48%
39%
63%
49%
N/A 42%
N/A 55%
34%
N/R
N/A N/R
35%
N/A 23%
42%
N/R
N/A 50%
N/A N/R
N/R
N/A 75%
N/R
34%
33%
N/A 42%
N/A N/R
N/A N/R
N/A 65%
N/A N/R
N/A 34%