Cheap Car Insurance in Iowa

Scouring the web for Iowa automobile insurance? If you are living in Des Moines , Cedar Rapids, Davenport, Sioux City, or Iowa City, you can find up to ten rate quotes from first rate insurers near you via Prices fluctuate by provider and you ought to compare rates thoroughly before you obtain a policy. We’ll enable you to pick the coverage that best suits your needs.

Iowa Auto Insurance – Average Premiums

Iowa drivers right now might be paying around $64 each month for their automotive policy. But if this number doesn’t reflect your current situation, understand that it is just an average of drivers across the entire state. In Davenport, for example, prices can be as low as $59/mo, or they can be as high as $68/mo in a place like Iowa City.

Average Auto Insurance Costs in Iowa Legend: Major City Cedar Rapids Davenport Des Moines Iowa City Sioux City State Average 10 20 30 40 50 60 $64 $59 $63 $68 $64 $64


Another factor that will affect the cost of your car insurance policy is your age. Because younger drivers have less experience and tend to take more risks behind the wheel than older motorists, they are often charged higher insurance premiums.

Important Iowa Auto Insurance Laws and Requirements

Purchasing cheap Iowa car insurance is easier than you might think. Iowa doesn’t require the purchase of no-fault insurance because they don’t have any no-fault laws on their books. If you get into an accident which results in more than $1,000 of property damages or injuries, you have 72 hours to file a report with the Office of Driver services. Your obligation is waived, however, if an officer at the scene files a report first.

Although Iowa doesn’t require any UM/UIM coverage, liability insurance is mandatory by law. The minimum amounts of coverage are detailed below:

Coverage Requirements Most Common
Bodily Injury Liability 20,000/40,000 100,000/300,000
Property Damage Liability Not required 100,000/300,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

Choosing the Right Amount of Iowa Car Insurance Coverage

Are you driving an older car, and desperate for a new one? Not so fast, if you want to keep your insurance costs low. Driving an old clunker might not look that impressive on the outside, but the fact that you don’t have to carry as much insurance coverage on it will help you save in the long run.

Basic vs. Comprehensive Auto Insurance Legend: Basic Coverage Comprehensive Coverage Cedar Rapids Davenport Des Moines Iowa City Sioux City State Average 10 20 30 40 50 60 70 80 90 100 $27 $101 $27 $92 $28 $99 $22 $92 $27 $101 $26 $97


Iowa DUI Laws

If you are convicted of your first DUI offense, you may face the following penalties: a minimum of two days to a full year in prison; a fine between $625 and $1,250; your license may be suspended for 6 months (definite suspension of BAL is above 0.15), or merely restricted if your BAL is below 0.10; an ignition interlock device will be required if your BAL is above 0.10; you may also be evaluated for alcoholism and be required to seek treatment; attendance in a substance abuse reality program; drinking drivers course attendance; and community service.

Not every driver is required to file an SR-22. These are for special cases when motorists are convicted of serious driving violations. These include causing an accident while driving without insurance, being convicted of a DUI, or operating a motor vehicle without proof of insurance. Presently, you will be required to file an SR-22 to get your license reinstated in Iowa.

DUI Car Insurance Costs in Iowa Legend: Clean Record DUI Violation Cedar Rapids Davenport Des Moines Iowa City Sioux City State Average 10 20 30 40 50 $27 $35 $27 $41 $28 $41 $22 $41 $27 $47 $26 $54


Age Limit Laws

Eager teenagers in Iowa can get their Learner Stage permit as early as 14 years of age. However, they must maintain it for at least 12 months, and earn 20 hours of supervised driving (with at least 2 hours at night) before applying for an Intermediate Stage permit. After they receive their intermediate permit, They are not permitted to drive between the hours of 12:30-5:00 AM, nor can they have more than one underage non-family passenger for the first six months (after which their parents or guardians may waive the restriction). After three years of driving practice and keeping their permits in good standing, young drivers can receive a full license at the age of 17. Hopefully, all that extra experience will help lower their insurance costs.

Auto Insurance by Age Legend: Average Rates for Teenage Drivers Cedar Rapids Davenport Des Moines Iowa City Sioux City State Average 10 20 30 40 50 60 70 80 90 100 110 $95 $113 $114 $87 $111 $104


Credit Score Laws and Regulations

In Iowa, and in almost every other state in the US, your insurance company can demand that you provide your credit score or other information before they give you an official policy quote. This is because credit scores will have a drastic effect on your monthly payment. For example, those lucky drivers with excellent credit will usually pay half as much as someone with a low credit score.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Cedar Rapids Davenport Des Moines Iowa City Sioux City State Average 10 20 30 40 $21 $33 $24 $39 $25 $40 $19 $39 $25 $40 $23 $38


Insuring your Vehicle in Iowa

Have you ever wondered why your insurance company asks so many questions about your vehicle when crafting your policy? Well, legally speaking, the policy is for your car – not necessarily you as a driver. This means that if any accident happens with your vehicle – whether you are currently driving it at the time or not – will involve claims passing through your insurance company’s office.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxter Spyder Cedar Rapids Davenport Des Moines Iowa City Sioux City State Average 15 30 45 60 75 90 105 120 $27 $114 $27 $123 $28 $132 $22 $123 $27 $134 $26 $125


Additional Iowa Auto Insurance Laws and Requirements

Of course, it isn’t just about knowing which laws influence you and your vehicle directly. Obeying common traffic laws is essential not just for keeping everyone on the road safe, but for keeping your insurance costs down:

Highway Safety Laws

There aren’t any aggressive driving laws in the state of Iowa at the moment. But don’t make the mistake of thinking that such actions, such as excessive speeding or following another driver too closely, are legal. All it means is that you don’t receive extra legal penalties and/or fines when your aggressive driving ends up causing an accident.

Aggressive Driving No state law
Cell Phones and Texting Laws Novice drivers with a restricted or intermediate license
Inc. Penalty for High BAC BAC 0.15
Admin. License Susp. on 1st Offense 180 days

Speed Limits and Cell Phone Use

There is an all-driver ban on texting while driving. Unfortunately, however, it is only a secondary level offense, which means that you also have to be breaking at least one other traffic law before law enforcement can pull you over and ticket you. As far as talking on a cell phone goes, there is only a ban for drivers with a restricted for intermediate license. And this is a primary level offense, so law enforcement can and will pull you over for breaking it.

Rural Interstate 70 mph
Urban Interstate 55 mph
Other Limited-Access 70 mph

Important Iowa Contacts

Iowa Department of Revenue – Motor Vehicle Division – click here for information on obtaining your driver’s license, requirements for ID cards, and vehicle registration.

Official State Iowa Website

Iowa Department of Insurance

How to contact directly:

Iowa auto insurance Div.
330 Maple St.
Des Moines, IA 50319-0065
Phone: 1-515-281-5705
Toll Free: 1-877-955-1212

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