Cheap Car Insurance in Iowa
Whether you live in the center of the state in Des Moines or have a farm in a small town, affordable auto insurance coverage is a must for every Iowa resident. So, take a few minutes to learn about cheap car insurance in Iowa. Find out which coverages are mandatory, which ones are optional, and how an EagleWay Auto Insurance policy could be your cheap Iowa car insurance solution. Get a free quote to see how much money you can save.
Iowa Car Insurance Laws
Do you have to have car insurance in Iowa?
Iowa law requires all drivers to have an auto insurance policy that at least meets the minimum liability coverage limits, typically expressed as three numbers representing thousands of dollars. For example, the liability limits in Iowa are 20/40/15, as shown below under Iowa Minimum Car Insurance Requirements.
Iowa Minimum Car Insurance Requirements
Wondering what your insurance policy needs to fulfill Iowa’s insurance requirements? Here’s a quick breakdown by coverage type.
| Coverages | Is It Required by Law? |
|---|---|
| Bodily Injury Liability Coverage provides financial protection if you cause an accident that injures another person. It helps pay for their medical expenses and your legal services (if necessary). | Yes. $20,000 bodily injury per person / $40,000 bodily injury per accident. |
| Property Damage Liability Coverage helps pay to repair or replace other people’s property that is damaged in an accident you cause. | Yes. $15,000 property damage per accident. |
| Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for your medical bills and related expenses if the other driver has no coverage, insufficient coverage, or cannot be identified. | Not required. |
| Medical Payments Coverage (Med Pay) helps pay for your medical and related expenses stemming from an accident, regardless of fault. | Not required. |
| Collision Coverage helps pay to repair or replace your vehicle if you collide with another car or object. | Not required.¹ |
| Comprehensive Coverage helps pay to repair or replace your vehicle if it’s damaged by something other than a collision. | Not required.¹ |
IMPORTANT NOTE: While purchasing liability coverage ensures you fulfill legal requirements,
it provides no protection for your own injuries or damage to your own vehicle. You would need to add additional
coverage, like UM/UIM, comprehensive, and collision, to protect yourself and your vehicle more fully.
¹Your lender may require these coverages if you lease or finance your vehicle.
Are there additional coverage options?
For added peace of mind, Iowa drivers may add services such as:
- Roadside Assistance*
- Emergency Protection Plan (EPP)*
- Towing & Labor Coverage
- Rental Reimbursement Coverage
Iowa Proof of Financial Responsibility and Penalties
What if I don't meet Iowa’s minimum car insurance requirements?
Iowa takes a strict stance on uninsured drivers. Penalties can include fines and the loss of driving privileges. It’s important to maintain continuous coverage and always carry proof of insurance.
Penalties for Driving with a Suspended License in Iowa
Driving without a valid license can lead to an increased suspension period and significant fines. Make sure your license is fully reinstated before driving again.
SR-22 Insurance in Iowa
Some drivers may be required to file an SR-22 if:
- They have committed serious driving violations.
- They failed to maintain proper liability coverage.
- They were convicted of a DUI/DWI.
If you have questions about SR-22 filings, EagleWay Auto Insurance is here to help. Our agents specialize in finding affordable coverage for every driver.
High-Risk Auto Insurance in Iowa
Many drivers don’t have a flawless record. After certain violations, some insurers may consider you high-risk. But at EagleWay Auto Insurance, we believe your past shouldn’t define your future. We work hard to find quality, affordable coverage for every driver.
Where can I find the cheapest car insurance rates in Iowa?
Car insurance costs vary depending on several factors, including:
- The amount and type of coverage you choose
- The year, make, and model of your vehicle
- How often and where you drive
- Your demographics
- Your driving record
- Your credit history