Iowa Car Insurance

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Common questions about Iowa auto insurance

Need car insurance in Iowa? Whether you live by the Cedar Rapids or Des Moines, Liberty Mutual can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we customize your Iowa auto insurance, so you only pay for what you need.

What car insurance is required in Iowa?

In most cases the easiest way to do this, is by having car insurance from a company like Liberty Mutual.

What's the financial responsibility system in Iowa?

Here are the minimum auto insurance limits drivers must have in Iowa.1

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Amount

For more information, check out the Iowa Driver's Manual.

What liability insurance is required in Iowa?

Iowa law requires you to have liability car insurance. This coverage protects others if you cause bodily harm or property damage to them. It's important to know this coverage doesn't cover you, your car, or your personal belongings.

You may see this written as 20/40/15.

Remember, this is only the minimum Liability Coverage required by law. You may want to think about increasing your limits for more financial protection. You should also consider other types of coverage that can give you even more protection.

Is Iowa a no-fault insurance state?

No, Iowa is not a no-fault insurance state. This means a driver that causes an accident is also responsible for paying for the damage.

These coverages can help cover you if you're in an accident with an underinsured or uninsured driver. While these are optional coverages, it's recommended to have them. In Iowa, drivers must opt out of these coverages in writing when buying a car insurance policy.

What's the average cost of car insurance in Iowa?

The average cost of car insurance in Iowa is $1,2182 in 2021 according to thezebra.com. That's 20% lower than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual could save you money on Iowa auto insurance with a customized policy so you only pay for what you need.

Get a free quote to see how much you could save by choosing Liberty Mutual.

What Iowa car insurance coverage is right for you?

All Iowa drivers must have the state minimum auto coverages. But, based on your budget and needs, you may want to consider higher limits for more protection. We'll help you customize your Iowa car insurance to get the coverage that fits you. See all of our auto coverage options.

What's the best car insurance in Iowa?

Liberty Mutual knows that everyone has different needs for their Iowa auto insurance. Some may want the cheapest Iowa car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your Iowa car insurance, so you only pay for what you need.

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Who has the cheapest car insurance in Iowa?

Getting the cheapest car insurance in Iowa may sound great, but it could cost you when you need it most. Beyond cost, you should make sure the company you pick is reliable in case you're in an accident.

A Liberty Mutual auto insurance policy can cost less than you think.3

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