Iowa car insurance is mandatory for all vehicles registered in Iowa and since the State operates under the Tort law its extremely important to carry car insurance coverage.
Without car insurance coverage in Iowa you could be subject to heavy fines, vehicle registration suspension and even criminal charges should your drive with extreme negligence while not having car insurance.
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Iowa Car Insurance Companies
Many car insurance companies are licensed to write private passenger auto insurance policies in Iowa and residents enjoy some of the lowest car insurance premiums in the nation.
“ On average, Iowa residents pay $1,040 a year in car insurance – over 30% lower than the national average of $1,430 ”
Iowa has a very competitive car insurance market with many of the larger car insurance companies competing for market share along with some of the well known Mid-Western brands and many smaller local providers. Overall, Iowa residents will have no problem finding a car insurance company to choose from.
Iowa Car Insurance Requirements
Iowa State has mandatory minimum car insurance requirements for all vehicles so its always wise to check the Iowa Department of Motor Vehicles about current requirements. Most all car insurance companies will never sell you a policy that does not meet at least the state minimum requirements however before buying a car always double check your policy will be in compliance with State law. As of the time of this article Iowa State requires drivers to have at least:
- $20,000 liability coverage for bodily injury to one person
- $40,000 liability coverage for bodily injury to two or more persons (per accident)
- $15,000 in property damage insurance coverage
You will be subject to Tort law when driving in Iowa so these minimum car insurance requirements are very low considering the potential liability a car accident can expose you to. Most drivers opt for expanded policy limits usually exceeding over $100,000 in coverage which can be added for a small increase to a car insurance policy. Always speak to car insurance companies about additional coverage options.
Iowa Car Insurance Quotes
Need a list of Iowa car insurance companies or ready to start an Iowa car insurance quote comparison search online? Simply enter your ZIP code above to connect with Iowa car insurance companies and get FREE quotes today.
