Iowa Auto Insurance [Rates + Cheap Coverage Guide]

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IOWA STATISTICS SUMMARY 
Annual Road MilesTotal in State: 114,442
Vehicle Miles Driven: 33,161 million
VehiclesRegistered in State: 3,447,049
Total Stolen: 4,342
State Population3,156,145
Most Popular VehicleChevrolet Silverado 1500
Uninsured Motorists8.70%
State Rank: 38th
Total Driving Fatalities2008-2017
Speeding: 612
Drunk Driving: 917
Average PremiumsLiability: $299.18
Collision: $219.75
Comprehensive: $171.58
Cheapest ProvidersUSAA and State Farm Mutual Auto

The “Hawkeye” state, known more commonly as the state of Iowa, is a gorgeous state with many wide-open fields and breathtaking cities. In order to view such a wonderful place, you’ll obviously want to have all of your car insurance needs to be taken care of.

Why waste hours of your free time digging through countless car insurance websites when you can do it all in one convenient place?

In this comprehensive guide, we will cover all of the insurance topics you’ll need to know for you to purchase the best policy for your needs in Iowa.

We’ll go over everything from the specific coverage you’ll need, to the laws and rules of the road in Iowa, and more.

Ready to get started now? Use our FREE online tool. You only need is your zip code to get started.

Table of Contents

Iowa Car Insurance Coverage and Rates

Let’s get right to it. In this first section, we’re going to talk about some of the basic car insurance coverage you’re going to want to make sure that you have. We’ll also touch on some of the typical car insurance rates you’ll see.

– Iowa Minimum Coverage

Each state has something known as minimum liability coverage. It’s the minimum amount of insurance coverage you are allowed to have in that state in order to legally drive your vehicle.

Iowa is one of a few states that does not necessarily require that you have this minimum liability coverage, but it does, however, a Motor Vehicle Financial and Safety Responsibility Act.

This Act states that if you are ever involved in a car accident, you must be able to show financial responsibility for any resulting injuries. Meaning that while having insurance coverage can be optional, you will need at least some form of coverage in order to meet this minimum requirement.

According to the Insurance Information Institute (III), Iowa has minimum liability coverage of 20/40/15. What exactly does this mean? We’ve broken it down for you here:

  • 20 = $20,000 for the payment of the injury/death of one individual in an accident that you caused
  • 40 = $40,000 for the payment of the injury/death of multiple individuals in an accident that you caused
  • 15 = $15,000 for the payment of any property damage incurred in an accident that you caused

This becomes particularly important due to the fact that Iowa is considered an “at-fault” state.

This means that if you are the one who caused an accident, YOU are the one who is held financially liable for that accident.

If you should decide not to purchase at least the minimum liability coverage, there are other options to make sure you are covered in the case of an accident.

According to the Iowa Department of Transportation, you may comply with the Motor Vehicle Financial and Safety Responsibility Act in the following ways:

  • posting a bond with Driver & Identification Services
  • getting a legal release of liability from the other parties involved in the accident
  • being found completely not liable in a civil suit
  • filing an agreement to pay the other parties’ damages on an installment plan
  • executing a warrant for confession of judgment promising to pay the other parties’ damages on an installment plan
  • filing evidence of complete settlement of all damages.

It is recommended, however, to just ensure you have the minimum liability coverage to optimize your coverage needs.

– Forms of Financial Responsibility

There are several different types of forms of financial responsibility in Iowa.

As it is not necessarily required to have at least the minimum liability coverage (although highly recommended), there are other ways in which you might be required to provide some proof of financial responsibility.

Should you purchase car insurance, you will need to make sure you have at least one of the following with you while you are operating your vehicle:

  • Valid liability insurance ID cards
  • Copy of your current car’s insurance policy
  • Valid insurance binder (a temporary form of car insurance)

If you decided not to purchase car insurance and you get into an accident, according to Iowa’s DMV, you may provide any of the following:

  • Provide proof that you had liability insurance at the time of the accident
  • Pay one of the following to “Driver & Identification Services” in Iowa:
    • Cash
    • Certified check
    • Cashier’s check
    • Bank draft
    • Postal money order
  • Obtain a release form from all the people involved in the accident
  • Promise to cover (on an installment plan if needed) the costs of the injured or damaged parties in a filed statement
  • Receive a civil damage action decision that releases you from any liability
  • Complete a warrant for confession of judgment with agreed upon payment schedule
  • Provide evidence of a settlement reached between parties

If you do not provide at least one of the above and you do not have car insurance, your license will be suspended until you can provide any of the above!

– Premiums as a Percentage of Income

Have you ever heard of the term per capita disposable income? Let’s break it down.

Per capita disposable income refers to the amount of money a group of individuals have after taxes has been paid.

In Iowa, the average per capita disposable income is $39,820. This means that after taxes, this is how much the typical Iowa citizen has to spend. 

Full Coverage
2014
Disposable
Income 2014
Insurance as %
of Income 2014
Full Coverage
2013
Disposable
Income 2013
Insurance as %
of Income 2013
Full Coverage
2012
Disposable
Income 2012
Insurance as %
of Income 2012
$683.67$39,820.001.72%$668.09$38,676.001.73%$656.84$38,326.001.71%

You can see from the table above that of this disposable income you have left after taxes, about 1.72 percent will go to your insurance payments.

If you want to calculate what your average premium would be based on your own income, use the calculator below.

CalculatorPro

– Core Coverage

According to the National Association of Insurance Commissioners, you can expect the following core coverage costs in Iowa:

Coverage TypeAnnual Costs (2015)
Liability$299.18
Collision$219.75
Comprehensive$219.75
Combined$672.01

– Additional Liability

As we stated previously, Iowa doesn’t necessarily require for you to have insurance coverage, but there is highly recommended. In addition to the minimum liability coverage, there are two other liability coverage types that you will want to consider; Medical Payments (MedPay) and Uninsured/Underinsured Motorist.

Medical Payments (MedPay) Coverage is essentially the coverage that helps you out in the case of an accident. It will cover your own medical expenses should you be injured in a car accident.

Uninsured/Underinsured Motorist Coverage helps to cover you if you are ever in an accident with someone who does not have insurance coverage.

As we mentioned previously, Iowa is an at-fault state, so if the other driver doesn’t even have insurance coverage, that could mean the damages from that accident could affect your wallet.

This becomes especially important as according to the Insurance Information Institute (III), Iowa has an uninsured motorist rate of 8.7 percent.

Due to this, we will now discuss the loss ratios for these additional liability coverages. What is a loss ratio exactly?

A loss ratio is the comparison between how much an insurance provider pays out in claims as compared to the amount of money the company takes in from insurance premiums.

So when you’re thinking about loss ratios, you want to think back to the story of Goldilocks. You want a loss ratio that isn’t too high, isn’t too low, but is just right.

Why is this? Well, if a loss ratio is too low, that means that the provider isn’t paying enough in claims to their customers.

If a loss ratio is too high, over 100 percent, it means that the company is paying too much in insurance claims and is actually at risk for going bankrupt. Hence why you want this loss ratio to be right in the middle.

Loss Ratio201320142015
Medical Payments (Med Pay) 67%68%79%
Uninsured/Underinsured Motorist49%68%71%

As you can see in the table above, both MedPay and Uninsured/Underinsured Motorist have relatively decent loss ratios in Iowa.

– Add-ons, Endorsements, and Riders

Getting the best coverage for the most affordable price is always a top priority when shopping for insurance. Did you know that you could be missing out on several extremely useful, and cheap, coverage types because of it?

Check out the list below to see what is available to you in Iowa:

– Demographic Rates

There’s a commonly heard myth in the insurance business that men tend to pay more for the insurance coverage than women do. We wanted to find out if this was true in Iowa, and found the following data:

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 25-year old femaleSingle 25-year old maleSingle 17-year old femaleSingle 17-year old male
Allstate F&C$1,958.15$1,879.95$1,740.38$1,771.40$2,131.19$2,192.58$5,666.77$6,380.74
American Family Mutual$1,947.49$1,947.49$1,742.43$1,742.43$1,947.49$2,345.27$5,205.52$7,296.86
Farmers Insurance Co$1,505.56$1,534.33$1,348.08$1,472.79$2,038.46$2,181.07$4,551.35$4,851.93
Geico Cas$1,871.32$1,677.39$1,676.90$1,535.68$1,767.80$1,635.28$4,252.86$3,954.88
Safeco Insurance Co America$2,110.02$2,290.23$1,856.34$2,255.89$2,390.92$2,636.91$10,248.60$11,534.94
Nationwide Agribusiness Insurance$1,773.80$1,821.30$1,580.35$1,687.66$2,007.84$2,184.45$4,078.71$5,280.35
Progressive Northern$1,685.12$1,622.63$1,389.61$1,441.50$2,027.39$2,192.49$4,131.25$4,663.86
State Farm Mutual Auto$1,445.98$1,445.98$1,270.07$1,270.07$1,625.39$1,851.50$3,914.70$4,964.07
Travelers Home & Marine Ins Co$2,442.49$2,492.53$2,373.90$2,380.26$2,541.28$3,002.33$10,858.60$17,313.68
USAA$1,239.37$1,253.71$1,136.98$1,159.77$1,487.70$1,643.44$3,345.14$3,552.75

So as you can see in the table above, it’s actually age and marital status that plays a bigger factor into insurance rates in Iowa. The older married couples seem to pay less for their insurance rates than single males do.

– Highest/Lowest by Zip Code

ZipcodeAverage
51501$3,633.75
51503$3,575.94
51510$3,421.91
50314$3,379.73
50309$3,367.30
51534$3,356.47
51103$3,355.94
50307$3,350.71
51105$3,350.44
51104$3,342.31
51101$3,333.89
50308$3,327.01
51108$3,296.59
52801$3,285.41
50319$3,262.33
51109$3,260.62
51526$3,259.16
51561$3,249.84
51106$3,242.81
51654$3,239.93
50316$3,230.43
51571$3,228.18
51533$3,223.48
50864$3,216.99
51532$3,212.72
51542$3,209.76
50310$3,207.24
52802$3,206.70
50833$3,204.32
52804$3,203.58
50311$3,202.93
51652$3,202.45
51541$3,201.16
50320$3,198.63
51649$3,197.04
51648$3,193.43
51573$3,192.82
50315$3,188.28
51631$3,185.36
51111$3,184.13
50843$3,180.65
51636$3,180.34
51566$3,178.98
50848$3,177.95
51639$3,177.71
50321$3,176.34
50845$3,176.06
51637$3,175.26
50312$3,171.48
51554$3,170.76
51535$3,168.22
50317$3,167.68
50857$3,167.43
51630$3,166.15
50853$3,161.66
50841$3,161.60
51647$3,161.39
51575$3,161.21
51638$3,160.92
50854$3,160.90
51551$3,160.85
51640$3,158.99
51632$3,149.94
51646$3,148.89
51540$3,147.69
51555$3,146.17
51525$3,145.81
51576$3,145.04
51650$3,144.18
50846$3,143.56
51536$3,143.19
52807$3,143.07
50074$3,142.48
50395$3,141.68
51549$3,139.43
51548$3,137.95
50144$3,137.92
51656$3,136.45
51601$3,134.91
51553$3,134.36
50065$3,131.25
50839$3,130.48
50133$3,129.34
52803$3,129.34
52001$3,128.32
50211$3,128.18
51653$3,127.14
51645$3,126.40
50237$3,125.89
50862$3,125.88
51544$3,125.38
51559$3,120.60
50860$3,120.54
50108$3,118.23
51651$3,118.12
50149$3,116.31
50067$3,115.95
50140$3,112.85
51552$3,111.11
50840$3,108.57
51556$3,108.20
50174$3,103.88
50022$3,103.63
50858$3,102.66
50835$3,101.52
50837$3,100.70
50020$3,100.46
52806$3,100.13
51570$3,099.94
51062$3,098.26
50836$3,096.03
50863$3,095.98
51563$3,094.94
50851$3,092.12
50166$3,091.10
52722$3,090.75
51529$3,089.07
50274$3,088.94
50047$3,088.68
50048$3,087.99
50257$3,087.69
50229$3,086.19
50859$3,084.17
50164$3,082.64
51521$3,081.19
50210$3,080.78
50262$3,079.63
51564$3,079.34
50313$3,078.58
50241$3,072.01
51562$3,071.76
51577$3,071.16
50099$3,070.24
51019$3,067.07
50849$3,064.91
50155$3,063.89
52003$3,063.50
51557$3,063.50
51545$3,062.64
50240$3,062.40
50145$3,062.16
51546$3,060.38
50139$3,060.01
51004$3,059.31
50002$3,058.59
50169$3,058.04
50275$3,057.28
51579$3,057.06
50264$3,055.99
51056$3,054.16
50060$3,052.48
51560$3,052.09
50115$3,052.04
50831$3,051.63
51044$3,049.45
50061$3,048.56
52583$3,046.64
51016$3,046.49
50165$3,045.38
51550$3,044.57
50830$3,044.54
50327$3,044.43
50254$3,044.11
50147$3,043.06
50160$3,042.91
51051$3,041.75
50008$3,041.40
51530$3,041.33
50151$3,040.51
50118$3,040.20
50035$3,040.10
51565$3,040.00
52631$3,039.38
50591$3,038.87
50213$3,036.49
50524$3,036.31
50243$3,035.72
50117$3,035.32
52638$3,033.61
52570$3,033.53
50861$3,033.38
52002$3,032.45
51034$3,031.49
52590$3,030.95
50842$3,029.50
50272$3,029.49
52140$3,029.25
50052$3,028.19
50801$3,027.08
50001$3,026.98
52650$3,026.18
50273$3,025.93
52623$3,024.21
50218$3,023.35
51048$3,022.70
50070$3,022.63
51015$3,022.05
52551$3,021.41
52160$3,020.83
50125$3,020.66
51558$3,020.26
52646$3,019.83
52647$3,019.72
51523$3,019.68
52323$3,019.38
52537$3,018.29
50123$3,018.17
50226$3,017.87
51460$3,016.98
51531$3,016.73
50025$3,016.65
50702$3,015.79
52660$3,015.55
50042$3,014.49
52584$3,014.10
51060$3,013.57
52738$3,013.36
50261$3,013.33
50103$3,013.33
51018$3,012.56
52627$3,011.89
50076$3,011.71
51528$3,011.38
50110$3,011.09
50068$3,011.06
50238$3,008.84
52658$3,008.69
51537$3,006.84
52737$3,006.54
50049$3,006.45
52626$3,006.42
52588$3,006.16
51543$3,006.08
51010$3,005.95
52560$3,005.87
51572$3,005.70
52049$3,005.08
52565$3,004.55
52052$3,002.35
52048$3,002.27
52573$3,001.92
50518$3,001.69
52549$3,001.17
52645$3,000.70
50029$3,000.30
50222$3,000.20
50548$3,000.19
52619$3,000.04
52639$2,999.82
50521$2,999.32
51055$2,998.42
50072$2,997.97
51431$2,997.74
51026$2,997.29
51439$2,996.98
52745$2,996.56
52563$2,996.56
50216$2,995.82
51461$2,994.49
52555$2,994.30
51520$2,994.19
52640$2,993.43
51527$2,992.35
52165$2,991.96
51432$2,991.84
52568$2,991.70
51040$2,991.59
50529$2,991.41
52567$2,991.30
50250$2,990.85
51441$2,990.73
52305$2,990.63
52767$2,990.00
52542$2,988.83
52533$2,988.74
52580$2,987.83
51455$2,987.77
50026$2,987.43
50523$2,987.09
51006$2,986.35
52637$2,986.33
50007$2,986.28
51447$2,986.17
52042$2,986.12
51448$2,986.05
50520$2,985.80
52540$2,985.40
50033$2,985.31
52593$2,985.26
52544$2,984.52
52756$2,984.51
52050$2,984.28
52309$2,983.95
51458$2,983.67
52571$2,983.53
50582$2,983.47
50578$2,983.40
50531$2,983.00
52620$2,982.75
52223$2,981.79
51063$2,981.78
51446$2,981.22
50038$2,981.15
52205$2,980.87
52044$2,980.84
52531$2,980.63
52746$2,980.62
52315$2,980.31
50150$2,980.29
52168$2,979.83
51445$2,979.60
52653$2,978.80
52257$2,977.02
52625$2,976.76
52572$2,976.66
52215$2,976.64
51061$2,976.61
50570$2,976.57
52648$2,976.41
52765$2,976.39
52310$2,975.49
52649$2,975.47
50594$2,975.33
52754$2,975.28
51466$2,974.98
52249$2,974.69
50538$2,974.68
52237$2,974.35
52654$2,974.26
50573$2,974.25
52535$2,973.61
51465$2,973.56
51232$2,973.24
52201$2,973.09
51365$2,973.08
52635$2,972.59
52079$2,972.39
52203$2,972.25
51442$2,972.18
50277$2,971.75
52149$2,971.57
52171$2,971.52
50563$2,971.36
52035$2,971.15
50552$2,971.00
51049$2,970.85
51007$2,970.69
50575$2,970.58
50109$2,970.28
52057$2,970.26
52144$2,970.19
52574$2,970.02
52656$2,969.39
52632$2,969.33
52720$2,969.31
52033$2,968.96
51454$2,968.83
52594$2,968.82
52036$2,968.57
51030$2,968.47
52749$2,968.46
52557$2,968.46
50069$2,968.37
52133$2,967.98
52773$2,967.40
52569$2,967.00
52630$2,966.87
50536$2,966.73
50557$2,966.50
52161$2,966.46
52657$2,966.46
50562$2,966.17
50541$2,965.63
52330$2,965.56
50073$2,965.44
51025$2,965.37
52212$2,964.85
51037$2,964.66
52313$2,964.41
52073$2,964.34
50249$2,964.06
52216$2,964.01
50667$2,963.86
52556$2,963.84
52321$2,963.00
50515$2,962.94
51350$2,962.83
50146$2,962.37
51462$2,961.86
52076$2,961.84
52346$2,961.83
52621$2,961.50
50527$2,961.18
52359$2,961.17
50593$2,961.07
52154$2,960.34
52251$2,960.29
51029$2,960.17
52101$2,959.90
52739$2,959.77
52132$2,959.72
50217$2,959.70
52748$2,959.67
52550$2,959.64
51450$2,959.15
52651$2,958.94
50519$2,958.73
50104$2,958.51
52769$2,958.25
50107$2,958.24
51020$2,957.96
50558$2,957.89
51244$2,957.56
52038$2,957.26
50501$2,957.19
51001$2,957.13
52753$2,957.10
52053$2,956.98
52347$2,956.96
50651$2,956.79
52652$2,956.78
52552$2,956.63
52312$2,956.60
51345$2,956.59
51039$2,956.49
52071$2,956.34
52581$2,956.25
51054$2,955.85
52332$2,955.69
50581$2,955.68
52209$2,955.48
50650$2,955.33
50268$2,955.11
52337$2,955.00
52166$2,954.92
52208$2,954.82
50003$2,954.51
50603$2,954.47
50064$2,954.43
50128$2,954.35
50255$2,954.31
50539$2,954.17
50228$2,954.11
51008$2,954.10
50569$2,953.96
51342$2,953.96
51014$2,953.88
50516$2,953.86
52758$2,953.80
52774$2,953.72
52032$2,953.63
52163$2,953.12
50653$2,952.82
52207$2,952.81
51354$2,952.72
51334$2,952.65
50661$2,952.63
50654$2,952.61
52355$2,951.96
50674$2,951.95
52585$2,951.86
50528$2,951.78
50136$2,951.60
52041$2,951.46
50323$2,951.19
52768$2,951.17
50659$2,951.12
50571$2,950.36
50681$2,950.18
51358$2,950.04
50645$2,949.85
51249$2,949.77
50666$2,949.72
51237$2,949.61
50167$2,949.58
52644$2,949.52
50235$2,949.51
50622$2,948.97
50703$2,948.84
51022$2,948.78
50032$2,948.37
51028$2,948.29
52231$2,948.12
50129$2,948.10
50566$2,948.03
50545$2,947.87
51240$2,947.83
52255$2,947.30
50514$2,947.25
50606$2,947.22
50535$2,947.04
51201$2,946.99
52759$2,946.63
50676$2,946.59
50059$2,946.52
51247$2,946.24
52075$2,945.92
50602$2,945.25
52576$2,945.22
51453$2,945.19
51246$2,944.29
52766$2,944.24
52353$2,943.79
50630$2,943.66
50668$2,943.18
51366$2,942.89
51024$2,942.53
51012$2,942.51
50263$2,942.09
52776$2,942.02
50009$2,942.00
52354$2,941.91
52747$2,941.49
50567$2,941.42
50598$2,941.34
50156$2,941.25
52056$2,941.04
51005$2,941.03
52318$2,940.96
52760$2,940.70
52031$2,940.63
51052$2,940.41
52778$2,940.06
50577$2,939.81
52335$2,939.73
50586$2,939.60
51243$2,939.31
52320$2,939.00
50701$2,938.95
52248$2,938.55
51433$2,938.48
52136$2,938.48
51053$2,938.15
51035$2,938.06
51248$2,937.26
52659$2,937.16
51058$2,937.15
50040$2,937.13
51347$2,937.03
50597$2,936.79
50658$2,936.71
50066$2,936.29
51047$2,936.25
50636$2,935.94
52252$2,935.83
51231$2,935.56
50649$2,935.51
52037$2,935.50
51234$2,935.44
52316$2,935.44
50532$2,935.26
50664$2,934.93
50543$2,934.63
52641$2,934.01
51331$2,933.85
52306$2,933.39
52134$2,932.97
50576$2,932.39
51360$2,932.35
52591$2,932.27
50559$2,931.78
52254$2,931.77
51033$2,930.85
50579$2,930.81
50522$2,930.62
52777$2,930.31
52045$2,930.26
50642$2,929.86
52731$2,929.81
52325$2,929.70
51355$2,929.65
51046$2,928.93
52362$2,928.19
52068$2,928.11
52228$2,928.02
51235$2,927.97
50647$2,927.73
50063$2,927.58
52054$2,927.08
52351$2,927.02
50540$2,926.90
52206$2,926.81
50152$2,926.75
52601$2,926.46
50585$2,926.33
52750$2,926.31
51363$2,925.71
52070$2,925.51
50530$2,925.18
52761$2,924.80
51230$2,924.56
50325$2,924.45
50590$2,924.21
52356$2,924.14
50466$2,924.13
52562$2,924.12
50246$2,923.95
52164$2,923.94
52155$2,923.85
50322$2,923.70
52554$2,923.35
50655$2,923.24
50225$2,923.08
51245$2,922.77
50657$2,922.68
50062$2,922.36
52146$2,922.36
50662$2,922.36
51346$2,921.82
50546$2,921.52
51238$2,921.23
51241$2,921.20
52030$2,920.87
50324$2,920.56
50511$2,920.32
51011$2,920.26
52751$2,920.19
50561$2,920.17
52074$2,920.09
51038$2,920.00
50556$2,919.82
50223$2,919.57
50599$2,919.37
51351$2,919.35
50157$2,919.35
50643$2,919.17
50612$2,919.04
50680$2,918.89
50669$2,918.60
51357$2,918.29
52232$2,917.78
50607$2,917.70
50517$2,917.69
51364$2,917.57
50544$2,917.01
52046$2,916.96
52065$2,916.95
50234$2,916.80
50583$2,916.79
51343$2,916.61
50471$2,916.60
52225$2,916.47
50141$2,916.27
51003$2,916.24
51449$2,915.48
50551$2,915.22
50619$2,914.89
50460$2,914.59
51045$2,914.56
52141$2,914.22
50574$2,913.80
51239$2,912.86
51009$2,912.69
50212$2,912.53
50565$2,912.25
52701$2,912.05
51036$2,912.04
52151$2,912.02
51002$2,911.97
52566$2,911.90
50480$2,911.59
52078$2,911.04
52348$2,910.99
52170$2,910.97
51250$2,910.95
50266$2,910.73
50592$2,910.72
51041$2,910.32
50039$2,910.17
50044$2,909.91
50106$2,909.87
52236$2,909.73
50670$2,909.13
52066$2,908.47
52561$2,907.99
52162$2,907.62
52352$2,907.60
50112$2,907.26
50671$2,907.16
50568$2,906.83
50628$2,906.77
50455$2,906.31
51338$2,906.22
52655$2,906.10
52039$2,905.91
52043$2,905.71
51340$2,905.68
52229$2,905.44
50638$2,905.31
52040$2,905.22
50451$2,905.18
50162$2,905.18
50626$2,904.83
52069$2,904.34
50153$2,903.03
52730$2,903.02
52072$2,902.98
50058$2,902.75
52158$2,902.69
51023$2,901.96
52543$2,901.75
52327$2,901.73
50232$2,900.63
50116$2,900.60
50454$2,900.50
50554$2,900.48
51027$2,900.16
52553$2,900.10
52536$2,900.07
50621$2,899.47
50220$2,899.15
52210$2,899.08
50265$2,898.87
50252$2,898.74
52742$2,897.81
50244$2,897.80
50588$2,897.43
52339$2,897.41
50510$2,897.35
52217$2,897.23
51467$2,896.95
50170$2,896.77
50028$2,896.72
52727$2,896.64
50641$2,896.57
52326$2,896.53
52159$2,895.79
51333$2,895.57
52077$2,895.37
50120$2,895.36
52329$2,895.35
50481$2,895.21
50027$2,894.00
52064$2,893.76
50560$2,893.61
52732$2,893.60
50542$2,893.51
50432$2,893.42
52757$2,893.40
52729$2,893.35
52530$2,893.23
50435$2,892.99
52157$2,892.97
50138$2,892.46
50426$2,892.07
50137$2,891.70
50423$2,891.51
51050$2,891.23
50483$2,890.90
52156$2,890.82
52172$2,890.54
50682$2,890.38
50127$2,890.15
52169$2,889.23
52349$2,888.75
50207$2,888.60
52548$2,888.53
52220$2,887.60
52135$2,887.34
52047$2,887.33
50075$2,886.57
50476$2,886.20
50005$2,886.15
50609$2,885.39
51031$2,884.62
52726$2,884.43
50430$2,883.27
50675$2,883.13
52334$2,881.96
50233$2,881.80
52586$2,881.59
52308$2,880.96
52227$2,880.89
50665$2,880.36
50484$2,880.01
50468$2,879.95
50648$2,879.46
52301$2,879.45
52344$2,878.68
52771$2,878.44
50465$2,877.94
50148$2,877.68
50440$2,877.18
50438$2,877.07
50276$2,876.99
50634$2,876.97
50475$2,875.81
50168$2,875.70
50472$2,875.18
52202$2,874.92
52314$2,874.39
51444$2,873.97
52307$2,873.63
52501$2,873.53
50251$2,873.33
52224$2,872.85
50604$2,872.75
50173$2,872.30
51459$2,871.93
52361$2,871.89
50171$2,871.59
50057$2,871.36
50533$2,871.17
50605$2,870.83
52222$2,870.20
50036$2,869.54
50629$2,868.95
52211$2,868.84
51440$2,868.83
52060$2,868.32
52247$2,868.11
51436$2,867.37
51463$2,867.33
50051$2,867.21
50467$2,865.63
50660$2,865.18
50677$2,865.14
51451$2,865.14
50625$2,864.78
50433$2,863.86
52175$2,863.80
50055$2,863.49
52253$2,863.00
51301$2,862.56
50707$2,862.12
52341$2,861.65
50434$2,861.16
50632$2,861.00
50050$2,860.80
50470$2,860.58
50427$2,860.37
52342$2,860.21
50054$2,860.12
51430$2,859.02
50611$2,858.16
50439$2,857.80
52213$2,856.56
50101$2,856.56
50446$2,856.13
52221$2,855.44
51443$2,854.91
50644$2,854.69
52338$2,854.46
50124$2,854.11
50449$2,854.03
50473$2,853.67
50421$2,852.52
52147$2,852.37
52333$2,851.63
52336$2,849.76
50135$2,849.68
52534$2,849.24
50239$2,847.97
50458$2,847.84
52142$2,846.88
50479$2,846.30
50623$2,845.22
50242$2,845.21
52577$2,844.77
50161$2,844.46
52235$2,844.28
50477$2,843.73
52328$2,843.43
50635$2,841.76
50482$2,841.02
52595$2,839.45
50633$2,837.64
50448$2,837.49
52358$2,835.28
51452$2,835.14
50673$2,834.37
50071$2,832.33
52405$2,831.36
50105$2,830.10
50119$2,829.03
50461$2,828.82
50231$2,828.75
50453$2,828.05
50469$2,827.44
50256$2,827.19
50608$2,827.00
50134$2,825.56
50132$2,824.29
50457$2,823.74
50624$2,823.06
50154$2,822.78
50214$2,821.62
50046$2,821.19
50620$2,819.00
52403$2,818.74
50614$2,818.62
50450$2,818.44
50525$2,818.11
50478$2,817.25
50613$2,816.90
50436$2,816.90
52402$2,816.10
50616$2,815.47
50444$2,814.54
50452$2,814.24
52214$2,814.04
52322$2,813.84
52755$2,812.93
50143$2,812.79
50456$2,812.78
52219$2,812.71
50424$2,812.02
50056$2,811.20
50021$2,810.64
50023$2,809.53
50247$2,809.22
50259$2,809.14
51401$2,808.91
52218$2,808.67
50420$2,806.81
50271$2,805.77
50601$2,805.24
52772$2,804.12
50441$2,803.53
50201$2,803.12
50447$2,803.09
50258$2,802.18
50431$2,801.85
50034$2,800.19
50459$2,797.53
50672$2,795.75
50595$2,795.50
50206$2,795.25
50102$2,793.49
50269$2,792.50
50208$2,790.29
50464$2,790.14
50111$2,790.08
52345$2,790.02
50131$2,788.69
50130$2,787.93
52401$2,787.66
50627$2,787.19
52721$2,786.21
50278$2,785.76
50401$2,782.99
50219$2,778.49
50227$2,775.99
50428$2,774.04
50230$2,772.23
52340$2,772.01
52302$2,771.54
50126$2,769.51
52404$2,768.58
52324$2,766.77
50006$2,764.17
52233$2,762.69
50122$2,762.30
50248$2,759.69
52411$2,735.38
52317$2,734.77
50142$2,734.13
50236$2,725.56
50078$2,721.11
52240$2,719.12
52245$2,699.88
52246$2,697.81
50158$2,686.15
50013$2,676.23
50011$2,663.37
50010$2,661.70
50014$2,651.87
50012$2,643.57
52243$2,613.15
52242$2,605.98
52241$2,598.27

– Highest/Lowest by City

CityAverage Grand Total
CORALVILLE$2,598.27
AMES$2,659.35
IOWA CITY$2,667.19
MARSHALLTOWN$2,686.15
FERGUSON$2,721.11
ROLAND$2,725.56
LE GRAND$2,734.13
NORTH LIBERTY$2,734.77
STORY CITY$2,759.69
HUBBARD$2,762.30
HIAWATHA$2,762.69
ALDEN$2,764.18
PALO$2,766.77
IOWA FALLS$2,769.51
MARION$2,771.54
TIFFIN$2,772.01
RADCLIFFE$2,772.23
CLEAR LAKE$2,774.04
POPEJOY$2,775.99
PELLA$2,778.49
MASON CITY$2,782.99
ZEARING$2,785.76
BENNETT$2,786.21
ELDORA$2,787.19
JEWELL$2,787.93
JOHNSTON$2,788.69
URBANA$2,790.02
GRIMES$2,790.08
PLYMOUTH$2,790.14
NEWTON$2,790.29
WHITTEN$2,792.50
CEDAR RAPIDS$2,792.97
GARDEN CITY$2,793.49
NEW PROVIDENCE$2,795.25
WEBSTER CITY$2,795.50
STEAMBOAT ROCK$2,795.75
NORTHWOOD$2,797.53
BLAIRSBURG$2,800.19
COULTER$2,801.86
UNION$2,802.18
KANAWHA$2,803.09
NEVADA$2,803.12
HAMPTON$2,803.53
TIPTON$2,804.12
ACKLEY$2,805.25
WILLIAMS$2,805.77
ALEXANDER$2,806.81
COGGON$2,808.67
CARROLL$2,808.91
GIFFORD$2,809.15
STATE CENTER$2,809.23
ANKENY$2,810.09
COLO$2,811.20
BUFFALO CENTER$2,812.01
PRAIRIEBURG$2,812.71
MANLY$2,812.78
LEIGHTON$2,812.79
LONE TREE$2,812.93
OXFORD$2,813.84
CENTRAL CITY$2,814.04
LATIMER$2,814.24
HANLONTOWN$2,814.54
CHARLES CITY$2,815.47
FOREST CITY$2,816.90
THOMPSON$2,817.25
CEDAR FALLS$2,817.77
CLARION$2,818.11
LAKE MILLS$2,818.44
COLWELL$2,819.00
CAMBRIDGE$2,821.19
OTLEY$2,821.62
MC CALLSBURG$2,822.78
DIKE$2,823.06
MESERVEY$2,823.74
KAMRAR$2,824.29
KELLEY$2,825.56
AUSTINVILLE$2,826.99
TRACY$2,827.19
ROCKWELL$2,827.44
LELAND$2,828.04
RANDALL$2,828.75
OSAGE$2,828.82
HARVEY$2,829.04
GILBERT$2,830.10
DOWS$2,832.33
STOUT$2,834.37
LIDDERDALE$2,835.14
WEST BRANCH$2,835.28
KENSETT$2,837.49
GENEVA$2,837.64
UNIVERSITY PARK$2,839.45
VENTURA$2,841.02
GLADBROOK$2,841.76
ROBINS$2,843.44
SWALEDALE$2,843.72
HILLS$2,844.28
MAXWELL$2,844.46
OSKALOOSA$2,844.77
DEWAR$2,845.22
SEARSBORO$2,845.22
THORNTON$2,846.30
FAYETTE$2,846.88
NORA SPRINGS$2,847.84
SAINT ANTHONY$2,847.97
BEACON$2,849.24
KELLOGG$2,849.68
SPRINGVILLE$2,849.76
SOLON$2,851.63
HAWKEYE$2,852.37
BELMOND$2,852.52
SCARVILLE$2,853.67
KLEMME$2,854.03
HUXLEY$2,854.11
SWISHER$2,854.46
INDEPENDENCE$2,854.69
GLIDDEN$2,854.91
GUERNSEY$2,855.44
JOICE$2,856.13
CENTER POINT$2,856.56
GALT$2,856.56
GOODELL$2,857.80
BRISTOW$2,858.16
ARCADIA$2,859.02
COLFAX$2,860.12
TOLEDO$2,860.21
CHAPIN$2,860.37
ROWAN$2,860.58
CHURDAN$2,860.80
GARWIN$2,861.00
FERTILE$2,861.16
TODDVILLE$2,861.65
EVANSDALE$2,862.12
SPENCER$2,862.56
LISBON$2,863.00
COLLINS$2,863.49
WEST UNION$2,863.80
DOUGHERTY$2,863.86
DUMONT$2,864.78
LANESBORO$2,865.14
WAVERLY$2,865.14
NEW HARTFORD$2,865.18
ROCK FALLS$2,865.63
CLEMONS$2,867.21
TEMPLETON$2,867.33
BREDA$2,867.37
KALONA$2,868.11
MAQUOKETA$2,868.32
DEDHAM$2,868.83
BROOKLYN$2,868.84
FAIRBANK$2,868.95
DEEP RIVER$2,870.20
AREDALE$2,870.83
EAGLE GROVE$2,871.17
COLUMBIA$2,871.36
MONTEZUMA$2,871.59
WILLIAMSBURG$2,871.89
RALSTON$2,871.93
MONTOUR$2,872.30
APLINGTON$2,872.75
DYSART$2,872.85
SULLY$2,873.33
OTTUMWA$2,873.53
MIDDLE AMANA$2,873.63
HALBUR$2,873.97
MOUNT VERNON$2,874.39
ALBURNETT$2,874.92
SAINT ANSGAR$2,875.18
MINGO$2,875.70
SHEFFIELD$2,875.81
GILBERTVILLE$2,876.97
WOODWARD$2,876.99
GARNER$2,877.07
GRAFTON$2,877.18
LISCOMB$2,877.68
RAKE$2,877.94
TEEDS GROVE$2,878.44
TROY MILLS$2,878.68
MARENGO$2,879.45
JESUP$2,879.46
ROCKFORD$2,879.95
WODEN$2,880.01
PARKERSBURG$2,880.36
ELY$2,880.89
MILLERSBURG$2,880.96
ROSE HILL$2,881.59
REDFIELD$2,881.80
SOUTH AMANA$2,881.96
TRAER$2,883.13
CORWITH$2,883.27
BLUE GRASS$2,884.43
LE MARS$2,884.62
BEAMAN$2,885.39
ALBION$2,886.15
STACYVILLE$2,886.19
ELLSWORTH$2,886.57
FARMERSBURG$2,887.33
CLERMONT$2,887.34
CONROY$2,887.60
CHILLICOTHE$2,888.53
NEW SHARON$2,888.60
VINTON$2,888.75
WADENA$2,889.23
IRA$2,890.15
WINTHROP$2,890.38
WAUKON$2,890.54
LUANA$2,890.82
WESLEY$2,890.90
REMSEN$2,891.23
BRITT$2,891.51
KILLDUFF$2,891.70
CARPENTER$2,892.07
KNOXVILLE$2,892.46
MC GREGOR$2,892.97
FLOYD$2,892.99
AGENCY$2,893.23
CALAMUS$2,893.35
LOW MOOR$2,893.40
CRYSTAL LAKE$2,893.42
GOLDFIELD$2,893.51
CLINTON$2,893.60
LU VERNE$2,893.61
MILES$2,893.76
BARNES CITY$2,894.00
TOETERVILLE$2,895.21
ROWLEY$2,895.35
HAVERHILL$2,895.36
VOLGA$2,895.37
DICKENS$2,895.57
MONONA$2,895.79
QUASQUETON$2,896.53
HAZLETON$2,896.57
BRYANT$2,896.64
BAXTER$2,896.72
MONROE$2,896.77
WESTSIDE$2,896.95
CLUTIER$2,897.23
ALBERT CITY$2,897.35
TAMA$2,897.41
STORM LAKE$2,897.43
SLATER$2,897.79
DE WITT$2,897.81
SWAN$2,898.74
BRANDON$2,899.08
PERRY$2,899.15
CONRAD$2,899.47
BLAKESBURG$2,900.07
EDDYVILLE$2,900.10
IRETON$2,900.16
LAURENS$2,900.48
LITTLE CEDAR$2,900.50
HAMILTON$2,900.60
REASNOR$2,900.63
RIVERSIDE$2,901.73
CEDAR$2,901.76
HAWARDEN$2,901.96
MARQUETTE$2,902.69
COON RAPIDS$2,902.75
SAINT OLAF$2,902.98
CAMANCHE$2,903.02
LYNNVILLE$2,903.03
PRESTON$2,904.34
WEST DES MOINES$2,904.80
DUNKERTON$2,904.83
MELBOURNE$2,905.18
LAKOTA$2,905.19
DYERSVILLE$2,905.22
GRUNDY CENTER$2,905.31
GARRISON$2,905.44
FOSTORIA$2,905.68
ELKADER$2,905.71
DURANGO$2,905.91
WEST BURLINGTON$2,906.10
EVERLY$2,906.22
MC INTIRE$2,906.31
ELMA$2,906.77
NEWELL$2,906.83
STANLEY$2,907.16
GRINNELL$2,907.26
WALKER$2,907.60
POSTVILLE$2,907.62
FREMONT$2,907.99
NORTH BUENA VISTA$2,908.47
SHELL ROCK$2,909.13
HOMESTEAD$2,909.73
GILMAN$2,909.87
BUSSEY$2,909.91
BOUTON$2,910.17
ORANGE CITY$2,910.32
TRUESDALE$2,910.72
SIOUX CENTER$2,910.95
WATERVILLE$2,910.97
VINING$2,910.99
WORTHINGTON$2,911.04
TITONKA$2,911.59
KIRKVILLE$2,911.90
ALTA$2,911.97
LANSING$2,912.02
MAURICE$2,912.04
ANDOVER$2,912.05
MARATHON$2,912.25
OGDEN$2,912.53
CALUMET$2,912.70
HULL$2,912.87
POCAHONTAS$2,913.80
ELGIN$2,914.22
OYENS$2,914.56
ORCHARD$2,914.59
CLARKSVILLE$2,914.89
JOLLEY$2,915.22
LAKE CITY$2,915.48
ALTON$2,916.24
LAUREL$2,916.27
ELBERON$2,916.47
RUDD$2,916.60
GREENVILLE$2,916.61
SAC CITY$2,916.79
RHODES$2,916.80
NEW VIENNA$2,916.95
FARLEY$2,916.96
HARCOURT$2,917.01
TERRIL$2,917.57
AURORA$2,917.70
BANCROFT$2,917.70
HARTWICK$2,917.78
ROYAL$2,918.29
REINBECK$2,918.60
WELLSBURG$2,918.89
BUCKINGHAM$2,919.04
HUDSON$2,919.17
MALCOM$2,919.35
MILFORD$2,919.35
WOOLSTOCK$2,919.37
PILOT MOUND$2,919.57
LEDYARD$2,919.82
MERRILL$2,920.00
SPRAGUEVILLE$2,920.09
LYTTON$2,920.17
GRAND MOUND$2,920.19
CHATSWORTH$2,920.27
ALGONA$2,920.32
WINDSOR HEIGHTS$2,920.56
ANDREW$2,920.87
LARCHWOOD$2,921.20
HOSPERS$2,921.23
HAVELOCK$2,921.53
HARTLEY$2,921.82
DALLAS$2,922.36
HARPERS FERRY$2,922.36
OELWEIN$2,922.36
MORRISON$2,922.68
PRIMGHAR$2,922.77
PLEASANTVILLE$2,923.08
MAYNARD$2,923.24
ELDON$2,923.35
LIME SPRINGS$2,923.85
RANDALIA$2,923.94
STANHOPE$2,923.95
HAYESVILLE$2,924.11
RICEVILLE$2,924.13
WELLMAN$2,924.14
SWEA CITY$2,924.21
CLIVE$2,924.45
ALVORD$2,924.56
MUSCATINE$2,924.80
DAYTON$2,925.18
SABULA$2,925.51
SUPERIOR$2,925.71
GOOSE LAKE$2,926.31
SIOUX RAPIDS$2,926.33
BURLINGTON$2,926.46
LUTHER$2,926.75
ATKINS$2,926.81
FONDA$2,926.90
WALFORD$2,927.02
LA MOTTE$2,927.08
DALLAS CENTER$2,927.58
JANESVILLE$2,927.73
DOON$2,927.97
FAIRFAX$2,928.02
PEOSTA$2,928.11
WYOMING$2,928.19
PAULLINA$2,928.93
OKOBOJI$2,929.65
PARNELL$2,929.70
CHARLOTTE$2,929.81
HOLLAND$2,929.86
EPWORTH$2,930.26
WHEATLAND$2,930.31
BURT$2,930.62
ROCKWELL CITY$2,930.81
LINN GROVE$2,930.85
LOST NATION$2,931.77
LONE ROCK$2,931.78
SIGOURNEY$2,932.27
SPIRIT LAKE$2,932.35
REMBRANDT$2,932.39
CHESTER$2,932.97
MECHANICSVILLE$2,933.39
ARNOLDS PARK$2,933.85
MOUNT PLEASANT$2,934.01
GOWRIE$2,934.63
ORAN$2,934.93
DUNCOMBE$2,935.27
BOYDEN$2,935.44
NORTH ENGLISH$2,935.44
DELMAR$2,935.50
KESLEY$2,935.51
ARCHER$2,935.56
LANGWORTHY$2,935.83
GREENE$2,935.94
PETERSON$2,936.25
DAWSON$2,936.29
NASHUA$2,936.71
WEST BEND$2,936.79
LAKE PARK$2,937.03
BOXHOLM$2,937.13
SUTHERLAND$2,937.15
WINFIELD$2,937.16
SANBORN$2,937.26
URBANDALE$2,937.45
MARCUS$2,938.06
SCHALLER$2,938.15
AUBURN$2,938.48
CRESCO$2,938.48
KEOTA$2,938.55
OLIN$2,939.00
LITTLE ROCK$2,939.31
SOMERS$2,939.60
SOUTH ENGLISH$2,939.73
RENWICK$2,939.81
WILTON$2,940.06
SALIX$2,940.41
BELLEVUE$2,940.63
MOSCOW$2,940.70
NORWAY$2,940.96
AURELIA$2,941.03
LUXEMBURG$2,941.04
MADRID$2,941.25
WHITTEMORE$2,941.34
NEMAHA$2,941.42
DURANT$2,941.49
WATKINS$2,941.91
ALTOONA$2,942.00
WEST LIBERTY$2,942.02
WAUKEE$2,942.09
CHEROKEE$2,942.50
HINTON$2,942.53
WEBB$2,942.89
READLYN$2,943.18
FREDERICKSBURG$2,943.66
WASHINGTON$2,943.79
NICHOLS$2,944.24
ROCK RAPIDS$2,944.28
LOHRVILLE$2,945.19
OLLIE$2,945.22
ALLISON$2,945.25
SPRINGBROOK$2,945.92
ROCK VALLEY$2,946.23
COOPER$2,946.52
TRIPOLI$2,946.59
MONTPELIER$2,946.63
SHELDON$2,946.99
EARLY$2,947.04
ARLINGTON$2,947.22
ARMSTRONG$2,947.25
LOWDEN$2,947.30
INWOOD$2,947.83
HARDY$2,947.87
MOORLAND$2,948.03
JEFFERSON$2,948.10
HARPER$2,948.12
KINGSLEY$2,948.29
BERWICK$2,948.37
GRANVILLE$2,948.78
DENVER$2,948.97
RIPPEY$2,949.51
MOUNT UNION$2,949.52
MINBURN$2,949.58
GEORGE$2,949.61
PLAINFIELD$2,949.72
SIBLEY$2,949.77
IONIA$2,949.85
RUTHVEN$2,950.04
WESTGATE$2,950.18
PALMER$2,950.36
NEW HAMPTON$2,951.12
PRINCETON$2,951.17
EARLVILLE$2,951.46
KESWICK$2,951.60
CYLINDER$2,951.78
RICHLAND$2,951.86
SUMNER$2,951.95
WEBSTER$2,951.96
MASONVILLE$2,952.61
NORTH WASHINGTON$2,952.63
ESTHERVILLE$2,952.65
OCHEYEDAN$2,952.72
BALDWIN$2,952.81
MARBLE ROCK$2,952.82
PROTIVIN$2,953.12
BERNARD$2,953.63
WELTON$2,953.72
MC CAUSLAND$2,953.80
BADGER$2,953.86
CLEGHORN$2,953.88
GRAETTINGER$2,953.96
OTHO$2,953.96
BRUNSVILLE$2,954.10
PRAIRIE CITY$2,954.11
FENTON$2,954.17
THORNBURG$2,954.31
JAMAICA$2,954.35
DANA$2,954.43
ALTA VISTA$2,954.47
ADEL$2,954.51
BELLE PLAINE$2,954.82
SAINT LUCAS$2,954.92
STANWOOD$2,955.00
WHAT CHEER$2,955.11
LAMONT$2,955.33
BLAIRSTOWN$2,955.48
ROLFE$2,955.68
SHELLSBURG$2,955.70
SERGEANT BLUFF$2,955.85
PLANO$2,956.25
SAINT DONATUS$2,956.34
MOVILLE$2,956.49
HARRIS$2,956.59
MORLEY$2,956.60
DRAKESVILLE$2,956.63
SWEDESBURG$2,956.77
LA PORTE CITY$2,956.79
VICTOR$2,956.97
HOLY CROSS$2,956.98
LE CLAIRE$2,957.10
AKRON$2,957.13
FORT DODGE$2,957.19
DUNDEE$2,957.26
MATLOCK$2,957.56
LIVERMORE$2,957.89
GALVA$2,957.96
GRAND JUNCTION$2,958.24
STOCKTON$2,958.25
GIBSON$2,958.51
BODE$2,958.73
STOCKPORT$2,958.94
LAKE VIEW$2,959.14
DELTA$2,959.64
ELDRIDGE$2,959.68
PATON$2,959.70
CALMAR$2,959.72
CONESVILLE$2,959.77
DECORAH$2,959.90
LARRABEE$2,960.17
LADORA$2,960.29
LAWLER$2,960.34
VARINA$2,961.07
WEST CHESTER$2,961.17
CURLEW$2,961.18
CRAWFORDSVILLE$2,961.50
VAN HORNE$2,961.83
STRAWBERRY POINT$2,961.84
SCRANTON$2,961.86
LINDEN$2,962.38
MELVIN$2,962.83
AYRSHIRE$2,962.94
ONSLOW$2,963.00
RAYMOND$2,963.86
CLARENCE$2,964.01
STRATFORD$2,964.06
SHERRILL$2,964.34
MOUNT AUBURN$2,964.41
MERIDEN$2,964.66
CENTER JUNCTION$2,964.85
HOLSTEIN$2,965.37
ELKHART$2,965.44
RYAN$2,965.56
GILMORE CITY$2,965.63
FAIRFIELD$2,966.15
MALLARD$2,966.17
OSSIAN$2,966.46
SAINT PAUL$2,966.46
LEHIGH$2,966.50
EMMETSBURG$2,966.73
HILLSBORO$2,966.87
MELROSE$2,967.00
WALCOTT$2,967.39
WATERLOO$2,967.86
CASTALIA$2,967.97
DE SOTO$2,968.37
FRUITLAND$2,968.46
LAWTON$2,968.47
DELAWARE$2,968.57
UNIONVILLE$2,968.82
MANILLA$2,968.83
CASCADE$2,968.96
ATALISSA$2,969.31
KEOKUK$2,969.33
WEST POINT$2,969.39
BOONE$2,969.89
MYSTIC$2,970.02
FORT ATKINSON$2,970.19
MANCHESTER$2,970.26
GRANGER$2,970.28
POMEROY$2,970.59
BRONSON$2,970.69
QUIMBY$2,970.85
KNIERIM$2,971.00
COLESBURG$2,971.15
MANSON$2,971.36
WAUCOMA$2,971.52
HIGHLANDVILLE$2,971.56
YALE$2,971.75
DENISON$2,972.18
AMANA$2,972.25
ZWINGLE$2,972.39
LOCKRIDGE$2,972.59
WALLINGFORD$2,973.08
AINSWORTH$2,973.09
ASHTON$2,973.24
VAIL$2,973.56
BIRMINGHAM$2,973.61
PLOVER$2,974.25
WAYLAND$2,974.26
HOPKINTON$2,974.35
FARNHAMVILLE$2,974.68
KEYSTONE$2,974.69
WALL LAKE$2,974.98
LETTS$2,975.28
VINCENT$2,975.33
SALEM$2,975.47
MONTICELLO$2,975.49
NEW LIBERTY$2,976.40
PILOT GROVE$2,976.41
OTTOSEN$2,976.58
WASHTA$2,976.61
CHELSEA$2,976.64
MOULTON$2,976.66
DONNELLSON$2,976.76
LUZERNE$2,977.02
WAPELLO$2,978.80
IDA GROVE$2,979.60
SPILLVILLE$2,979.83
LOVILIA$2,980.29
NEWHALL$2,980.30
DONAHUE$2,980.62
ALBIA$2,980.63
ELKPORT$2,980.84
ANAMOSA$2,980.87
BOONEVILLE$2,981.15
IRWIN$2,981.22
WHITING$2,981.78
DELHI$2,981.79
BONAPARTE$2,982.75
DOLLIVER$2,983.00
RINGSTED$2,983.40
RUTLAND$2,983.47
MORAVIA$2,983.53
ODEBOLT$2,983.67
MONMOUTH$2,983.95
GREELEY$2,984.28
LONG GROVE$2,984.51
CENTERVILLE$2,984.52
UDELL$2,985.26
BEVINGTON$2,985.31
BRIGHTON$2,985.40
BRADGATE$2,985.80
KIRON$2,986.05
EDGEWOOD$2,986.12
KIRKMAN$2,986.17
ALLEMAN$2,986.28
MEDIAPOLIS$2,986.33
BATTLE CREEK$2,986.35
CALLENDER$2,987.10
BAGLEY$2,987.43
MANNING$2,987.77
PACKWOOD$2,987.83
BATAVIA$2,988.74
CANTRIL$2,988.83
PLEASANT VALLEY$2,990.00
MARTELLE$2,990.63
DELOIT$2,990.73
STUART$2,990.85
LIBERTYVILLE$2,991.30
DAKOTA CITY$2,991.41
ONAWA$2,991.58
MARTINSBURG$2,991.70
ASPINWALL$2,991.84
RIDGEWAY$2,991.96
DEFIANCE$2,992.35
MORNING SUN$2,993.44
ARION$2,994.19
EXLINE$2,994.30
SCHLESWIG$2,994.49
PANORA$2,995.82
DIXON$2,996.56
HEDRICK$2,996.56
CHARTER OAK$2,996.98
HORNICK$2,997.29
ARTHUR$2,997.74
EARLHAM$2,997.97
SLOAN$2,998.42
BURNSIDE$2,999.32
MONTROSE$2,999.82
ARGYLE$3,000.04
HUMBOLDT$3,000.19
PERU$3,000.20
BAYARD$3,000.30
NEW LONDON$3,000.69
CINCINNATI$3,001.17
BARNUM$3,001.69
MOUNT STERLING$3,001.92
GARBER$3,002.27
GUTTENBERG$3,002.35
KEOSAUQUA$3,004.55
GARNAVILLO$3,005.08
SOLDIER$3,005.70
FLORIS$3,005.87
CASTANA$3,005.95
KIMBALLTON$3,006.08
SELMA$3,006.16
FARMINGTON$3,006.42
CHARITON$3,006.45
COLUMBUS CITY$3,006.54
HARLAN$3,006.83
WEVER$3,008.69
RUSSELL$3,008.84
DERBY$3,011.07
GRAY$3,011.09
DOW CITY$3,011.38
EXIRA$3,011.70
FORT MADISON$3,011.89
CUSHING$3,012.55
GARDEN GROVE$3,013.33
VAN METER$3,013.33
COLUMBUS JUNCTION$3,013.36
UTE$3,013.57
PULASKI$3,014.10
BRAYTON$3,014.49
YARMOUTH$3,015.55
AUDUBON$3,016.65
ELK HORN$3,016.73
RICKETTS$3,016.98
POLK CITY$3,017.87
HUMESTON$3,018.17
BLOOMFIELD$3,018.29
OXFORD JUNCTION$3,019.38
BLENCOE$3,019.67
OLDS$3,019.72
OAKVILLE$3,019.83
MOORHEAD$3,020.26
INDIANOLA$3,020.66
NEW ALBIN$3,020.83
DOUDS$3,021.41
CLIMBING HILL$3,022.05
DEXTER$3,022.64
PIERSON$3,022.70
PATTERSON$3,023.35
DANVILLE$3,024.21
WINTERSET$3,025.93
SPERRY$3,026.18
ACKWORTH$3,026.98
CRESTON$3,027.08
CLIO$3,028.19
DORCHESTER$3,029.25
WILLIAMSON$3,029.49
CROMWELL$3,029.50
SEYMOUR$3,030.95
MAPLETON$3,031.49
SHANNON CITY$3,033.38
MILTON$3,033.53
MIDDLETOWN$3,033.61
HAMLIN$3,035.32
SHELDAHL$3,035.72
CLARE$3,036.32
OSCEOLA$3,036.49
THOR$3,038.87
HOUGHTON$3,039.38
PORTSMOUTH$3,040.00
BONDURANT$3,040.11
HARTFORD$3,040.20
LUCAS$3,040.51
EARLING$3,041.33
ALLERTON$3,041.40
RODNEY$3,041.75
MARTENSDALE$3,042.91
LINEVILLE$3,043.06
THAYER$3,044.11
AFTON$3,044.54
MAGNOLIA$3,044.57
MILLERTON$3,045.38
CORRECTIONVILLE$3,046.49
PROMISE CITY$3,046.64
CUMMING$3,048.56
OTO$3,049.45
ARISPE$3,051.63
GUTHRIE CENTER$3,052.04
OAKLAND$3,052.09
CORYDON$3,052.48
SMITHLAND$3,054.16
WELDON$3,055.99
WOODBINE$3,057.06
WOODBURN$3,057.28
MITCHELLVILLE$3,058.04
ADAIR$3,058.59
ANTHON$3,059.31
LACONA$3,060.01
LOGAN$3,060.38
LIBERTY CENTER$3,062.16
SAINT CHARLES$3,062.40
LITTLE SIOUX$3,062.64
MONDAMIN$3,063.49
MACKSBURG$3,063.90
GREENFIELD$3,064.91
DANBURY$3,067.07
WALNUT$3,071.16
PANAMA$3,071.76
SAINT MARYS$3,072.01
DUBUQUE$3,074.76
PISGAH$3,079.34
VAN WERT$3,079.63
NEW VIRGINIA$3,080.78
AVOCA$3,081.19
MENLO$3,082.64
PRESCOTT$3,084.17
PROLE$3,086.19
TRURO$3,087.69
CASEY$3,087.99
CARLISLE$3,088.68
WIOTA$3,088.94
DUNLAP$3,089.07
BETTENDORF$3,090.75
MILO$3,091.10
LENOX$3,092.12
PERSIA$3,094.94
TINGLEY$3,095.98
BLOCKTON$3,096.03
WESTFIELD$3,098.26
SHELBY$3,099.94
ANITA$3,100.46
BRIDGEWATER$3,100.70
BENTON$3,101.52
ORIENT$3,102.67
ATLANTIC$3,103.63
MURRAY$3,103.88
MODALE$3,108.20
CLEARFIELD$3,108.57
MARNE$3,111.11
LAMONI$3,112.85
DECATUR$3,115.95
LORIMOR$3,116.31
SHAMBAUGH$3,118.13
GRAND RIVER$3,118.23
REDDING$3,120.55
NEOLA$3,120.60
LEWIS$3,125.38
SHARPSBURG$3,125.88
RUNNELLS$3,125.89
IMOGENE$3,126.40
TABOR$3,127.14
NORWALK$3,128.18
KELLERTON$3,129.35
CARBON$3,130.48
DAVIS CITY$3,131.26
MINDEN$3,134.36
SHENANDOAH$3,134.91
YORKTOWN$3,136.45
LEON$3,137.92
MC CLELLAND$3,137.95
MACEDONIA$3,139.43
ELLSTON$3,142.48
HANCOCK$3,143.19
FONTANELLE$3,143.56
RIVERTON$3,144.18
UNDERWOOD$3,145.04
CARSON$3,145.81
MISSOURI VALLEY$3,146.17
HASTINGS$3,147.69
NEW MARKET$3,148.89
CLARINDA$3,149.94
HAMBURG$3,158.99
MALVERN$3,160.85
MOUNT AYR$3,160.90
ESSEX$3,160.92
TREYNOR$3,161.21
NORTHBORO$3,161.39
CORNING$3,161.60
MASSENA$3,161.66
BLANCHARD$3,166.15
NODAWAY$3,167.43
GRISWOLD$3,168.22
MINEOLA$3,170.76
COLLEGE SPRINGS$3,175.26
DIAGONAL$3,176.06
FARRAGUT$3,177.71
GRAVITY$3,177.95
DAVENPORT$3,178.04
RED OAK$3,178.98
COIN$3,180.34
CUMBERLAND$3,180.65
BRADDYVILLE$3,185.36
STANTON$3,192.82
PERCIVAL$3,193.43
RANDOLPH$3,197.04
HENDERSON$3,201.16
SIDNEY$3,202.45
BEDFORD$3,204.32
HONEY CREEK$3,209.76
ELLIOTT$3,212.72
VILLISCA$3,216.99
DES MOINES$3,218.42
EMERSON$3,223.48
SILVER CITY$3,228.19
THURMAN$3,239.93
PACIFIC JUNCTION$3,249.84
CRESCENT$3,259.16
SIOUX CITY$3,295.84
GLENWOOD$3,356.47
CARTER LAKE$3,421.91
COUNCIL BLUFFS$3,604.85

Iowa Car Insurance Companies

Next, we’ll discuss all of the major car insurance companies that you’ll find in Iowa.

We’ll go over such items as the various types of ratings for insurance companies as well as the various rates you’ll find yourself seeing in Iowa.

– The Largest Companies Financial Rating

While it’s common knowledge that insurance companies check to see what your financial health is like before offering you an insurance policy, but did you know you could check their financial health as well?

It’s known as the A.M. Best Rating. It essentially assigns providers with a grade based on numerous financial factors, such as their loss ratios. The higher their grade, the better their financial ratings. The lower the grade, the lower, and less reliable, that provider is.

We’ve gone through the data and have found the A.M. Best Ratings for all of the largest insurance providers in Iowa:

Company NameAM RatingsDirect Premiums WrittenLoss RatioMarket Share
State Farm GroupA++$389,03263.96%22.14%
Progressive GroupA+$285,10763.34%16.23%
Nationwide Corp GroupA+$180,62151.49%10.28%
Iowa Farm Bureau GroupNR$119,30867.98%6.79%
American Family Insurance GroupA$111,22769.86%6.33%
Grinnell Mutual GroupA$78,94571.86%4.49%
GeicoA++$64,04478.07%3.65%
IMT Mutual Holding GroupNR$57,49870.27%3.27%
Allstate Insurance GroupA+$56,70260.70%3.23%
West Bend Mutual Insurance CoA$38,49858.38%2.19%

– Companies with Best Ratings

A study performed by J.D. Power was conducted to see the overall customer satisfaction rankings for the various car insurance provider in specific regions was. Iowa lands in the Central region of the United States.

Iowa JD Power

– Companies with Most Complaints in Iowa

Just like you would want to know how satisfied other customers are with a company, you’ll also want to know how dissatisfied other customers are as well.

According to the National Association of Insurance Commissioners (NAIC), the following complaint indexes were found in Iowa:

CompanyComplaint Ratio 2017Total Complaints 2017
State Farm Group0.441482
Progressive Group0.75120
Nationwide Corp Group0.2825
Iowa Farm Bureau Group2.663
American Family Insurance Group0.00
Grinnell Mutual Group0.00
Geico.0076
IMT Mutual Holding Group2.421
Allstate Insurance Group0.98163
West Bend Mutual Insurance Co00

– Iowa Car Insurance Rates by Company

We’ve done the hard part for you here and have found the different car insurance rates in Iowa.

CompanyAverage CostAmount Compared to State AveragePercentage Compared to State Average
State Farm Mutual Auto$2,223.47-$734.72-33.04%
Geico Cas$2,296.51-$661.68-28.81%
Progressive Northern$2,394.23-$563.96-23.56%
Farmers Insurance Co$2,435.45-$522.75-21.46%
Nationwide Agribusiness Insurance$2,551.81-$406.39-15.93%
Allstate F&C$2,965.14$6.950.23%
American Family Mutual$3,021.87$63.672.11%
Safeco Insurance Co America$4,415.48$1,457.2933.00%

– Commute Rates by Company

One factor that can play a surprising role in your insurance rate is what you commute is like. The longer your commute, the more you tend to pay.

Company10 miles commute. 6,000 annual mileage.25 miles commute. 12,000 annual mileage.
Travelers$5,425.63$5,425.63
Liberty Mutual$4,415.48$4,415.48
American Family$2,986.61$3,057.13
Allstate$2,894.65$3,035.64
Nationwide$2,551.81$2,551.81
Farmers$2,435.45$2,435.45
Progressive$2,394.23$2,394.23
Geico$2,251.26$2,341.77
State Farm$2,169.94$2,277.01
USAA$1,784.77$1,919.94

The good thing for Iowa citizens, however, is it looks like most of the providers in Iowa don’t charge more for longer commutes!

– Coverage Level Rates by Company

Did you know that you could be paying more for a plan that actually covers you less? That’s right.

By comparing different companies coverage levels, you could actually be paying more.

CompanyHighMediumLow
Allstate$3,072.83$2,968.91$2,853.70
American Family$2,840.53$3,189.92$3,035.16
Farmers$2,530.66$2,443.15$2,332.54
Geico$2,411.84$2,297.14$2,180.55
Liberty Mutual$4,601.36$4,407.47$4,237.62
Nationwide$2,455.20$2,539.43$2,660.79
Progressive$2,521.62$2,402.19$2,258.89
State Farm$2,318.68$2,236.04$2,115.69
Travelers$5,666.01$5,507.84$5,103.05
USAA$1,941.61$1,858.31$1,757.16

As you can see from the table above, a low coverage plan with Traveler’s would cost you $5,103.05, while a high coverage plan with Liberty Mutual would only cost $4,601.36.

That means you’d be paying $501.69 more for lower coverage.

So making sure to compare insurance rates is essential when trying to get the optimal plan for you.

– Credit History Rates by Company

Yes, insurance companies take a look at your credit history when considering what insurance rate they are going to offer you. The better your credit history, the better the rate you are offered will be.

CompanyGoodFairPoor
Allstate$2,533.59$2,817.56$3,544.28
American Family$2,380.74$2,831.65$3,853.23
Farmers$2,195.20$2,317.58$2,793.56
Geico$1,833.13$2,296.52$2,759.89
Liberty Mutual$3,061.08$3,889.40$6,295.97
Nationwide$2,127.45$2,427.31$3,100.67
Progressive$2,069.08$2,284.84$2,828.78
State Farm$1,544.99$1,958.88$3,166.55
Travelers$4,964.86$5,210.35$6,101.70
USAA$1,449.06$1,673.05$2,434.97

– Driving Record Rates by Company

Just like with your credit history, having a good driving record will save you a lot of cash. The more accidents and traffic violations you have, the more you’ll be paying for your coverage.

So making sure you drive safely while on the road can cut down on your rates.

CompanyWith 1 speeding violationWith 1 accidentWith 1 DUI
Allstate$2,818.27$3,051.76$3,470.40
American Family$2,564.80$3,194.70$4,146.29
Farmers$2,479.99$2,574.18$2,612.59
Geico$1,865.34$2,430.59$3,150.98
Liberty Mutual$4,318.32$4,718.68$4,811.37
Nationwide$2,088.61$2,653.56$3,619.74
Progressive$2,088.27$2,409.88$3,153.79
State Farm$2,223.47$2,223.47$2,388.67
Travelers$5,272.67$5,414.68$7,060.59
USAA$1,624.60$1,899.66$2,470.24

– Largest Car Insurance Companies in Iowa

RankCompany Group/group/code Company NameDirect Premiums WrittenLoss RatioMarket Share
1State Farm Group$389,03263.96%22.14%
2Progressive Group$285,10763.34%16.23%
3Nationwide Corp Group$180,62151.49%10.28%
4Iowa Farm Bureau Group$119,30867.98%6.79%
5American Family Insurance Group$111,22769.86%6.33%
6Grinnell Mutual Group$78,94571.86%4.49%
7GEICO$64,04478.07%3.65%
8IMT Mutual Holding Group$57,49870.27%3.27%
9Allstate Insurance Group$56,70260.70%3.23%
10West Bend Mutual Insurance Co$38,49858.38%2.19%
**state Total**$1,756,93064.70%100.00%

– Number of Insurers

There are so many different kinds of insurers out there, but there are two distinct types of providers that you’ll want to be aware of, and that is foreign providers versus domestic providers.

  • Domestic provider: insurance provider who will only provide insurance coverage for the state they are in. (An example of this would be that little mom and pop’s local place down the street)
  • Foreign provider: insurance provider who can provide coverage for many states. (An example of this would be the larger providers such as Progressive or Allstate).

Currently in Iowa, there are 73 domestic and 860 foreign providers that you can use. That’s a lot to chose from.

Iowa State Laws

Every state is different, so it’s fairly obvious that each state will have laws that are specific to that state. Iowa, just like every state, has laws that are unique to it.

In this section, we’ll cover everything you’ll need to know such topics as car insurance laws, safety laws, and more.

– Car Insurance Laws

Each state has car insurance laws that are unique to that state, Iowa is no different. It has its own requirements that you’ll need to know in order to lawfully drive your vehicle.

– High-Risk Insurance

If you’ve had your license revoked due to an OWI (Operating While Intoxicated), it’s likely that Iowa has deemed you a high-risk driver.

If Iowa has labeled you as a high-risk driver for this reason, you will be required to carry something known as an SR-22 certificate. Meaning that you’ll need to carry not only this certificate, but you’ll also be required to have at least the minimum liability coverage to go along with it.

This certificate is essentially an automobile liability that guarantees that you’ll have car insurance for the specified period of time.

According to Iowa’s DMV, you will need to file an SR-22 form with the DOT’s Driver & Identification Services. Your Iowa car insurance company will file the form for you.

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– Low-Cost Insurance

While there aren’t any low-cost insurance options in Iowa, that doesn’t mean you can’t save some extra cash on your insurance policy!

There are several ways you can lower your costs, such as having a clean driving record and good credit history. In addition, there is another way to save a little cash on your insurance policy: car insurance discounts.

There are so many discounts that you can choose from, and you could qualify for a lot of them.

– Windshield Coverage

There may come a time when your windshield is damaged and needs repair or replacing. Now, a lot of states have specific requirements when it comes to windshield coverage, but fortunately for Iowa citizens, Iowa is not one of them.

The catch to this, however, is that Iowa law does not require insurers to replace windshields if they are cracked or broken either. So if you have a damaged windshield, what are you to do?

Well, if you have comprehensive insurance, there is a chance your insurer will be willing to cover the cost of the repairs your windshield needs.

If you do not have comprehensive coverage, however, you may be on your own.

– Automobile Insurance Fraud in Iowa

The Insurance Information Institute (III) puts insurance fraud as costing U.S. citizens an average of $30 billion EACH YEAR! For this reason, insurance fraud is a criminal offense across the nation.

What are two ways in which people commit insurance fraud?

  1. Intentionally faking an accident or making a false claim
  2. Adding “extra” onto a claim

It’s a crime that simply isn’t worth it.

According to Iowa’s DMV, should you need to report insurance fraud, you can do so in any of the following ways:

– Statute of Limitations

If you are ever in an accident, you’ll want to know of the term statute of limitations.

The statute of limitations is basically the amount of time you have to make a claim or to take another driver to court.

In the state of Iowa, you have the following amount of time to submit your claim:

  • Personal Injury: Two years
  • Property Damage: Five years

– Vehicle Licensing Laws

There are some specific vehicle licensing laws that are specific to Iowa that we’ll now go over.

– Penalties for Driving Without Insurance

As we mentioned previously, the state of Iowa does not require all drivers to have car insurance. If you are in an accident, however, you will be required to provide some form of financial responsibility.

If you fail to provide some form of financial responsibility after an accident has happened, the Iowa Department of Transportation will suspend your license and registration.

As a reminder, the following options are considered acceptable forms of financial responsibility in Iowa:

  • Provide proof that you had liability insurance at the time of the accident
  • Pay one of the following to “Driver & Identification Services” in Iowa:
    • Cash
    • Certified check
    • Cashier’s check
    • Bank draft
    • Postal money order
  • Obtain a release form from all the people involved in the accident
  • Promise to cover (on an installment plan if needed) the costs of the injured or damaged parties in a filed statement
  • Receive a civil damage action decision that releases you from any liability
  • Complete a warrant for confession of judgment with an agreed-upon payment schedule
  • Provide evidence of a settlement reached between parties

In addition to all of this, if you are in an accident, you will also be required to file an accident form within 72 hours of the accident occurring. The only exception is if the police have already filed an accident form for you.

If you do not, you could be facing penalties such as your license/registration being revoked and/or a $500 fine.

– Teen Driver Laws

Teen drivers who are looking to get behind the wheel will need to follow a couple of rules and restrictions in Iowa:

Requirements for Getting a License or Restricted License in IowaTime Limits
Mandatory holding period12 months
Minimum supervised driving time20 hours (2 of which must be at night)
Minimum age16-years-old
Intermediate License Restrictions in IowaDetailsRemoval Time Limit
Nighttime Restrictions12:30 a.m. to 5 a.m.May be lifted after 12 months and age 17 or until age 18 (whichever occurs first)
Passenger Restrictions (family members excepted)At parental discretionMay be changed at parental discretion

– License Renewal Procedures

According to the Insurance Institute for Highway Safety (IIHS), you can expect the following license renewal procedures in Iowa:

License Renewal ProcedureGeneral PopulationOlder Population
Renewal Cycleevery 8 years or 74th birthday, whichever occurs firstevery 2 years for people 72 and older
Proof of Adequate Visionwhen renewing in person70 and older, every renewal
Online/Mail Renewal Availabilityonline, every other renewalnot permitted 70 and older

– New Residents

If you are looking to become a resident of Iowa, you’ll want to keep the following in mind:

You have the choice in Iowa on whether or not to buy car insurance. If you get into an accident or you lose your driving privileges, however, you must be able to show proof of financial responsibility right away.

– Rules of the Road

Put your shades on and get ready to learn about some of the rules of the road in Iowa.

– Fault vs. No-Fault

As we mentioned in an earlier section, Iowa is an “at-fault” state. Meaning that if you are the one who caused the accident, you will be the one held liable for the costs of that accident.

This is why, although Iowa doesn’t currently require drivers to have car insurance, it’s wise to purchase at least the minimum liability coverage. If you don’t, you could be paying hefty amounts of money out of your own pocket.

– Keep Right and Move Over Laws

Two laws that are super easy to follow are Keep Right and Move Over Laws.

Keep Right laws in Iowa just state that if you are driving slower than the traffic around you, you should be in the left lane. Easy right?

Move Over Laws in Iowa are just as simple. Basically, if you see a parked vehicle on the side of the highway or road, slow down or move over to another lane. The best rule of thumb for this one especially is if the vehicle has flashing lights, move over.

Some examples of these vehicles are as follows:

  • Emergency vehicle with flashing lights that is parked
  • Stationary tow/recovery/maintenance/waste/etc. vehicle that has flashing lights on
  • Any motor vehicle that has its hazard lights flashing

The purpose of both of these laws is simply to keep all drivers on the road safe. Whether you’re the one trying to pass a vehicle, or whether you’re in the vehicle being passed.

– Speed Limits

According to the Insurance Institute for Highway Safety (IIHS), the speed limits in the state of Iowa are as follows:

  • Rural Interstates: 70 mph
  • Urban Interstates: 55 mph
  • Limited Access Roads: 75 mph
  • All Other Roads: 65 mph

– Seat belt and Car Seat Laws

Making sure every passenger in the vehicle is a priority, which is why there are specific seat belt and car seat laws you’ll want to follow.

It’s been statistically shown that seat belts and proper car seats help to save lives, so make sure you adhere to the follow Iowa laws.

Iowa Safety Belt LawsDetails
Effective SinceJuly 1, 1986
Primary EnforcementYes
Age/Seats Applicable18+ years old in all seats
1st Offense Fine$25 plus fees
Car Seat LawsDetails
Rear-Facing SeatYounger than 1-year-old and less than 20 pounds
Child Restraint or Booster Seat1 through 5-years-old
Adult Seat Belt Allowed6 through 17-years-old
1st Offense Fine$25

– Ridesharing

There’s a high likelihood that you’ve at least heard of the rising popularity of ridesharing services. Companies such as Uber and Lyft have seen an increase in business due to it’s convenience. Because of this, a lot of individuals are rushing to these companies to earn a little extra pocket cash.

This means that if you would like to become a driver for one of these services, however, you will need to have at least the minimum liability coverage.

In addition, you will also need to make sure that on top of this minimum coverage, you will also need ridesharing coverage on your policy.

Currently, in Iowa the following providers have this coverage type:

  • Farmers
  • State Farm
  • USAA

– Safety Laws

We want to keep you safe while you’re out driving the roads of Iowa. In order to do this, we’re going to touch on some of the safety laws you’ll need to know before getting behind the wheel.

– DUI Laws

Drinking and driving has become quite the epidemic across the nation. It’s one of the current leading causes of driving fatalities nationwide.

In 2017 alone, there were 88 alcohol-related driving fatalities in Iowa.

This is why most states across the nation have started to crack down on DUI laws, Iowa included.

DUI Laws in IndianaDetails
Name for OffenseOperating While Intoxicated (OWI)
BAC Limit0.08
High BAC Categories0.15
Criminal Status- 1st serious misdemeanor
- 2nd aggravated misdemeanor
- 3rd+ class D felony
Look Back Period12 years

If you do not follow these laws, you could be facing some serious penalties such as the following:

Number of OffenseLicense Suspension or Revocation and IID lockIID LockImprisonmentFineOther
1st Offense180 days (may apply for temporary restricted license)Must install IID if crash occurred or BAC > .1048 hours up to 1 year; min 48 hours may be served in OWI program with law enforcement security$625 up to $1,250 OR community service- Complete substance abuse evaluation and treatment program

- Might be assigned a reality education substance abuse prevention program
2nd Offense2 years (not eligible for temporary restricted license for 45 days)not specified7 days to 2 years$1,875 to $6,250Same as 1st offense
3rd Offense6 years (not eligible for temporary restricted license for 45 days)not specified30 days to 5 years$3,125 to $9,375Same as 1st offense
4th OffenseSame as 3rd offenseSame as 3rd offenseSame as 3rd offenseSame as 3rd offenseSame as 1st offense

Drinking and driving simply isn’t worth all of this.

– Marijuana-Impaired Driving Laws

There have been many states across the nation that have

Iowa, on the other hand, is not one of them. They have a zero-tolerance THC policy.

This means that if you are caught driving under the influence of marijuana, you could face some of the same penalties as an OWI.

– Distracted Driving Laws

Operating a vehicle and trying to operate a hand-held device can be just as dangerous and driving under the influence. Taking your eyes away from the road, even for a second, could cause an accident.

States have also started to smart up to this and have been enforcing restrictions and laws on this, Iowa included.

Laws on Cellphones while DrivingDetails
Hand-held banNone
All use banLearner's permit and intermediate license holders
Texting banAll drivers
EnforcementPrimary

Iowa Can’t-Miss Facts

Almost there! In this final section, we’ll touch on the facts and statistics that you’ll want to know while driving in Iowa.

– Vehicle Theft in Iowa

Something a lot of people don’t take into account when purchasing and driving a vehicle is the chances that your vehicle could be stolen. It’s something we don’t want to have to think about because we hope it’ll never happen to us. But unfortunately, it does.

According to a study done by the FBI, the following data was found for car thefts in the various cities across Iowa:

CityNumber of Vehicle Thefts
Adel2
Albia5
Algona1
Altoona14
Ames34
Anamosa2
Ankeny36
Bettendorf12
Bloomfield6
Blue Grass0
Boone15
Buffalo2
Camanche0
Carlisle3
Carroll11
Carter Lake25
Cedar Falls24
Cedar Rapids297
Centerville13
Chariton5
Charles City3
Cherokee2
Clarinda11
Clear Lake8
Clinton45
Clive18
Coralville11
Council Bluffs541
Cresco0
Davenport239
Decorah3
Denison10
Des Moines850
De Witt3
Dubuque60
Dyersville3
Eagle Grove3
Eldora2
Eldridge4
Emmetsburg1
Estherville4
Evansdale2
Fairfield9
Forest City4
Fort Dodge84
Fort Madison12
Glenwood13
Grinnell6
Grundy Center0
Hampton0
Hawarden1
Hiawatha7
Humboldt10
Indianola19
Iowa City82
Iowa Falls1
Jefferson0
Johnston9
Keokuk27
Le Claire1
Le Mars10
Leon1
Lisbon0
Manchester4
Maquoketa6
Marengo0
Marion17
Marshalltown37
Mason City30
Monticello2
Mount Vernon1
Muscatine23
New Hampton0
Newton18
North Liberty11
Norwalk1
Oelwein6
Orange City3
Osage1
Osceola14
Oskaloosa8
Ottumwa69
Pella2
Perry8
Pleasant Hill8
Prairie City1
Red Oak6
Sergeant Bluff1
Sheldon4
Shenandoah9
Sioux City240
Spencer4
Spirit Lake5
State Center1
Storm Lake11
Story City0
Toledo2
Urbandale25
Vinton3
Walcott0
Washington7
Waukee1
Waukon0
Waverly8
Webster City12
West Burlington8
West Des Moines76
West Liberty1
Williamsburg0
Wilton1
Windsor Heights6
Winterset2

That’s a lot of cars. And of those cars, there are cars that are more popular to be stolen, as seen below.

Vehicle Make and ModelVehicle YearTotal Stolen
Chevrolet Pickup (Full Size)2002258
Ford Pickup (Full Size)2001198
Chevrolet Impala2005101
Dodge Pickup (Full Size)200493
Ford Taurus200377
Jeep Cherokee/Grand Cherokee200565
GMC Pickup (Full Size)200760
Toyota Camry199759
Dodge Caravan200556
Pontiac Grand Prix199956

– Dangers on the Road in Iowa

We’ll now cover the road danger statistics that are present in Iowa according to the National Highway Traffic Safety Administration (NHTSA).

– Fatal Crashes by Weather Condition and Light Condition 

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal1462185141267
Rain4340011
Snow/Sleet403007
Other323109
Unknown303017
TOTAL1602698152301

– Traffic Fatalities

County Name20132014201520162017
Adair35052
Adams12100
Allamakee53332
Appanoose32252
Audubon31114
Benton761194
Black Hawk12510118
Boone36421
Bremer13110
Buchanan11423
Buena Vista26321
Butler31142
Calhoun03114
Carroll26043
Cass565141
Cedar42522
Cerro Gordo367612
Cherokee02211
Chickasaw32150
Clarke20063
Clay25111
Clayton22341
Clinton24321
Crawford02430
Dallas86462
Davis01230
Decatur13016
Delaware31242
Des Moines42453
Dickinson22421
Dubuque494410
Emmet21100
Fayette65223
Floyd33165
Franklin20311
Fremont13033
Greene32231
Grundy42021
Guthrie31202
Hamilton02551
Hancock43202
Hardin12340
Harrison53215
Henry42352
Howard10210
Humboldt42031
Ida00111
Iowa21589
Jackson33444
Jasper75544
Jefferson21113
Johnson785168
Jones24431
Keokuk14211
Kossuth33222
Lee2311114
Linn121452016
Louisa35122
Lucas01012
Lyon41022
Madison22453
Mahaska62751
Marion21231
Marshall354412
Mills33253
Mitchell23110
Monona51357
Monroe01220
Montgomery00103
Muscatine21154
O Brien20410
Osceola03214
Page32110
Palo Alto03004
Plymouth01434
Pocahontas01002
Polk2619202827
Pottawattamie916131312
Poweshiek45226
Ringgold00062
Sac23143
Scott111321198
Shelby11323
Sioux21343
Story35545
Tama33427
Taylor30022
Union50121
Van Buren00021
Wapello12264
Warren761185
Washington24333
Wayne10104
Webster62765
Winnebago01002
Winneshiek12242
Woodbury141413108
Worth01230
Wright34101

– Fatalities by Road Type

Road Type2003-20052004-20062005-20072006-20082007-2009
Rural345348364347335
Urban8278818675
Total427426445432410

– Fatalities by Person Type

Person Type20132014201520162017
Passenger Car130117111152109
Light Truck - Pickup3853715354
Light Truck - Utility4332425442
Light Truck - Van2617123217
Light Truck - Other01000
Large Truck101161118
Bus00002
Other/Unknown Occupants6154810
Total Motorcyclists4152416048
Pedestrian2019252223
Bicyclist and Other Cyclists34585
Other/Unknown Non-occupants01322
Total317322320402330

– Fatalities by Crash Type

Crash Type20132014201520162017
Single Vehicle169167168203182
Involving a Large Truck6148617067
Involving Speeding5145499470
Involving a Rollover109110115110124
Involving a Roadway Departure185208185231207
Involving an Intersection (or Intersection Related)788510211385
Total Fatalities (All Crashes)317322320402330

– Five-Year Trend For The Top 10 Counties

County20132014201520162017
Polk County2619202827
Linn County121452016
Cerro Gordo County367612
Marshall County354412
Pottawattamie County916131312
Dubuque County494410
Iowa County21589
Black Hawk County12510118
Johnson County785168
Scott County111321198
Top Ten Counties Total113111124151122
All Other Counties Total203209196251208
Overall Total316320320402330

– Fatalities Involving Speeding by County

County Name20132014201520162017
Adair County00000
Adams County00000
Allamakee County21010
Appanoose County10230
Audubon County00001
Benton County10040
Black Hawk County11341
Boone County02020
Bremer County00000
Buchanan County00010
Buena Vista County00000
Butler County00100
Calhoun County00001
Carroll County02000
Cass County01061
Cedar County00111
Cerro Gordo County10109
Cherokee County00010
Chickasaw County01000
Clarke County10010
Clay County12000
Clayton County00010
Clinton County00100
Crawford County00120
Dallas County20040
Davis County00110
Decatur County00001
Delaware County00000
Des Moines County01000
Dickinson County20001
Dubuque County01123
Emmet County00000
Fayette County05012
Floyd County10000
Franklin County00000
Fremont County00002
Greene County00000
Grundy County00000
Guthrie County01000
Hamilton County00010
Hancock County00000
Hardin County01000
Harrison County10000
Henry County00110
Howard County10000
Humboldt County00000
Ida County00000
Iowa County00035
Jackson County00001
Jasper County22112
Jefferson County00000
Johnson County10013
Jones County00000
Keokuk County10000
Kossuth County00100
Lee County01121
Linn County22175
Louisa County00100
Lucas County00000
Lyon County00000
Madison County02011
Mahaska County10011
Marion County00111
Marshall County03000
Mills County01001
Mitchell County00000
Monona County01012
Monroe County00000
Montgomery County00000
Muscatine County00001
O Brien County00000
Osceola County00001
Page County10000
Palo Alto County00000
Plymouth County00002
Pocahontas County01000
Polk County847125
Pottawattamie County31140
Poweshiek County01010
Ringgold County00010
Sac County20022
Scott County43953
Shelby County00210
Sioux County00101
Story County00121
Tama County00022
Taylor County10011
Union County00000
Van Buren County00000
Wapello County00000
Warren County22101
Washington County00000
Wayne County00000
Webster County10221
Winnebago County00001
Winneshiek County00001
Woodbury County51660
Worth County00000
Wright County20001

– Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC = .08+) by County

County Name20132014201520162017
Adair County05020
Adams County00000
Allamakee County21121
Appanoose County11130
Audubon County01002
Benton County33131
Black Hawk County31211
Boone County20110
Bremer County10000
Buchanan County00110
Buena Vista County01100
Butler County11001
Calhoun County01013
Carroll County03012
Cass County11140
Cedar County10101
Cerro Gordo County11028
Cherokee County00110
Chickasaw County01010
Clarke County00000
Clay County00000
Clayton County22110
Clinton County11100
Crawford County00000
Dallas County34341
Davis County00000
Decatur County01002
Delaware County20000
Des Moines County11131
Dickinson County00011
Dubuque County12101
Emmet County10000
Fayette County01010
Floyd County10000
Franklin County20001
Fremont County11012
Greene County00020
Grundy County10000
Guthrie County01100
Hamilton County00020
Hancock County30002
Hardin County01110
Harrison County01100
Henry County10110
Howard County00000
Humboldt County21011
Ida County00100
Iowa County00112
Jackson County01010
Jasper County10011
Jefferson County00000
Johnson County13071
Jones County13100
Keokuk County11000
Kossuth County10100
Lee County21331
Linn County44041
Louisa County02100
Lucas County00011
Lyon County20000
Madison County10320
Mahaska County02100
Marion County11010
Marshall County21015
Mills County11011
Mitchell County10010
Monona County10222
Monroe County00210
Montgomery County00100
Muscatine County00021
O Brien County10100
Osceola County01012
Page County11000
Palo Alto County00001
Plymouth County00011
Pocahontas County01001
Polk County767106
Pottawattamie County43335
Poweshiek County12001
Ringgold County00000
Sac County02000
Scott County651061
Shelby County10000
Sioux County10010
Story County01101
Tama County30003
Taylor County10001
Union County00020
Van Buren County00000
Wapello County00121
Warren County20612
Washington County02002
Wayne County00002
Webster County20022
Winnebago County01000
Winneshiek County10121
Woodbury County61421
Worth County01000
Wright County20101

– Teen Drinking and Driving

The saddest part about the statistics above? These fatalities include teen drivers. That’s right, this includes teen drivers who drink and drive.

While the average number of underage drinking and driving deaths is only 0.8 deaths per 100,000 people in Iowa, there were still approximately 71 drinking and driving arrests made in 2016 alone in Iowa for teen drivers.

This ranks Iowa as the 20th state in the United States for teen drinking and driving arrests.

That’s quite a few teenagers driving drunk.

From these arrests, the following data was found from Responsibility:

Iowa 2017 Teen Driver Drinking and Driving Arrest DataIowa AverageNational Average
Under 18: Driving under the influence835,135
Total: Driving under the influence10,0821,017,808
Under 18: Liquor laws66129,073
Total: Liquor laws3,733234,899
Under 18: Drunkenness753,805
Total: Drunkenness3,805376,433

That’s a lot of teen drivers. This is why it’s so vital for adult drivers to lead by example and never drive while intoxicated.

– EMS Response Time

Type of Crash Time of Crash to EMS
Notification
EMS Notification to
EMS Arrival
EMS Arrival at Scene
to Hospital Arrival
Time of Crash to Hospital
Arrival
Rural6.21 min12.11 min32.39 min50.57 min
Urban3.88 min6.28 min19.72 min28.20 min

– Transportation 

Lastly, we’ll cover the statistics of transport in Iowa.

– Car Ownership

According to USA Data, the average number of vehicles owned per household in Iowa is two.

car ownership iowa

– Commute Time

The national average for commute time is approximately 25.5 minutes. Iowa citizens have that beat to a total commute time of 18.8 minutes on average.

Commute time Iowa

– Commuter Transportation

A majority of drivers tend to prefer to drive alone, and Iowa citizens are no exception at an average of 81.4 percent.

Iowa Commuter Transport

– Top City for Traffic Congestion

We get to close out on a really positive note! According to INRIX’s Scorecard, TomTom, and Numbeo, absolutely NONE of Iowa’s cities made it onto their traffic congestion indexes!

This means that traffic is so minute in Iowa that it didn’t make it onto any of their lists.

You did it. You went through this comprehensive guide like a champ.

If you’re ready to start comparing insurance today, don’t forget to use our FREE online tool.

References:
  1. https://www.nolo.com/legal-encyclopedia/iowa-car-insurance-laws.html
  2. https://www.iii.org/
  3. https://iowadot.gov/mvd/driverslicense/dlmanual/dlmanual.pdf
  4. https://iowadot.gov/mvd/about
  5. https://www.nolo.com/legal-encyclopedia/damages-how-much-personal-injury-32264.html
  6. https://www.dmv.org/ia-iowa/car-insurance.php
  7. http://www.calculatorpro.com/calculator/insurance-cost-calculator/
  8. https://www.naic.org/
  9. https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists
  10. http://www.ambest.com/
  11. https://www.jdpower.com/business/press-releases/2019-us-auto-insurance-study
  12. https://eapps.naic.org/cis/help.do#complaints_state
  13. https://www.dmv.org/ia-iowa/
  14. https://www.carinsurancecomparison.com/what-is-an-anti-lock-brakes-discount
  15. http://www.carwindshields.info/states
  16. https://www.iii.org/article/background-on-insurance-fraud
  17. https://eapps.naic.org/ofrs/ofrsHome.jsp
  18. https://iid.iowa.gov/insurance-consumer-complaint
  19. https://www.nolo.com/legal-encyclopedia/statute-of-limitations-state-laws-chart-29941.html
  20. https://www.iihs.org/
  21. https://iowadot.gov/rules
  22. https://www.iihs.org/iihs/topics/laws/speedlimits
  23. https://www.responsibility.org/alcohol-statistics/state-map/state/iowa/
  24. https://www.responsibility.org/alcohol-statistics/state-map/state/iowa/issue/marijuana-drug-impaired-driving-laws/
  25. https://www.iowacrimelawyer.com/criminal-defense/substance-abuse-crimes/marijuana-possession/
  26. https://ucr.fbi.gov/crime-in-the-u.s/2017/crime-in-the-u.s.-2017/tables/table-8/table-8-state-cuts/iowa.xls
  27. https://cdan.nhtsa.gov/STSI.htm#
  28. https://www.responsibility.org/wp-content/uploads/2018/02/2016-Under-21-Alcohol-Impaired-Driving-Fatalities-Per-100000-Population-by-State.pdf
  29. https://datausa.io/profile/geo/iowa/#category_transportation
  30. http://inrix.com/scorecard/
  31. https://www.tomtom.com/en_gb/trafficindex/list?citySize=ALL&continent=NA&country=US
  32. https://www.numbeo.com/traffic/region_rankings.jsp?title=2019&region=021

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