Estimating the cost of car insurance in Iowa depends on factors such as age, driving record, ZIP code, and the vehicle you drive.
CarInsurance.com’s auto insurance rate calculator uses your basic details to estimate car insurance costs in Iowa for three different coverage levels: Full coverage, liability only (limits of 50/100/50) and state minimum coverage. Use the calculator below to find your average insurance rates.
- Car insurance calculator is a valuable tool in estimating the cost of car insurance in Iowa.
- The average annual cost of a full coverage policy in Iowa with liability limits of 100/300/100 is $1,630 or $136 per month.
- Minimum liability coverage in Iowa costs around $260 per year, based on CarInsurance.com’s data analysis.
Car insurance calculator Iowa: How to get auto insurance estimates
CarInsurance.com editors suggest getting quotes from at least three different insurers when shopping for a policy, either at renewal time – every six months – or annually.
Because each insurer uses its own rating system, they weigh factors like age and driving history differently. If you get a ticket, one insurer may increase your premium by 5%, while another could raise it by 20%.
What factors affect car insurance estimates in Iowa?
The biggest variation in insurance estimates from state to state depends on the state law. Tort insurance law varies from no-fault insurance law. Tort insurance law operates on the principle that the person responsible for causing an accident is liable for the damages. This often leads to litigation to determine fault and the extent of damage.
On the contrary, no-fault insurance laws, adopted in several U.S. states, simplify this process by mandating each party’s insurance company to cover their clients’ bodily injury losses, regardless of who caused the accident.
Learn about the 10 most important factors that affect car insurance rates
Calculate new car insurance rates in Iowa by car model
It’s a good idea to get car insurance quotes before you purchase a new vehicle so you can factor that cost into your overall budget. Cars with smaller engines and advanced safety features generally have lower insurance premiums, making them a more affordable option to insure. On the contrary, luxury and sports cars usually have higher insurance costs.
| Vehicle type | Average annual rates |
|---|---|
| Convertible | $2,591 |
| Electric | $2,600 |
| Hatchback | $1,672 |
| Hybrid | $1,941 |
| Luxury Car | $2,736 |
| Luxury SUV | $2,270 |
| Minivan | $1,740 |
| Performance SUV | $2,790 |
| Sedan | $1,760 |
| Sports Car | $2,976 |
| Station Wagon | $2,138 |
| SUV | $1,639 |
| Truck | $1,882 |
| Van | $1,565 |
“The best way to get car insurance quotes is to comparison shop – making sure you are comparing apples to apples. The internet is a great resource to compare insurance products – be sure to line up the exact dollar coverage and any riders included as well,” says James Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “If you’re calling specific insurance companies, have them email written quotes to make sure there is no misunderstanding. Oftentimes, lower-cost insurance quotes don’t offer as much protection as higher-priced premiums, so it is an exercise in comparing apples to oranges.”
You can estimate your car insurance rates in Iowa by entering your vehicle’s make and model into the calculator below.
Insurance rates by car model
Iowa car insurance estimates for used cars
In Iowa, the cost to insure a used car is typically lower than for a new vehicle because its depreciation decreases the replacement cost. Insurance premiums will vary depending on the vehicle’s age, make, model and driving history, so it’s a good idea to get quotes from multiple companies to find the most affordable option.
Estimate your car insurance rates for used vehicles in Iowa using the calculator below based on your car’s make and model.
Average insurance rates for your used car
Calculate your used car insurance coverage needs in a few simple stepsFAQ: How to estimate car insurance rates before buying a car in Iowa
How much auto insurance do I need in Iowa?
The amount of car insurance you need depends on various factors, including your financial situation, the value of your vehicle, and your risk tolerance. If your car is leased or financed, your lender may require comprehensive and collision coverage when paired with liability, this is known as full coverage.
Each state has different minimum insurance requirements, including Iowa. But keep in mind that minimums are merely that – and are rarely enough financial protection in the event of a serious car accident.
| Requirements | Coverage limits |
|---|---|
| Minimum bodily injury liability | $20,000 per person, $40,000 per accident |
| Minimum property damage liability | $15,000 per accident |
How much does car insurance cost in Iowa per month?
In Iowa, the full coverage car insurance comprises collision, comprehensive and liability with the limits of 100/300/100 and cost $136 a month. On the other hand, state minimum coverage costs $22 and liability policy with limits 50/100/50 is $27 monthly.
Does your age impact how much you pay for insurance in Iowa?
Young drivers often pay more for car insurance in Iowa due to their lack of driving experience and statistically higher risk of getting into accidents. Insurance companies use this data to calculate risk, and this factor is built into the premiums that young drivers pay.
Additionally, young drivers are more likely to engage in risky behaviors such as speeding and distracted driving, further increasing the cost of their car insurance.
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Resources & Methodology
Methodology
CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male with a good insurance score and a 12-mile commute. The rates are for a full coverage policy with limits of 100/300/100 and a $500 deductible.
We analyzed 28,561,720 insurance quotes for 1,439 makes and models from 58 national and regional insurance companies across 510 ZIP codes.
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