$1,150
Avg Annual Premium
20/40/15
Min Coverage
3.2M
Population
2.8M
Registered Vehicles
Top Auto Insurance Carriers in Iowa
State Farm
Farm Bureau
GEICO
Progressive
Iowa Minimum Auto Insurance Requirements
Iowa requires a minimum liability coverage of 20/40/15 (bodily injury per person / bodily injury per accident / property damage). While this is the legal minimum, most experts recommend higher coverage limits to protect your assets.
Coverage breakdown (20/40/15):
- $20K bodily injury per person
- $40K bodily injury per accident
- $15K property damage per accident
How to Save on Auto Insurance in Iowa
- 1.Compare quotes from multiple carriers — rates can vary by $500+ for the same coverage
- 2.Bundle your auto and home insurance for multi-policy discounts
- 3.Maintain a clean driving record — tickets and accidents significantly increase premiums
- 4.Ask about discounts: good student, military, low mileage, safety features
- 5.Consider raising your deductible to lower your monthly premium
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