Iowa Car Insurance

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Whether you live in Des Moines, Cedar Rapids, Davenport, Sioux City, Waterloo or somewhere in between, Insurox offers choices for car insurance that could help you save hundreds of dollars a year.

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As a proud member of the Iowa community, we offer discounts to members of various college alumni groups, employers and associations across the state.

They say no road is long with good company. 234,793 miles of road across the Hawkeye State is pretty long so you better find a good insurance company.
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Iowa Car Insurance Coverage Information

In Iowa you are legally required to have these minimum coverages:

Liability

Bodily Injury $25,000 per person
Bodily Injury $50,000 per accident
Property Damage $10,000 per accident

Uninsured/Underinsured Motorist

Bodily Injury $25,000 per person
Bodily Injury $50,000 per accident


Liability coverage is legally required in Iowa and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident.

The coverage limits are determined by each individual state and normally split into three categories.

In Iowa, the minimum coverage is listed as 25/50/10 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Uninsured/Underinsured Motorist coverage is legally required in Iowa and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured/underinsured driver who is at fault.

The coverage limits are determined by each individual state and normally split into two categories.

In Iowa, the minimum is listed as 25/50 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured/underinsured driver.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured/underinsured driver if more than one person is hurt.

Most people opt for higher amounts of auto insurance coverage than the Iowa minimum in order to protect themselves in case of an accident.

Did you know this about the Hawkeye State?

Iowa is ranked #32 in the US for uninsured drivers
Rathbun Dam and Reservoir is the largest body of water in the state
You can use digital insurance cards in Iowa
Quaker Oats, in Cedar Rapids, is the largest cereal company in the world
Licensed drivers
68%
Uninsured drivers
18%
Population
318m

Find Car Insurance across The Hawkeye State

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