Iowa Car 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, named after chief Black Hawk, is filled with golden cornfields and gently rolling plains. Iowa has a rich past, and as a result, the state features nature reserves, archaeological sites, and history museums. To visit these attractions in your home state, though, you need car insurance to drive.

Researching car insurance is hard work. Hours you could spend doing something else are wasted on pouring over different websites and calculating rates. Imagine being able to find the right provider with the best rates quickly!

We will help you stop wasting time with our comprehensive guide. We have covered everything you need to know about providers, rates, state laws, and much more!

Let’s jump right in so that you can gain the knowledge you need to quickly pick out the provider and coverage you need. Click on our FREE online tool above and enter your zip code to start comparing rates today!

Iowa Car Insurance Coverage and Rates

Iowa requires all drivers to have car insurance. Yet it can be confusing to understand the multiple different coverages and rates available to you. How do you know which coverages you actually need? After all, you don’t want to pay for coverage that’s unnecessary or overly expensive.

That’s why we have explained the different coverages and rate statistics in Iowa so that you can feel confident in your decision! We want you to be knowledgeable so that you can purchase the best coverage and rates possible.

Keep scrolling to learn everything you need to know about before purchasing car insurance.

– Iowa Minimum Coverage

While Iowa does not have a compulsory car insurance law, Iowa does have the Motor Vehicle and Financial Safety Act. This means that Iowa doesn’t require drivers to have car insurance, but if you are in an accident you must provide proof of financial responsibility. This proof could be your own liability insurance or Iowa’s minimum liability insurance amount.

There are a few other forms of financial responsibility you can provide, which we will cover in the next section.

The last thing you want is to be in an accident without insurance, as the most likely result is that you will be unable to pay off medical bills and property damage.

Iowa requires drivers to have the following minimum liability insurance if their license has been suspended or revoked:

  • $20,000 to pay for the injuries of one person
  • $40,000 to pay for the injuries of more than one person
  • $15,000 to pay for property damage

It is important to note that these requirements are only the MINIMUM amounts. If costs go beyond these amounts, you will be stuck paying the bills yourself. That’s why we recommend purchasing MORE than the minimum liability amount, as you never know when an accident may happen and start eating into your savings.

– Forms of Financial Responsibility

If you live in Iowa, the state law requires you to have a form of financial responsibility. A form of financial responsibility proves that you have valid insurance on your car or are able to pay for costs in an accident. Anytime you are pulled over by an officer or are in an accident, you must provide proof of financial responsibility.

Some acceptable forms of financial responsibility are the following:

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

There is a catch to the minimum liability insurance policy. According to the DMV, if you are in an accident and don’t have minimum liability insurance, you may avoid having your license suspended by providing one of the acceptable forms of financial responsibility below:

  • 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

Iowa insurance laws get even trickier because there are few ways you can get out of completing the above actions. According to the DMV, there are a few exceptions to the above accident rules:

  • “At the time of the accident, your vehicle was legally standing, stopped, or parked.”
  • “Someone was driving your vehicle without your permission at the time of the accident.”
  • “You were the only person to incur injuries or property damage as a result of the accident.”

Confused? Just remember that you must have proof of financial responsibility on your person when operating a vehicle. If you do not provide proof of financial responsibility after an accident, you will face fines and suspension of your license and car’s registration UNLESS you provide proof of financial security.

In summary, the easiest way to avoid penalties and navigate tricky laws is to have Iowa’s required car insurance.

– Premiums as a Percentage of Income

What is per capita disposable income? You might have heard this term used before, and it basically refers to the amount of money someone has left to spend or save after taxes.

In Iowa, the average per capita disposable income is $39,820. This means the average Iowan has $3,318 to spend each month. 

So how much of this money is going to car insurance? The following number may make you happy, as it is considerably less than other states’ average premiums.

In Iowa, the average annual amount spent on car insurance is $683.

This isn’t too bad, considering that it only subtracts $56 out of your monthly budget! If you compare these numbers to the national average, it looks even better. 

The average annual amount spent on car insurance across the U.S. is $981 or $81 per month, which means Iowa is SIGNIFICANTLY LESS than the countrywide average. That extra few hundred a year can be well spent on groceries, rent, and other household necessities. 

It also means that if you desire, you have a little extra to spend on better coverage ABOVE the minimum liability amount.

– Core Coverage in Iowa

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

The above data is from one of the leading sources on the matter, the National Association of Insurance CommissionersYou can expect car insurance rates in Iowa to be significantly higher for 2019 and on.

Remember, while it is important to have the required insurance, you should have additional coverage. That’s why we are going to dive into additional liability coverage and add-ons.

– Additional Liability Insurance

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

The above coverages are optional in the state of Iowa. This doesn’t mean you shouldn’t have them! These optional coverages provide valuable protection in case of an accident.

For example, if you are in an accident with uninsured or underinsured drivers and they are at fault, they will likely be unable to pay for your medical bills and property damage before going bankrupt. This is where the above insurances help save you from expensive bills.

In the state of Iowa, 8.7 percent of drivers are uninsured. This percentage ranks Iowa as 38th in the nation for uninsured drivers.

This number of uninsured drivers isn’t terrible, but you DO NOT want to risk having an accident with an uninsured driver. These accidents can quickly drain BOTH drivers of their resources.

You might be wondering what the loss ratios in the table mean. Here’s a simple breakdown.

  • High Loss Ratio — If a company has high loss ratios (over 100 percent), it is losing money from paying out too many claims and risks going bankrupt.
  • Low Loss Ratio — If a company has low loss ratios, it is paying out too FEW claims.

The top companies in the U.S. have loss ratios that range from 94 to 112 percent. In 2015, Iowa’s Uninsured and Underinsured Motorist coverage was well below these optimal ratios but has started to increase over the years to a better percentage.

Medpay loss ratios in Iowa have also increased, which is good news.

So if you are an Iowan looking to purchase the recommended Medpay and Uninsured/Underinsured Motorist coverages, you can feel comfortable that the loss ratios are headed in a good direction.

– Add-ons, Endorsements, and Riders

We know we’ve already talked about additional liability coverage, but there are few other options to round out your coverage policy. These options are great add-ons, as they are effective and affordable.

These coverages are useful in case of an accident or other mishaps.

Add any of the above options to your coverage for protection that is tailored to your specific needs. Next up, a closer look at the impact demographic information has on your rates.

– Demographic Rates in Iowa

At most companies, gender DOES play a role in your rates. Our researchers found that in Iowa, females pay more than males for car insurance even if they have the same driving record and background as males. This statistic is true across most states, with only THREE states having equal rates!

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

Age also influences rates. Teenage drivers pay THOUSANDS more for car insurance! This is why most parents place teenagers on their own insurance policy, as the rates are more economical. Otherwise, a teenager’s minimum wage summer job wouldn’t be enough to pay for car insurance.

The area you live in is also an important factor in car insurance rates. We’ve listed the highest and lowest rates for car insurance by zip code below.

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

Iowa City zip codes are among the cheapest places for car insurance, whereas Council Bluffs zip codes are the most expensive. Want to search by cities instead of zip codes? Look at the information below to find where your city ranks!

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

Once again, Council Bluffs is the most expensive place to purchase car insurance. While Council Bluffs isn’t the biggest city in Iowa, it is one of the ten largest cities in Iowa. Surprisingly, Iowa City is also one of the biggest cities in Iowa, but Iowa City car insurance is one of the top twenty cheapest cities for car insurance.

Clearly, the size of the city doesn’t play a big role in determining car insurance costs, as two of the largest cities have extremely DIFFERENT costs.

Iowa Car Insurance Companies

With over three million drivers in the state of Iowa, it makes sense that there is an equally overwhelming amount of car insurance companies. It can be difficult to pick out the best company from the various insurance companies clamoring for customers’ attention. Who will give you the best coverage AND the best rate?

Insurance companies all promise to deliver fantastic rates and coverages, but not all of them do. That’s why we have done the hard work of looking through companies for you.

We will cover companies’ financial ratings, customer reviews, and much more. So keep reading to learn everything you need to know in order to pick out the company that is right for YOU.

– The Largest Companies’ Financial Ratings

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%

If you recall, the best companies don’t have high OR low loss ratios. Since an AM best rating determines a company’s financial security, you can see that the best-rated companies have decent loss ratios.

None of the companies are at risk of going bankrupt, though a few could work on increasing their loss ratios by paying out more claims.

– Companies with the Best Ratings

Customer satisfaction plays a huge role in the success of a company. J.D. Power studied five factors of customer satisfaction (interaction, policy offerings, price, billing process/policy information, and claims) to see which companies had the best customer satisfaction in Iowa.

Central Region JD power picture

In the graphic above, you will see that a few of Iowa’s top ten biggest companies, such as Geico, are great at handling customer service. Let’s now look at another element that contributes to a high or low customer satisfaction rating — customer complaints.

– Companies with the Most Complaints in Iowa

Keep in mind that complaints don’t necessarily mean a company is terrible and should be avoided. Rather, it is HOW a company handles complaints that should matter when shopping for car insurance.

That’s why we’ve taken a closer look NAIC’s data on the largest car insurance companies in Iowa to see how they handle complaints.

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

As we talked about before, shopping around for car insurance is a MUST to receive the best rates! Below, you will see just how much rates vary in Iowa based on the company.

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%

– Rates by Commute Distance in Iowa

At some companies, your commute distance does create different rates.

CompanyCommute Distance and Annual MileageAnnual Average Rate
Travelers10 miles commute. 6,000 annual mileage.$5,425.63
Travelers25 miles commute. 12,000 annual mileage.$5,425.63
Liberty Mutual10 miles commute. 6,000 annual mileage.$4,415.48
Liberty Mutual25 miles commute. 12,000 annual mileage.$4,415.48
American Family25 miles commute. 12,000 annual mileage.$3,057.13
Allstate25 miles commute. 12,000 annual mileage.$3,035.64
American Family10 miles commute. 6,000 annual mileage.$2,986.61
Allstate10 miles commute. 6,000 annual mileage.$2,894.65
Nationwide10 miles commute. 6,000 annual mileage.$2,551.81
Nationwide25 miles commute. 12,000 annual mileage.$2,551.81
Farmers10 miles commute. 6,000 annual mileage.$2,435.45
Farmers25 miles commute. 12,000 annual mileage.$2,435.45
Progressive10 miles commute. 6,000 annual mileage.$2,394.23
Progressive25 miles commute. 12,000 annual mileage.$2,394.23
Geico25 miles commute. 12,000 annual mileage.$2,341.77
State Farm25 miles commute. 12,000 annual mileage.$2,277.01
Geico10 miles commute. 6,000 annual mileage.$2,251.26
State Farm10 miles commute. 6,000 annual mileage.$2,169.94
USAA25 miles commute. 12,000 annual mileage.$1,919.94
USAA10 miles commute. 6,000 annual mileage.$1,784.77

As you can see, at companies like Geico, the more you drive the more you pay. Luckily, a few of the companies on the list DON’T INCREASE costs based on distance. If you drive more, check out companies where distance doesn’t matter.

On the other hand, if you drive less, it might be worth looking into companies that have lower rates for a shorter commute.

– Coverage Level Rates

In general, the more you pay the better coverage you will get. Don’t let higher costs deter you from purchasing better coverage, as some companies have economical rates for increasing coverage.

CompanyCoverage LevelAnnual Average
TravelersHigh$5,666.01
TravelersMedium$5,507.84
TravelersLow$5,103.05
Liberty MutualHigh$4,601.36
Liberty MutualMedium$4,407.47
Liberty MutualLow$4,237.62
American FamilyMedium$3,189.92
AllstateHigh$3,072.83
American FamilyLow$3,035.16
AllstateMedium$2,968.91
AllstateLow$2,853.70
American FamilyHigh$2,840.53
NationwideLow$2,660.79
NationwideMedium$2,539.43
FarmersHigh$2,530.66
ProgressiveHigh$2,521.62
NationwideHigh$2,455.20
FarmersMedium$2,443.15
GeicoHigh$2,411.84
ProgressiveMedium$2,402.19
FarmersLow$2,332.54
State FarmHigh$2,318.68
GeicoMedium$2,297.14
ProgressiveLow$2,258.89
State FarmMedium$2,236.04
GeicoLow$2,180.55
State FarmLow$2,115.69
USAAHigh$1,941.61
USAAMedium$1,858.31
USAALow$1,757.16

At companies like USAA, there is only a $184 increase when changing from low to high coverage. This means you will only pay an extra $15 a month for better coverage!

– Credit History Rates

Your credit score does impact your rates. Luckily, Iowa is in the top ten states with the highest credit score! The average credit score in Iowa is 695, which is above the national average of 675.

CompanyCredit HistoryAnnual Average
Liberty MutualPoor$6,295.97
TravelersPoor$6,101.70
TravelersFair$5,210.35
TravelersGood$4,964.86
Liberty MutualFair$3,889.40
American FamilyPoor$3,853.23
AllstatePoor$3,544.28
State FarmPoor$3,166.55
NationwidePoor$3,100.67
Liberty MutualGood$3,061.08
American FamilyFair$2,831.65
ProgressivePoor$2,828.78
AllstateFair$2,817.56
FarmersPoor$2,793.56
GeicoPoor$2,759.89
AllstateGood$2,533.59
USAAPoor$2,434.97
NationwideFair$2,427.31
American FamilyGood$2,380.74
FarmersFair$2,317.58
GeicoFair$2,296.52
ProgressiveFair$2,284.84
FarmersGood$2,195.20
NationwideGood$2,127.45
ProgressiveGood$2,069.08
State FarmFair$1,958.88
GeicoGood$1,833.13
USAAFair$1,673.05
State FarmGood$1,544.99
USAAGood$1,449.06

Ouch! At companies like Liberty Mutual, bad credit will raise your rate by over three thousand dollars! So pay attention to your credit score and which companies have the best rates because it can save you a lot of money!

– Driving Record Rates

The cleaner your record, the better your rates. Just one accident or DUI can raise your rates by the THOUSANDS!

CompanyRecordAverage Annual Cost
TravelersWith 1 DUI$7,060.59
TravelersWith 1 speeding violation$5,414.68
TravelersWith 1 accident$5,272.67
Liberty MutualWith 1 DUI$4,811.37
Liberty MutualWith 1 accident$4,718.68
Liberty MutualWith 1 speeding violation$4,318.32
American FamilyWith 1 DUI$4,146.29
TravelersClean record$3,954.60
Liberty MutualClean record$3,813.55
NationwideWith 1 DUI$3,619.74
AllstateWith 1 DUI$3,470.40
American FamilyWith 1 accident$3,194.70
ProgressiveWith 1 accident$3,153.79
GeicoWith 1 DUI$3,150.98
AllstateWith 1 accident$3,051.76
AllstateWith 1 speeding violation$2,818.27
NationwideWith 1 accident$2,653.56
FarmersWith 1 DUI$2,612.59
FarmersWith 1 accident$2,574.18
American FamilyWith 1 speeding violation$2,564.80
AllstateClean record$2,520.15
FarmersWith 1 speeding violation$2,479.99
USAAWith 1 DUI$2,470.24
GeicoWith 1 accident$2,430.59
ProgressiveWith 1 speeding violation$2,409.88
State FarmWith 1 accident$2,388.67
State FarmWith 1 DUI$2,223.47
State FarmWith 1 speeding violation$2,223.47
American FamilyClean record$2,181.69
NationwideWith 1 speeding violation$2,088.61
ProgressiveWith 1 DUI$2,088.27
FarmersClean record$2,075.02
State FarmClean record$2,058.27
ProgressiveClean record$1,925.00
USAAWith 1 accident$1,899.66
GeicoWith 1 speeding violation$1,865.34
NationwideClean record$1,845.32
GeicoClean record$1,739.14
USAAWith 1 speeding violation$1,624.60
USAAClean record$1,414.93

Clearly, a clean record goes a long way in cutting back costs!

– Number of Insurers in Iowa

There are 73 domestic and 860 foreign insurance providers in Iowa. You might be wondering what the difference is between the two. Basically, domestic insurance is formed under Alaska law, but foreign insurance is formed under the laws of any state in the U.S.

Iowa Domestic vs. Foreign Insurers

Now that we’ve tacked insurers, let’s move onto to another important part of car insurance — state laws.

Iowa State Laws

Everyone knows that breaking the law leads to consequences. But it can be EXTREMELY confusing to know every single state law in your area. Not to mention that driving laws change from state to state!

If you are new to Iowa, we want to help you avoid a driving ticket. Bear with us, because we are going to cover all the must-know driving laws in Iowa.

We will look at both insurance and road laws so that you can feel comfortable and secure on the road.

– Car Insurance Laws

How do insurance laws work? This may not be the first question on anyone’s mind, but knowing how Iowa law works is useful.

Let’s rewind for a moment. Iowa doesn’t legally require car insurance, but the Motor Vehicle and Financial Safety Act makes sure that insurance is an attractive option to drivers.

If you are in an accident, insurance is the best way to prove financial responsibility. Not having proof of financial responsibility WILL result in penalties.

Bottom line? Purchase car insurance in Iowa, as not having car insurance comes with risks. Hang on, because we are going to dive into the different types of insurance.

– High-Risk Insurance

High-risk insurance is likely the last thing you want to purchase. Sometimes, though, accidents happen and the law will require you to have high-risk insurance. If you are required to have high-risk insurance, you must fill out an SR-22 form.

An SR-22 form requires you to have the MINIMUM amounts of liability insurance in Iowa. We know, Iowa law is confusing! To restress Iowa’s laws, drivers aren’t necessarily required to have minimum car insurance — just proof of financial responsibility if they are in an accident.

Luckily, the cost of minimum car insurance in Iowa is significantly less than other states. Not to mention that we highly recommend NEVER driving without car insurance, so purchasing the minimum amount for high-risk insurance should have already been done BEFORE the accident.

– Low-Cost Insurance

While Iowa doesn’t have a low-cost insurance program for low-income families, don’t let this discourage you from purchasing car insurance! There are plenty of ways to lower costs by shopping around for the best coverages and rates.

Most insurers will provide discounts. Ask insurers if they offer the following discount options:

  • Being a home-owner
  • Having insurance on multiple cars
  • Paying your premium in full
  • Being a good student (it pays to study)
  • Switching insurance providers often comes with a discount
  • An accident-free record

Having an accident-free record is the best way to have reduced rates. Accidents will greatly increase your premiums, especially if you are at fault.

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– Windshield Coverage

Sometimes, a windshield can crack for what appears to be no reason at all. A stray pebble may have glanced off earlier, the crack going unnoticed until it spread halfway across your windshield. Improper installation and extreme temperatures can also contribute to windshields that unexpectedly crack.

If this happens to you, you want your windshield repaired as soon as possible. Here’s the catch, though. Iowa law does not require insurers to replace windshields if they are cracked or broken.

Now it’s time for the good news. IF you have comprehensive insurance, there is a GOOD chance your insurer will cover the cost of repairs.

See? Having good insurance does pay off. Otherwise, you will be stuck paying for that broken windshield yourself.

– Automobile Insurance Fraud in Iowa

Did you know that in the state of Iowa, insurance fraud is classified as a crime? The result is that Iowa has a fraud bureau working to catch people who commit insurance fraud.

There are two main ways to commit insurance fraud:

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

Insurance Research Council’s 2008 study reported that automobile fraud added between $4.8 billion and $6.8 billion to claims in the U.S.! With high numbers like this, it is no wonder that Iowa is working to prevent insurance fraud.

If you commit insurance fraud, you risk fines and jail time. Don’t do it! Honesty on claims will prevent you from being charged with insurance fraud.

– Statute of Limitations

If you are in an accident, there is a LIMITED amount of time to file a claim. This amount of time is called the statute of limitations, and it makes sure that claims don’t drag on years past the date of an accident.

The statute of limitations starts counting from the DAY of your accident, so don’t wait! File a claim as soon as you can to make sure you get the money you are owed.

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

Iowa’s statute of limitations is fairly generous. Other states, like Louisana, only allow one year to file for personal injury and property damage claims. Just make sure to not put off filing that claim for too long.

– Iowa’s Clean Claim Law

In Iowa, the law requires insurers to respond to claims that their customers submit. Insurers that don’t respond to claims can be legally pursued. It is important to note that while the law requires insurers to respond to claims, insurers may “conveniently” forget benefits that you are privy to.

You want the coverage you paid for. So to receive ALL the benefits that you are due, make sure to familiarize yourself with your policy. This way you will know what you are owed in case of an accident.

– Vehicle Licensing Laws

As we covered before, the state of Iowa does not require all drivers to have car insurance. If you are in an accident, though, you MUST provide proof of financial responsibility.

If you don’t provide proof of financial responsibility after an accident, the Iowa Department of Transportation WILL suspend your license and registration.

As a reminder, here are the 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 agreed upon payment schedule
  • Provide evidence of a settlement reached between parties

If you are in an accident, you must also fill out an accident form within 72 hours (unless the police file a form). If you are in an accident without insurance or another form of financial responsibility, you will face fines of $500. You may also have your license and registration suspended and possible impoundment of your vehicle.

Anytime you are pulled over, you must provide proof of financial responsibility or face penalties.

– Teen Driver Laws

Teens must be at least 14 years old to receive a learner’s license (or permit) in the state of Iowa. In order to apply for a license or restricted license, though, teen drivers must meet the requirements below.

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

During the intermediate or restricted license state, there are certain rules teen drivers must follow.

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

Up next we cover the restrictions in place for older drivers, another group that has different driving requirements.

– Older Driver License Renewal Procedures

If you are over 72 years old, Iowa law requires you to renew your license every TWO years. There are a few other rules in place, which we have listed below.

  • Proof of adequate vision is required at every visit
  • Online or mail renewal is not permitted for those aged 70 and older

So if you are an older driver, plan on visiting the eye doctor and the DMV every two years.

– New Residents

If you want to drive in the state of Iowa, you need car insurance or proof of financial responsibility. You can opt out of uninsured and underinsured motorist coverage, but you should have bodily injury and property damage liability insurance. As a reminder, here are the minimum amounts in Iowa.

  • $20,000 to pay for the injuries of one person
  • $40,000 to pay for the injuries of more than one person
  • $15,000 to pay for property damage

Make sure to contact your current provider to change the rates to match Iowa’s minimum. You will also need updated insurance cards with your new address.

Remember, while car insurance isn’t technically legally required in the state of Iowa, there are penalties for driving without it. So make sure you are covered when you move to Iowa!

– License Renewal Procedures

If you are under the age of 70, we have great news! The Iowa DMV only requires the general population to renew their licenses every EIGHT years. It gets even better, too, as Iowans are allowed to renew by mail or online every other renewal.

This means Iowans under the age of 70-years-old can go 16 years without a trip to the DMV!

One last thing. When you are renewing in person at the DMV, the law requires proof of adequate vision. So you will have to take a vision test or provide proof of one when you renew in person.

– Reckless Driving

In Iowa, reckless or negligent driving is against the law. Reckless driving is when a person’s driving endangers other people and property. Usually, reckless driving is classified as a misdemeanor.

Possible penalties for reckless driving:

  • 30 days in jail and/or fines that range from $25 to $625
  • 5-day to 30-day license suspension

For more serious cases of reckless driving, in which a driver causes the death of another person through reckless driving, the penalties are much more severe.

Homicide OffenseFelony TypeJail timeLicense RevocationAdditional Penalties
Reckless driving while intoxicatedClass B FelonyUp to 25 years6 yearsComplete drinking and driving program; may have to complete substance abuse program
Recklessness and/or fleeing from an officerClass C FelonyUp to 10 yearsUp to 1 year$1,000 to $10,000 in fines
Drag racingClass D FelonyUp to 5 yearsUp to 1 year$750 to $7,000 in fines

Reckless driving endangers not only yourself but everyone around you! DON’T drive recklessly — the result may be an unintentional homicide.

– Rules of the Road

Every driver MUST know the rules of the road. Not only do the rules keep drivers safe, but it prevents you from racking up fines and points on your record. We are going to dive right into the most important rules you need to know.

Scroll down to learn how to avoid breaking the law!

– Fault vs. No-Fault

Iowa is an at-fault state. What does this mean? The person who caused the accident is liable for all personal injury and property damage claims.

If you don’t have insurance and are at-fault, an accident will quickly use up your savings!

If you don’t have insurance in an accident, additional fines and penalties will also be added. Don’t risk it! Even though Iowa doesn’t legally require you to have insurance, the Motor Vehicle Financial and Safety Responsibility Act has strict penalties for those in accidents without insurance.

– Keep Right and Move Over Laws

Iowa’s keep right law is fairly simple.

If you are driving slower than the speed of the traffic around you, keep to the right lane.

Everyone knows to pass on the left, but there are certain instances where you can pass on the right. We have outlined them below.

  • If a vehicle is about to or is making a left turn
  • If there are four or more lanes of traffic moving in the same direction

If you do pass on the right when it isn’t safe to do so, you could be convicted of a misdemeanor. So exercise caution when passing on the right, as with any driving maneuver.

As for the move over law, this law is also common sense. If you see a parked vehicle with flashing lights parked on the highway or road, slow down or move over a lane. Additionally, you must move over to the right and stop for vehicles that are driving with flashing lights, such as police officers and emergency vehicles.  Below are some examples of vehicles to move over for.

  • Parked emergency vehicle with flashing lights
  • Stationary tow, recovery, maintenance, waste, etc. vehicle that has flashing lights
  • Any motor vehicle that has its hazard lights flashing

Remember, Iowa intends for these laws to keep people parked on the side of the road safe. The last thing you want is to hit someone because you failed to slow down or move over.

– Speed Limits

Rural InterstatesUrban InterstatesOther Limited Access RoadsOther Roads
70 mph55 mph75 mph65 mph

The above speed limits are simply the MAX speeds on road types. Speed limits may vary, so make sure to follow road sign speed limits to avoid a ticket.

– Seat Belt and Car Seat Laws

Advertisers created the slogan “buckle up” for a reason. Safety seat belts can save lives in a crash. Iowa has mandatory seat belt laws that every driver needs to follow. If you don’t, law enforcement WILL fine you.

Safety Belt RulesDetails
Effective SinceJuly 1, 1986
Primary EnforcementYes
Age/Seats Applicable18+ years old in all seats
1st Offense Fine$25 plus fees

Primary enforcement simply means an officer can pull you over and give you a ticket for not wearing a seat belt — that is, an officer doesn’t need a different reason to pull you over.

Up next is car seat laws, which are important in keeping children safe in the car. If you have kids, make sure to follow the law to keep them as safe as possible.

Required Car SeatsAge
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

Finally, there are no state laws about riding in the cargo areas of pickup trucks. This doesn’t mean that you should just throw everyone in the back of your pickup and drive off. Be cautious to keep everyone (including yourself) safe in the back of a pickup.

– Ridesharing

If you are thinking of joining a ridesharing service, you will need to purchase ridesharing insurance. The following providers offer ridesharing insurance in Iowa.

  • Farmers
  • State Farm
  • USAA

Iowa requires ridesharing drivers to have properly registered vehicles WITH the minimum liability insurance amount and ridesharing insurance. Ridesharing companies will also check your driving record, and any accidents or suspended licenses within the last three years will disqualify you.

– Automation on the Road

Iowa is not one of the 32 states that have created laws and restrictions for driving automated vehicles. Automated vehicles may bring to mind self-driving cars, but automated vehicles can also include features like cruise control. BMW explains the different levels of automated driving in the video below.

Stick with us, because next, we are going to jump into safety laws about impaired driving.

– DUI Laws

Did you know that in 2017, there were 88 alcohol-related fatalities in Iowa? Drunk driving is a significant problem all across the U.S., which is why states have taken individual steps to penalize drunk driving. Below are the details of Iowa’s classification of drunk driving.

Impaired Driving Law in IowaDetails
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

For each offense, the penalties grow steadily worse.

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

Having that extra drink will reward you with fines, jail time, treatment programs, and a suspended license. Simply put, don’t drive drunk and this won’t happen to you.

– Marijuana-Impaired Driving Laws

Smoking a joint before driving has many of the same consequences as drunk driving. The state of Iowa is one of the few states with ZERO tolerance for THC-impaired driving.

Here’s the kicker. If officers suspect you of using marijuana and have you give a urine sample, they can still charge you with an OWI even IF you used weeks before.

Why?

Marijuana, like other drugs, can be present in your urine for up to a month. It can also be detected in your hair for several months! The long-lasting evidence of marijuana use means officers can charge you with an OWI even if you aren’t high when driving.

While this law has its issues (for example, what if you used in a legal state weeks before?), avoid the possibility of an OWI by NEVER driving under the influence of marijuana.

– Distracted Driving Laws

Equally as dangerous as impaired driving is distracted driving. The main cause of distracted driving is smartphone use, which is why Iowa has the following restrictions in place.

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

Remember, primary enforcement means an officer doesn’t need a different traffic violation to pull you over — officers can pull you over and ticket you for just texting.

Iowa Can’t-Miss Facts

Now that you have a solid understanding of Iowa’s laws, let’s move onto another important section. Every state has specific dangers to watch out for, and Iowa is no exception.

Iowa is home to beautiful nature reserves and wildlife, but nature also comes with drawbacks. Iowa is in the top five states for deer collisions! The video below provides some information and some driving safety tips to avoid hitting deer.

No-one wants to be in a head-on collision with a deer. Hopefully, you can avoid potential accidents if you are aware of what is happening on Iowa’s roads. That’s why we’ve put together statistics detailing Iowa’s main risk factors beyond the wildlife population.

Continue reading to learn about Iowa’s vehicle theft, driving fatalities, teen drinking, and EMS response time.

– Vehicle Theft in Iowa

Certain cars in Iowa are stolen more than others. If your car is stolen, comprehensive insurance will cover the costs incurred by the theft. This is one of the reasons why it is so important to have car insurance!

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

The FBI has also created a 2013 report detailing vehicle theft by cities.  It makes sense that where you live can impact vehicle theft, as crime rates are higher in some areas.

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

– Iowa’s Crash Report

Risky and harmful behavior contributes to multiple crashes in Iowa. That’s why we want to show you the statistics for the main factors that contribute to fatal crashes.

The National Highway Traffic Safety Administration included one of Iowa’s cities on its list of traffic fatalities by cities.

CityTotal Killed 2016Pedestrians Killed 2016Fatality Rate per 100,000 Population
Des Moines City2059.28 percent

Road type also plays an important role in traffic fatalities. Generally, more fatalities happen on rural roads than on urban roads, so make sure to drive carefully both inside AND and outside the city.

Below is the NHTSA’s data on moving averages of fatalities by road type.

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

Person type (vehicle type and pedestrian vs. occupant) also plays a part in fatality rates.

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

Next up, how the type of crash impacts fatality rates.

Crash Type20132014201520162017
- (1) Single Vehicle169167168203182
- (2) Involving a Large Truck6148617067
- (3) Involving Speeding5145499470
- (4) Involving a Rollover109110115110124
- (5) Involving a Roadway Departure185208185231207
- (6) Involving an Intersection (or Intersection Related)788510211385
Total Fatalities (All Crashes)317322320402330

Next, the five-year trend for the TOP 10 counties in Iowa. These counties have some of the highest fatality rates in Iowa.

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

Speeding is a huge factor in fatality rates. The faster the vehicle is moving, the harder the impact!

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

Alcohol-impaired driving also contributes to fatality rates. This is why Iowa has strict penalties in place to prevent drunk driving. Below, you can see the yearly drunk driving deaths in each 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

A sobering part of drunk driving is that many teenagers participate in it. The good news is that in Iowa, the average number of underage drinking and driving deaths is only 0.8 deaths per 100,000 people.

In comparison, the U.S. state average is 1.2 deaths per 100,000 people. Still, Iowa has work to do in tackling underage drinking and driving, as Iowa ranked 20th in the U.S. for the number of underage alcohol-impaired arrests.

In 2016, Iowa law enforcement arrested 71 underage drivers for drinking and driving.

That’s quite a few teenagers driving drunk! Inexperience and alcohol quickly result in disaster, which is why it’s so important to lead by example and NEVER drive impaired.

– EMS Response Time

Accidents are everyone’s worst nightmare. If an accident happens to you and you are injured, help is a must. That’s why we’ve listed Iowa’s EMS response times, so you can feel confident help is on its way.

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

We rely heavily on transportation to get us to where we need to go, from riding the bus to driving our own car. In Iowa, the average person owns between two to three cars for transportation. That’s a lot of cars on the road!

Iowa Car Ownership

How much time do you spend commuting to work each day? In Iowa, the average person spends 18 minutes driving to work. This number is actually below the national average of 25.3 minutes!

Iowa Commute Time

Alright, we’ve covered how many cars people own and commute time, but now we are going to glance at HOW people commute. As you can see from the below table, driving alone is by far the most popular option.

Iowa Commute Type

Finally, let’s discuss how much time the average Iowa resident spends in traffic. The good news is that NONE of Iowa’s cities made into on INRIX’s Global Traffic Scorecard, which lists the worst cities for traffic congestion worldwide.

Since Iowans spend only 18 minutes on average commuting, it seems that they are not spending exorbitant amounts of time sitting in traffic.

Whew! You’ve reached the end of this comprehensive guide, and you are now ready to drive through Iowa’s beautiful state. Start comparing car insurance rates today by entering your zip code below in our FREE online tool!

References:
  1. https://www.nolo.com/legal-encyclopedia/iowa-car-insurance-laws.html
  2. https://www.dmv.org/ia-iowa/car-insurance.php
  3. https://iowadot.gov/mvd/driverslicense/dlmanual/section4.pdf
  4. https://www.naic.org/
  5. https://www.statista.com/statistics/675174/combined-loss-ratio-top-car-insurance-companies-usa/
  6. https://www.autoinsurance.org/man-vs-woman-car-insurance/
  7. https://www.jdpower.com/business/press-releases/jd-power-2018-us-auto-insurance-study
  8. https://eapps.naic.org/cis/help.do#complaints_state
  9. https://www.experian.com/blogs/ask-experian/state-of-credit/
  10. https://www.iii.org/article/background-on-insurance-fraud
  11. https://casetext.com/statute/code-of-iowa/title-xiii-commerce-ch-505-554d/chapter-507b-insurance-trade-practices/507b4a-duty-to-respond-to-inquiries-and-prompt-payment-of-claim
  12. https://www.drivinglaws.org/resources/iowa-reckless-driving-laws-and-penalties.htm
  13. https://www.drivinglaws.org/resources/iowas-vehicular-homicide-laws-and-penalties.htm
  14. https://law.justia.com/codes/iowa/2016/title-viii/chapter-321/section-321.302/
  15. https://iowadot.gov/rules
  16. https://iowadot.gov/mvd/paid-rideshare#474891723-information-for-drivers
  17. https://www.iihs.org/iihs/topics/laws/driving-automation
  18. https://www.responsibility.org/alcohol-statistics/state-map/state/iowa/
  19. https://www.responsibility.org/alcohol-statistics/state-map/state/iowa/issue/marijuana-drug-impaired-driving-laws/
  20. http://iowacrimelawyer.com/news/what-you-need-to-know-about-marijuana-po/
  21. https://www.healthline.com/health/how-long-does-weed-stay-in-your-system
  22. https://cdan.nhtsa.gov/STSI.htm
  23. https://www.responsibility.org/wp-content/uploads/2018/02/2016-Under-21-Alcohol-Impaired-Driving-Fatalities-Per-100000-Population-by-State.pdf
  24. http://inrix.com/scorecard/?

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