Short answer: car insurance in Iowa depends on your ZIP code, coverage level and driver/home profile. Iowa's state minimum car insurance is 20/40/15. Compare free quotes from licensed partners in ~2 minutes. The average annual car insurance premium in Iowa is about $869 (NAIC, 2023); your exact rate depends on coverage and profile.
Updated August 2026
Iowa car insurance basicsIowa is an
at-fault (tort) state for auto insurance. Minimum car insurance in Iowa:
20/40/15 — $20k bodily injury/person, $40k/accident, $15k property damage. Statewide average premium:
~$869/yr (NAIC, 2023).
Verify with the state insurance department →
Cities in Iowa
Iowa car insurance FAQ
How much is car insurance in Iowa?
The average annual car insurance premium in Iowa is about $869 (NAIC, 2023); your rate varies by city, ZIP, coverage and profile. Compare free quotes from licensed partners.
How do I get cheap car insurance in Iowa?
Compare multiple carriers, bundle policies, and check local Iowa discounts. Get free quotes in a couple of minutes.
Also compare home insurance in Iowa →