Iowa Car Insurance Quotes

The State of Iowa has its flag patterned after the traditional French tricolor, since it was part of the Louisiana Purchase. The Hawkeye State is part of the all-important corn belt providing many important crops for the world’s food supply. The Iowa Department of Transportation requires you to maintain “financial responsibility,” which may or may not include car insurance.

Iowa Motto: “Our Liberties We Prize & Our Rights We Will Maintain”

Iowa’s east (Mississippi) and west (Missouri) borders are entirely formed by rivers. Iowa’s natural vegetation is tall-grass prairie and savanna. Much of the state is devoted to farming providing an estimated 19% of the corn and 30% of the hogs for the United States (as of 2008). The State of Iowa has one of the most open car insurance policies in the nation.

Minimum Iowa Insurance Coverage

The State of Iowa requires you to be able to prove you are financial responsibility in the event of an accident. The State of Iowa requires you to carry the “proof of ability to respond to liability” arising from an accident. You have the freedom to choose how this “financial responsibility” is demonstrated: automobile insurance, posting a bond with the Office of Driver Services, getting a legal release, being found not liable or setting up an installment plan for payment. Here are the minimums required for Iowa vehicle insurance:

  • $20,000 for bodily injury or death of one person
  • $40,000 for bodily injury or death per accident
  • $15,000 for property damage or destruction

Select Your County Below to Start the Insurance Quote Process:

Adair County
Adams County
Allamakee County
Appanoose County
Audubon County
Benton County
Black Hawk County
Boone County
Bremer County
Buchanan County
Buena Vista County
Butler County
Calhoun County
Carroll County
Cass County
Cedar County
Cerro Gordo County
Cherokee County
Chickasaw County
Clarke County
Clay County
Clayton County
Clinton County
Crawford County
Dallas County
Davis County
Decatur County
Delaware County
Des Moines County
Dickinson County
Dubuque County
Emmet County
Fayette County
Floyd County
Franklin County
Fremont County
Greene County
Grundy County
Guthrie County
Hamilton County
Hancock County
Hardin County
Harrison County
Henry County
Howard County
Humboldt County
Ida County
Iowa County
Jackson County
Jasper County
Jefferson County
Johnson County
Jones County
Keokuk County
Kossuth County
Lee County
Linn County
Louisa County
Lucas County
Lyon County
Madison County
Mahaska County
Marion County
Marshall County
Mills County
Mitchell County
Monona County
Monroe County
Montgomery County
Muscatine County
O'Brien County
Osceola County
Page County
Palo Alto County
Plymouth County
Pocahontas County
Polk County
Pottawattamie County
Poweshiek County
Ringgold County
Sac County
Scott County
Shelby County
Sioux County
Story County
Tama County
Taylor County
Union County
Van Buren County
Wapello County
Warren County
Washington County
Wayne County
Webster County
Winnebago County
Winneshiek County
Woodbury County
Worth County
Wright County

Penalties for Non-Compliance

The State of Iowa has very loose auto insurance requirements only requiring you to prove you are financial responsible to pay for any liability after an accident. If you do not demonstrate financial responsibility, then you could be penalized. The penalties are detailed under the “Iowa Code Title VIII Subtitle 1 and Iowa Code Title XVI Subtitle 2
321.20B Proof of security against liability — driving without liability.”

The first offense could lead to a fine of $250, community service, warnings, citation or removal of license plates and registration. The State of Iowa might even impound your vehicle if you are found not to have adequate insurance. Iowa uninsured motorists rank 32nd worst in the nation.

Iowa: “Farmland of America”

Iowa farmland is very important for feeding the world. If you don’t want to be pulled over for not having adequate financial responsibility, then fill out the form above for a free quote.