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Iowa Car Insurance Resources

Iowa Car Insurance

Car Insurance Rates in IA

^ From 2006 to 2010, Iowa cities had the 49th highest auto insurance rates in the nation. [2]

Car Insurance in IA by City

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Cars Insured in IA

^ Iowa ranked 30th of all U.S. states in total auto insurance policies in 2011. [1]

IA Car Insurance

Car Insurance in Iowa

Car Insurance Liability Requirements in Iowa

  • Minimum Liability Limits in IA: 20/40/15 [4]
    • 20  Required coverage up to $20,000 for one individual injured in an accident
    • 40  Required coverage up to $40,000 for all persons injured in an accident
    • 15  Required coverage up to $15,000 for property damage in an accident
    • Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.

Required Car Insurance Coverage in Iowa

Required Car Insurance Coverage in Iowa
  • Auto Insurance Coverage Requirements in IA [4]
    • Bodily injury liability coverage
    • Property damage liability coverage

Car Insurance Verification Laws in Iowa

  • Insurer Verification of Auto Insurance in IA [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.

Iowa Car Insurance Facts, Estimates & Related Laws

Iowa Car Insurance Facts

Iowa Car Insurance Facts, Estimates & Related Laws
  • Average Car Insurance Rates in IA
    • Iowa had the 49th highest auto insurance rates in the nation in 2010. [2]
    • Rates in IA ranked 49th in the nation in 2009. [2]
    • In 2008, IA had the 49th highest rates in the country. [2]
  • Number of Auto Insurance Policies in IA
    • Iowa ranked 30th in the nation in auto insurance policies in 2011 with a total of 2,412,396. [1]
  • Uninsured Motorist Rate in IA
    • The uninsured motorist rate in IA ranked 29th in the nation in 2009. [3]

Iowa Distracted Driving Laws

  • Hand-held phone ban? No
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to learner's permit and intermediate license holders. [7]
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Primary enforcement in effect for learner's permit and intermediate license holders. Secondary enforcement in effect for texting. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense.
    • Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.

Iowa Automotive Laws

  • Safety Belt Laws in IA
    • Safety belt laws have been in place since 1986 and apply to drivers/passengers 18+ years in front seat. [7]
    • Child restraint law in place for younger than 1 year and less than 20 pounds in a rear-facing child seat; 1 through 5 years. [7]
  • Motorcycle Helmet Laws in IA
    • No law in place.. [7]
  • Driver's License Renewal Cycle in IA
    • Renewal cycle: 5 years [7]

Iowa Auto & Driver Facts

Iowa Automotive Facts

Iowa Auto & Driver Facts
  • Speed Limits in IA
    • Rural interstates: 70 mph [7]
    • Urban interstates: 55 mph [7]
    • Other roads: 55 mph [7]
  • Motor Fuel Consumption in IA
    • Iowa cities collectively ranked 28th in the nation in total motor fuel consumption in 2011. [9]

Iowa Licensed Drivers

  • Licensed Drivers in IA [10]
    • Total Drivers: 2,191,715
    • Female: 1,111,216
    • Male: 1,080,499
    • IA has the 30th most drivers in the U.S.
  • Minimum Driving Age in IA [5]
    • Iowa has a minimum driving age of 14 years.

Iowa Auto Registrations

  • Auto Registrations in IA [8]
    • Registered Cars: 1,645,916
    • Registered Trucks: 1,667,446
    • Registered Motorcycles: 174,263
    • Total Registrations: 3,496,576
    • Rank: Iowa ranked 27th in the United States in total auto registrations in 2011.

Additional information about Iowa

About Iowa

Iowa has a population of approximately 3,046,355, which ranks 30th in the U.S. among all states. [6]

IA Car Insurance

More about Iowa auto insurance

For more information about auto insurance in IA, or for additional resources regarding Iowa car insurance, visit the Iowa Department of Insurance.

Did you know?

Novice drivers are prohibited from the use of all cell phones in 37 states and the District of Columbia.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Insurance Institute for Highway Safety (IIHS)

6. ^ United States Census Bureau

7. ^ IIHS & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ U.S. Department of Transportation

10. ^ Federal Highway Administration

Iowa Cities