Enter your ZIP code:

Iowa Car Insurance

At InsureMe, we recognize the challenge of finding Iowa car insurance in today's aggressive market. 

So we're going to do the shopping for you. By entering your information to the right, we will send you up to five free quotes for Iowa car insurance—allowing you to compare prices and ultimately save!



What You Need to Know before Purchasing Iowa Car Insurance


The state of Iowa differs from many states in that it does not have a compulsory insurance law. This means that Iowa motorists are not required to carry Iowa car insurance to protect them from damages stemming from auto accidents.

However, if you decide not to purchase Iowa car insurance, you will need to show another form of financial responsibility.

The Motor Vehicle Financial Responsibility Law

The Financial and Safety Responsibility Act protects you from financially unstable drivers by forcing motorists to provide proof of financial responsibility. If you do not wish to carry Iowa car insurance, you will need to provide proof that you have unlimited resources at your fingertips to cover damages arising from an accident.  However, if you are stopped by an officer and do not carry proof of Iowa car insurance, you may still be subject to a monetary fine.

For those with a lot of money at their disposal, driving uninsured may not be a large risk to take. But many people can't come up with that type of cash following an accident. For those individuals, Iowa car insurance is the only way to provide proof of financial responsibility.

Requirements for Iowa Car Insurance

Under Iowa law, motorists that choose to provide proof of financial responsibility with Iowa car insurance must be covered for liability and property damage. The lowest amount of coverage allowed is commonly referred to as 20/40/15. This means that you must carry $20,000 for bodily injury per person, $40,000 for bodily injury per accident and $15,000 for property damage per accident.

Keep in mind that these are the minimum amounts allowed for Iowa car insurance, and that they may not be enough to cover damages if you are responsible for a serious accident. It is for that reason that you may want to consider purchasing higher amounts of Iowa car insurance.

Elective Coverage

While liability and property damage are the only forms of coverage required by the State of Iowa, there are other forms of coverage you can add to your Iowa car insurance policy to increase your protection.

Collision coverage can be added to your policy to cover damage to your car resulting from a collision with another car. However, if you have taken out a loan to purchase your car, your lender may require you to add this coverage to your Iowa car insurance for the duration of the loan.

Comprehensive coverage covers non-accident related damage. Those damages would include hail, flood, fire, theft and vandalism.

Other services such as rental and towing coverage may also be available. Be sure to ask your Iowa car insurance agent if these coverages can be added to your policy.

Saving Money

Discounts are the most popular way to save money on Iowa car insurance. Be sure to ask your agent about the following to put cash back in your pocket:

  • Insuring Multiple Cars—insuring one or more cars with the same Iowa car insurance company may be cheaper than insuring them separately.
  • Continuing Education—if you take a driver's safety course, you will likely be rewarded for your efforts with a discount on Iowa car insurance
  • Good Student Reward—if your student driver maintains at least a "B" average, you may be eligible for a discount.
  • Safety and Security Reward—automatic seatbelts, airbags, anti-lock brakes and anti-theft devices decrease the risk of injury and theft. If your car has any of these features, you may be eligible for a discount.

Remember to be forward about this information so it is not overlooked when your agent figures your quote for Iowa car insurance!

Find Iowa Car Insurance Today!

Just enter your information and receive up to five free quotes from InsureMe. Finding Iowa car insurance has never been easier!


Free Car Insurance Quotes!  
Free Home Insurance Quotes!  
Free Health Insurance Quotes!  
Free Life Insurance Quotes!  
List of Articles
No. Subject Author Views
102 Wyoming Car Insurance youcomparequotes 10913
101 Wyoming Auto Insurance youcomparequotes 10810
100 Wisconsin Car Insurance youcomparequotes 10435
99 Wisconsin Auto Insurance youcomparequotes 10518
98 West Virginia Car Insurance youcomparequotes 11436
97 West Virgina Auto Insurance youcomparequotes 10382
96 Washington, D.C. Car Insurance youcomparequotes 12036
95 Washington, D.C. Auto Insurance youcomparequotes 11065
94 Washington Car Insurance Quotes youcomparequotes 11546
93 Washington Auto Insurance Quotes youcomparequotes 11210
92 Virginia Car Insurance youcomparequotes 10877
91 Virginia Auto Insurance Quotes youcomparequotes 10890
90 Vermont Car Insurance youcomparequotes 13125
89 Vermont Auto Insurance youcomparequotes 10162
88 Utah Car Insurance youcomparequotes 10821
87 Utah Auto Insurance youcomparequotes 10625
86 Texas Car Insurance Quotes youcomparequotes 10848
85 Texas Auto Insurance Quotes youcomparequotes 10846
84 Tennessee Car Insurance youcomparequotes 10455
83 Tennessee Auto Insurance youcomparequotes 11029
82 South Dakota Car Insurance youcomparequotes 10691
81 South Dakota Auto Insurance youcomparequotes 9967
80 South Carolina Car Insurance youcomparequotes 10886
79 South Carolina Auto Insurance youcomparequotes 10763
78 Rhode Island Car Insurance youcomparequotes 10239
77 Rhode Island Auto Insurance youcomparequotes 10612
76 Pennsylvania Car Insurance Quotes youcomparequotes 10941
75 Pennsylvania Auto Insurance Quotes youcomparequotes 11442
74 Oregon Car Insurance Quotes youcomparequotes 11097
73 Oregon Auto Insurance Quotes youcomparequotes 10752
72 Oklahoma Car Insurance youcomparequotes 10800
71 Oklahoma Auto Insurance youcomparequotes 10771
70 Ohio Car Insurance Quotes youcomparequotes 10502
69 Ohio Auto Insurance Quotes youcomparequotes 10427
68 North Dakota Car Insurance youcomparequotes 10508
67 North Dakota Auto Insurance youcomparequotes 10904
66 North Carolina Car Insurance youcomparequotes 14210
65 North Carolina Auto Insurance youcomparequotes 11192
64 New York Car Insurance Quotes youcomparequotes 10426
63 New York Auto Insurance Quotes youcomparequotes 11407
62 New Mexico Car Insurance youcomparequotes 9882
61 New Mexico Auto Insurance youcomparequotes 10001
60 New Jersey Car Insurance youcomparequotes 10230
59 New Jersey Auto Insurance youcomparequotes 10369
58 New Hampshire Car Insurance youcomparequotes 11281
57 New Hampshire Auto Insurance youcomparequotes 10894
56 Nevada Car Insurance youcomparequotes 10604
55 Nevada Auto Insurance youcomparequotes 10637
54 Nebraska Car Insurance youcomparequotes 10298
53 Nebraska Auto Insurance youcomparequotes 11263
52 Montana Car Insurance youcomparequotes 10323
51 Montana Auto Insurance youcomparequotes 10465
50 Missouri Car Insurance youcomparequotes 10623
49 Missouri Auto Insurance youcomparequotes 10521
48 Mississippi Car Insurance youcomparequotes 10933
47 Mississippi Auto Insurance youcomparequotes 10840
46 Minnesota Car Insurance Quotes youcomparequotes 11069
45 Minnesota Auto Insurance Quotes and Information youcomparequotes 11174
44 Michigan Car Insurance youcomparequotes 10257
43 Michigan Auto Insurance youcomparequotes 9987
42 Massachusetts Works to Install Competitive Auto Insurance Market youcomparequotes 17296
41 Massachusetts Auto Insurance Reform youcomparequotes 11074
40 Maryland Car Insurance youcomparequotes 11280
39 Maryland Auto Insurance youcomparequotes 11298
38 Maine Auto Insurance youcomparequotes 10948
37 Louisiana Car Insurance youcomparequotes 11247
36 Louisiana Auto Insurance youcomparequotes 10596
35 Kentucky Car Insurance youcomparequotes 10697
34 Kentucky Auto Insurance youcomparequotes 10414
33 Kansas Car Insurance youcomparequotes 10238
32 Kansas Auto Insurance youcomparequotes 10668
» Iowa Car Insurance youcomparequotes 10530
30 Iowa Auto Insurance youcomparequotes 10545
29 Indiana Car Insurance youcomparequotes 10498
28 Indiana Auto Insurance youcomparequotes 10463
27 Illinois Car Insurance youcomparequotes 10480
26 Illinois Auto Insurance youcomparequotes 10126
25 Idaho Car Insurance youcomparequotes 10349
24 Idaho Auto Insurance youcomparequotes 10434
23 Hawaii Car Insurance youcomparequotes 10781
22 Hawaii Auto Insurance youcomparequotes 10868
21 Georgia Car Insurance youcomparequotes 10088
20 Georgia Auto Insurance Quotes youcomparequotes 10982
19 Florida Car Insurance Quotes youcomparequotes 12482
18 Florida Auto Insurance Quotes youcomparequotes 10423
17 Find Maine Car Insurance youcomparequotes 10390
16 Delaware Car Insurance youcomparequotes 10681
15 Delaware Auto Insurance youcomparequotes 10559
14 Connecticut Car Insurance youcomparequotes 10476
13 Connecticut Auto Insurance youcomparequotes 10303
12 Colorado Car Insurance Quotes youcomparequotes 10487
11 Colorado Auto Insurance youcomparequotes 10040
10 California Car Insurance Quotes youcomparequotes 10983
9 California Auto Insurance Quotes youcomparequotes 11125
8 Arkansas Car Insurance youcomparequotes 11330
7 Arkansas Auto Insurance youcomparequotes 10660
6 Arizona Car Insurance Quotes youcomparequotes 10614
5 Arizona Auto Insurance youcomparequotes 11049
4 Alaska Car Insurance youcomparequotes 10799
3 Alaska Auto Insurance youcomparequotes 11589
2 Alabama Car Insurance youcomparequotes 10268
1 Alabama Auto Insurance youcomparequotes 10771
XE Login