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Iowa Insurance Information

Iowa was named after the Ioway Indians that inhabited the area before it was settled by Europeans. Before the Louisiana Purchase, of which it was part of, Iowa was a colony in the New France area. Land in the state was prime for growing crops, especially corn. Even today Iowa produces the majority of the nation's food. In 1838, Iowa was named an official territory of the United States. Later in 1846, Iowa officially became the 29th state in the USA. During the Civil War, this Midwestern state supported the Union and sent large amounts of food and soldiers on their behalf. There were never any battles related to the Civil War in Iowa, but there were several battles between the Native American tribes and settlers. Iowa's population declined after the 1980s when there was a severe recession in agricultural business.

Des Moines is the capital city of Iowa, which was named the safest state to live in. One of the most important things for residents of this state to have is a good Iowa auto insurance policy. There are few body shops and auto repair shops, so the price of fixing any problem is fairly expensive. Another factor influencing most insurance claims has to do with the main route that runs through Iowa - Interstate 80. This interstate is used heavily by semi trucks and large vehicles, as well as travelers in cars. In many parts of the state, there are hazards on the poorly-kept roads. Trucks that lose freight, blow tires and lose parts are one of the leading causes of damages to other vehicles while driving. Sometimes it is impossible to avoid hitting obstacles in the road. Weather is another factor that plays a part on vehicle damage.

Summer storms bring hail and tornadoes, so a good hail coverage policy will be essential. Winter months see snow and ice, which make accidents 50% more likely to happen. Living in Iowa certainly has economic benefits, but don't skip the benefit of having a good Iowa car insurance policy. Our goal is to help you find the best possible policy for your needs by giving you a free Iowa car insurance quote. To save you the time and hassle of researching each company, we have compiled a database of the best providers in your area - and the best prices. Simply select your area of residence from the drop-down menu for a free Iowa auto insurance quote - and enjoy driving again with peace of mind with a reliable car insurance provider that will protect you.

Iowa Population Data At-a-Glance

3,062,309 total population
38 average citizen age
97 males per 100 females
2 number of cities with > 100,000 residents
Des Moines largest city in the state

Vital Iowa Insurance Facts

Having a strong knowledge of Iowa insurance facts can prove invaluable when buying new car insurance or simply comparing your policy to others. Ensuring you are covered sufficiently will give you peace of mind while driving.

Average Annual Iowa Insurance Premium Payment

$988

About $82.33/Month. Iowa ranks as the 47th most expensive state for car insurance in the United States

Is This an At-Fault or No-Fault State?

No-Fault

State Minimum Coverage Requirement

20/40/15

Injury Liability Per Person / Injury Liability Per Accident / Property Damage
*Units in Thousands of Dollars

Estimated Uninsured Population (%)

11%

Or About 336,854 Uninsured Drivers in the State of Iowa

IA Licensing Rules & Regulations

In order to comply with current licensing standards in Iowa, you should be aware of the renewal frequency put in place. Driving on an expired license can cause you unnecessary grief. Be sure to stay up-to-date on the latest standards for your specific locality.

Learner's Permit

14 Years

Unrestricted License

17 Years

Renewal Frequency

5 Years

Safety Requirements, Handheld Devices in Iowa

It is in your best interest to adhere to the safety regulations the authorities in Iowa have put in place. Not only will you save time and money, you will protect yourself and other drivers at the same time. Remembering to wear a seatbelt and refraining from using a handheld device will decreased your chances of getting into an accident.

Seatbelt Offenses

Primary

Motorcycle Helmets

No Law

Handhelds Banned?

No

Text-Messaging Banned?

Yes

Iowa Impaired Driving Laws

There is little tolerance towards Iowa drivers who operate a vehicle under the influence. DUI penalties continue to become harsher as time passes, so it is vital to be compliant when driving. To avoid a penalty, make sure you understand the laws and regulations for the state of Iowa.

Under 21 Limit

0.02%

Individual Limit

0.08%

Extreme Limit

0.15%

Financial Penalty Estimate

$1,000-$0

Minimum License Suspension

30 Days

Maximum Jail Sentence

365 Days

SR-22 Required?

Yes

Open Container Law

Both