McKayla Girardin, Car Insurance Writer
Yes, you do need car insurance in Iowa. Drivers in Iowa need at least bodily injury liability, and property damage liability insurance for a minimum coverage policy, and it’s a good idea to also consider optional types of coverage to ensure you’re fully protected in the event of an accident.
Car insurance in Iowa costs an average of $27 per month for a minimum coverage policy and an average of $111 monthly for full coverage.
Types of Car Insurance Required in Iowa
- Bodily injury liability insurance of at least $20,000 per person and $40,000 per accident. Bodily injury liability insurance pays for the medical expenses of other drivers in accidents you cause. It can cover things like hospital fees, loss of income, pain and suffering, and funeral costs.
- Property damage liability of at least $15,000. Property damage liability insurance pays for other drivers' property damage in accidents you cause. It can cover things like vehicle repairs or damage to stationary objects like houses or fences.
Monthly Cost of Car Insurance in Iowa
Premiums are representative of a 45-year-old good driver with a minimum coverage policy.
Iowa is similar to the majority of states in that it requires all drivers to have at least a certain amount of car insurance. Virginia and New Hampshire, on the other hand, are the only states that do not require drivers to carry traditional auto insurance.
To learn more, check out WalletHub’s guides to how much insurance you need and the penalties for driving without insurance.
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