Car insurance is required by law in Iowa, protecting both you and other drivers from the financial fallout of accidents. Iowa’s diverse driving environment creates unique challenges that make having the right coverage essential. Consider these factors: 

• Severe Weather Risks: From icy winter roads to heavy spring thunderstorms, Iowa’s climate significantly increases the likelihood of weather-related accidents. 
• Agricultural Traffic: Rural highways often share the road with slow-moving farm equipment, which can lead to unexpected collisions. 
• Urban and Suburban Congestion: Crowded streets in metropolitan areas like Sioux City and Iowa City present a higher risk for fender benders and more serious accidents. 
• Wildlife Collisions: With much of Iowa covered in farmland and forests, deer and other wildlife frequently crossroads, resulting in a high potential for vehicle damage. 

Iowa is an “at-fault state” which means the driver responsible for an accident is liable for covering damages. To comply with state law, Iowa drivers must carry the following minimum coverage: 

• Bodily Injury Liability: Coverage for others’ medical costs when you’re at fault. Minimum limits are $20,000 per person and $40,000 per accident. 
• Property Damage Liability: Coverage for others’ vehicles or property when you’re at fault. Minimum requirement of $15,000 per accident. 
• Uninsured/Underinsured Motorist (UM/UIM) Coverage: Coverage for your injuries if the other party doesn't have sufficient insurance. 
  •  Added to standard policies. If you want to remove it from your policy, it must be rejected in writing. 

While these minimums meet legal requirements, they only protect the other party if you are determined to be at fault. To ensure full protection, consider additional coverage options. 

Minimum or basic auto insurance policies don’t include your own vehicle. This means if you want to have your insurance take care of your vehicle, you’ll need to add coverage to your policy. Some common add-ons include: 

• Collision Coverage: Helps pay for damages to your vehicle caused by a covered accident based on your deductible. 
• Comprehensive Coverage: Helps pay for non-collision damages to your vehicle caused by a covered accident based on your deductible. 
• Roadside Assistance: Helps pay for the cost of towing your vehicle if it cannot be driven due to an accident or breakdown. 
• Rental Car Reimbursement: Helps pay for the cost of a rental car while your vehicle is being repaired after a covered accident. 
• Increase Liability Limits: Some drivers see the benefit of increasing their liability limits to avoid costly out-of-pocket expenses if they’re found to be at fault. 
• Medical Payments Coverage (MedPay): Helps with medical expenses for you and your passengers after an accident. 

Some drivers may find themselves in more specific situations, such as usage-based coverage or if they have a modified car. Goosehead Insurance works with you to build a customized car insurance policy for Iowa drivers, so it’s best to be thorough when working with our agents. 

What Iowa drivers pay for car insurance varies based on several factors, including: 

• Driving Record: Safe driving habits help keep premiums low, while accidents and violations can raise rates. 
• Type of Vehicle: Newer, more expensive models often cost more to insure than older or standard vehicles. 
• Location: Urban drivers in cities like Des Moines may face higher rates, while those in rural areas often pay less. 
• Annual Mileage: High-mileage drivers are exposed to greater risks, leading to increased premiums. 
• Age and Experience: Young or inexperienced drivers typically pay higher rates compared to older drivers with clean records. 

In addition to these factors, car insurance premiums for Iowa vary depending on the level of coverage the auto insurance policy covers. For a policy that meets the state minimum, Iowa drivers pay an average of about $300 annually. For policies that have more coverage, Iowa drivers may pay an average of $2,000 annually. 

At Goosehead Insurance, we’re dedicated to helping Iowa drivers save money without compromising coverage. Here’s how: 

• Bundle Policies: Combine your home, renters, or other insurance policies with your auto insurance for additional savings. 
• Maintain a Clean Record: Staying accident- and violation-free keeps your premiums competitive. 
• Take Advantage of Discounts: Many insurers reward drivers for safe driving, installing anti-theft devices, or completing defensive driving courses. 

Goosehead Insurance makes finding the right car insurance Iowa drivers need straightforward and stress-free. Here’s why Iowa drivers choose us: 

• Access to Leading Providers: We work with top-rated carriers to ensure you receive competitive rates and coverage options. 
• Tailored Policies: Our agents create policies that account for your specific driving habits, budget, and coverage needs. 
• Exceptional Expertise: With our in-depth knowledge of Iowa-specific risks, you can feel confident your policy is designed for your situation. 
• Outstanding Support: From policy set up to filing claims, we provide personalized service every step of the way.