Cheap Car Insurance in Iowa
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Iowa Car Insurance Minimums
Iowa requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$20,000
Bodily Injury (per accident)
$40,000
Property Damage
$15,000
At-fault (tort) state.
Source: Iowa Code § 516A.1; Iowa Code § 321A.21, verified 2026-09-01.
What drives car insurance rates in Iowa
Average spend per insured vehicle, 2023
$873
Iowa drivers spent $873 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
70.3¢
Auto insurers in Iowa paid 70.3 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
1.05
Iowa recorded 356 traffic deaths in 2024, 1.05 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
117.3
Iowa reported 3,800 motor vehicle thefts in 2025, 117.3 per 100,000 residents, from 135.1 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#27
FEMA ranks Iowa #27 of 51 for expected annual loss from natural hazards; flood accounts for 40% of that loss, and comprehensive coverage is what pays for flood damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in Iowa
The ten insurer groups that wrote the most auto premium in Iowa in 2025, with their share of the state total of $2.7 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | Progressive Group | 26.01% | $689 million |
| 2 | State Farm Group | 21.01% | $557 million |
| 3 | Iowa Farm Bureau Group | 7.39% | $196 million |
| 4 | American Family Insurance Group | 4.93% | $131 million |
| 5 | Nationwide Corp Group | 4.35% | $115 million |
| 6 | Auto Owners Group | 4.22% | $112 million |
| 7 | Allstate Insurance Group | 3.9% | $103 million |
| 8 | Grinnell Mutual Group | 3.77% | $100 million |
| 9 | Berkshire Hathaway Group | 3.5% | $93 million |
| 10 | West Bend Insurance Group | 2.8% | $74 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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