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iowa car insurance

Despite all the cornfields, we've got a bird's-eye view of car insurance in Iowa (and things look pretty great from here). Whether you live in Des Moines or Sioux City, we're confident all residents of the Hawkeye State will benefit from our affordable car insurance rates, simple online policy management, and 24/7 customer service.

When you get a free quote for Iowa car insurance, you'll get immediate access to our innovative online tools that make the insurance process easier to understand and hassle-free. Plus, every Esurance policy is built to save residents of your state time and money (and that looks great from every point of view).

Iowa car insurance discounts from Esurance

Here's a sampling of some of our money-saving discounts on your Iowa auto policy:

  • Multi-Car discount
  • Homeowners discount
  • Paid-in-Full discount
  • Good Student discount
  • DriveSense™ discount
  • Switch & Save® discount
  • Claim-Free discount

Esurance Renters Plus® discount in Iowa*

Add renters coverage to your car insurance policy and you could qualify for our Renters Plus discount. It's a simple way to protect your car and your stuff on one policy and save.

Already have an Esurance policy? Give us a call at 1-800-ESURANCE (1-800-378-7262) if you have questions about your discounts (some exclusions may apply).

Driver requirements in Iowa

Iowa does not require all drivers to carry insurance. Instead, the state's Financial and Safety Responsibility Act requires that drivers prove financial responsibility after a car accident.

One good way to prove financial responsibility is by having liability coverage on a car insurance policy. Alternatively, drivers can:

  • Agree to pay the other's expenses in an installment plan
  • Post cash, a cashier's check, a certified check, a bank draft, or a money order to the Office of Driver Services
  • Get releases from the other parties involved
  • File evidence of a damage settlement
  • Have a court issue a civil damage action excusing you from liability

Drivers who are unable to prove financial responsibility face an automatic suspension of license and registration. They may also be required to submit an SR-22 form certifying their active liability coverage before driving privileges are reinstated.

Iowa's car insurance authority: Iowa Insurance Consumer Advocate

Car insurance basics in Iowa

If the state requires you to submit an SR-22 through your insurer, you'll be required to carry liability coverage with at least the following limits:

  • $20,000 bodily injury coverage per person
  • $40,000 bodily injury coverage per incident
  • $15,000 property damage coverage per incident

These limits are often written as 20/40/15.

How fault works in Iowa

Iowa practices the tort, or fault-based, system. This means you can sue an at-fault driver for accident-related expenses (and vice versa).

If you're found at fault, your liability coverage can help pay for others' expenses. If another driver caused the accident, you can seek a settlement through that driver's insurer.

Electronic proof of insurance in Iowa

Hawkeye State motorists can pull up their car insurance ID cards on their smartphones as legitimate proof of coverage in Iowa. Plus, if you're covered by Esurance, you can save your ID cards to your device so they're available offline, too, all using our useful mobile app.

More auto insurance options in Iowa

In addition to the basic liability coverages, you can add any of the following coverages to round out your policy:

  • Medical payment coverage
  • Comprehensive coverage
  • Collision coverage
  • CarMatch Rental Coverage®
  • Towing and labor coverage
  • Customized parts and equipment coverage
  • Loan/lease gap coverage

Esurance-approved repair shops in Iowa

The Esurance E-star® network features RepairView®, which lets you monitor your repairs online and receive guaranteed repairs for as long as you own your car.

Find an E-star shop near you.

How your Iowa car insurance rate may be determined

Iowa car insurers often consider the following factors when setting premiums:

  • Driving record and claims history
  • Marital status, age, and gender
  • ZIP Code where your car is parked
  • Vehicle type and its primary use
  • Prior insurance coverage

Related links

Esurance Coverage Counselor®
Get personalized coverage options based on your input.

Iowa Insurance Consumer Advocate
The official authority on all things Iowa insurance.

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or call 1-800-378-7262