get an iowa car insurance quote from esurance

Or speak with a licensed agent at 1-800-378-7262.

Bundle your Iowa auto insurance with Esurance home insurance to score our Multi-Policy discount.*

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 stand to benefit from our affordable car insurance rates, simple online policy management, and 24/7 claims service.

When you get a personalized 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, all Esurance technology is built to save residents of your state time and money, enabling you to make smart decisions.

 "Best of Service"

"The customer staff are very caring. They answer questions promptly and have helped in all my inquiries."

— Linda K.

 "Great coverage!"

"Beat all other pricing while not making me sacrifice my personalized coverage."

— Douglas F.

See more Esurance reviews.

iowa car insurance discounts from esurance

Here's a sampling of some of our money-saving discounts available for your Iowa auto policy. See if you qualify when you get your quote:

esurance renters plus® discount in iowa**

Add renters coverage to your auto 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:

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, or if you choose to carry liability coverage for added financial protection, you'll be required to carry at least the following limits:

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

Plus, Esurance's CoverageMyWay® can help you prioritize coverage options to your life. You can see it in action when you get your free quote online.

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:

6 ways to save on gas and improve your fuel economy
Pay less at the pump with these helpful pointers.

The dangers of winter driving
Learn more about the hazards you face in cold-weather conditions.

Wonder if you could be saving on car insurance?

Get your free quote online.

Or call 1-800-378-7262.

More about car insurance