How do you choose the car insurance that is right for you when there are so many companies offering auto insurance in Iowa? Whether you live in Des Moines, Cedar Rapids, Mason City or Buffalo Center, Allstate offers a wide selection of auto insurance policies, optional insurance coverages and other insurance products just for Iowa. And when your auto insurance needs change, your local Allstate agent will help you make the right choices. If you have a teen driver, there are some additional considerations your local Allstate agent can help you with. Refer to the IA's Graduated Driver Licensing chart below for more information.

For more information on this state, visit the Iowa State Information or Iowa State Catastrophe page.

Iowa Auto Insurance Coverage Scale

Allstate can help you decide how much auto insurance coverage is right for you. Each state, including Iowa, has different minimum required auto insurance coverage levels, as shown in the chart below. Use this chart to learn more about Iowa's required coverage levels and the most common car insurance coverages.


	Coverage		State Requirements	Most Common

	Bodily Injury Liability		20,000/40,000	100,000/300,000

	Property Damage Liability		15,000	100,000

	Uninsured Motorist Bodily Injury		Not required	100,000/300,000

	Medical Payments		Not required	5,000

	Collision		Not required	500 deductible

	Comprehensive		Not required	250 deductible

	Underinsured Motorist Bodily Injury		Not required	100,000/300,000

Iowa Graduated Driver Licensing

Help protect your teen driver by reviewing the Iowa Graduated Driver Licensing (GDL) laws. The GDL laws are one of the few things that have been proven to save teen lives. You and your teen should become familiar with these laws and should use them to form guidelines and rules for your teen driver.


	Minimum Entry Age (Optimal: 16)			14
	Minimum Entry Age (Optimal: 16)			14

	Extended Learner Period (Optimal: at least 6 months)			Has optimal provision

	Parent Certification (Optimal: 30 hours minimal)			Has the provision but it is not optimal

	Night Restriction (Optimal: 9 or 10 p.m.)			Has the provision but it is not optimal

	Passenger Restriction (Optimal: No teenager passengers or only one-family excepted)			Has no provision

	Minimum exit age/ Minimum age at which restrictions are lifted (Optimal: 18)			17

Get more information and learn about teen driving research, facts, tips, driving laws, and teen driving programs.

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Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Illinois, Kansas, Minnesota, Missouri, Nebraska, South Dakota

Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in Iowa. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.

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Auto Insurance Coverages

Iowa Auto Insurance Coverage Scale

Iowa Graduated Driver Licensing

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