Iowa
Auto Insurance Coverages
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.
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Coverage
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State Requirements
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Most Common
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Bodily Injury Liability
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20,000/40,000
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100,000/300,000
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Property Damage Liability
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15,000
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100,000
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Uninsured Motorist Bodily Injury
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Not required
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100,000/300,000
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Medical Payments
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Not required
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5,000
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Collision
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Not required
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500 deductible
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Comprehensive
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Not required
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250 deductible
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Underinsured Motorist Bodily Injury
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Not required
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100,000/300,000
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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.
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Insurance Institute for Highway Safety Rating
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Fair
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Minimum Entry Age
(Optimal: 16)
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14
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Extended Learner Period
(Optimal: at least 6 months)
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Has optimal provision
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Parent Certification
(Optimal: 30 hours minimal)
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Has the provision
but it is not optimal
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Night Restriction
(Optimal: 9 or 10 p.m.)
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Has the provision
but it is not optimal
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Passenger Restriction
(Optimal: only 1 non-family member)
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Has no provision
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Minimum Exit Age
(Optimal: 18)
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17
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Download a Parent-Teen Driving agreement (PDF format) and start talking to your teen driver about safe driving habits. Get more information and learn about teen driving research, facts, tips, driving laws, and teen driving programs.
Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.
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.