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You could save over $700 on auto insurance when you switch to Liberty Mutual¹

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Buying auto insurance in Iowa

Need car insurance in Iowa? Whether you live by the Cedar Rapids or Des Moines, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Iowa auto insurance, so you only pay for what you need.

Iowa drivers could save money with these auto insurance discounts

Switch to Liberty Mutual for car insurance and you could save over $700¹

Online Purchase Discount

Buy your policy online and save. It's that simple.²

Learn more about Savings

Bundle and Save

Convenience and savings — need we say more? Combine your policies and get a discount.²

Learn about Bundle and Save Discounts and more

RightTrack^®

Get rewarded for your good driving behavior by saving up to 30% on your policy.³

Save with our safe driver program

Those are just a few of the ways we can help lower your car insurance costs.

View all car insurance discounts

Iowa minimum car insurance requirements (20/40/15)

It's illegal to drive without car insurance in Iowa. To drive legally, you need to have at least the following coverage amounts and minimums in Iowa.⁴

Coverage	Amount
Bodily Injury to others Coverage	$20,000 per person and $40,000 per accident
Property Damage Liability Coverage	$15,000 per accident

See the Iowa Insurance Division for official coverage requirements and details.

What liability insurance is required in Iowa?

Iowa law requires you to have liability car insurance. This coverage protects others if you cause bodily harm or property damage to them. It's important to know this coverage doesn't cover you, your car, or your personal belongings.

Drivers must have a car insurance policy with the minimum coverages of

Bodily Injury Liability: $20,000 per person and $40,000 per accident
Property Damage Liability: $15,000 per accident

You may see this written as 20/40/15.

Remember, this is only the minimum Liability Coverage required by law. You may want to think about increasing your limits for more financial protection. You should also consider other types of coverage that can give you even more protection.

Is Iowa a no-fault insurance state?

No, Iowa is not a no-fault insurance state. This means a driver that causes an accident is also responsible for paying for the damage.

Although many drivers have insurance to help cover these costs, some don't. These drivers can be either underinsured or uninsured. Due to this, Iowa drivers may want to consider additional coverages

These coverages can help cover you if you're in an accident with an underinsured or uninsured driver. While these are optional coverages, it's recommended to have them. In Iowa, drivers must opt out of these coverages in writing when buying a car insurance policy.

Average car insurance cost in Iowa, 2026

According to 2026 data, the average cost of “full” coverage car insurance in Iowa is about $1,788 per year.

Iowa drivers often pay more, or less, depending on their coverages, car, age, driving record, and where they live.

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Who offers cheap insurance in Iowa?

Finding the cheapest car insurance in Iowa may sound great, but a low-cost policy may not pay out when you need it.

You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.

A Liberty Mutual auto insurance policy can cost less than you think.⁵