Iowa has some of the lowest car insurance premiums in the U.S., largely due to low population density and minimal congestion. Despite this, rural driving risks like deer strikes and seasonal weather pose coverage challenges. A modest uninsured driver rate and short commute times also help stabilize rates.
Iowa Auto Insurance Facts
Drivers
- ~2.2–2.3 million licensed drivers as of 2023.
- Over 93% of Iowa households own a vehicle.
- Majority of vehicles are personal-use pickups and sedans.
- Rural drivers often commute long distances for work.
- Uninsured motorist rate around 11%.
Accidents
| Year |
Reported Crashes |
Injury Crashes |
Fatal Crashes |
| 2018
| ~55,700
| ~17,800
| 319
|
| 2019
| ~57,200
| ~18,100
| 337
|
| 2020
| ~49,800
| ~15,400
| 343
|
| 2021
| ~54,300
| ~16,900
| 354
|
| 2022
| ~56,000
| ~17,500
| 376
|
Laws & Regulations
- Tort-based liability system.
- Uninsured and underinsured motorist coverage optional.
- No-fault laws not in effect.
