Liability Car Insurance in Iowa
Numbers refreshed
Iowa's cheapest legal policy: what you pay and what it doesn't cover.
- $36.the monthly average for liability coverage.
- 20/40/15.the minimum limits for liability.
- 44th of 51.the most expensive state (1st = highest).
Liability pricing in Iowa
In Iowa, liability-only car insurance averages $427 a year, or about $36 a month. For liability coverage, the state ranks 47th in cost.
| Coverage in Iowa | Per year | Per month |
|---|---|---|
| Liability | $427 | $36 |
| Collision | $339 | $28 |
| Comprehensive | $367 | $31 |
| Full coverage (all three) | $1,133 | $94 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
What you're still paying with the minimum
In Iowa, at least 20/40/15 liability coverage is required. The required amounts are $20,000 for each injured person, $40,000 for everyone injured in one crash and $15,000 when other people's property is damaged.
Liability coverage pays other people. You pay for fixes to your own car unless you add collision.
Any amount beyond your limits in a crash can be claimed from you. Raising your limits usually costs far less than the extra protection it buys.
More car insurance information for Iowa
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