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Better rates for better drivers in Iowa

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Fair and affordable car insurance in Iowa

From Cedar Rapids to Sioux City and Des Moines to Davenport, good drivers in Iowa can get the cheap car insurance rates they deserve. In fact, good drivers could save hundreds. Download our easy-to-use app and see if your good driving can save you money on quality coverage.

How it works

Auto insurance rates are traditionally based on your demographics—think age, marital status, and ZIP code. But Root is a different kind of insurance company. We base rates primarily on how you drive, not who you are. It’s the fair way to price car insurance.

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Visit the App Store or Google Play. Sign up in less than a minute.

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Drive around

We use your smartphone to measure your driving behavior. Better driving = more savings.

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You can customize and purchase your policy, all in the Root app.

State requirements in Iowa

What are the minimum auto insurance requirements in Iowa?

To meet Iowa’s minimum requirements for auto insurance, you must carry Liability coverage and Uninsured/Underinsured Motorist coverage (which can be declined in writing).

Liability coverage

Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your family members (that’s what Personal Injury Protection and Medical Pay coverages are for). It also doesn’t cover your vehicle, but Collision and Comprehensive coverages do—these additional coverages can help you avoid major expenses in the event of an accident.

Minimum required Liability coverage in Iowa: 

  • $20,000 Bodily Injury (per person)

  • $40,000 Bodily Injury (per accident – multiple people injured)

  • $15,000 Property Damage

Remember you can select higher limits if you’d like more coverage.

Uninsured/Underinsured Motorist Coverage (UM/UIM)

UM/UIM is another required coverage. This insurance pays for the damages, losses, and injuries you suffer if you’re in an accident caused by a driver who doesn’t have car insurance. It also covers you if you’re in an accident with a driver whose car insurance is insufficient or is considered underinsured.

Car insurance companies are required to offer this coverage as part of your policy. You can reject this coverage in writing and still be in compliance with car insurance laws.

Minimum required Uninsured/Underinsured Motorist coverage in Iowa:

  • $20,000 Bodily Injury (per person)

  • $40,000 Bodily Injury (per accident – multiple people injured)

Again, you can always opt for higher limits if you want more coverage.

What is SR-22 insurance?

SR-22 insurance is a liability document for high-risk insurance policies. It’s proof of responsibility and a guarantee that you’ll be insured for a certain period of time. If you decide to cancel your coverage or it lapses for any reason, your insurance company is required to notify the Iowa DOT’s Office of Driver Services. You can easily request an SR-22 in the Root app.

What other coverages does Root offer?

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Collision

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Rental Car coverage

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Personal Injury Protection

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Medical Payments

(MedPay)

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Comprehensive

(including glass coverage)

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Roadside Assistance

(included with every Root policy)

What is the average cost of car insurance in Iowa?

The average Iowan pays $1123 [1] per year for their auto policy, but many people pay much more. Bad drivers often drive up prices for good drivers, but Root doesn’t insure bad drivers, so our customers could save up to $900 a year—all while enjoying fair and simple car insurance.

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Get an auto insurance quote based primarily on how you drive. You could save hundreds.

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References

  1. Insure.com. Annual average rates were compiled in April 2020

Additional Resources

Car insurance FAQCar insurance coverageRenters insuranceHomeowners insuranceClaimsTest driveReferralsAffiliatesContact

Root Insurance Company

80 E. Rich Street

Suite 500

Columbus, OH 43215

Copyright ROOT 2020. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between September 2018 - August 2019; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit joinroot.com/califaq for more information.