Find out how much you can save on Iowa car insurance.

Download the app. Take a test drive around the Hawkeye State. Get a free quote.

Why choose Root for your Iowa insurance policy?

Iowa is known for a long line of brilliant inventions, like the bread-slicing machine and the trampoline. While Root Insurance wasn’t invented in Iowa, we’re still proud to honor that spirit of innovation by bringing a new, better kind of car insurance to the Hawkeye State. With Root, great drivers save up to 52% on car insurance. And that’s the best thing since sliced—well, you know.

What makes Root different from traditional insurers in Iowa?

We base rates primarily on how you actually drive, not just on some statistical profile of your age, credit score, marital status, and ZIP code.

Here’s how it works:

  1. Download the free Root app and breeze through a simple signup.
  2. Drive normally for 2-3 weeks. During that test drive, your smartphone gathers driving data and sends it to us to crunch the numbers (it knows if you’re a driver or passenger—don’t worry). We run that data through our machine learning algorithm to determine your customized rate.
  3. Get your free quote and customize your policy, all within the app. And because we don’t insure high-risk drivers, good drivers save up to 52%.

Root is disrupting the broken insurance industry by bringing fairness and ease to customers across the Hawkeye State.

It’s a good time to be a good driver in Iowa.

Since Iowa is an electronic proof of insurance state, you’ll always have legal, hassle-free proof of coverage on hand through the Root app on your phone. Root’s competitive quotes and simple app prove that car insurance can be easy and affordable for the state’s best drivers—from Des Moines to Sioux City, Cedar Rapids to Davenport, and all points between (we’re looking at you, Iowa City).

The worst 30% of drivers
cause nearly 45% of all accident costs1
Bad drivers cause nearly 45% of all accident costs

What are the minimum car insurance requirements in Iowa?

Unlike most states, Iowa does not have a mandatory insurance requirement. However, you are required to prove financial responsibility in the event of an accident. For most drivers, auto insurance is the best way to make sure you’re covered. To meet Iowa’s minimum requirements for auto insurance, you must carry liability insurance and uninsured/underinsured motorist protection (which can be declined in writing). If you’re unable to prove financial responsibility in the event of an accident, you can face fines.

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 Medical Payments and Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do). These additional coverages can help you avoid serious expenses in the event of a major accident.

Minimum required liability coverage in IA:

  • $20,000 Bodily Injury (per person)
  • $40,000 Bodily Injury (per accident – multiple people injured)
  • $15,000 Property Damage

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

Uninsured and Underinsured Motorist Coverage (UM/UIM)

Uninsured and underinsured motorist coverage will help pay for your expenses when you've been in a car accident with a driver who doesn’t have car insurance, or whose car insurance amounts won't adequately cover your costs. Insurance companies in Iowa are required to offer this coverage as part of your policy. However, you can reject this coverage in writing and still be in compliance with car insurance laws.

Minimum required uninsured/underinsured motorist coverage:

  • $20,000 Bodily Injury (per person)
  • $40,000 Bodily Injury (per accident – multiple people injured)

Again, you can always opt for more coverage.

When do you need to show proof of insurance?

You must show proof of insurance if you’re stopped by a police officer or involved in a car accident, or when you register your vehicle or renew your registration. Acceptable forms include:

  • An insurance ID card issued by your insurance carrier
  • Electronic version of your ID card, like the one found in the Root app on your phone

Failure to present proof of insurance to a police officer at a traffic stop may result in fines. If you’re insured with Root, you can avoid that trouble. As long as you’ve got your phone, you have legal proof through the Root app.

What other coverages does Root offer?

  • Collision
  • Comprehensive (including glass coverage)
  • Medical Payments
  • Personal Injury Protection
  • Uninsured Motorist Property Damage (UMPD)
  • Rental
  • Roadside Assistance (included in every Root policy)

Learn all about Root’s coverage options here:

Our Coverages

What are the fines and penalties if you’re caught without proof of financial responsibility?

If you’re found driving without proof of financial responsibility, you could face:

  • $250 fine
  • $500 if you’re involved in an accident, charged, and found guilty


Under certain circumstances, the state may require you to file an SR-22 with the State Drivers License Division.

An SR-22 Financial Responsibility filing, often referred to as SR-22 Insurance, is a type of proof of insurance that certifies that you will maintain your car insurance for one year. Your car insurance company must file an SR-22 for you. (Root does this for free.)

What is the average cost of car insurance in Iowa?

The average Iowan pays $1,0172per year for their auto policy, but many people pay much more—often to make up for their bad-driving counterparts. Because Root doesn’t insure high-risk drivers, Root customers save up to $100/month on average—all while enjoying fair and simple car insurance.

What our customers tell us

Root car insurance app for iPhone and Android

Choosing your car insurance coverage just got easier.

Our app makes it quick and easy to get the coverage you need. Try it and see how much you can save.

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