Iowa Auto Insurance

From Iowa Auto Insurance Laws & Requirements to Iowa DUI Laws, from Iowa Teen Driver Laws to Iowa Auto Insurance Rate Estimates, from Iowa Auto Theft Statistics to Iowa Auto Insurance Rate Trends, trying to find all the information you need can be daunting. The good news is that if you're a Iowa driver, the facts you want are right here.
Iowa Auto Insurance Laws, Minimums, Requirements
What mandatory auto insurance laws exist in the state of Iowa?
Iowa DUI Laws
In the state of Iowa, if you get caught drinking and driving you face multiple fines and stiff penalties. All DUI or “Operating Under the Influence (OWI)” convictions in the state carry jail time, license suspension, and court ordered substance abuse treatment. The state of Iowa wants to reduce the number of fatal traffic accidents on its roads by preventing people from drinking and driving. To help decrease the number of fatal alcohol-related car crashes from 142 (2007) down to zero, state of Iowa DUI laws are strictly enforced for first offenses and enhanced for multiple offendses.
Iowa (IA) Teen Auto Insurance Laws, Rates & Requirements
Male teen drivers currently represent the highest risk group of drivers on the roads today. Female teen drivers are the second highest risk group. Each year, more than 400,000 teen drivers are involved in car crashes and more than 5,000 are fatal. The state of Iowa believes that a combination of inexperience and overconfidence are the leading causes of fatal car crashes in the state. Iowa also points its finger at technology, such as mobile communication devices, MP3 players, text messaging, and sensor technology.
Iowa Insurance Division
330 Maple Street
Des Moines, Iowa 50319
Phone: 515.281.5705

Iowa Auto Insurance Rate Trends

Knowing auto insurance rates, average monthly premiums, and rate trends for Iowa makes you an informed consumer. We've compiled recent auto insurance quotes so that you can see Iowa's average monthly premiums and rate trends by month, and compare those to the national averages. Check out our chart of monthly premiums, and our table of rate increases and rate decreases, and get the info you need to make an educated decision about how much you pay for auto insurance.
National Average
IA Avg. Monthly Premiums
$175
$150
$125
$100
$115
$151
$114
$150
$119
$149
$117
$151
$111
$152
$114
$152
$107
$153
JulJunMayAprMarFebJan

IA Premium$ Change% ChangeNational Avg$ Change% Change
Jul$115$10.9%$151$10.7%
Jun$114$54.2%$150$21.3%
May$119$21.7%$149$21.3%
Apr$117$65.4%$151$10.7%
Mar$111$32.6%$152$00.0
Feb$114$76.5%$152$21.3%
Jan$107$32.9%$153$21.3%
Data as of 2009. Source: Insurance.com

Top Ten Stolen Cars in Iowa

1. 1995 Ford F150
2. 1999 Chevrolet C/K 1500 Pickup (full size)
3. 1995 Pontiac Grand Am
4. 2000 Chevrolet Cavalier
5. 1993 Oldsmobile Cutlass
6. 1997 Chevrolet Blazer
7. 1991 Chevrolet Lumina
8. 1994 Ford Taurus
9. 1998 Dodge Ram Pickup
10. 1994 Pontiac Grand Prix

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