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Home Insurance and Car Insurance in Iowa

If it’s your first time shopping for insurance in the Hawkeye State, you might have questions about the types of coverage available to protect your home and vehicle. Buying each of these forms of protection is a necessity for Iowans. Whether you’re trying to find insurance to replace an existing policy at a better price or looking for more protection for your personal property, SelectQuote can help.
When you shop for home and auto insurance coverage with SelectQuote, we compare rates from different companies across the state to help find you the best deal. Because home and auto insurance costs can vary between carriers, it’s always a good idea to bundle your insurance policies together to achieve maximum savings.
Read on to learn more about the different types of home and car insurance available to Iowa residents and how SelectQuote can help you find the right plan at the right price.

Table of Contents

Homeowners Insurance in Iowa

Home insurance is a must-have for Iowa homeowners. Because dwellings in the Hawkeye State can see all kinds of hazards ranging from floods and fires to thunderstorms and heavy winds, it’s important to ensure your investment in your home is protected in the event of a loss.
The cost of home insurance in Iowa can vary based on many circumstances, but according to some analyses, the cost averages out to $1,790 per year.1 When compared to the overall national average of $1,820, Iowans can expect to pay less than residents of other states for their home insurance.
Home insurance customers in Iowa have plenty of options for coverage, but the two main types of coverage2 you should be familiar with are:
  • Replacement cost: This type of insurance will pay the cost to repair or replace damaged property without deducting any amount for depreciation.
  • Actual cash value: This coverage will pay out the depreciated cost to repair or replace damaged property.
Replacement cost insurance coverage is generally more popular than actual cash value coverage because it is often more expensive to repair or replace property, largely due to differences in material or labor costs from when the original property was purchased or built.
No matter which type of coverage you choose, your prices will vary based on several factors, including your deductible, coverage limits, additional riders or covered hazards, and more.
State Page - Iowa - Section 3 - Content - Image - Content - Image

Homeowners Insurance Coverage Options in Iowa

Outside of cash value or replacement cost limits, most standard Iowa home insurance policies usually include the following types of insurance coverage:
  • Dwelling coverage is a standard policy that covers your home’s actual physical structure, including any attached garages.
  • Other structures coverage protects detached structures, such as pole barns or sheds.
  • Personal property coverage works to cover household belongings. If it’s inside or outside your home, it’s covered.
  • Loss of use coverage helps pay the costs of a hotel stay or other lodging if your house is rendered uninhabitable by a covered loss.
  • Guest medical protection coverage pays for medical bills for those who are injured on your property, regardless of who was at fault.

Common Causes of Loss in Iowa

It’s important to ensure that your home insurance policy covers some of the most common causes of home insurance claims. Otherwise, you may not have adequate protection when you need it. Some of the most common causes of loss in the Hawkeye State include the following:
  • Wind and hail damage
  • Fire and lightning damage
  • Theft
  • Water damage
  • Property damage

Additional Coverage Options Recommended for Iowa Homeowners

Carefully read your Iowa home insurance policy for any coverage gaps or exclusions. Depending on which part of the state you call home, you may find that certain coverages either cost more or require you to purchase separate policies. Some additional coverage you may consider purchasing includes:
  • Flood insurance coverage: Most homeowner's policies do not include flood insurance, but that doesn’t mean you don’t need it. Purchasing additional flood insurance, either through your current carrier or through FEMA’s National Flood Insurance Plan (NFIP) options, can save you a lot of headaches if you suffer losses due to flooding.
  • Wind and hail coverage: Wind and hail coverage can help protect your home in the event of heavy wind storms, like tornadoes, and offset damage costs due to hail. 
  • Water backup coverage: This coverage can pay for any losses you incur due to backed-up drains or sewer lines.
  • Seepage and leakage coverage: This coverage helps pay for damage due to slow leaks or seepage from foundation cracks.

Our Home Insurance Companies in Iowa

SelectQuote only works with highly rated insurance carriers in Iowa and every other state. What makes an insurance company a good fit? Excellent customer service, financial stability, and policies that actually protect what you want them to. Our partner home and auto insurance companies offer competitive rates for home insurance, whether you buy other policies with them or not.

What is the average home insurance cost in Iowa?

The average home insurance policy for SelectQuote customers in Iowa is $121.52,+ but that number includes a lot of variables. Your home insurance rates will depend largely on your coverage limits, any additional insurance you purchase, and your deductible. It also might change based on any applicable discounts you’re eligible for.

Homeowners Insurance Discounts in Iowa

Many insurance carriers offer discounts for customers in Iowa. Insurance carriers can discount your coverage for several different reasons, including:
  • Customer loyalty
  • New home purchase
  • Home security system installation
  • Credit history
  • Claims history

Bundle Your Home and Auto Insurance to Save Money

One of the best ways to save money on your home and auto insurance coverage is to bundle them together with one carrier. When you bundle your home and auto coverage with SelectQuote, you can save nearly $700 each year. In addition, bundling helps simplify your bills and other claims.

Average Home and Auto Insurance Rates in Iowa

Want to know how much you can save on coverage each month? Consider the following rates from actual SelectQuote customers in some of the biggest Iowa markets we serve.
CityAvg. Monthly Home Insurance RateAvg. Monthly Auto Insurance RateAvg. Monthly Rate of Bundled Policies
Bettendorf$88.54$96.83$132.62
Cedar Rapids$88.42$121.96$199.17
Council Bluffs$151.89$173.09$315.40
Davenport$96.40$137.61$199.73
Des Moines$112.51$130.18$315.19
Average monthly rates are from effective SelectQuote customer policies between 4/1/2022 and 3/31/2023.
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Car Insurance in Iowa

Much like home insurance, auto insurance is an important means of protection for Iowa residents. It can protect against losses related to car repairs or replacement, medical payments, and other property damage.
Car insurance isn’t just a “nice to have” for Iowans. It’s a legal requirement to operate a vehicle. Because Iowa requires you to carry a specific amount of minimum legal coverage, you need to know exactly what kind of insurance to buy to protect you and your vehicle.

Iowa Auto Insurance Laws and Requirements

Iowa requires all drivers to be able to show financial responsibility for damage due to car accidents they have caused. This type of insurance is known as minimum liability coverage, but it’s not the only type of car insurance you can purchase in Iowa. It’s one of several types of auto insurance coverage, including:
  • Liability insurance pays for damages you cause in an accident where you’re at fault. It can also pay for the other driver's or passengers' medical bills. Iowa requires all drivers to have $20,000 of bodily injury coverage per person in any one accident and a maximum of $40,000 per two or more people. You must also carry $15,000 worth of property damage liability insurance. Many people purchase more than the minimum legal coverage.
  • Uninsured/underinsured motorist coverage is not a requirement in Iowa, but every carrier must offer it. It helps pay for injuries or damages to you or your vehicle if you’re involved in an accident with someone who isn’t adequately insured.
  • Personal injury protection insurance pays for costs related to the injury or death of passengers in your car in the event of an accident.
  • Collision coverage pays for damages to your vehicle that are caused as a result of a collision with another vehicle or object. If you’re leasing or financing a vehicle, your lender typically requires this coverage.
  • Comprehensive coverage pays for repairs or replacement of your vehicle if it’s damaged due to events that aren’t covered by collision coverage. It includes things like theft, vandalism, fire, natural disasters, falling objects, animals, and riots. It can also help pay for glass damage. Most lenders require it as a condition of vehicle financing.
  • Gap insurance pays the difference between what your car is currently worth and what you currently owe. It’s often a requirement for leasing or financing a vehicle.
Types of Coverage
Minimum State Requires
Bodily Injury Liability
$20,000 per person, $40,000 per accident
Property Damage Liability
$15,000 per accident
Uninsured Motorist
Not required
Underinsured Motorist
Not required
Personal Injury Protection
Not required
Collision
Not required
Comprehensive
Not required
Gap InsuranceNot required

Iowa Teen Driving Laws

Like many other states, Iowa requires its teen drivers to obtain a graduated driver’s license (GDL). This helps Iowa teens learn the rules of the road and gain experience responsibly. To obtain this license before they turn 18, Iowa teens must:
  • Obtain an instruction permit, which is available once they turn 14. They must also pass the knowledge and vision test.
    • Iowa teens who show six months of good driving are eligible for a minor school license, which allows them to drive to and from school while unsupervised.
  • Obtain an intermediate license at age 16 and complete 20 hours of supervised driving, including two hours between sunset and sunrise.
  • Graduate to a full license at age 17 based on a clean driving record.
In addition to the graduated license requirements, Iowa teens are subject to specific prohibitions on driving with underaged passengers unless supervised by an adult. They must also abstain from cell phone use while in the vehicle.

Iowa Car Registration Information

Registering a vehicle in Iowa is fairly straightforward. You must take the following documents to your county treasurer’s office:
  • Current ownership documents
  • Completed application for Iowa certificate of title
  • A bill of sale

Our Auto Insurance Companies in Iowa

SelectQuote partners with some of the most reliable, trusted car insurance companies in Iowa to deliver coverage at competitive rates. Whether you’re shopping for coverage for a new vehicle or simply want to get a better rate on your existing car insurance, we compare rates to find you the best possible price.

Home and Auto Insurance Frequently Asked Questions

As SelectQuote helps Iowans find affordable home and auto insurance, we get a lot of questions. Read on to learn the answers to some of the most frequent inquiries we receive about insurance requirements in the state.

What are some common car accident laws in Iowa?

In Iowa, there are several laws that apply to car accidents. Firstly, drivers are required to have certain minimum amounts of liability insurance coverage. These include $15,000 for property damage per accident and $20,000 for bodily injury and death per person, with a total of $40,000 for total bodily injury or death if multiple people are injured in the accident.
Unlike some states, Iowa operates under a "fault" system when it comes to car accidents. This means that the driver who is found to be at fault for the accident is responsible for any harm caused. The general rule for determining fault is that you have to yield to the driver to your right.3
Iowa law also requires drivers involved in an accident that results in any injury or death to contact the sheriff of the county in which the accident occurred.4 In addition, drivers involved in a car accident have an obligation to stop at the scene and exchange information with the other driver.5
Iowa Code section 614.1 sets the statute of limitations that will apply to almost all lawsuits over car accident injuries. This law gives you two years to ask the court for a remedy after an accident.6
As long as you aren't the more at-fault party, Iowa has very few restrictions on car accident compensation. There are no caps on damage amounts.7
Please note that this information is a general summary of common car accident laws in Iowa and is not intended to provide legal advice. Always consult with a professional for advice specific to your situation.

Do I need mobile home insurance in Iowa?

Most insurance companies will not cover a mobile home with a standard home insurance policy. In this situation, you’ll need a mobile home-specific policy. Mobile homes are subject to a higher risk of wind damage and other losses due to the way they’re constructed.

Do I need flood insurance in Iowa?

Your mortgage lender may require you to purchase flood insurance as a condition of your home loan, especially if you live in an area that is prone to flooding.

Is Iowa a no-fault state for car insurance?

Iowa is a “fault” state for car accidents, which means the person at fault for the accident is responsible for any harm caused by the collision or accident.

SelectQuote Can Shop Iowa Home or Auto Insurance to Save You Time and Money

Buying a home and auto policy in Iowa shouldn’t have to be complicated, which is why SelectQuote makes it as simple as possible. We compare rates from dozens of insurance companies at once to help find you the right fit. If you’re looking for a better rate on your existing car and home policies or buying insurance for the first time, let us help you shop for coverage. We’ll save you time and money as we look for the right bundled coverage for your needs.
We do the shopping. You do the saving.
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