Iowa Auto Insurance [Rates + Cheap Coverage Guide]

Iowa requires a minimum 20/40/15 of bodily injury and property damage coverage. Average insurance rates in Des Moines are around $49.91.40/mo.

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Mathew Sims
Editor-in-Chief

Daniel Walker
Licensed Insurance Agent

UPDATED: Apr 1, 2020

It’s all about you. We want to help you make the right coverage choices.

We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Iowa Statistics Summary	Details
Annual Road Miles	114,173 Vehicle Miles Driven: 31,414 Million
Vehicles	Registered in State: 3,409,279 Total Stolen: 4,151
Population	3,156,145
Most Popular Vehicle	Silverado 1500
Uninsured Motorists	8.70% State Rank: 38th
Total Driving Fatalities	Speeding: 330 Drunk Driving: 88
Average Annual Premiums	Liability: $299.18 Collision: $219.75 Comprehensive: $183.53
Cheapest Provider	USAA

A land of rolling hills, plains, and cornfields, Iowa lies in the center of the U.S. Midwest and is considered part of America’s heartland. The Hawkeye State isn’t so “middle of the road” when it comes to car insurance, though, with plenty of options to help you drive safely through its rugged terrain.

It can take a lot of hard work to find the right car insurance. And it can be harder to find time to research it. Don’t worry! Our comprehensive guide will save you time, and it has all the information you need to make the right choice.

We’ll explore car insurance coverage, rates, providers, state laws, and much more. Want to start comparing rates today? Use our FREE online tool above to check rates in your area.

Table of Contents

Iowa Car Insurance Rates

Getting the information you need on the best insurance coverage and rates available in Iowa can be overwhelming. After all, you don’t want to pay for coverage you don’t need or that is too expensive.

We want you to know what you’re paying for, so this is your guide to major coverage types, rates, and Iowa insurance companies.

Read on to learn all about Iowa car insurance.

Iowa Minimum Auto Insurance Coverage

Though car insurance isn’t mandatory in Iowa, if you’re in an accident, according to the Motor Vehicle and Financial Safety Act, you must provide proof of financial responsibility. This proof could be your own liability insurance.

You can also provide a few other forms of financial responsibility, which we’ll cover in the next section.

Iowa is an “at-fault” state. What does this mean?

The person who caused, or is at-fault, for an accident must pay any personal injury or property claims.
If you’re insured, your provider will cover losses up to the minimum liability amount. Iowa law requires drivers to have minimum liability coverage.

Liability insurance pays everyone — drivers, passengers, pedestrians, bicyclists, etc. — who is owed money for property damage and/or injuries resulting from a car accident that you or anyone under your policy has caused. Drivers in Iowa must have the following minimum liability insurance if their licenses have been suspended or revoked:

$20,000 to pay for bodily injury per person
$40,000 to pay for total bodily injury per accident
$15,000 to pay for property damage per accident

Remember: these are only the minimum requirements. If the damages cost more, you will need to pay for them. We suggest that you buy more than the minimum liability amount of insurance for greater protection in case of an accident.

This video by the Hupy and Abraham, S.C. law firm explains Iowa insurance laws and the types of coverage you should consider buying:

Forms of Financial Responsibility

If you live in Iowa, the state law requires you to have a form of financial responsibility to prove that you have valid insurance on your car or can pay for damages in an accident. Anytime a police officer pulls you over or if you’re in an accident, you must provide proof of financial responsibility.

The following are some acceptable forms of financial responsibility to avoid having your license and registration suspended after an accident:

Valid liability insurance ID cards
Your car’s current insurance policy as proof that you had liability insurance when the accident happened
A valid insurance binder (a temporary form of car insurance)
A release form from everyone involved in the accident
A filed statement that shows you promise to cover — on an installment plan if necessary — the costs of the injured or damaged parties
A civil damage action decision that releases you from any liability
A completed warrant for confession of judgment with agreed upon payment schedule
Evidence of a settlement reached between parties
Payment of one of the following to “Driver & Identification Services” in Iowa: Cash, Certified check, Cashier’s check, Bank draft, or Postal money order

Iowa insurance laws can be confusing because a few loopholes could save you from having to prove financial responsibility at the time of an accident. According to the DMV, below are a few exceptions:

“At the time of the accident, your vehicle was legally standing, stopped, or parked.”
“Someone was driving your vehicle without your permission at the time of the accident.”
“You were the only person to incur injuries or property damage as a result of the accident.”

Wondering what to do? The best thing to do is to be prepared have proof of financial responsibility with you or on file with the DMV when you drive. Otherwise, fines and suspension of your license and car’s registration could await you.

So, to avoid penalties and confusing laws, it’s easier to have Iowa’s required car insurance.

Premiums as a Percentage of Income

In 2014, the annual per capita disposable personal income (DPI) in Iowa, after taxes have been paid, was $39,820.

The average annual cost of car insurance in Iowa is $684, which is about 1.8 percent of the average DPI.

The average Iowa resident earns $3,318 each month to buy food, pay bills, etc. Car insurance will take about $56 out of that, which is below other states’ average premiums. The national average annual insurance premium is $981 per month. The money you save could go toward groceries, rent, and other expenses.

Or, if you can and want to, you can pay a little more for coverage beyond the minimum liability amount. Make sure to shop around for the best rates.

Core Coverage in Iowa

Coverage Type	Annual Costs (2015)
Liability	$299.18
Collision	$275.28
Comprehensive	$183.53
Combined	$702.46

The above data is from one of the leading sources on the matter, the National Association of Insurance Commissioners. You can expect car insurance rates in Iowa to be significantly higher for 2019 and on.

Remember: though it is important to have the required insurance, you should have additional coverage.

Ready to learn more? Next, we’ll explore coverage options and add-ons.

Additional Liability Coverage

A loss ratio compares how much a company spends on claims to how much money they take in on premiums. A loss ratio of 60 percent indicates the company spent $60 on claims out of every $100 earned in premiums.

Loss Ratio	2013	2014	2015
Medical Payments (Med Pay)	67%	69%	79%
Uninsured/Underinsured Motorist	50%	68%	72%

The above coverages are optional in Iowa, however, they can provide valuable protection in case of an accident.

For example, if you are in an accident with uninsured or underinsured drivers and they are at fault, they likely won’t be able to pay your medical bills and property damage before going bankrupt. Extra coverage can help save you from high accident bills.

In Iowa, 8.7 percent of drivers are uninsured. Iowa ranks 38th in the nation for uninsured drivers.

This number of uninsured drivers isn’t terrible, but you don’t want to risk getting into an accident with an uninsured driver. That could drain both of you of your resources.

The top companies in the U.S. have loss ratios that range from 94-112 percent. In 2015, Iowa’s uninsured and underinsured motorist coverage was well below these optimal ratios, but has started to rise over the years to a better percentage.

Good news! MedPay loss ratios in Iowa have also increased.

So, if you’re interested in buying the recommended MedPay and uninsured or underinsured motorist coverages, you can rest assured that the loss ratios will improve.

Add-ons, Endorsements, and Riders

These are a few more options to round out your coverage policy.

Lucky you! There are lots of powerful, but cheap extras you can add.

Here’s a list of other useful coverage options available in Iowa.

Guaranteed Auto Protection (GAP)
Personal Umbrella Policy (PUP)
Rental Reimbursement
Mechanical Breakdown Insurance
Non-Owner Car Insurance
Modified Car Insurance Coverage
Classic Car Insurance
Pay-as-You-Drive or Usage-Based Insurance

Add any of the above options to your coverage for greater protection tailored to your specific needs. You can add one or several, so make sure to pick the best ones for you.

Demographic Rates in Iowa

Did you know that gender can sometimes affect car insurance rates? In Iowa, females pay more than males for car insurance even if their driving records and background are similar to that of males.

Company	Married 35-year-old Female	Married 35-year-old Male	Married 60-year-old Female	Married 60-year-old Male	Single 25-year-old Female	Single 25-year-old Male	Single 17-year-old Female	Single 17-year-old Male
Allstate F&C	$1,958.15	$1,879.95	$1,740.38	$1,771.40	$2,131.19	$2,192.58	$5,666.77	$6,380.74
American Family Mutual	$1,947.49	$1,947.49	$1,742.43	$1,742.43	$1,947.49	$2,345.27	$5,205.52	$7,296.86
Farmers Insurance Co	$1,505.56	$1,534.33	$1,348.08	$1,472.79	$2,038.46	$2,181.07	$4,551.35	$4,851.93
Geico Cas	$1,871.32	$1,677.39	$1,676.90	$1,535.68	$1,767.80	$1,635.28	$4,252.86	$3,954.88
Safeco Insurance Co America	$2,110.02	$2,290.23	$1,856.34	$2,255.89	$2,390.92	$2,636.91	$10,248.60	$11,534.94
Nationwide Agribusiness Insurance	$1,773.80	$1,821.30	$1,580.35	$1,687.66	$2,007.84	$2,184.45	$4,078.71	$5,280.35
Progressive Northern	$1,685.12	$1,622.63	$1,389.61	$1,441.50	$2,027.39	$2,192.49	$4,131.25	$4,663.86
State Farm Mutual Auto	$1,445.98	$1,445.98	$1,270.07	$1,270.07	$1,625.39	$1,851.50	$3,914.70	$4,964.07
Travelers Home & Marine Ins Co	$2,442.49	$2,492.53	$2,373.90	$2,380.26	$2,541.28	$3,002.33	$10,858.60	$17,313.68
USAA	$1,239.37	$1,253.71	$1,136.98	$1,159.77	$1,487.70	$1,643.44	$3,345.14	$3,552.75

Age also plays a part in determining rates. In general, the younger you are, the more you pay. Teenage drivers, who have less driving experience, pay thousands more for car insurance! This is why most parents place teenagers on their own insurance policies for lower rates.

Car Insurance Rates by Zip Code in Iowa

Where you live is also an important factor in your car insurance rates. Find the highest and lowest rates for car insurance by ZIP code below.

City	Zipcode	Average
COUNCIL BLUFFS	50001	$3,026.98
COUNCIL BLUFFS	50002	$3,058.59
CARTER LAKE	50003	$2,954.51
DES MOINES	50005	$2,886.15
DES MOINES	50006	$2,764.17
GLENWOOD	50007	$2,986.28
SIOUX CITY	50008	$3,041.40
DES MOINES	50009	$2,942.00
SIOUX CITY	50010	$2,661.70
SIOUX CITY	50011	$2,663.37
SIOUX CITY	50012	$2,643.57
DES MOINES	50013	$2,676.23
SIOUX CITY	50014	$2,651.87
DAVENPORT	50020	$3,100.46
DES MOINES	50021	$2,810.64
SIOUX CITY	50022	$3,103.63
CRESCENT	50023	$2,809.53
PACIFIC JUNCTION	50025	$3,016.65
SIOUX CITY	50026	$2,987.43
THURMAN	50027	$2,894.00
DES MOINES	50028	$2,896.72
SILVER CITY	50029	$3,000.30
EMERSON	50032	$2,948.37
VILLISCA	50033	$2,985.31
ELLIOTT	50034	$2,800.19
HONEY CREEK	50035	$3,040.10
DES MOINES	50036	$2,869.54
DAVENPORT	50038	$2,981.15
BEDFORD	50039	$2,910.17
DAVENPORT	50040	$2,937.13
DES MOINES	50042	$3,014.49
SIDNEY	50044	$2,909.91
HENDERSON	50046	$2,821.19
DES MOINES	50047	$3,088.68
RANDOLPH	50048	$3,087.99
PERCIVAL	50049	$3,006.45
STANTON	50050	$2,860.80
DES MOINES	50051	$2,867.21
BRADDYVILLE	50052	$3,028.19
SIOUX CITY	50054	$2,860.12
CUMBERLAND	50055	$2,863.49
COIN	50056	$2,811.20
RED OAK	50057	$2,871.36
GRAVITY	50058	$2,902.75
FARRAGUT	50059	$2,946.52
DES MOINES	50060	$3,052.48
DIAGONAL	50061	$3,048.56
COLLEGE SPRINGS	50062	$2,922.36
DES MOINES	50063	$2,927.58
MINEOLA	50064	$2,954.43
GRISWOLD	50065	$3,131.25
DES MOINES	50066	$2,936.29
NODAWAY	50067	$3,115.95
BLANCHARD	50068	$3,011.06
MASSENA	50069	$2,968.37
CORNING	50070	$3,022.63
NORTHBORO	50071	$2,832.33
TREYNOR	50072	$2,997.97
ESSEX	50073	$2,965.44
MOUNT AYR	50074	$3,142.48
MALVERN	50075	$2,886.57
HAMBURG	50076	$3,011.71
CLARINDA	50078	$2,721.11
NEW MARKET	50099	$3,070.24
HASTINGS	50101	$2,856.56
MISSOURI VALLEY	50102	$2,793.49
CARSON	50103	$3,013.33
UNDERWOOD	50104	$2,958.51
RIVERTON	50105	$2,830.10
FONTANELLE	50106	$2,909.87
HANCOCK	50107	$2,958.24
DAVENPORT	50108	$3,118.23
ELLSTON	50109	$2,970.28
DES MOINES	50110	$3,011.09
MACEDONIA	50111	$2,790.08
MC CLELLAND	50112	$2,907.26
LEON	50115	$3,052.04
YORKTOWN	50116	$2,900.60
SHENANDOAH	50117	$3,035.32
MINDEN	50118	$3,040.20
DAVIS CITY	50119	$2,829.03
CARBON	50120	$2,895.36
KELLERTON	50122	$2,762.30
DAVENPORT	50123	$3,018.17
DUBUQUE	50124	$2,854.11
NORWALK	50125	$3,020.66
TABOR	50126	$2,769.51
IMOGENE	50127	$2,890.15
RUNNELLS	50128	$2,954.35
SHARPSBURG	50129	$2,948.10
LEWIS	50130	$2,787.93
NEOLA	50131	$2,788.69
REDDING	50132	$2,824.29
GRAND RIVER	50133	$3,129.34
SHAMBAUGH	50134	$2,825.56
LORIMOR	50135	$2,849.68
DECATUR	50136	$2,951.60
LAMONI	50137	$2,891.70
MARNE	50138	$2,892.46
CLEARFIELD	50139	$3,060.01
MODALE	50140	$3,112.85
MURRAY	50141	$2,916.27
ATLANTIC	50142	$2,734.13
ORIENT	50143	$2,812.79
BENTON	50144	$3,137.92
BRIDGEWATER	50145	$3,062.16
ANITA	50146	$2,962.37
DAVENPORT	50147	$3,043.06
SHELBY	50148	$2,877.68
WESTFIELD	50149	$3,116.31
BLOCKTON	50150	$2,980.29
TINGLEY	50151	$3,040.51
PERSIA	50152	$2,926.75
LENOX	50153	$2,903.03
MILO	50154	$2,822.78
BETTENDORF	50155	$3,063.89
DUNLAP	50156	$2,941.25
WIOTA	50157	$2,919.35
CARLISLE	50158	$2,686.15
CASEY	50160	$3,042.91
TRURO	50161	$2,844.46
PROLE	50162	$2,905.18
PRESCOTT	50164	$3,082.64
MENLO	50165	$3,045.38
AVOCA	50166	$3,091.10
NEW VIRGINIA	50167	$2,949.58
VAN WERT	50168	$2,875.70
PISGAH	50169	$3,058.04
DES MOINES	50170	$2,896.77
SAINT MARYS	50171	$2,871.59
PANAMA	50173	$2,872.30
WALNUT	50174	$3,103.88
BOONE	50201	$2,803.12
DANBURY	50206	$2,795.25
GREENFIELD	50207	$2,888.60
MACKSBURG	50208	$2,790.29
DUBUQUE	50210	$3,080.78
MONDAMIN	50211	$3,128.18
LITTLE SIOUX	50212	$2,912.53
SAINT CHARLES	50213	$3,036.49
LIBERTY CENTER	50214	$2,821.62
LOGAN	50216	$2,995.82
LACONA	50217	$2,959.70
ANTHON	50218	$3,023.35
ADAIR	50219	$2,778.49
MITCHELLVILLE	50220	$2,899.15
WOODBURN	50222	$3,000.20
WOODBINE	50223	$2,919.57
WELDON	50225	$2,923.08
SMITHLAND	50226	$3,017.87
CORYDON	50227	$2,775.99
OAKLAND	50228	$2,954.11
GUTHRIE CENTER	50229	$3,086.19
ARISPE	50230	$2,772.23
OTO	50231	$2,828.75
CUMMING	50232	$2,900.63
PROMISE CITY	50233	$2,881.80
CORRECTIONVILLE	50234	$2,916.80
MILLERTON	50235	$2,949.51
MAGNOLIA	50236	$2,725.56
AFTON	50237	$3,125.89
DES MOINES	50238	$3,008.84
THAYER	50239	$2,847.97
LINEVILLE	50240	$3,062.40
MARTENSDALE	50241	$3,072.01
RODNEY	50242	$2,845.21
ALLERTON	50243	$3,035.72
EARLING	50244	$2,897.80
LUCAS	50246	$2,923.95
HARTFORD	50247	$2,809.22
BONDURANT	50248	$2,759.69
PORTSMOUTH	50249	$2,964.06
HOUGHTON	50250	$2,990.85
THOR	50251	$2,873.33
OSCEOLA	50252	$2,898.74
CLARE	50254	$3,044.11
SHELDAHL	50255	$2,954.31
HAMLIN	50256	$2,827.19
MIDDLETOWN	50257	$3,087.69
MILTON	50258	$2,802.18
SHANNON CITY	50259	$2,809.14
DUBUQUE	50261	$3,013.33
MAPLETON	50262	$3,079.63
SEYMOUR	50263	$2,942.09
CROMWELL	50264	$3,055.99
WILLIAMSON	50265	$2,898.87
DORCHESTER	50266	$2,910.73
CLIO	50268	$2,955.11
CRESTON	50269	$2,792.50
ACKWORTH	50271	$2,805.77
SPERRY	50272	$3,029.49
WINTERSET	50273	$3,025.93
DANVILLE	50274	$3,088.94
PATTERSON	50275	$3,057.28
PIERSON	50276	$2,876.99
DEXTER	50277	$2,971.75
CLIMBING HILL	50278	$2,785.76
DOUDS	50307	$3,350.71
NEW ALBIN	50308	$3,327.01
INDIANOLA	50309	$3,367.30
MOORHEAD	50310	$3,207.24
OAKVILLE	50311	$3,202.93
OLDS	50312	$3,171.48
BLENCOE	50313	$3,078.58
OXFORD JUNCTION	50314	$3,379.73
BLOOMFIELD	50315	$3,188.28
HUMESTON	50316	$3,230.43
POLK CITY	50317	$3,167.68
RICKETTS	50319	$3,262.33
ELK HORN	50320	$3,198.63
AUDUBON	50321	$3,176.34
WATERLOO	50322	$2,923.70
YARMOUTH	50323	$2,951.19
BRAYTON	50324	$2,920.56
PULASKI	50325	$2,924.45
UTE	50327	$3,044.43
COLUMBUS JUNCTION	50395	$3,141.68
VAN METER	50401	$2,782.99
GARDEN GROVE	50420	$2,806.81
CUSHING	50421	$2,852.52
FORT MADISON	50423	$2,891.51
EXIRA	50424	$2,812.02
DOW CITY	50426	$2,892.07
GRAY	50427	$2,860.37
DERBY	50428	$2,774.04
RUSSELL	50430	$2,883.27
WEVER	50431	$2,801.85
HARLAN	50432	$2,893.42
COLUMBUS CITY	50433	$2,863.86
CHARITON	50434	$2,861.16
FARMINGTON	50435	$2,892.99
SELMA	50436	$2,816.90
KIMBALLTON	50438	$2,877.07
CASTANA	50439	$2,857.80
FLORIS	50440	$2,877.18
SOLDIER	50441	$2,803.53
GARNAVILLO	50444	$2,814.54
KEOSAUQUA	50446	$2,856.13
GUTTENBERG	50447	$2,803.09
GARBER	50448	$2,837.49
MOUNT STERLING	50449	$2,854.03
BARNUM	50450	$2,818.44
CINCINNATI	50451	$2,905.18
NEW LONDON	50452	$2,814.24
BAYARD	50453	$2,828.05
PERU	50454	$2,900.50
HUMBOLDT	50455	$2,906.31
ARGYLE	50456	$2,812.78
MONTROSE	50457	$2,823.74
BURNSIDE	50458	$2,847.84
SLOAN	50459	$2,797.53
EARLHAM	50460	$2,914.59
ARTHUR	50461	$2,828.82
HORNICK	50464	$2,790.14
CHARTER OAK	50465	$2,877.94
DIXON	50466	$2,924.13
HEDRICK	50467	$2,865.63
PANORA	50468	$2,879.95
SCHLESWIG	50469	$2,827.44
EXLINE	50470	$2,860.58
ARION	50471	$2,916.60
MORNING SUN	50472	$2,875.18
DEFIANCE	50473	$2,853.67
RIDGEWAY	50475	$2,875.81
ASPINWALL	50476	$2,886.20
MARTINSBURG	50477	$2,843.73
ONAWA	50478	$2,817.25
DAKOTA CITY	50479	$2,846.30
LIBERTYVILLE	50480	$2,911.59
STUART	50481	$2,895.21
DELOIT	50482	$2,841.02
MARTELLE	50483	$2,890.90
PLEASANT VALLEY	50484	$2,880.01
CANTRIL	50501	$2,957.19
BATAVIA	50510	$2,897.35
PACKWOOD	50511	$2,920.32
MANNING	50514	$2,947.25
BAGLEY	50515	$2,962.94
CALLENDER	50516	$2,953.86
BATTLE CREEK	50517	$2,917.69
MEDIAPOLIS	50518	$3,001.69
ALLEMAN	50519	$2,958.73
KIRKMAN	50520	$2,985.80
EDGEWOOD	50521	$2,999.32
KIRON	50522	$2,930.62
BRADGATE	50523	$2,987.09
BRIGHTON	50524	$3,036.31
BEVINGTON	50525	$2,818.11
UDELL	50527	$2,961.18
CENTERVILLE	50528	$2,951.78
LONG GROVE	50529	$2,991.41
GREELEY	50530	$2,925.18
MONMOUTH	50531	$2,983.00
ODEBOLT	50532	$2,935.26
MORAVIA	50533	$2,871.17
RUTLAND	50535	$2,947.04
RINGSTED	50536	$2,966.73
DOLLIVER	50538	$2,974.68
BONAPARTE	50539	$2,954.17
DELHI	50540	$2,926.90
WHITING	50541	$2,965.63
IRWIN	50542	$2,893.51
BOONEVILLE	50543	$2,934.63
ANAMOSA	50544	$2,917.01
ELKPORT	50545	$2,947.87
ALBIA	50546	$2,921.52
DONAHUE	50548	$3,000.19
NEWHALL	50551	$2,915.22
LOVILIA	50552	$2,971.00
SPILLVILLE	50554	$2,900.48
IDA GROVE	50556	$2,919.82
WAPELLO	50557	$2,966.50
LUZERNE	50558	$2,957.89
DONNELLSON	50559	$2,931.78
MOULTON	50560	$2,893.61
CHELSEA	50561	$2,920.17
WASHTA	50562	$2,966.17
OTTOSEN	50563	$2,971.36
PILOT GROVE	50565	$2,912.25
NEW LIBERTY	50566	$2,948.03
MONTICELLO	50567	$2,941.42
SALEM	50568	$2,906.83
VINCENT	50569	$2,953.96
LETTS	50570	$2,976.57
WALL LAKE	50571	$2,950.36
KEYSTONE	50573	$2,974.25
FARNHAMVILLE	50574	$2,913.80
HOPKINTON	50575	$2,970.58
WAYLAND	50576	$2,932.39
PLOVER	50577	$2,939.81
BIRMINGHAM	50578	$2,983.40
VAIL	50579	$2,930.81
ASHTON	50581	$2,955.68
AINSWORTH	50582	$2,983.47
WALLINGFORD	50583	$2,916.79
LOCKRIDGE	50585	$2,926.33
ZWINGLE	50586	$2,939.60
AMANA	50588	$2,897.43
DENISON	50590	$2,924.21
YALE	50591	$3,038.87
HIGHLANDVILLE	50592	$2,910.72
WAUCOMA	50593	$2,961.07
MANSON	50594	$2,975.33
COLESBURG	50595	$2,795.50
KNIERIM	50597	$2,936.79
QUIMBY	50598	$2,941.34
BRONSON	50599	$2,919.37
POMEROY	50601	$2,805.24
GRANGER	50602	$2,945.25
MANCHESTER	50603	$2,954.47
FORT ATKINSON	50604	$2,872.75
MYSTIC	50605	$2,870.83
WEST POINT	50606	$2,947.22
KEOKUK	50607	$2,917.70
ATALISSA	50608	$2,827.00
CASCADE	50609	$2,885.39
MANILLA	50611	$2,858.16
UNIONVILLE	50612	$2,919.04
DELAWARE	50613	$2,816.90
LAWTON	50614	$2,818.62
FRUITLAND	50616	$2,815.47
FAIRFIELD	50619	$2,914.89
DE SOTO	50620	$2,819.00
CASTALIA	50621	$2,899.47
WALCOTT	50622	$2,948.97
MELROSE	50623	$2,845.22
HILLSBORO	50624	$2,823.06
EMMETSBURG	50625	$2,864.78
LEHIGH	50626	$2,904.83
OSSIAN	50627	$2,787.19
SAINT PAUL	50628	$2,906.77
MALLARD	50629	$2,868.95
GILMORE CITY	50630	$2,943.66
RYAN	50632	$2,861.00
ELKHART	50633	$2,837.64
HOLSTEIN	50634	$2,876.97
CENTER JUNCTION	50635	$2,841.76
MERIDEN	50636	$2,935.94
MOUNT AUBURN	50638	$2,905.31
SHERRILL	50641	$2,896.57
STRATFORD	50642	$2,929.86
CLARENCE	50643	$2,919.17
RAYMOND	50644	$2,854.69
FAIRFIELD	50645	$2,949.85
ONSLOW	50647	$2,927.73
AYRSHIRE	50648	$2,879.46
MELVIN	50649	$2,935.51
LINDEN	50650	$2,955.33
SCRANTON	50651	$2,956.79
STRAWBERRY POINT	50653	$2,952.82
VAN HORNE	50654	$2,952.61
CRAWFORDSVILLE	50655	$2,923.24
CURLEW	50657	$2,922.68
WEST CHESTER	50658	$2,936.71
VARINA	50659	$2,951.12
LAWLER	50660	$2,865.18
LADORA	50661	$2,952.63
LARRABEE	50662	$2,922.36
DECORAH	50664	$2,934.93
CONESVILLE	50665	$2,880.36
CALMAR	50666	$2,949.72
PATON	50667	$2,963.86
ELDRIDGE	50668	$2,943.18
DELTA	50669	$2,918.60
LAKE VIEW	50670	$2,909.13
STOCKPORT	50671	$2,907.16
BODE	50672	$2,795.75
GIBSON	50673	$2,834.37
STOCKTON	50674	$2,951.95
GRAND JUNCTION	50675	$2,883.13
GALVA	50676	$2,946.59
LIVERMORE	50677	$2,865.14
MATLOCK	50680	$2,918.89
DUNDEE	50681	$2,950.18
FORT DODGE	50682	$2,890.38
AKRON	50701	$2,938.95
LE CLAIRE	50702	$3,015.79
HOLY CROSS	50703	$2,948.84
VICTOR	50707	$2,862.12
LA PORTE CITY	50801	$3,027.08
SWEDESBURG	50830	$3,044.54
DRAKESVILLE	50831	$3,051.63
MORLEY	50833	$3,204.32
HARRIS	50835	$3,101.52
MOVILLE	50836	$3,096.03
SAINT DONATUS	50837	$3,100.70
PLANO	50839	$3,130.48
SERGEANT BLUFF	50840	$3,108.57
SHELLSBURG	50841	$3,161.60
ROLFE	50842	$3,029.50
BLAIRSTOWN	50843	$3,180.65
LAMONT	50845	$3,176.06
WHAT CHEER	50846	$3,143.56
STANWOOD	50848	$3,177.95
SAINT LUCAS	50849	$3,064.91
BELLE PLAINE	50851	$3,092.12
ADEL	50853	$3,161.66
ALTA VISTA	50854	$3,160.90
DANA	50857	$3,167.43
JAMAICA	50858	$3,102.66
THORNBURG	50859	$3,084.17
FENTON	50860	$3,120.54
PRAIRIE CITY	50861	$3,033.38
BRUNSVILLE	50862	$3,125.88
OTHO	50863	$3,095.98
GRAETTINGER	50864	$3,216.99
CLEGHORN	51001	$2,957.13
BADGER	51002	$2,911.97
MC CAUSLAND	51003	$2,916.24
WELTON	51004	$3,059.31
BERNARD	51005	$2,941.03
PROTIVIN	51006	$2,986.35
MARBLE ROCK	51007	$2,970.69
BALDWIN	51008	$2,954.10
OCHEYEDAN	51009	$2,912.69
ESTHERVILLE	51010	$3,005.95
NORTH WASHINGTON	51011	$2,920.26
MASONVILLE	51012	$2,942.51
WEBSTER	51014	$2,953.88
SUMNER	51015	$3,022.05
RICHLAND	51016	$3,046.49
CYLINDER	51018	$3,012.56
KESWICK	51019	$3,067.07
EARLVILLE	51020	$2,957.96
URBANDALE	51022	$2,948.78
PRINCETON	51023	$2,901.96
NEW HAMPTON	51024	$2,942.53
PALMER	51025	$2,965.37
WESTGATE	51026	$2,997.29
RUTHVEN	51027	$2,900.16
IONIA	51028	$2,948.29
SIBLEY	51029	$2,960.17
PLAINFIELD	51030	$2,968.47
GEORGE	51031	$2,884.62
MINBURN	51033	$2,930.85
MOUNT UNION	51034	$3,031.49
RIPPEY	51035	$2,938.06
DENVER	51036	$2,912.04
WATERLOO	51037	$2,964.66
GRANVILLE	51038	$2,920.00
BERWICK	51039	$2,956.49
KINGSLEY	51040	$2,991.59
HARPER	51041	$2,910.32
JEFFERSON	51044	$3,049.45
MOORLAND	51045	$2,914.56
HARDY	51046	$2,928.93
INWOOD	51047	$2,936.25
LOWDEN	51048	$3,022.70
ARMSTRONG	51049	$2,970.85
ARLINGTON	51050	$2,891.23
EARLY	51051	$3,041.75
SHELDON	51052	$2,940.41
MONTPELIER	51053	$2,938.15
TRIPOLI	51054	$2,955.85
COOPER	51055	$2,998.42
ROCK VALLEY	51056	$3,054.16
SPRINGBROOK	51058	$2,937.15
ALLISON	51060	$3,013.57
OLLIE	51061	$2,976.61
LOHRVILLE	51062	$3,098.26
ROCK RAPIDS	51063	$2,981.78
NICHOLS	51101	$3,333.89
WASHINGTON	51103	$3,355.94
FREDERICKSBURG	51104	$3,342.31
READLYN	51105	$3,350.44
WEBB	51106	$3,242.81
HINTON	51108	$3,296.59
CHEROKEE	51109	$3,260.62
WAUKEE	51111	$3,184.13
WEST LIBERTY	51201	$2,946.99
ALTOONA	51230	$2,924.56
WATKINS	51231	$2,935.56
DURANT	51232	$2,973.24
NEMAHA	51234	$2,935.44
WHITTEMORE	51235	$2,927.97
MADRID	51237	$2,949.61
LUXEMBURG	51238	$2,921.23
AURELIA	51239	$2,912.86
NORWAY	51240	$2,947.83
MOSCOW	51241	$2,921.20
BELLEVUE	51243	$2,939.31
SALIX	51244	$2,957.56
WILTON	51245	$2,922.77
RENWICK	51246	$2,944.29
SOUTH ENGLISH	51247	$2,946.24
SOMERS	51248	$2,937.26
LITTLE ROCK	51249	$2,949.77
OLIN	51250	$2,910.95
WATERLOO	51301	$2,862.56
KEOTA	51331	$2,933.85
AUBURN	51333	$2,895.57
CRESCO	51334	$2,952.65
SCHALLER	51338	$2,906.22
MARCUS	51340	$2,905.68
SANBORN	51342	$2,953.96
WINFIELD	51343	$2,916.61
SUTHERLAND	51345	$2,956.59
BOXHOLM	51346	$2,921.82
LAKE PARK	51347	$2,937.03
WEST BEND	51350	$2,962.83
NASHUA	51351	$2,919.35
DAWSON	51354	$2,952.72
PETERSON	51355	$2,929.65
GREENE	51357	$2,918.29
LANGWORTHY	51358	$2,950.04
ARCHER	51360	$2,932.35
KESLEY	51363	$2,925.71
DELMAR	51364	$2,917.57
BOYDEN	51365	$2,973.08
NORTH ENGLISH	51366	$2,942.89
DUNCOMBE	51401	$2,808.91
ORAN	51430	$2,859.02
GOWRIE	51431	$2,997.74
MOUNT PLEASANT	51432	$2,991.84
ARNOLDS PARK	51433	$2,938.48
MECHANICSVILLE	51436	$2,867.37
CHESTER	51439	$2,996.98
REMBRANDT	51440	$2,868.83
SPIRIT LAKE	51441	$2,990.73
SIGOURNEY	51442	$2,972.18
LONE ROCK	51443	$2,854.91
LOST NATION	51444	$2,873.97
LINN GROVE	51445	$2,979.60
ROCKWELL CITY	51446	$2,981.22
BURT	51447	$2,986.17
WHEATLAND	51448	$2,986.05
EPWORTH	51449	$2,915.48
HOLLAND	51450	$2,959.15
CHARLOTTE	51451	$2,865.14
PARNELL	51452	$2,835.14
OKOBOJI	51453	$2,945.19
PAULLINA	51454	$2,968.83
WYOMING	51455	$2,987.77
PEOSTA	51458	$2,983.67
FAIRFAX	51459	$2,871.93
DOON	51460	$3,016.98
JANESVILLE	51461	$2,994.49
DALLAS CENTER	51462	$2,961.86
LA MOTTE	51463	$2,867.33
WALFORD	51465	$2,973.56
FONDA	51466	$2,974.98
ATKINS	51467	$2,896.95
LUTHER	51501	$3,633.75
BURLINGTON	51503	$3,575.94
SIOUX RAPIDS	51510	$3,421.91
GOOSE LAKE	51520	$2,994.19
SUPERIOR	51521	$3,081.19
SABULA	51523	$3,019.68
DAYTON	51525	$3,145.81
MUSCATINE	51526	$3,259.16
ALVORD	51527	$2,992.35
CLIVE	51528	$3,011.38
SWEA CITY	51529	$3,089.07
WELLMAN	51530	$3,041.33
RICEVILLE	51531	$3,016.73
HAYESVILLE	51532	$3,212.72
STANHOPE	51533	$3,223.48
RANDALIA	51534	$3,356.47
LIME SPRINGS	51535	$3,168.22
URBANDALE	51536	$3,143.19
ELDON	51537	$3,006.84
MAYNARD	51540	$3,147.69
PLEASANTVILLE	51541	$3,201.16
PRIMGHAR	51542	$3,209.76
MORRISON	51543	$3,006.08
DALLAS	51544	$3,125.38
HARPERS FERRY	51545	$3,062.64
OELWEIN	51546	$3,060.38
HARTLEY	51548	$3,137.95
HAVELOCK	51549	$3,139.43
HOSPERS	51550	$3,044.57
LARCHWOOD	51551	$3,160.85
ANDREW	51552	$3,111.11
WINDSOR HEIGHTS	51553	$3,134.36
ALGONA	51554	$3,170.76
CHATSWORTH	51555	$3,146.17
GRAND MOUND	51556	$3,108.20
LYTTON	51557	$3,063.50
SPRAGUEVILLE	51558	$3,020.26
MERRILL	51559	$3,120.60
LEDYARD	51560	$3,052.09
PILOT MOUND	51561	$3,249.84
WOOLSTOCK	51562	$3,071.76
MILFORD	51563	$3,094.94
MALCOM	51564	$3,079.34
HUDSON	51565	$3,040.00
BUCKINGHAM	51566	$3,178.98
WELLSBURG	51570	$3,099.94
REINBECK	51571	$3,228.18
ROYAL	51572	$3,005.70
HARTWICK	51573	$3,192.82
AURORA	51575	$3,161.21
BANCROFT	51576	$3,145.04
TERRIL	51577	$3,071.16
HARCOURT	51579	$3,057.06
FARLEY	51601	$3,134.91
NEW VIENNA	51630	$3,166.15
RHODES	51631	$3,185.36
SAC CITY	51632	$3,149.94
GREENVILLE	51636	$3,180.34
RUDD	51637	$3,175.26
ELBERON	51638	$3,160.92
LAUREL	51639	$3,177.71
ALTON	51640	$3,158.99
LAKE CITY	51645	$3,126.40
JOLLEY	51646	$3,148.89
CLARKSVILLE	51647	$3,161.39
ORCHARD	51648	$3,193.43
OYENS	51649	$3,197.04
ELGIN	51650	$3,144.18
POCAHONTAS	51651	$3,118.12
HULL	51652	$3,202.45
CALUMET	51653	$3,127.14
OGDEN	51654	$3,239.93
MARATHON	51656	$3,136.45
ANDOVER	52001	$3,128.32
MAURICE	52002	$3,032.45
LANSING	52003	$3,063.50
ALTA	52030	$2,920.87
KIRKVILLE	52031	$2,940.63
TITONKA	52032	$2,953.63
WORTHINGTON	52033	$2,968.96
VINING	52035	$2,971.15
WATERVILLE	52036	$2,968.57
SIOUX CENTER	52037	$2,935.50
WEST DES MOINES	52038	$2,957.26
TRUESDALE	52039	$2,905.91
ORANGE CITY	52040	$2,905.22
BOUTON	52041	$2,951.46
BUSSEY	52042	$2,986.12
GILMAN	52043	$2,905.71
HOMESTEAD	52044	$2,980.84
SHELL ROCK	52045	$2,930.26
NORTH BUENA VISTA	52046	$2,916.96
FREMONT	52047	$2,887.33
POSTVILLE	52048	$3,002.27
WALKER	52049	$3,005.08
GRINNELL	52050	$2,984.28
STANLEY	52052	$3,002.35
NEWELL	52053	$2,956.98
ELMA	52054	$2,927.08
MC INTIRE	52056	$2,941.04
EVERLY	52057	$2,970.26
WEST BURLINGTON	52060	$2,868.32
DURANGO	52064	$2,893.76
ELKADER	52065	$2,916.95
FOSTORIA	52066	$2,908.47
GARRISON	52068	$2,928.11
GRUNDY CENTER	52069	$2,904.34
DYERSVILLE	52070	$2,925.51
LAKOTA	52071	$2,956.34
MELBOURNE	52072	$2,902.98
DUNKERTON	52073	$2,964.34
PRESTON	52074	$2,920.09
LYNNVILLE	52075	$2,945.92
CAMANCHE	52076	$2,961.84
SAINT OLAF	52077	$2,895.37
COON RAPIDS	52078	$2,911.04
MARQUETTE	52079	$2,972.39
HAWARDEN	52101	$2,959.90
CEDAR	52132	$2,959.72
RIVERSIDE	52133	$2,967.98
REASNOR	52134	$2,932.97
HAMILTON	52135	$2,887.34
LITTLE CEDAR	52136	$2,938.48
LAURENS	52140	$3,029.25
IRETON	52141	$2,914.22
EDDYVILLE	52142	$2,846.88
BLAKESBURG	52144	$2,970.19
CONRAD	52146	$2,922.36
PERRY	52147	$2,852.37
BRANDON	52149	$2,971.57
WEST DES MOINES	52151	$2,912.02
SWAN	52154	$2,960.34
DE WITT	52155	$2,923.85
SLATER	52156	$2,890.82
STORM LAKE	52157	$2,892.97
TAMA	52158	$2,902.69
ALBERT CITY	52159	$2,895.79
CLUTIER	52160	$3,020.83
WESTSIDE	52161	$2,966.46
MONROE	52162	$2,907.62
BAXTER	52163	$2,953.12
BRYANT	52164	$2,923.94
HAZLETON	52165	$2,991.96
QUASQUETON	52166	$2,954.92
MONONA	52168	$2,979.83
DICKENS	52169	$2,889.23
VOLGA	52170	$2,910.97
HAVERHILL	52171	$2,971.52
ROWLEY	52172	$2,890.54
TOETERVILLE	52175	$2,863.80
BARNES CITY	52201	$2,973.09
MILES	52202	$2,874.92
LU VERNE	52203	$2,972.25
CLINTON	52205	$2,980.87
GOLDFIELD	52206	$2,926.81
CRYSTAL LAKE	52207	$2,952.81
LOW MOOR	52208	$2,954.82
CALAMUS	52209	$2,955.48
AGENCY	52210	$2,899.08
FLOYD	52211	$2,868.84
MC GREGOR	52212	$2,964.85
KNOXVILLE	52213	$2,856.56
CARPENTER	52214	$2,814.04
KILLDUFF	52215	$2,976.64
BRITT	52216	$2,964.01
REMSEN	52217	$2,897.23
WESLEY	52218	$2,808.67
LUANA	52219	$2,812.71
WAUKON	52220	$2,887.60
WINTHROP	52221	$2,855.44
IRA	52222	$2,870.20
WADENA	52223	$2,981.79
VINTON	52224	$2,872.85
NEW SHARON	52225	$2,916.47
CHILLICOTHE	52227	$2,880.89
CONROY	52228	$2,928.02
CLERMONT	52229	$2,905.44
FARMERSBURG	52231	$2,948.12
ELLSWORTH	52232	$2,917.78
STACYVILLE	52233	$2,762.69
ALBION	52235	$2,844.28
BEAMAN	52236	$2,909.73
LE MARS	52237	$2,974.35
BLUE GRASS	52240	$2,719.12
CORWITH	52241	$2,598.27
TRAER	52242	$2,605.98
SOUTH AMANA	52243	$2,613.15
REDFIELD	52245	$2,699.88
ROSE HILL	52246	$2,697.81
MILLERSBURG	52247	$2,868.11
ELY	52248	$2,938.55
PARKERSBURG	52249	$2,974.69
WODEN	52251	$2,960.29
ROCKFORD	52252	$2,935.83
JESUP	52253	$2,863.00
MARENGO	52254	$2,931.77
TROY MILLS	52255	$2,947.30
TEEDS GROVE	52257	$2,977.02
RAKE	52301	$2,879.45
LISCOMB	52302	$2,771.54
GRAFTON	52305	$2,990.63
GARNER	52306	$2,933.39
WOODWARD	52307	$2,873.63
GILBERTVILLE	52308	$2,880.96
SHEFFIELD	52309	$2,983.95
MINGO	52310	$2,975.49
SAINT ANSGAR	52312	$2,956.60
ALBURNETT	52313	$2,964.41
MOUNT VERNON	52314	$2,874.39
HALBUR	52315	$2,980.31
MIDDLE AMANA	52316	$2,935.44
OTTUMWA	52317	$2,734.77
SULLY	52318	$2,940.96
DYSART	52320	$2,939.00
APLINGTON	52321	$2,963.00
MONTOUR	52322	$2,813.84
RALSTON	52323	$3,019.38
WILLIAMSBURG	52324	$2,766.77
MONTEZUMA	52325	$2,929.70
COLUMBIA	52326	$2,896.53
EAGLE GROVE	52327	$2,901.73
AREDALE	52328	$2,843.43
DEEP RIVER	52329	$2,895.35
BOONE	52330	$2,965.56
FAIRBANK	52332	$2,955.69
BROOKLYN	52333	$2,851.63
DEDHAM	52334	$2,881.96
MAQUOKETA	52335	$2,939.73
KALONA	52336	$2,849.76
BREDA	52337	$2,955.00
TEMPLETON	52338	$2,854.46
CLEMONS	52339	$2,897.41
ROCK FALLS	52340	$2,772.01
NEW HARTFORD	52341	$2,861.65
WAVERLY	52342	$2,860.21
LANESBORO	52344	$2,878.68
DUMONT	52345	$2,790.02
DOUGHERTY	52346	$2,961.83
WEST UNION	52347	$2,956.96
COLLINS	52348	$2,910.99
LISBON	52349	$2,888.75
SPENCER	52351	$2,927.02
EVANSDALE	52352	$2,907.60
TODDVILLE	52353	$2,943.79
FERTILE	52354	$2,941.91
GARWIN	52355	$2,951.96
CHURDAN	52356	$2,924.14
ROWAN	52358	$2,835.28
CHAPIN	52359	$2,961.17
TOLEDO	52361	$2,871.89
COLFAX	52362	$2,928.19
ARCADIA	52401	$2,787.66
BRISTOW	52402	$2,816.10
GOODELL	52403	$2,818.74
CENTER POINT	52404	$2,768.58
GALT	52405	$2,831.36
JOICE	52411	$2,735.38
GUERNSEY	52501	$2,873.53
GLIDDEN	52530	$2,893.23
INDEPENDENCE	52531	$2,980.63
SWISHER	52533	$2,988.74
HUXLEY	52534	$2,849.24
KLEMME	52535	$2,973.61
SCARVILLE	52536	$2,900.07
BELMOND	52537	$3,018.29
HAWKEYE	52540	$2,985.40
SOLON	52542	$2,988.83
SPRINGVILLE	52543	$2,901.75
KELLOGG	52544	$2,984.52
BEACON	52548	$2,888.53
SAINT ANTHONY	52549	$3,001.17
NORA SPRINGS	52550	$2,959.64
FAYETTE	52551	$3,021.41
THORNTON	52552	$2,956.63
DEWAR	52553	$2,900.10
SEARSBORO	52554	$2,923.35
OSKALOOSA	52555	$2,994.30
MAXWELL	52556	$2,963.84
HILLS	52557	$2,968.46
SWALEDALE	52560	$3,005.87
ROBINS	52561	$2,907.99
GLADBROOK	52562	$2,924.12
VENTURA	52563	$2,996.56
UNIVERSITY PARK	52565	$3,004.55
GENEVA	52566	$2,911.90
KENSETT	52567	$2,991.30
WEST BRANCH	52568	$2,991.70
LIDDERDALE	52569	$2,967.00
STOUT	52570	$3,033.53
DOWS	52571	$2,983.53
CEDAR RAPIDS	52572	$2,976.66
GILBERT	52573	$3,001.92
HARVEY	52574	$2,970.02
OSAGE	52576	$2,945.22
RANDALL	52577	$2,844.77
LELAND	52580	$2,987.83
ROCKWELL	52581	$2,956.25
TRACY	52583	$3,046.64
AUSTINVILLE	52584	$3,014.10
KELLEY	52585	$2,951.86
KAMRAR	52586	$2,881.59
MESERVEY	52588	$3,006.16
DIKE	52590	$3,030.95
MC CALLSBURG	52591	$2,932.27
OTLEY	52593	$2,985.26
CAMBRIDGE	52594	$2,968.82
COLWELL	52595	$2,839.45
CEDAR RAPIDS	52601	$2,926.46
CEDAR FALLS	52619	$3,000.04
LAKE MILLS	52620	$2,982.75
CLARION	52621	$2,961.50
THOMPSON	52623	$3,024.21
CEDAR FALLS	52625	$2,976.76
FOREST CITY	52626	$3,006.42
CEDAR RAPIDS	52627	$3,011.89
CHARLES CITY	52630	$2,966.87
HANLONTOWN	52631	$3,039.38
LATIMER	52632	$2,969.33
CENTRAL CITY	52635	$2,972.59
OXFORD	52637	$2,986.33
LONE TREE	52638	$3,033.61
LEIGHTON	52639	$2,999.82
MANLY	52640	$2,993.43
PRAIRIEBURG	52641	$2,934.01
BUFFALO CENTER	52644	$2,949.52
COLO	52645	$3,000.70
ANKENY	52646	$3,019.83
ANKENY	52647	$3,019.72
STATE CENTER	52648	$2,976.41
GIFFORD	52649	$2,975.47
CARROLL	52650	$3,026.18
COGGON	52651	$2,958.94
ALEXANDER	52652	$2,956.78
WILLIAMS	52653	$2,978.80
ACKLEY	52654	$2,974.26
TIPTON	52655	$2,906.10
HAMPTON	52656	$2,969.39
NEVADA	52657	$2,966.46
KANAWHA	52658	$3,008.69
UNION	52659	$2,937.16
COULTER	52660	$3,015.55
BLAIRSBURG	52701	$2,912.05
NORTHWOOD	52720	$2,969.31
STEAMBOAT ROCK	52721	$2,786.21
WEBSTER CITY	52722	$3,090.75
NEW PROVIDENCE	52726	$2,884.43
GARDEN CITY	52727	$2,896.64
WHITTEN	52729	$2,893.35
NEWTON	52730	$2,903.02
PLYMOUTH	52731	$2,929.81
GRIMES	52732	$2,893.60
URBANA	52737	$3,006.54
JOHNSTON	52738	$3,013.36
JEWELL	52739	$2,959.77
CEDAR RAPIDS	52742	$2,897.81
ELDORA	52745	$2,996.56
BENNETT	52746	$2,980.62
ZEARING	52747	$2,941.49
MASON CITY	52748	$2,959.67
PELLA	52749	$2,968.46
POPEJOY	52750	$2,926.31
CLEAR LAKE	52751	$2,920.19
RADCLIFFE	52753	$2,957.10
TIFFIN	52754	$2,975.28
MARION	52755	$2,812.93
IOWA FALLS	52756	$2,984.51
CEDAR RAPIDS	52757	$2,893.40
PALO	52758	$2,953.80
ALDEN	52759	$2,946.63
HIAWATHA	52760	$2,940.70
HUBBARD	52761	$2,924.80
STORY CITY	52765	$2,976.39
CEDAR RAPIDS	52766	$2,944.24
NORTH LIBERTY	52767	$2,990.00
LE GRAND	52768	$2,951.17
ROLAND	52769	$2,958.25
FERGUSON	52771	$2,878.44
IOWA CITY	52772	$2,804.12
IOWA CITY	52773	$2,967.40
IOWA CITY	52774	$2,953.72
MARSHALLTOWN	52776	$2,942.02
AMES	52777	$2,930.31
AMES	52778	$2,940.06
AMES	52801	$3,285.41
AMES	52802	$3,206.70
AMES	52803	$3,129.34
IOWA CITY	52804	$3,203.58
IOWA CITY	52806	$3,100.13
CORALVILLE	52807	$3,143.07

Iowa city ZIP codes are among the cheapest places for car insurance, but it’s the most expensive in Council Bluffs. Below, we’ve listed the least and most expensive Iowa cities for car insurance.

City	Average Grand Total
ACKLEY	$2,805.25
ACKWORTH	$3,026.98
ADAIR	$3,058.59
ADEL	$2,954.51
AFTON	$3,044.54
AGENCY	$2,893.23
AINSWORTH	$2,973.09
AKRON	$2,957.13
ALBERT CITY	$2,897.35
ALBIA	$2,980.63
ALBION	$2,886.15
ALBURNETT	$2,874.92
ALDEN	$2,764.18
ALEXANDER	$2,806.81
ALGONA	$2,920.32
ALLEMAN	$2,986.28
ALLERTON	$3,041.40
ALLISON	$2,945.25
ALTA	$2,911.97
ALTA VISTA	$2,954.47
ALTON	$2,916.24
ALTOONA	$2,942.00
ALVORD	$2,924.56
AMANA	$2,972.25
AMES	$2,659.35
ANAMOSA	$2,980.87
ANDOVER	$2,912.05
ANDREW	$2,920.87
ANITA	$3,100.46
ANKENY	$2,810.09
ANTHON	$3,059.31
APLINGTON	$2,872.75
ARCADIA	$2,859.02
ARCHER	$2,935.56
AREDALE	$2,870.83
ARGYLE	$3,000.04
ARION	$2,994.19
ARISPE	$3,051.63
ARLINGTON	$2,947.22
ARMSTRONG	$2,947.25
ARNOLDS PARK	$2,933.85
ARTHUR	$2,997.74
ASHTON	$2,973.24
ASPINWALL	$2,991.84
ATALISSA	$2,969.31
ATKINS	$2,926.81
ATLANTIC	$3,103.63
AUBURN	$2,938.48
AUDUBON	$3,016.65
AURELIA	$2,941.03
AURORA	$2,917.70
AUSTINVILLE	$2,826.99
AVOCA	$3,081.19
AYRSHIRE	$2,962.94
BADGER	$2,953.86
BAGLEY	$2,987.43
BALDWIN	$2,952.81
BANCROFT	$2,917.70
BARNES CITY	$2,894.00
BARNUM	$3,001.69
BATAVIA	$2,988.74
BATTLE CREEK	$2,986.35
BAXTER	$2,896.72
BAYARD	$3,000.30
BEACON	$2,849.24
BEAMAN	$2,885.39
BEDFORD	$3,204.32
BELLE PLAINE	$2,954.82
BELLEVUE	$2,940.63
BELMOND	$2,852.52
BENNETT	$2,786.21
BENTON	$3,101.52
BERNARD	$2,953.63
BERWICK	$2,948.37
BETTENDORF	$3,090.75
BEVINGTON	$2,985.31
BIRMINGHAM	$2,973.61
BLAIRSBURG	$2,800.19
BLAIRSTOWN	$2,955.48
BLAKESBURG	$2,900.07
BLANCHARD	$3,166.15
BLENCOE	$3,019.67
BLOCKTON	$3,096.03
BLOOMFIELD	$3,018.29
BLUE GRASS	$2,884.43
BODE	$2,958.73
BONAPARTE	$2,982.75
BONDURANT	$3,040.11
BOONE	$2,969.89
BOONEVILLE	$2,981.15
BOUTON	$2,910.17
BOXHOLM	$2,937.13
BOYDEN	$2,935.44
BRADDYVILLE	$3,185.36
BRADGATE	$2,985.80
BRANDON	$2,899.08
BRAYTON	$3,014.49
BREDA	$2,867.37
BRIDGEWATER	$3,100.70
BRIGHTON	$2,985.40
BRISTOW	$2,858.16
BRITT	$2,891.51
BRONSON	$2,970.69
BROOKLYN	$2,868.84
BRUNSVILLE	$2,954.10
BRYANT	$2,896.64
BUCKINGHAM	$2,919.04
BUFFALO CENTER	$2,812.01
BURLINGTON	$2,926.46
BURNSIDE	$2,999.32
BURT	$2,930.62
BUSSEY	$2,909.91
CALAMUS	$2,893.35
CALLENDER	$2,987.10
CALMAR	$2,959.72
CALUMET	$2,912.70
CAMANCHE	$2,903.02
CAMBRIDGE	$2,821.19
CANTRIL	$2,988.83
CARBON	$3,130.48
CARLISLE	$3,088.68
CARPENTER	$2,892.07
CARROLL	$2,808.91
CARSON	$3,145.81
CARTER LAKE	$3,421.91
CASCADE	$2,968.96
CASEY	$3,087.99
CASTALIA	$2,967.97
CASTANA	$3,005.95
CEDAR	$2,901.76
CEDAR FALLS	$2,817.77
CEDAR RAPIDS	$2,792.97
CENTER JUNCTION	$2,964.85
CENTER POINT	$2,856.56
CENTERVILLE	$2,984.52
CENTRAL CITY	$2,814.04
CHAPIN	$2,860.37
CHARITON	$3,006.45
CHARLES CITY	$2,815.47
CHARLOTTE	$2,929.81
CHARTER OAK	$2,996.98
CHATSWORTH	$2,920.27
CHELSEA	$2,976.64
CHEROKEE	$2,942.50
CHESTER	$2,932.97
CHILLICOTHE	$2,888.53
CHURDAN	$2,860.80
CINCINNATI	$3,001.17
CLARE	$3,036.32
CLARENCE	$2,964.01
CLARINDA	$3,149.94
CLARION	$2,818.11
CLARKSVILLE	$2,914.89
CLEAR LAKE	$2,774.04
CLEARFIELD	$3,108.57
CLEGHORN	$2,953.88
CLEMONS	$2,867.21
CLERMONT	$2,887.34
CLIMBING HILL	$3,022.05
CLINTON	$2,893.60
CLIO	$3,028.19
CLIVE	$2,924.45
CLUTIER	$2,897.23
COGGON	$2,808.67
COIN	$3,180.34
COLESBURG	$2,971.15
COLFAX	$2,860.12
COLLEGE SPRINGS	$3,175.26
COLLINS	$2,863.49
COLO	$2,811.20
COLUMBIA	$2,871.36
COLUMBUS CITY	$3,006.54
COLUMBUS JUNCTION	$3,013.36
COLWELL	$2,819.00
CONESVILLE	$2,959.77
CONRAD	$2,899.47
CONROY	$2,887.60
COON RAPIDS	$2,902.75
COOPER	$2,946.52
CORALVILLE	$2,598.27
CORNING	$3,161.60
CORRECTIONVILLE	$3,046.49
CORWITH	$2,883.27
CORYDON	$3,052.48
COULTER	$2,801.86
COUNCIL BLUFFS	$3,604.85
CRAWFORDSVILLE	$2,961.50
CRESCENT	$3,259.16
CRESCO	$2,938.48
CRESTON	$3,027.08
CROMWELL	$3,029.50
CRYSTAL LAKE	$2,893.42
CUMBERLAND	$3,180.65
CUMMING	$3,048.56
CURLEW	$2,961.18
CUSHING	$3,012.55
CYLINDER	$2,951.78
DAKOTA CITY	$2,991.41
DALLAS	$2,922.36
DALLAS CENTER	$2,927.58
DANA	$2,954.43
DANBURY	$3,067.07
DANVILLE	$3,024.21
DAVENPORT	$3,178.04
DAVIS CITY	$3,131.26
DAWSON	$2,936.29
DAYTON	$2,925.18
DE SOTO	$2,968.37
DE WITT	$2,897.81
DECATUR	$3,115.95
DECORAH	$2,959.90
DEDHAM	$2,868.83
DEEP RIVER	$2,870.20
DEFIANCE	$2,992.35
DELAWARE	$2,968.57
DELHI	$2,981.79
DELMAR	$2,935.50
DELOIT	$2,990.73
DELTA	$2,959.64
DENISON	$2,972.18
DENVER	$2,948.97
DERBY	$3,011.07
DES MOINES	$3,218.42
DEWAR	$2,845.22
DEXTER	$3,022.64
DIAGONAL	$3,176.06
DICKENS	$2,895.57
DIKE	$2,823.06
DIXON	$2,996.56
DOLLIVER	$2,983.00
DONAHUE	$2,980.62
DONNELLSON	$2,976.76
DOON	$2,927.97
DORCHESTER	$3,029.25
DOUDS	$3,021.41
DOUGHERTY	$2,863.86
DOW CITY	$3,011.38
DOWS	$2,832.33
DRAKESVILLE	$2,956.63
DUBUQUE	$3,074.76
DUMONT	$2,864.78
DUNCOMBE	$2,935.27
DUNDEE	$2,957.26
DUNKERTON	$2,904.83
DUNLAP	$3,089.07
DURANGO	$2,905.91
DURANT	$2,941.49
DYERSVILLE	$2,905.22
DYSART	$2,872.85
EAGLE GROVE	$2,871.17
EARLHAM	$2,997.97
EARLING	$3,041.33
EARLVILLE	$2,951.46
EARLY	$2,947.04
EDDYVILLE	$2,900.10
EDGEWOOD	$2,986.12
ELBERON	$2,916.47
ELDON	$2,923.35
ELDORA	$2,787.19
ELDRIDGE	$2,959.68
ELGIN	$2,914.22
ELK HORN	$3,016.73
ELKADER	$2,905.71
ELKHART	$2,965.44
ELKPORT	$2,980.84
ELLIOTT	$3,212.72
ELLSTON	$3,142.48
ELLSWORTH	$2,886.57
ELMA	$2,906.77
ELY	$2,880.89
EMERSON	$3,223.48
EMMETSBURG	$2,966.73
EPWORTH	$2,930.26
ESSEX	$3,160.92
ESTHERVILLE	$2,952.65
EVANSDALE	$2,862.12
EVERLY	$2,906.22
EXIRA	$3,011.70
EXLINE	$2,994.30
FAIRBANK	$2,868.95
FAIRFAX	$2,928.02
FAIRFIELD	$2,966.15
FARLEY	$2,916.96
FARMERSBURG	$2,887.33
FARMINGTON	$3,006.42
FARNHAMVILLE	$2,974.68
FARRAGUT	$3,177.71
FAYETTE	$2,846.88
FENTON	$2,954.17
FERGUSON	$2,721.11
FERTILE	$2,861.16
FLORIS	$3,005.87
FLOYD	$2,892.99
FONDA	$2,926.90
FONTANELLE	$3,143.56
FOREST CITY	$2,816.90
FORT ATKINSON	$2,970.19
FORT DODGE	$2,957.19
FORT MADISON	$3,011.89
FOSTORIA	$2,905.68
FREDERICKSBURG	$2,943.66
FREMONT	$2,907.99
FRUITLAND	$2,968.46
GALT	$2,856.56
GALVA	$2,957.96
GARBER	$3,002.27
GARDEN CITY	$2,793.49
GARDEN GROVE	$3,013.33
GARNAVILLO	$3,005.08
GARNER	$2,877.07
GARRISON	$2,905.44
GARWIN	$2,861.00
GENEVA	$2,837.64
GEORGE	$2,949.61
GIBSON	$2,958.51
GIFFORD	$2,809.15
GILBERT	$2,830.10
GILBERTVILLE	$2,876.97
GILMAN	$2,909.87
GILMORE CITY	$2,965.63
GLADBROOK	$2,841.76
GLENWOOD	$3,356.47
GLIDDEN	$2,854.91
GOLDFIELD	$2,893.51
GOODELL	$2,857.80
GOOSE LAKE	$2,926.31
GOWRIE	$2,934.63
GRAETTINGER	$2,953.96
GRAFTON	$2,877.18
GRAND JUNCTION	$2,958.24
GRAND MOUND	$2,920.19
GRAND RIVER	$3,118.23
GRANGER	$2,970.28
GRANVILLE	$2,948.78
GRAVITY	$3,177.95
GRAY	$3,011.09
GREELEY	$2,984.28
GREENE	$2,935.94
GREENFIELD	$3,064.91
GREENVILLE	$2,916.61
GRIMES	$2,790.08
GRINNELL	$2,907.26
GRISWOLD	$3,168.22
GRUNDY CENTER	$2,905.31
GUERNSEY	$2,855.44
GUTHRIE CENTER	$3,052.04
GUTTENBERG	$3,002.35
HALBUR	$2,873.97
HAMBURG	$3,158.99
HAMILTON	$2,900.60
HAMLIN	$3,035.32
HAMPTON	$2,803.53
HANCOCK	$3,143.19
HANLONTOWN	$2,814.54
HARCOURT	$2,917.01
HARDY	$2,947.87
HARLAN	$3,006.83
HARPER	$2,948.12
HARPERS FERRY	$2,922.36
HARRIS	$2,956.59
HARTFORD	$3,040.20
HARTLEY	$2,921.82
HARTWICK	$2,917.78
HARVEY	$2,829.04
HASTINGS	$3,147.69
HAVELOCK	$2,921.53
HAVERHILL	$2,895.36
HAWARDEN	$2,901.96
HAWKEYE	$2,852.37
HAYESVILLE	$2,924.11
HAZLETON	$2,896.57
HEDRICK	$2,996.56
HENDERSON	$3,201.16
HIAWATHA	$2,762.69
HIGHLANDVILLE	$2,971.56
HILLS	$2,844.28
HILLSBORO	$2,966.87
HINTON	$2,942.53
HOLLAND	$2,929.86
HOLSTEIN	$2,965.37
HOLY CROSS	$2,956.98
HOMESTEAD	$2,909.73
HONEY CREEK	$3,209.76
HOPKINTON	$2,974.35
HORNICK	$2,997.29
HOSPERS	$2,921.23
HOUGHTON	$3,039.38
HUBBARD	$2,762.30
HUDSON	$2,919.17
HULL	$2,912.87
HUMBOLDT	$3,000.19
HUMESTON	$3,018.17
HUXLEY	$2,854.11
IDA GROVE	$2,979.60
IMOGENE	$3,126.40
INDEPENDENCE	$2,854.69
INDIANOLA	$3,020.66
INWOOD	$2,947.83
IONIA	$2,949.85
IOWA CITY	$2,667.19
IOWA FALLS	$2,769.51
IRA	$2,890.15
IRETON	$2,900.16
IRWIN	$2,981.22
JAMAICA	$2,954.35
JANESVILLE	$2,927.73
JEFFERSON	$2,948.10
JESUP	$2,879.46
JEWELL	$2,787.93
JOHNSTON	$2,788.69
JOICE	$2,856.13
JOLLEY	$2,915.22
KALONA	$2,868.11
KAMRAR	$2,824.29
KANAWHA	$2,803.09
KELLERTON	$3,129.35
KELLEY	$2,825.56
KELLOGG	$2,849.68
KENSETT	$2,837.49
KEOKUK	$2,969.33
KEOSAUQUA	$3,004.55
KEOTA	$2,938.55
KESLEY	$2,935.51
KESWICK	$2,951.60
KEYSTONE	$2,974.69
KILLDUFF	$2,891.70
KIMBALLTON	$3,006.08
KINGSLEY	$2,948.29
KIRKMAN	$2,986.17
KIRKVILLE	$2,911.90
KIRON	$2,986.05
KLEMME	$2,854.03
KNIERIM	$2,971.00
KNOXVILLE	$2,892.46
LA MOTTE	$2,927.08
LA PORTE CITY	$2,956.79
LACONA	$3,060.01
LADORA	$2,960.29
LAKE CITY	$2,915.48
LAKE MILLS	$2,818.44
LAKE PARK	$2,937.03
LAKE VIEW	$2,959.14
LAKOTA	$2,905.19
LAMONI	$3,112.85
LAMONT	$2,955.33
LANESBORO	$2,865.14
LANGWORTHY	$2,935.83
LANSING	$2,912.02
LARCHWOOD	$2,921.20
LARRABEE	$2,960.17
LATIMER	$2,814.24
LAUREL	$2,916.27
LAURENS	$2,900.48
LAWLER	$2,960.34
LAWTON	$2,968.47
LE CLAIRE	$2,957.10
LE GRAND	$2,734.13
LE MARS	$2,884.62
LEDYARD	$2,919.82
LEHIGH	$2,966.50
LEIGHTON	$2,812.79
LELAND	$2,828.04
LENOX	$3,092.12
LEON	$3,137.92
LETTS	$2,975.28
LEWIS	$3,125.38
LIBERTY CENTER	$3,062.16
LIBERTYVILLE	$2,991.30
LIDDERDALE	$2,835.14
LIME SPRINGS	$2,923.85
LINDEN	$2,962.38
LINEVILLE	$3,043.06
LINN GROVE	$2,930.85
LISBON	$2,863.00
LISCOMB	$2,877.68
LITTLE CEDAR	$2,900.50
LITTLE ROCK	$2,939.31
LITTLE SIOUX	$3,062.64
LIVERMORE	$2,957.89
LOCKRIDGE	$2,972.59
LOGAN	$3,060.38
LOHRVILLE	$2,945.19
LONE ROCK	$2,931.78
LONE TREE	$2,812.93
LONG GROVE	$2,984.51
LORIMOR	$3,116.31
LOST NATION	$2,931.77
LOVILIA	$2,980.29
LOW MOOR	$2,893.40
LOWDEN	$2,947.30
LU VERNE	$2,893.61
LUANA	$2,890.82
LUCAS	$3,040.51
LUTHER	$2,926.75
LUXEMBURG	$2,941.04
LUZERNE	$2,977.02
LYNNVILLE	$2,903.03
LYTTON	$2,920.17
MACEDONIA	$3,139.43
MACKSBURG	$3,063.90
MADRID	$2,941.25
MAGNOLIA	$3,044.57
MALCOM	$2,919.35
MALLARD	$2,966.17
MALVERN	$3,160.85
MANCHESTER	$2,970.26
MANILLA	$2,968.83
MANLY	$2,812.78
MANNING	$2,987.77
MANSON	$2,971.36
MAPLETON	$3,031.49
MAQUOKETA	$2,868.32
MARATHON	$2,912.25
MARBLE ROCK	$2,952.82
MARCUS	$2,938.06
MARENGO	$2,879.45
MARION	$2,771.54
MARNE	$3,111.11
MARQUETTE	$2,902.69
MARSHALLTOWN	$2,686.15
MARTELLE	$2,990.63
MARTENSDALE	$3,042.91
MARTINSBURG	$2,991.70
MASON CITY	$2,782.99
MASONVILLE	$2,952.61
MASSENA	$3,161.66
MATLOCK	$2,957.56
MAURICE	$2,912.04
MAXWELL	$2,844.46
MAYNARD	$2,923.24
MC CALLSBURG	$2,822.78
MC CAUSLAND	$2,953.80
MC CLELLAND	$3,137.95
MC GREGOR	$2,892.97
MC INTIRE	$2,906.31
MECHANICSVILLE	$2,933.39
MEDIAPOLIS	$2,986.33
MELBOURNE	$2,905.18
MELROSE	$2,967.00
MELVIN	$2,962.83
MENLO	$3,082.64
MERIDEN	$2,964.66
MERRILL	$2,920.00
MESERVEY	$2,823.74
MIDDLE AMANA	$2,873.63
MIDDLETOWN	$3,033.61
MILES	$2,893.76
MILFORD	$2,919.35
MILLERSBURG	$2,880.96
MILLERTON	$3,045.38
MILO	$3,091.10
MILTON	$3,033.53
MINBURN	$2,949.58
MINDEN	$3,134.36
MINEOLA	$3,170.76
MINGO	$2,875.70
MISSOURI VALLEY	$3,146.17
MITCHELLVILLE	$3,058.04
MODALE	$3,108.20
MONDAMIN	$3,063.49
MONMOUTH	$2,983.95
MONONA	$2,895.79
MONROE	$2,896.77
MONTEZUMA	$2,871.59
MONTICELLO	$2,975.49
MONTOUR	$2,872.30
MONTPELIER	$2,946.63
MONTROSE	$2,999.82
MOORHEAD	$3,020.26
MOORLAND	$2,948.03
MORAVIA	$2,983.53
MORLEY	$2,956.60
MORNING SUN	$2,993.44
MORRISON	$2,922.68
MOSCOW	$2,940.70
MOULTON	$2,976.66
MOUNT AUBURN	$2,964.41
MOUNT AYR	$3,160.90
MOUNT PLEASANT	$2,934.01
MOUNT STERLING	$3,001.92
MOUNT UNION	$2,949.52
MOUNT VERNON	$2,874.39
MOVILLE	$2,956.49
MURRAY	$3,103.88
MUSCATINE	$2,924.80
MYSTIC	$2,970.02
NASHUA	$2,936.71
NEMAHA	$2,941.42
NEOLA	$3,120.60
NEVADA	$2,803.12
NEW ALBIN	$3,020.83
NEW HAMPTON	$2,951.12
NEW HARTFORD	$2,865.18
NEW LIBERTY	$2,976.40
NEW LONDON	$3,000.69
NEW MARKET	$3,148.89
NEW PROVIDENCE	$2,795.25
NEW SHARON	$2,888.60
NEW VIENNA	$2,916.95
NEW VIRGINIA	$3,080.78
NEWELL	$2,906.83
NEWHALL	$2,980.30
NEWTON	$2,790.29
NICHOLS	$2,944.24
NODAWAY	$3,167.43
NORA SPRINGS	$2,847.84
NORTH BUENA VISTA	$2,908.47
NORTH ENGLISH	$2,935.44
NORTH LIBERTY	$2,734.77
NORTH WASHINGTON	$2,952.63
NORTHBORO	$3,161.39
NORTHWOOD	$2,797.53
NORWALK	$3,128.18
NORWAY	$2,940.96
OAKLAND	$3,052.09
OAKVILLE	$3,019.83
OCHEYEDAN	$2,952.72
ODEBOLT	$2,983.67
OELWEIN	$2,922.36
OGDEN	$2,912.53
OKOBOJI	$2,929.65
OLDS	$3,019.72
OLIN	$2,939.00
OLLIE	$2,945.22
ONAWA	$2,991.58
ONSLOW	$2,963.00
ORAN	$2,934.93
ORANGE CITY	$2,910.32
ORCHARD	$2,914.59
ORIENT	$3,102.67
OSAGE	$2,828.82
OSCEOLA	$3,036.49
OSKALOOSA	$2,844.77
OSSIAN	$2,966.46
OTHO	$2,953.96
OTLEY	$2,821.62
OTO	$3,049.45
OTTOSEN	$2,976.58
OTTUMWA	$2,873.53
OXFORD	$2,813.84
OXFORD JUNCTION	$3,019.38
OYENS	$2,914.56
PACIFIC JUNCTION	$3,249.84
PACKWOOD	$2,987.83
PALMER	$2,950.36
PALO	$2,766.77
PANAMA	$3,071.76
PANORA	$2,995.82
PARKERSBURG	$2,880.36
PARNELL	$2,929.70
PATON	$2,959.70
PATTERSON	$3,023.35
PAULLINA	$2,928.93
PELLA	$2,778.49
PEOSTA	$2,928.11
PERCIVAL	$3,193.43
PERRY	$2,899.15
PERSIA	$3,094.94
PERU	$3,000.20
PETERSON	$2,936.25
PIERSON	$3,022.70
PILOT GROVE	$2,976.41
PILOT MOUND	$2,919.57
PISGAH	$3,079.34
PLAINFIELD	$2,949.72
PLANO	$2,956.25
PLEASANT VALLEY	$2,990.00
PLEASANTVILLE	$2,923.08
PLOVER	$2,974.25
PLYMOUTH	$2,790.14
POCAHONTAS	$2,913.80
POLK CITY	$3,017.87
POMEROY	$2,970.59
POPEJOY	$2,775.99
PORTSMOUTH	$3,040.00
POSTVILLE	$2,907.62
PRAIRIE CITY	$2,954.11
PRAIRIEBURG	$2,812.71
PRESCOTT	$3,084.17
PRESTON	$2,904.34
PRIMGHAR	$2,922.77
PRINCETON	$2,951.17
PROLE	$3,086.19
PROMISE CITY	$3,046.64
PROTIVIN	$2,953.12
PULASKI	$3,014.10
QUASQUETON	$2,896.53
QUIMBY	$2,970.85
RADCLIFFE	$2,772.23
RAKE	$2,877.94
RALSTON	$2,871.93
RANDALIA	$2,923.94
RANDALL	$2,828.75
RANDOLPH	$3,197.04
RAYMOND	$2,963.86
READLYN	$2,943.18
REASNOR	$2,900.63
RED OAK	$3,178.98
REDDING	$3,120.55
REDFIELD	$2,881.80
REINBECK	$2,918.60
REMBRANDT	$2,932.39
REMSEN	$2,891.23
RENWICK	$2,939.81
RHODES	$2,916.80
RICEVILLE	$2,924.13
RICHLAND	$2,951.86
RICKETTS	$3,016.98
RIDGEWAY	$2,991.96
RINGSTED	$2,983.40
RIPPEY	$2,949.51
RIVERSIDE	$2,901.73
RIVERTON	$3,144.18
ROBINS	$2,843.44
ROCK FALLS	$2,865.63
ROCK RAPIDS	$2,944.28
ROCK VALLEY	$2,946.23
ROCKFORD	$2,879.95
ROCKWELL	$2,827.44
ROCKWELL CITY	$2,930.81
RODNEY	$3,041.75
ROLAND	$2,725.56
ROLFE	$2,955.68
ROSE HILL	$2,881.59
ROWAN	$2,860.58
ROWLEY	$2,895.35
ROYAL	$2,918.29
RUDD	$2,916.60
RUNNELLS	$3,125.89
RUSSELL	$3,008.84
RUTHVEN	$2,950.04
RUTLAND	$2,983.47
RYAN	$2,965.56
SABULA	$2,925.51
SAC CITY	$2,916.79
SAINT ANSGAR	$2,875.18
SAINT ANTHONY	$2,847.97
SAINT CHARLES	$3,062.40
SAINT DONATUS	$2,956.34
SAINT LUCAS	$2,954.92
SAINT MARYS	$3,072.01
SAINT OLAF	$2,902.98
SAINT PAUL	$2,966.46
SALEM	$2,975.47
SALIX	$2,940.41
SANBORN	$2,937.26
SCARVILLE	$2,853.67
SCHALLER	$2,938.15
SCHLESWIG	$2,994.49
SCRANTON	$2,961.86
SEARSBORO	$2,845.22
SELMA	$3,006.16
SERGEANT BLUFF	$2,955.85
SEYMOUR	$3,030.95
SHAMBAUGH	$3,118.13
SHANNON CITY	$3,033.38
SHARPSBURG	$3,125.88
SHEFFIELD	$2,875.81
SHELBY	$3,099.94
SHELDAHL	$3,035.72
SHELDON	$2,946.99
SHELL ROCK	$2,909.13
SHELLSBURG	$2,955.70
SHENANDOAH	$3,134.91
SHERRILL	$2,964.34
SIBLEY	$2,949.77
SIDNEY	$3,202.45
SIGOURNEY	$2,932.27
SILVER CITY	$3,228.19
SIOUX CENTER	$2,910.95
SIOUX CITY	$3,295.84
SIOUX RAPIDS	$2,926.33
SLATER	$2,897.79
SLOAN	$2,998.42
SMITHLAND	$3,054.16
SOLDIER	$3,005.70
SOLON	$2,851.63
SOMERS	$2,939.60
SOUTH AMANA	$2,881.96
SOUTH ENGLISH	$2,939.73
SPENCER	$2,862.56
SPERRY	$3,026.18
SPILLVILLE	$2,979.83
SPIRIT LAKE	$2,932.35
SPRAGUEVILLE	$2,920.09
SPRINGBROOK	$2,945.92
SPRINGVILLE	$2,849.76
STACYVILLE	$2,886.19
STANHOPE	$2,923.95
STANLEY	$2,907.16
STANTON	$3,192.82
STANWOOD	$2,955.00
STATE CENTER	$2,809.23
STEAMBOAT ROCK	$2,795.75
STOCKPORT	$2,958.94
STOCKTON	$2,958.25
STORM LAKE	$2,897.43
STORY CITY	$2,759.69
STOUT	$2,834.37
STRATFORD	$2,964.06
STRAWBERRY POINT	$2,961.84
STUART	$2,990.85
SULLY	$2,873.33
SUMNER	$2,951.95
SUPERIOR	$2,925.71
SUTHERLAND	$2,937.15
SWALEDALE	$2,843.72
SWAN	$2,898.74
SWEA CITY	$2,924.21
SWEDESBURG	$2,956.77
SWISHER	$2,854.46
TABOR	$3,127.14
TAMA	$2,897.41
TEEDS GROVE	$2,878.44
TEMPLETON	$2,867.33
TERRIL	$2,917.57
THAYER	$3,044.11
THOMPSON	$2,817.25
THOR	$3,038.87
THORNBURG	$2,954.31
THORNTON	$2,846.30
THURMAN	$3,239.93
TIFFIN	$2,772.01
TINGLEY	$3,095.98
TIPTON	$2,804.12
TITONKA	$2,911.59
TODDVILLE	$2,861.65
TOETERVILLE	$2,895.21
TOLEDO	$2,860.21
TRACY	$2,827.19
TRAER	$2,883.13
TREYNOR	$3,161.21
TRIPOLI	$2,946.59
TROY MILLS	$2,878.68
TRUESDALE	$2,910.72
TRURO	$3,087.69
UDELL	$2,985.26
UNDERWOOD	$3,145.04
UNION	$2,802.18
UNIONVILLE	$2,968.82
UNIVERSITY PARK	$2,839.45
URBANA	$2,790.02
URBANDALE	$2,937.45
UTE	$3,013.57
VAIL	$2,973.56
VAN HORNE	$2,961.83
VAN METER	$3,013.33
VAN WERT	$3,079.63
VARINA	$2,961.07
VENTURA	$2,841.02
VICTOR	$2,956.97
VILLISCA	$3,216.99
VINCENT	$2,975.33
VINING	$2,910.99
VINTON	$2,888.75
VOLGA	$2,895.37
WADENA	$2,889.23
WALCOTT	$2,967.39
WALFORD	$2,927.02
WALKER	$2,907.60
WALL LAKE	$2,974.98
WALLINGFORD	$2,973.08
WALNUT	$3,071.16
WAPELLO	$2,978.80
WASHINGTON	$2,943.79
WASHTA	$2,976.61
WATERLOO	$2,967.86
WATERVILLE	$2,910.97
WATKINS	$2,941.91
WAUCOMA	$2,971.52
WAUKEE	$2,942.09
WAUKON	$2,890.54
WAVERLY	$2,865.14
WAYLAND	$2,974.26
WEBB	$2,942.89
WEBSTER	$2,951.96
WEBSTER CITY	$2,795.50
WELDON	$3,055.99
WELLMAN	$2,924.14
WELLSBURG	$2,918.89
WELTON	$2,953.72
WESLEY	$2,890.90
WEST BEND	$2,936.79
WEST BRANCH	$2,835.28
WEST BURLINGTON	$2,906.10
WEST CHESTER	$2,961.17
WEST DES MOINES	$2,904.80
WEST LIBERTY	$2,942.02
WEST POINT	$2,969.39
WEST UNION	$2,863.80
WESTFIELD	$3,098.26
WESTGATE	$2,950.18
WESTSIDE	$2,896.95
WEVER	$3,008.69
WHAT CHEER	$2,955.11
WHEATLAND	$2,930.31
WHITING	$2,981.78
WHITTEMORE	$2,941.34
WHITTEN	$2,792.50
WILLIAMS	$2,805.77
WILLIAMSBURG	$2,871.89
WILLIAMSON	$3,029.49
WILTON	$2,940.06
WINDSOR HEIGHTS	$2,920.56
WINFIELD	$2,937.16
WINTERSET	$3,025.93
WINTHROP	$2,890.38
WIOTA	$3,088.94
WODEN	$2,880.01
WOODBINE	$3,057.06
WOODBURN	$3,057.28
WOODWARD	$2,876.99
WOOLSTOCK	$2,919.37
WORTHINGTON	$2,911.04
WYOMING	$2,928.19
YALE	$2,971.75
YARMOUTH	$3,015.55
YORKTOWN	$3,136.45
ZEARING	$2,785.76
ZWINGLE	$2,972.39

Council Bluffs again emerges as the most expensive place to buy car insurance. Though it’s not the largest city in Iowa, it’s one of the state’s ten largest cities. As this data shows, the population size of a city doesn’t determine insurance costs.

Iowa Car Insurance Companies

So many car insurance carriers compete for your business these days that it’s hard to know which ones actually come through on their promises.

No need to worry — we’ve got you covered! Keep scrolling to find out the 10 best providers across Iowa that can give you the best coverage and the best rates. We will also feature companies’ financial ratings, customer reviews, and much more.

Ready? Let’s get this show on the road…

The Largest Companies’ Financial Ratings

A.M. Best offers financial ratings of insurance companies. A good score means these companies are more likely to stay solvent and can pay customer claims.

Company Name	AM Ratings	Direct Premiums Written	Loss Ratio	Market Share
State Farm Group	A++	$389,032	63.96%	22.14%
Progressive Group	A+	$285,107	63.34%	16.23%
Nationwide Corp Group	A+	$180,621	51.49%	10.28%
Iowa Farm Bureau Group	NR	$119,308	67.98%	6.79%
American Family Insurance Group	A	$111,227	69.86%	6.33%
Grinnell Mutual Group	A	$78,945	71.86%	4.49%
Geico	A++	$64,044	78.07%	3.65%
IMT Mutual Holding Group	NR	$57,498	70.27%	3.27%
Allstate Insurance Group	A+	$56,702	60.70%	3.23%
West Bend Mutual Insurance Co	A	$38,498	58.38%	2.19%

Besides premiums, one of the other components that should factor into your decision when picking an insurance carrier is customer ratings. Want to find out what customers really think about the top Iowa car insurance carriers?

Here we go!

Companies with the Best Ratings

Customer satisfaction is an important part of a company’s success. J.D. Power studied five customer satisfaction factors — interaction, policy offerings, price, billing process/policy information, and claims — to see which companies scored best.

Up next, we examine customer complaints.

Companies with the Most Complaints in Iowa

The complaint index of each company compares the number of customer complaints to its share of profits across the state. Companies that have a complaint index higher than one are worse than the average insurer in Iowa, and those with an index below one are better than average.

Company	Complaint Ratio 2017	Total Complaints 2017
State Farm Group	0.44	1482
Progressive Group	0.75	120
Nationwide Corp Group	0.28	25
Iowa Farm Bureau Group	2.66	3
American Family Insurance Group	0.0	0
Grinnell Mutual Group	0.0	0
Geico	.007	6
IMT Mutual Holding Group	2.42	1
Allstate Insurance Group	0.98	163
West Bend Mutual Insurance Co	0	0

Bear in mind, some complaints are based on general customer satisfaction, so consider that in your final decision.

Iowa Car Insurance Rates by Company

We know that rates are one of the biggest factors in your Iowa car insurance choices. The below chart shows ten of the top carriers in the state, along with their average rates compared to the overall state average.

Company	Average Cost	Amount Compared to State Average	Percentage Compared to State Average
Allstate F&C	$2,965.14	$6.95	0.23%
American Family Mutual	$3,021.87	$63.67	2.11%
Farmers Insurance Co	$2,435.45	-$522.75	-21.46%
Geico Cas	$2,296.51	-$661.68	-28.81%
Nationwide Agribusiness Insurance	$2,551.81	-$406.39	-15.93%
Progressive Northern	$2,394.23	-$563.96	-23.56%
Safeco Insurance Co America	$4,415.48	$1,457.29	33.00%
State Farm Mutual Auto	$2,223.47	-$734.72	-33.04%

Cost of Commutes by Carrier

At some companies, how far you commute regularly can affect your insurance rates.

Company	Commute Distance and Annual Mileage	Annual Average Rate
Allstate	10 miles commute. 6,000 annual mileage.	$2,894.65
Allstate	25 miles commute. 12,000 annual mileage.	$3,035.64
American Family	10 miles commute. 6,000 annual mileage.	$2,986.61
American Family	25 miles commute. 12,000 annual mileage.	$3,057.13
Farmers	10 miles commute. 6,000 annual mileage.	$2,435.45
Farmers	25 miles commute. 12,000 annual mileage.	$2,435.45
Geico	10 miles commute. 6,000 annual mileage.	$2,251.26
Geico	25 miles commute. 12,000 annual mileage.	$2,341.77
Liberty Mutual	10 miles commute. 6,000 annual mileage.	$4,415.48
Liberty Mutual	25 miles commute. 12,000 annual mileage.	$4,415.48
Nationwide	10 miles commute. 6,000 annual mileage.	$2,551.81
Nationwide	25 miles commute. 12,000 annual mileage.	$2,551.81
Progressive	10 miles commute. 6,000 annual mileage.	$2,394.23
Progressive	25 miles commute. 12,000 annual mileage.	$2,394.23
State Farm	10 miles commute. 6,000 annual mileage.	$2,169.94
State Farm	25 miles commute. 12,000 annual mileage.	$2,277.01
Travelers	10 miles commute. 6,000 annual mileage.	$5,425.63
Travelers	25 miles commute. 12,000 annual mileage.	$5,425.63
USAA	10 miles commute. 6,000 annual mileage.	$1,784.77
USAA	25 miles commute. 12,000 annual mileage.	$1,919.94

At some companies, like Geico, the more you drive, the more you pay. Fortunately, some of the companies listed don’t increase their costs with higher mileages traveled. Factor in how much you drive and how often to find companies with the best rates for you

Coverage Level Rates in Iowa

Generally, the more you pay, the better your insurance coverage. Let’s take a closer look at the price differences at Iowa companies.

Company	Coverage Level	Annual Average
Allstate	High	$3,072.83
Allstate	Medium	$2,968.91
Allstate	Low	$2,853.70
American Family	High	$2,840.53
American Family	Medium	$3,189.92
American Family	Low	$3,035.16
Farmers	High	$2,530.66
Farmers	Medium	$2,443.15
Farmers	Low	$2,332.54
Geico	High	$2,411.84
Geico	Medium	$2,297.14
Geico	Low	$2,180.55
Liberty Mutual	High	$4,601.36
Liberty Mutual	Medium	$4,407.47
Liberty Mutual	Low	$4,237.62
Nationwide	High	$2,455.20
Nationwide	Medium	$2,539.43
Nationwide	Low	$2,660.79
Progressive	High	$2,521.62
Progressive	Medium	$2,402.19
Progressive	Low	$2,258.89
State Farm	High	$2,318.68
State Farm	Medium	$2,236.04
State Farm	Low	$2,115.69
Travelers	High	$5,666.01
Travelers	Medium	$5,507.84
Travelers	Low	$5,103.05
USAA	High	$1,941.61
USAA	Medium	$1,858.31
USAA	Low	$1,757.16

It pays to shop around. Some companies, like USAA, have only a $184 increase from low to high coverage, which means it would cost only $15 more per month for better coverage!

Credit History Rates

According to a study by Experian, the average Iowan has a credit card VantageScore of 695 (among the highest in the nation), around three credit cards in their name, and a credit card balance of $5,155.

Company	Credit History	Annual Average
Allstate	Good	$2,533.59
Allstate	Fair	$2,817.56
Allstate	Poor	$3,544.28
American Family	Good	$2,380.74
American Family	Fair	$2,831.65
American Family	Poor	$3,853.23
Farmers	Good	$2,195.20
Farmers	Fair	$2,317.58
Farmers	Poor	$2,793.56
Geico	Good	$1,833.13
Geico	Fair	$2,296.52
Geico	Poor	$2,759.89
Liberty Mutual	Good	$3,061.08
Liberty Mutual	Fair	$3,889.40
Liberty Mutual	Poor	$6,295.97
Nationwide	Good	$2,127.45
Nationwide	Fair	$2,427.31
Nationwide	Poor	$3,100.67
Progressive	Good	$2,069.08
Progressive	Fair	$2,284.84
Progressive	Poor	$2,828.78
State Farm	Good	$1,544.99
State Farm	Fair	$1,958.88
State Farm	Poor	$3,166.55
Travelers	Good	$4,964.86
Travelers	Fair	$5,210.35
Travelers	Poor	$6,101.70
USAA	Good	$1,449.06
USAA	Fair	$1,673.05
USAA	Poor	$2,434.97

Your credit score can certainly play an important part in determining your car insurance rates. Next, we’ll cover another important factor that insurers use to determine rates: driving record.

Driving Record Rates

A clean driving record can definitely help you cut insurance costs. Just one accident could make your rates soar. For example, at Travelers, all it takes is one DUI to increase your rates to over $7,000 a year.

Company	Record	Average Annual Cost
Allstate	Clean record	$2,520.15
Allstate	With 1 accident	$3,051.76
Allstate	With 1 DUI	$3,470.40
Allstate	With 1 speeding violation	$2,818.27
American Family	Clean record	$2,181.69
American Family	With 1 accident	$3,194.70
American Family	With 1 DUI	$4,146.29
American Family	With 1 speeding violation	$2,564.80
Farmers	Clean record	$2,075.02
Farmers	With 1 accident	$2,574.18
Farmers	With 1 DUI	$2,612.59
Farmers	With 1 speeding violation	$2,479.99
Geico	Clean record	$1,739.14
Geico	With 1 accident	$2,430.59
Geico	With 1 DUI	$3,150.98
Geico	With 1 speeding violation	$1,865.34
Liberty Mutual	Clean record	$3,813.55
Liberty Mutual	With 1 accident	$4,718.68
Liberty Mutual	With 1 DUI	$4,811.37
Liberty Mutual	With 1 speeding violation	$4,318.32
Nationwide	Clean record	$1,845.32
Nationwide	With 1 accident	$2,653.56
Nationwide	With 1 DUI	$3,619.74
Nationwide	With 1 speeding violation	$2,088.61
Progressive	Clean record	$1,925.00
Progressive	With 1 accident	$3,153.79
Progressive	With 1 DUI	$2,088.27
Progressive	With 1 speeding violation	$2,409.88
State Farm	Clean record	$2,058.27
State Farm	With 1 accident	$2,388.67
State Farm	With 1 DUI	$2,223.47
State Farm	With 1 speeding violation	$2,223.47
Travelers	Clean record	$3,954.60
Travelers	With 1 accident	$5,272.67
Travelers	With 1 DUI	$7,060.59
Travelers	With 1 speeding violation	$5,414.68
USAA	Clean record	$1,414.93
USAA	With 1 accident	$1,899.66
USAA	With 1 DUI	$2,470.24
USAA	With 1 speeding violation	$1,624.60

Number of Insurers in Iowa

Domestic	Foreign	Total Number of Licensed Insurers
73	860	933

Domestic insurance is formed under Iowa law, but foreign insurance is formed under the laws of any state in the U.S.

Iowa State Laws

To keep your car insurance rates low, you should know the laws in your state.

Don’t worry! We’re here to help.

Keep reading to learn about the laws specific to Iowa.

Car Insurance Laws

As we’ve said before, Iowa doesn’t require all drivers to have car insurance, but the Motor Vehicle and Financial Safety Act makes having at least the minimum liability coverage appealing to buyers.

Though you could get by with providing proof of financial responsibility, not having car insurance is risky, so it’s best to buy at least the minimum. Keep reading for information about high-risk insurance.

High-Risk Insurance

Higher premiums are the last thing anyone wants to pay for. But, if you’re in an accident, you may have to fill-out an SR-22 form to buy high-risk insurance. In Iowa, that means you’ll need to have the minimum liability coverage.

Again, in Iowa, drivers aren’t required to have minimum car insurance, just proof of financial responsibility if they are in an accident.

Fortunately, the cost of minimum car insurance in Iowa is fairly low compared to other states. We highly recommend you have car insurance, so make sure you buy the minimum amount for high-risk insurance before you ever get in an accident!

Low-Cost Insurance

The state of Iowa doesn’t currently offer any special low-cost insurance programs. As we discussed above, it’s best to have at least the minimum liability coverage, as penalties for not having proof of financial responsibility can be severe. You can’t afford not to have insurance.

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Windshield Coverage

Iowa law doesn’t require insurers to replace cracked or broken windshields. If you want windshield coverage, you will need comprehensive insurance and you will have to examine carefully how the different insurance providers handle windshield claims. So, if you have comprehensive coverage, your insurer will likely pay for the repairs.

While some states mandate a waived deductible for windshield repairs, and others specify the use of only manufacturer replacement parts, Iowa does allow replacement with aftermarket parts. That is if it’s stated on the estimate and if the parts are “at least equal in kind and quality…in terms of fit, quality and performance, or that the part complies with federal safety standards” — if mentioned in the policy. The consumer can refuse but will pay the difference in the quote.

Having good insurance almost pays for itself in the end. Otherwise, you may have to pay for a damaged windshield yourself.

Automobile Insurance Fraud in Iowa

It’s no wonder that insurance fraud is a crime. According to the Insurance Institute for Highway Safety, there are two ways to commit insurance fraud:

Intentionally faking an accident or making a false claim
Adding “extra” onto a legitimate claim

Insurance fraud can lead to fines and jail time. It’s better to be honest in your claims. Simply put, don’t commit insurance fraud, and you’re good to go.

Statute of Limitations

If you’re in an accident, you’re subject to the statute of limitations, meaning that your time to file a claim in Iowa is limited. This time begins running out the day of your accident.

As shown below, Iowa’s statute of limitations for personal injury and property damage are fairly lenient. Regardless, it makes sense to file a claim as soon as possible, because if you don’t file in time, you won’t receive the money owed to you.

Personal Injury: Two years
Property Damage: Five years

So, don’t wait! Time passes quickly, and before you know it, you could miss your chance to collect money owed to you.

Iowa’s Clean Claim Law

Iowa law requires insurers to respond to claims their customers submit. Insurers that don’t respond to claims can be held legally responsible. Though the law requires insurers to respond to claims, insurers may fail to pay benefits.

Be aware! In case of an accident, get familiar with your insurance policy to make sure that you receive all the benefits owed to you.

Vehicle Licensing Laws

As we said before, drivers in Iowa aren’t required to have car insurance. But, if you’re in an accident, you must show proof of financial responsibility. Otherwise, the Iowa Department of Transportation will suspend your license and registration.

Again, the following are acceptable as proof of financial responsibility in Iowa:

Valid liability insurance ID cards
Your car’s current insurance policy as proof that you had liability insurance when the accident happened
A valid insurance binder (a temporary form of car insurance)
A release form from everyone involved in the accident
A filed statement that shows you promise to cover — on an installment plan if necessary — the costs of the injured or damaged parties
A civil damage action decision that releases you from any liability
A completed warrant for confession of judgment with agreed upon payment schedule
Evidence of a settlement reached between parties
Payment of one of the following to “Driver & Identification Services” in Iowa:

Cash
Certified check
Cashier’s check
Bank draft
Postal money order

Unless the police already file a form, if you are in an accident, you must also fill out an accident form within 72 hours. If you can’t provide insurance or another form of financial responsibility, you will be fined $500. You could also have your license and registration suspended and your vehicle impounded.

Anytime you are pulled over, you must show proof of financial responsibility or face penalties.

Teen Driver Laws

To receive a license or a restricted license, driver education is required if the applicant is younger than 18. Teens in Iowa can start driving with a learner’s permit at age 14. Teens must meet the requirements below.

Requirements for Getting a License or Restricted License in Iowa	Time Limits
Mandatory holding period	12 months
Minimum supervised driving time	20 hours (2 of which must be at night)
Minimum age	16-years-old

In Iowa, driver’s education graduates who have held an instruction permit for at least six months and are at least 14 years and six months old may apply for a school license that allows unsupervised driving between 5 a.m. and 10 p.m. The school license limits drivers to direct routes to and from school for classes or school-sponsored activities, at other schools hosting activities, school bus stops, and gas stations.

Holders of a minor school license may not use electronic or entertainment devices (permanently installed equipment exempted), carry more than one unrelated passenger or drive to another school district without an extra-curricular sharing agreement.

Young drivers in Iowa with restricted licenses must also follow the rules below.

Intermediate License Restrictions in Iowa	Details	Removal Time Limit
Nighttime restrictions	12:30 a.m. to 5 a.m.	May be lifted after 12 months and age 17 or until age 18 (whichever occurs first)
Passenger Restrictions (family members excepted)	At parental discretion	May be changed at parental discretion

Next are restrictions for older drivers, another group that has special driving requirements.

Older Driver License Renewal Procedures

Iowa law requires drivers over 72 years old to renew their licenses every two years. Below are a few more rules:

Proof of adequate vision is required at every renewal
Online or mail renewal is not allowed for drivers age 70 and older

So, if you are an older driver, plan to visit your eye doctor and the DMV every two years.

New Residents

If you want to drive in Iowa, you need car insurance or proof of financial responsibility. You can opt out of uninsured and underinsured motorist coverage, but you should have bodily injury and property damage liability insurance. As a reminder, these are the minimum amounts in Iowa:

$20,000 to pay for bodily injury per person
$40,000 to pay for total bodily injury per accident
$15,000 to pay for property damage per accident

Make sure to contact your current provider to change the rates to match Iowa’s minimum. You will also need updated insurance cards with your new address.

Don’t forget! Though car insurance isn’t legally required in Iowa, you could face penalties for driving without it. So, when you move to Iowa, make sure that you have adequate coverage.

License Renewal Procedures

Iowans under age 70 must renew their licenses every eight years. And you don’t need to go to the DMV every time!

Iowa drivers under 70 years old can renew their licenses by mail or online at every other renewal. That’s 16 years without a trip to the DMV!

But, when you renew your license in person at the DMV, the law requires proof of adequate vision. So, you will need to take a vision test or provide proof of one when you’re there.

Reckless Driving

According to Iowa state law, reckless or negligent driving that endangers property and people is classified as a misdemeanor.

Potential penalties:

30 days in jail and/or fines that range from $25 to $625
five-day to 30-day license suspension

The penalties are much more severe when a driver causes the death of another person through reckless driving.

Homicide Offense	Felony Type	Jail time	License Revocation	Additional Penalties
Reckless driving while intoxicated	Class B Felony	Up to 25 years	6 years	Complete drinking and driving program; may have to complete substance abuse program
Recklessness and/or fleeing from an officer	Class C Felony	Up to 10 years	Up to 1 year	$1,000 to $10,000 in fines
Drag racing	Class D Felony	Up to 5 years	Up to 1 year	$750 to $7,000 in fines

Reckless driving doesn’t just endanger you but everyone around you! And reckless drivers could end up killing someone.

Iowa’s Rules of the Road

It’s unwise to break driving laws; it’s best to know the rules of the road to keep yourself and other drivers safe and to prevent fines and points from appearing on your record. Read on for rules you should follow.

Fault vs. No-Fault

Iowa is an “at-fault” state, which means the person who caused an accident is liable for paying all personal injury and property damage claims.

If you don’t have insurance or the right coverage, the costs of an accident can quickly drain your resources if you caused it. Be prepared! Though Iowa law doesn’t legally require you to have insurance, the Motor Vehicle Financial and Safety Responsibility Act has strict penalties for drivers in accidents who don’t have insurance. And it makes sense to buy more coverage beyond the minimum requirements.

Keep Right and Move Over Laws

Iowa’s “move over” laws are fairly simple.

If you drive slower than the speed of surrounding traffic, keep to the right lane. You would, of course, pass on the left, but in some cases, you can pass on the right:

If a vehicle turns left or is about to turn left
If four or more lanes of traffic are moving in the same direction

But, be careful! If you pass on the right when it’s unsafe to do so, you could be convicted of a misdemeanor.

It makes sense, for courtesy and safety, though the law requires it, to slow down or move over if you see a vehicle with flashing lights parked on the road.

You also must move over to the right and stop for vehicles with flashing lights. Some examples are below:

Parked emergency vehicles with flashing lights
Stationary tow, recovery, maintenance, waste vehicles, etc. with flashing lights
Any motor vehicle with flashing hazard lights

The video below describes the “move over” laws regarding vehicles parked along the side of the road:

These laws keep everyone safe. So, don’t forget to slow down or move over at the right time!

Speed Limits

Take note that these are only the maximum speed limits for each road type.

Rural Interstates	Urban Interstates	Other Limited Access Roads	Other Roads
70 mph	55 mph	75 mph	65 mph

No one likes to get speeding tickets. Get familiar with Iowa’s speed limits and pay attention to signs to avoid a ticket.

Seat Belt and Car Seat Laws

Iowa wants drivers on its roads to stay safe, so they have rules for buckling up. Read the mandatory seat belt laws below to avoid a fine.

Safety Belt Rules	Details
Effective Since	July 1, 1986
Primary Enforcement	Yes
Age/Seats Applicable	18+ years old in front seat
1st Offense Fine	$25 plus fees

Primary enforcement means that a police officer doesn’t need another reason to pull you over — he or she can give you a ticket just for not wearing a seat belt.

Keeping children safe in cars is another of Iowa’s priorities. If you have children, follow the rules below to protect them while you drive.

Required Car Seats	Age
Rear-Facing Seat	Younger than 1-year-old and less than 20 pounds
Child Restraint or Booster Seat	1 through 5-years-old
Adult Seat Belt Allowed	6 through 17-years-old
1st Offense Fine	$25

Iowa doesn’t have any laws against riding in the cargo areas of pick-ups but make sure you take care to keep yourself and your passengers safe.

Ridesharing

You might be familiar with ridesharing companies like Uber and Lyft. Working for these companies requires ridesharing insurance and usually a vehicle inspection.

If you want to join a ridesharing service, insurance is available from the following providers in Iowa:

Farmers
State Farm
USAA

In Iowa, ridesharing drivers must have properly registered vehicles with the minimum liability insurance amount and ridesharing insurance. And, remember your driving record. Ridesharing companies will check it, and any accidents or suspensions in the last three years will disqualify you from driving for them.

Automation on the Road

According to the Insurance Institute for Highway Safety (IIHS),

Automation is the use of a machine or technology to perform a task or function that was previously carried out by a human. In driving, automation involves using radar, camera and other sensors to gather information about a vehicle’s surroundings, which computer programs then use to do some or all of the driving on a regular basis.

Currently, Iowa has no restrictions on autonomous vehicles.

Iowa’s Safety Laws

But wait, there’s more! Let’s dig deeper into the safety laws in Iowa to protect you on the open road.

DUI Laws

In 2017, there were 88 alcohol-related deaths in Iowa. Drunk driving is a major problem nationwide, and to save lives, laws are in place to protect everyone. Details about Iowa’s drunk driving laws are below.

Impaired Driving Law in Iowa	Details
Name for Offense	Operating While Intoxicated (OWI)
BAC Limit	0.08
High BAC Categories	0.15
Criminal Status	1st serious misdemeanor 2nd aggravated misdemeanor 3rd+ class D felony
Look Back Period	12 years

Below are the specific penalties in place for drunk driving.

Number of Offense	License Suspension or Revocation and IID lock	IID Lock	Imprisonment	Fine	Other
1st Offense	180 days (may apply for temporary restricted license)	Must install IID if crash occurred or BAC > .10	48 hours up to 1 year Min 48 hours may be served in OWI program with law enforcement security	$625 up to $1,250 OR community service	Complete substance abuse evaluation and treatment program Might be assigned a reality education substance abuse prevention program
2nd Offense	2 years (not eligible for temporary restricted license for 45 days)	Not specified	7 days to 2 years	$1,875 to $6,250	Same as 1st offense
3rd Offense	6 years (not eligible for temporary restricted license for 45 days)	Not specified	30 days to 5 years	$3,125 to $9,375	Same as 1st offense
4th Offense	Same as 3rd offense	Same as 3rd offense	Same as 3rd offense	Same as 3rd offense	Same as 1st offense

Drunk driving can lead to fines, jail time, and a suspended license. Drunk drivers endanger themselves and everyone else, so don’t drink and drive.

Iowa is trying to curtail drunk driving. This video shows how police there are involved in a pilot program, “Place of Last Drink,” together with the National Liquor Law Enforcement Association, to crack down on drunk driving and overserving of liquor.

Marijuana-Impaired Driving Laws

Iowa is among the few states with zero tolerance for marijuana-impaired driving.

On top of that, marijuana, like other substances, can remain in your urine for up to a month, and be detected in hair samples for several months. If officers suspect marijuana use, they can still charge you for driving under the influence even if you used it weeks before.

Avoid the possibility of being caught. Driving under the influence of marijuana can result in fines, jail time, and other penalties.

Distracted Driving Laws

Distracted driving has become just as dangerous as driving under the influence. Smartphone use is often to blame. These are the following restrictions on cellphone use in Iowa:

Laws on Cellphones while Driving	Details
Hand-held ban	None
All use ban	Learner's permit and intermediate license holders
Texting ban	All drivers
Enforcement	Primary

Primary enforcement simply means that an officer can pull you over just for texting on your phone.

This Iowa Department of Transportation video details how someone who was texting while driving caused the unfortunate and untimely deaths of two young boys:

Iowa Can’t-Miss Facts

You now have a good understanding of the laws in Iowa, so let’s dive into the risks and statistics of the road.
Keep reading for fascinating facts about Iowa’s vehicle theft, driving fatalities, teen drinking, and EMS response time.

Vehicle Theft in Iowa

Some cars in Iowa are stolen more than others. If your car is stolen, comprehensive insurance may cover the costs of the car. That’s just one of the many reasons why it’s good to have car insurance.

Vehicle Make and Model	Vehicle Year	Total Stolen
Chevrolet Pickup (Full Size)	2002	258
Ford Pickup (Full Size)	2001	198
Chevrolet Impala	2005	101
Dodge Pickup (Full Size)	2004	93
Ford Taurus	2003	77
Jeep Cherokee/Grand Cherokee	2005	65
GMC Pickup (Full Size)	2007	60
Toyota Camry	1997	59
Dodge Caravan	2005	56
Pontiac Grand Prix	1999	56

Where you live is also a crucial risk factor in vehicle thefts. The FBI has collected data on 2013 vehicle theft by city, which we included below.

City	Number of Vehicle Thefts
Adel	2
Albia	5
Algona	1
Altoona	14
Ames	34
Anamosa	2
Ankeny	36
Bettendorf	12
Bloomfield	6
Blue Grass	0
Boone	15
Buffalo	2
Camanche	0
Carlisle	3
Carroll	11
Carter Lake	25
Cedar Falls	24
Cedar Rapids	297
Centerville	13
Chariton	5
Charles City	3
Cherokee	2
Clarinda	11
Clear Lake	8
Clinton	45
Clive	18
Coralville	11
Council Bluffs	541
Cresco	0
Davenport	239
De Witt	3
Decorah	3
Denison	10
Des Moines	850
Dubuque	60
Dyersville	3
Eagle Grove	3
Eldora	2
Eldridge	4
Emmetsburg	1
Estherville	4
Evansdale	2
Fairfield	9
Forest City	4
Fort Dodge	84
Fort Madison	12
Glenwood	13
Grinnell	6
Grundy Center	0
Hampton	0
Hawarden	1
Hiawatha	7
Humboldt	10
Indianola	19
Iowa City	82
Iowa Falls	1
Jefferson	0
Johnston	9
Keokuk	27
Le Claire	1
Le Mars	10
Leon	1
Lisbon	0
Manchester	4
Maquoketa	6
Marengo	0
Marion	17
Marshalltown	37
Mason City	30
Monticello	2
Mount Vernon	1
Muscatine	23
New Hampton	0
Newton	18
North Liberty	11
Norwalk	1
Oelwein	6
Orange City	3
Osage	1
Osceola	14
Oskaloosa	8
Ottumwa	69
Pella	2
Perry	8
Pleasant Hill	8
Prairie City	1
Red Oak	6
Sergeant Bluff	1
Sheldon	4
Shenandoah	9
Sioux City	240
Spencer	4
Spirit Lake	5
State Center	1
Storm Lake	11
Story City	0
Toledo	2
Urbandale	25
Vinton	3
Walcott	0
Washington	7
Waukee	1
Waukon	0
Waverly	8
Webster City	12
West Burlington	8
West Des Moines	76
West Liberty	1
Williamsburg	0
Wilton	1
Windsor Heights	6
Winterset	2

Iowa’s Crash Report

Risky and harmful behavior plays a big role in driving fatalities. We will take a closer look at Iowa’s traffic fatalities and some of the main factors in those accidents, such as speeding and underage drinking.

The National Highway Traffic Safety Administration (NHTSA) included one Iowa city on its list of traffic fatalities by city.

City	Total Killed 2016	Pedestrians Killed 2016	Fatality Rate per 100,000 Population
Des Moines City	20	5	9.28 percent

More deaths generally occur on rural than urban roads, but make sure you drive carefully wherever you are. Below, you’ll find NHTSA data on moving averages of fatalities by road type.

Road Type	2003-2005	2004-2006	2005-2007	2006-2008	2007-2009
Rural	345	348	364	347	335
Urban	82	78	81	86	75
Total	427	426	445	432	410

Person type (vehicle type and pedestrian vs. occupant) also plays a part in fatality rates.

Person Type	2013	2014	2015	2016	2017
Passenger Car	130	117	111	152	109
Light Truck - Pickup	38	53	71	53	54
Light Truck - Utility	43	32	42	54	42
Light Truck - Van	26	17	12	32	17
Light Truck - Other	0	1	0	0	0
Large Truck	10	11	6	11	18
Bus	0	0	0	0	2
Other/Unknown Occupants	6	15	4	8	10
Total Motorcyclists	41	52	41	60	48
Pedestrian	20	19	25	22	23
Bicyclist and Other Cyclists	3	4	5	8	5
Other/Unknown Non-occupants	0	1	3	2	2
Total	317	322	320	402	330

Crash type is also an important factor in fatality rates.

Crash Type	2013	2014	2015	2016	2017
Single Vehicle	169	167	168	203	182
Involving a Large Truck	61	48	61	70	67
Involving Speeding	51	45	49	94	70
Involving a Rollover	109	110	115	110	124
Involving a Roadway Departure	185	208	185	231	207
Involving an Intersection (or Intersection Related)	78	85	102	113	85
Total Fatalities (All Crashes)	317	322	320	402	330

Up next, crash statistics by counties in Iowa.

Below is the five-year trend for the top 10 counties in Iowa, which have some of the highest fatality rates in the state.

County	2013	2014	2015	2016	2017
Black Hawk County	12	5	10	11	8
Cerro Gordo County	3	6	7	6	12
Dubuque County	4	9	4	4	10
Iowa County	2	1	5	8	9
Johnson County	7	8	5	16	8
Linn County	12	14	5	20	16
Marshall County	3	5	4	4	12
Polk County	26	19	20	28	27
Pottawattamie County	9	16	13	13	12
Scott County	11	13	21	19	8
Top Ten Counties Total	113	111	124	151	122
All Other Counties Total	203	209	196	251	208
Overall Total	316	320	320	402	330

Speeding is a major cause of death in Iowa. Read on for the number of speeding fatalities in each county.

County Name	2013	2014	2015	2016	2017
Adair County	0	0	0	0	0
Adams County	0	0	0	0	0
Allamakee County	2	1	0	1	0
Appanoose County	1	0	2	3	0
Audubon County	0	0	0	0	1
Benton County	1	0	0	4	0
Black Hawk County	1	1	3	4	1
Boone County	0	2	0	2	0
Bremer County	0	0	0	0	0
Buchanan County	0	0	0	1	0
Buena Vista County	0	0	0	0	0
Butler County	0	0	1	0	0
Calhoun County	0	0	0	0	1
Carroll County	0	2	0	0	0
Cass County	0	1	0	6	1
Cedar County	0	0	1	1	1
Cerro Gordo County	1	0	1	0	9
Cherokee County	0	0	0	1	0
Chickasaw County	0	1	0	0	0
Clarke County	1	0	0	1	0
Clay County	1	2	0	0	0
Clayton County	0	0	0	1	0
Clinton County	0	0	1	0	0
Crawford County	0	0	1	2	0
Dallas County	2	0	0	4	0
Davis County	0	0	1	1	0
Decatur County	0	0	0	0	1
Delaware County	0	0	0	0	0
Des Moines County	0	1	0	0	0
Dickinson County	2	0	0	0	1
Dubuque County	0	1	1	2	3
Emmet County	0	0	0	0	0
Fayette County	0	5	0	1	2
Floyd County	1	0	0	0	0
Franklin County	0	0	0	0	0
Fremont County	0	0	0	0	2
Greene County	0	0	0	0	0
Grundy County	0	0	0	0	0
Guthrie County	0	1	0	0	0
Hamilton County	0	0	0	1	0
Hancock County	0	0	0	0	0
Hardin County	0	1	0	0	0
Harrison County	1	0	0	0	0
Henry County	0	0	1	1	0
Howard County	1	0	0	0	0
Humboldt County	0	0	0	0	0
Ida County	0	0	0	0	0
Iowa County	0	0	0	3	5
Jackson County	0	0	0	0	1
Jasper County	2	2	1	1	2
Jefferson County	0	0	0	0	0
Johnson County	1	0	0	1	3
Jones County	0	0	0	0	0
Keokuk County	1	0	0	0	0
Kossuth County	0	0	1	0	0
Lee County	0	1	1	2	1
Linn County	2	2	1	7	5
Louisa County	0	0	1	0	0
Lucas County	0	0	0	0	0
Lyon County	0	0	0	0	0
Madison County	0	2	0	1	1
Mahaska County	1	0	0	1	1
Marion County	0	0	1	1	1
Marshall County	0	3	0	0	0
Mills County	0	1	0	0	1
Mitchell County	0	0	0	0	0
Monona County	0	1	0	1	2
Monroe County	0	0	0	0	0
Montgomery County	0	0	0	0	0
Muscatine County	0	0	0	0	1
O Brien County	0	0	0	0	0
Osceola County	0	0	0	0	1
Page County	1	0	0	0	0
Palo Alto County	0	0	0	0	0
Plymouth County	0	0	0	0	2
Pocahontas County	0	1	0	0	0
Polk County	8	4	7	12	5
Pottawattamie County	3	1	1	4	0
Poweshiek County	0	1	0	1	0
Ringgold County	0	0	0	1	0
Sac County	2	0	0	2	2
Scott County	4	3	9	5	3
Shelby County	0	0	2	1	0
Sioux County	0	0	1	0	1
Story County	0	0	1	2	1
Tama County	0	0	0	2	2
Taylor County	1	0	0	1	1
Union County	0	0	0	0	0
Van Buren County	0	0	0	0	0
Wapello County	0	0	0	0	0
Warren County	2	2	1	0	1
Washington County	0	0	0	0	0
Wayne County	0	0	0	0	0
Webster County	1	0	2	2	1
Winnebago County	0	0	0	0	1
Winneshiek County	0	0	0	0	1
Woodbury County	5	1	6	6	0
Worth County	0	0	0	0	0
Wright County	2	0	0	0	1

Another major contributor to crash fatalities from drunk driving. Below, we’ve taken a look at deaths involving an alcohol-impaired driver.

County Name	2013	2014	2015	2016	2017
Adair County	0	5	0	2	0
Adams County	0	0	0	0	0
Allamakee County	2	1	1	2	1
Appanoose County	1	1	1	3	0
Audubon County	0	1	0	0	2
Benton County	3	3	1	3	1
Black Hawk County	3	1	2	1	1
Boone County	2	0	1	1	0
Bremer County	1	0	0	0	0
Buchanan County	0	0	1	1	0
Buena Vista County	0	1	1	0	0
Butler County	1	1	0	0	1
Calhoun County	0	1	0	1	3
Carroll County	0	3	0	1	2
Cass County	1	1	1	4	0
Cedar County	1	0	1	0	1
Cerro Gordo County	1	1	0	2	8
Cherokee County	0	0	1	1	0
Chickasaw County	0	1	0	1	0
Clarke County	0	0	0	0	0
Clay County	0	0	0	0	0
Clayton County	2	2	1	1	0
Clinton County	1	1	1	0	0
Crawford County	0	0	0	0	0
Dallas County	3	4	3	4	1
Davis County	0	0	0	0	0
Decatur County	0	1	0	0	2
Delaware County	2	0	0	0	0
Des Moines County	1	1	1	3	1
Dickinson County	0	0	0	1	1
Dubuque County	1	2	1	0	1
Emmet County	1	0	0	0	0
Fayette County	0	1	0	1	0
Floyd County	1	0	0	0	0
Franklin County	2	0	0	0	1
Fremont County	1	1	0	1	2
Greene County	0	0	0	2	0
Grundy County	1	0	0	0	0
Guthrie County	0	1	1	0	0
Hamilton County	0	0	0	2	0
Hancock County	3	0	0	0	2
Hardin County	0	1	1	1	0
Harrison County	0	1	1	0	0
Henry County	1	0	1	1	0
Howard County	0	0	0	0	0
Humboldt County	2	1	0	1	1
Ida County	0	0	1	0	0
Iowa County	0	0	1	1	2
Jackson County	0	1	0	1	0
Jasper County	1	0	0	1	1
Jefferson County	0	0	0	0	0
Johnson County	1	3	0	7	1
Jones County	1	3	1	0	0
Keokuk County	1	1	0	0	0
Kossuth County	1	0	1	0	0
Lee County	2	1	3	3	1
Linn County	4	4	0	4	1
Louisa County	0	2	1	0	0
Lucas County	0	0	0	1	1
Lyon County	2	0	0	0	0
Madison County	1	0	3	2	0
Mahaska County	0	2	1	0	0
Marion County	1	1	0	1	0
Marshall County	2	1	0	1	5
Mills County	1	1	0	1	1
Mitchell County	1	0	0	1	0
Monona County	1	0	2	2	2
Monroe County	0	0	2	1	0
Montgomery County	0	0	1	0	0
Muscatine County	0	0	0	2	1
O Brien County	1	0	1	0	0
Osceola County	0	1	0	1	2
Page County	1	1	0	0	0
Palo Alto County	0	0	0	0	1
Plymouth County	0	0	0	1	1
Pocahontas County	0	1	0	0	1
Polk County	7	6	7	10	6
Pottawattamie County	4	3	3	3	5
Poweshiek County	1	2	0	0	1
Ringgold County	0	0	0	0	0
Sac County	0	2	0	0	0
Scott County	6	5	10	6	1
Shelby County	1	0	0	0	0
Sioux County	1	0	0	1	0
Story County	0	1	1	0	1
Tama County	3	0	0	0	3
Taylor County	1	0	0	0	1
Union County	0	0	0	2	0
Van Buren County	0	0	0	0	0
Wapello County	0	0	1	2	1
Warren County	2	0	6	1	2
Washington County	0	2	0	0	2
Wayne County	0	0	0	0	2
Webster County	2	0	0	2	2
Winnebago County	0	1	0	0	0
Winneshiek County	1	0	1	2	1
Woodbury County	6	1	4	2	1
Worth County	0	1	0	0	0
Wright County	2	0	1	0	1

A sobering fact of drunk driving is that a percentage of the drivers are teens. In 2016, law enforcement arrested 71 underage Iowa drivers for drunk driving.

Iowa’s fatality rate for underage drunk driving is 0.8 deaths per 100,000 people, which is below the national average of 1.2 fatalities.

Iowa did, however, rank 20th in the U.S. for the number of underage alcohol-impaired arrests. Regardless of age, it’s important to never drive impaired.

Now that we have covered drunk driving fatalities and arrests, let’s look at EMS response times in Iowa.

EMS Response Time in Iowa

Accident victims need help to arrive quickly, so the lower the EMS response time, the better.

Type of Crash	Time of Crash to EMS Notification	EMS Notification to EMS Arrival	EMS Arrival at Scene to Hospital Arrival	Time of Crash to Hospital Arrival
Rural	6.21 min.	12.11 min.	32.39 min.	50.57 min.
Urban	3.88 min.	6.28 min.	19.72 min.	28.20 min .

Transportation in Iowa

Transportation takes us where we need to go and the residents of Iowa are definately on the go.

Car Ownership

Iowa has a fair number of cars on the road: the average household owns two cars. The next largest population is three-car owners followed by those that own a single car.

Commute Time

How many long do you spen in the car daily? In Iowa, the average person drives 18 minutes to work, which is below the national average of 25.3 minutes. 1.35 percent of Iowa’s commuters spend 90 minutes or more driving to work.

Commuter Transportation

We’ve looked at how many cars people own and commute times, but now we’re going to see how people commute. Driving alone is the most popular choice. Carpooling is the travel choice for 8.17 percent of workers in the state. Nearly five percent of Iowans work from home.

Congestion in Iowa

Now, let’s cover the average amount of time an Iowan spends in traffic. Good news! None of Iowa’s cities made INRIX’s Global Traffic Scorecard, which lists the worst cities for traffic congestion worldwide.

Because Iowans spend only 18 minutes on average commuting, they don’t sit in traffic for a long time.

Wow! We’re now at the end of this comprehensive guide, and you’re ready to drive through Iowa’s beautiful state. Start comparing car insurance rates today by entering your ZIP code below in our FREE online tool!

References:

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