Alaska vs Iowa Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Iowa is $230/yr cheaper on average.

Fewer Uninsured

Iowa has a lower uninsured rate (8.6% vs 10.2%).

Rate & Coverage Comparison

Attribute	Alaska	Iowa
Avg Annual Premium	$1,580	$1,350
Min Liability	$510	$440
Full Coverage	$1,580	$1,350
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	10.2%	8.6%
Registered Vehicles	601,060	2,615,800
Accidents/Year	9,015	39,237
Population	733,000	3,190,000

Minimum Coverage Requirements

Alaska

50/100 / 25 liability

Iowa

20/40 / 15 liability

Premium Comparison

Alaska$510 – $1,580

Liability: $510Avg: $1,580Full: $1,580

Iowa$440 – $1,350

Liability: $440Avg: $1,350Full: $1,350

AlaskaFull rates, age breakdown, requirements →IowaFull rates, age breakdown, requirements →

📊

CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Alaska or Iowa?

Iowa has cheaper car insurance, with an average annual premium of $1,350 compared to $1,580 in Alaska - a difference of $230 per year.

How do Alaska and Iowa compare on fault systems?

Alaska uses a at-fault (tort) system while Iowa uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Alaska vs Iowa?

Alaska requires 50/100 / 25 liability. Iowa requires 20/40 / 15 liability. Minimum liability costs $510/yr in Alaska and $440/yr in Iowa.

Which state has more uninsured drivers, Alaska or Iowa?

Alaska has a higher uninsured driver rate at 10.2%, compared to 8.6% in Iowa. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Alaska vs Iowa insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

Explore the DataPeek Network

LawyerCostPeek DivorceLawPeek EvictionLawPeek LicenseWize DMVPeek FloodRiskPeek VocabWize VocabLibre DicionarioWize WortWize KalimaWize KotobaPeek NameBlooms WagePeek NetPayPeek SalaryByCity

Attribute

Alaska

Iowa

Avg Annual Premium

$1,580

$1,350

Min Liability

$510

$440

Full Coverage

$1,580

$1,350

Fault System

At-Fault (Tort)

Uninsured Rate

10.2%

8.6%

Registered Vehicles

601,060

2,615,800

Accidents/Year

9,015

39,237

Population

733,000

3,190,000