Colorado vs Iowa Car Insurance

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

Quick Verdict

More Affordable

Iowa is $750/yr cheaper on average.

Fewer Uninsured

Iowa has a lower uninsured rate (8.6% vs 11.2%).

Rate & Coverage Comparison

Attribute	Colorado	Iowa
Avg Annual Premium	$2,100	$1,350
Min Liability	$690	$440
Full Coverage	$2,100	$1,350
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.2%	8.6%
Registered Vehicles	4,734,680	2,615,800
Accidents/Year	71,020	39,237
Population	5,774,000	3,190,000

Minimum Coverage Requirements

Colorado

25/50 / 15 liability

Iowa

20/40 / 15 liability

Premium Comparison

Colorado$690 – $2,100

Liability: $690Avg: $2,100Full: $2,100

Iowa$440 – $1,350

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

ColoradoFull rates, age breakdown, requirements →IowaFull rates, age breakdown, requirements →

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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, Colorado or Iowa?

Iowa has cheaper car insurance, with an average annual premium of $1,350 compared to $2,100 in Colorado - a difference of $750 per year.

How do Colorado and Iowa compare on fault systems?

Colorado 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 Colorado vs Iowa?

Colorado requires 25/50 / 15 liability. Iowa requires 20/40 / 15 liability. Minimum liability costs $690/yr in Colorado and $440/yr in Iowa.

Which state has more uninsured drivers, Colorado or Iowa?

Colorado has a higher uninsured driver rate at 11.2%, compared to 8.6% in Iowa. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Colorado 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.

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Attribute

Colorado

Iowa

Avg Annual Premium

$2,100

$1,350

Min Liability

$690

$440

Full Coverage

$2,100

$1,350

Fault System

At-Fault (Tort)

Uninsured Rate

11.2%

8.6%

Registered Vehicles

4,734,680

2,615,800

Accidents/Year

71,020

39,237

Population

5,774,000

3,190,000