Iowa vs Minnesota Car Insurance

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

Quick Verdict

More Affordable

Iowa is $210/yr cheaper on average.

Fewer Uninsured

Minnesota has a lower uninsured rate (7.9% vs 8.6%).

Rate & Coverage Comparison

Attribute	Iowa	Minnesota
Avg Annual Premium	$1,350	$1,560
Min Liability	$440	$510
Full Coverage	$1,350	$1,560
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	8.6%	7.9%
Registered Vehicles	2,615,800	4,679,740
Accidents/Year	39,237	70,196
Population	3,190,000	5,707,000

Minimum Coverage Requirements

Iowa

20/40 / 15 liability

Minnesota

30/60 / 10 liability

Premium Comparison

Iowa$440 – $1,350

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

Minnesota$510 – $1,560

Liability: $510Avg: $1,560Full: $1,560

IowaFull rates, age breakdown, requirements →MinnesotaFull 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, Iowa or Minnesota?

Iowa has cheaper car insurance, with an average annual premium of $1,350 compared to $1,560 in Minnesota - a difference of $210 per year.

How do Iowa and Minnesota compare on fault systems?

Iowa uses a at-fault (tort) system while Minnesota uses a no-fault system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Iowa vs Minnesota?

Iowa requires 20/40 / 15 liability. Minnesota requires 30/60 / 10 liability. Minimum liability costs $440/yr in Iowa and $510/yr in Minnesota.

Which state has more uninsured drivers, Iowa or Minnesota?

Iowa has a higher uninsured driver rate at 8.6%, compared to 7.9% in Minnesota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Iowa vs Minnesota 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

Iowa

Minnesota

Avg Annual Premium

$1,350

$1,560

Min Liability

$440

$510

Full Coverage

$1,350

$1,560

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

8.6%

7.9%

Registered Vehicles

2,615,800

4,679,740

Accidents/Year

39,237

70,196

Population

3,190,000

5,707,000