Iowa motorcycle insurance

What are the minimum requirements for motorcycle insurance in Iowa?

Iowa motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage may pay for injuries and damages you cause to others while riding, up to your policy's limits. You can increase the amount of liability coverage, if necessary, in order to more fully protect your assets.

Iowa also requires uninsured/underinsured motorist bodily injury coverage, but you may reject or lower these coverages with the submission of a signed form.

Do you need comprehensive and collision coverage?

The state of Iowa doesn't mandate comprehensive motorcycle coverage or collision motorcycle coverage, but both coverages offer motorcycle owners a way to protect their bike against physical damage and loss. Comprehensive may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, or weather-related issues. Collision can cover damages to your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Iowa?

In 2023, the annual cost for a Progressive motorcycle insurance policy in Iowa with liability coverage only was $171.03.^* Many factors influence your price for motorcycle insurance, including your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

What's the best motorcycle insurance in Iowa?

Nearly one in three insured motorcycle riders choose Progressive.^** Whether you ride in Des Moines, Cedar Rapids, or Ames, the best motorcycle insurance features reliable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Iowa for motorcyclists without eliminating the valuable protection you need for peace of mind while riding.

You can decrease the cost of motorcycle insurance in Iowa with motorcycle insurance discounts, such as:

• Multi-policy discount
• Motorcycle license/endorsement discount
• Safe and steady rider discount
• Safety course discount
• Association membership discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Iowa

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

• Motorcycle accessory coverage: Can pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels
• Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
• Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
• Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
• Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
• Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in Iowa

1. Iowa is one of three states in the U.S. that doesn't require motorcycle riders or passengers to wear a helmet while riding.
2. To legally operate a motorcycle in Iowa, you must have a valid motorcycle instruction permit, motorcycle endorsement, or a Class M license, which is a motorcycle-only license.
3. Iowa license plate laws dictate that all plates are to be securely fastened in a horizontal position, and the bottom of the plate should be at least 12 inches from the ground.

Get Iowa motorcycle insurance