Best Motorcycle Insurance in Iowa

Contributor, Benzinga

Want to jump straight to the answer? Most people prefer to insure their bike or motorcycle with Harley-Davidson Insurance Services.

Whether you’re a weekend road warrior who likes Iowa’s winding roads or a city commuter in Des Moines, you need motorcycle insurance coverage that matches your riding lifestyle. Start by obtaining customized quotes from our recommended carriers who routinely insure riders in Iowa.

Iowa Motorcycle Insurance: An Overview

You can expect to pay an average annual premium of $414 with a clean driving record.

Iowa State law also requires riders to provide proof of liability coverage with the following minimums:

  • $20,000 in coverage for bodily injury per person
  • $40,000 in coverage for bodily injury per incident
  • $15,000 in coverage for property damage per incident

Iowa Motorcycle Insurance Law Explained

Iowans must provide proof of insurance or financial responsibility before registering a bike. You’re responsible for any damages caused to 3rd parties if found at fault in the event of an accident. Riding uninsured could attract varying penalties like a license suspension, revoked registration or fines.

The minimum liability requirements in Iowa are fairly low compared to the property damage and medical costs for which you’d be responsible after an accident. Besides, liability coverage damages to other parties and not yourself or your bike. Here are some additional coverages you may need for extra protection.

  • Collision coverage: Collision coverage pays for damages to your motorbike as a result of a collision with another vehicle or object.
  • Uninsured/underinsured motorist: About 9% of riders in Iowa don’t have motorcycle insurance, so there’s almost a 1-in-9 chance of getting into an accident with an uninsured rider. You need uninsured motorist coverage to protect you if you’re involved in an accident with a rider who doesn’t carry insurance. 

You’ll also want to obtain underinsured coverage just in case you’re hit by a rider whose coverage is insufficient for the damages incurred.

  • Comprehensive coverage: Comprehensive coverage takes over where your collision coverage leaves off. It protects you against non-collision situations like damages by wind, fire, vandalism or theft.
  • Medical payment: Medical payment covers you and it pays for any costs associated with prescription medication, dental care and medical copays from your health insurance policy.
  • Custom accessories: A custom accessories policy covers any aftermarket equipment and parts not originally installed by the manufacturer.

Iowa Motorcycle Traffic Laws You Should Know

You may start riding on Iowa public roads at 14 years old provided you’ve passed a written knowledge test to receive your motorcycle instruction permit. After obtaining your permit, you may ride with an immediate family member who is at least 21 years old and has an endorsement or a rider who’s at least 25 years and holds a motorcycle endorsement.

You’ll need to pass a written knowledge test, driving test and a vision screening to acquire your full motorcycle license or endorsement on your driver’s license.

Here are other motorcycle traffic laws you must adhere to when riding on Iowa public roads.

  • Passengers: Your bike must have a permanently attached seat and separate footrests to carry a passenger. You’re not allowed to carry more than 1 person unless your bike is designed to accommodate an extra person.
  • Load handling: You’re prohibited from operating a motorbike while holding onto packages, bundles or other items that prevent you from placing both hands on the handlebars.
  • Handlebars: The state law prohibits riders from operating motorbikes whose handlebar height is above their shoulders while seated.
  • Helmet use: It isn’t mandatory for riders to use helmets but the state’s Department of Transportation recommends helmet use for safety.
  • Eye protection: Eye protection isn’t mandatory for riders but it is recommended that you have a plastic shatter-resistant face shield to protect your face. You may also wear goggles.
  • Mirror use: Your bike must have at least 1 mirror.
  • Headlamp use: You must always have your headlights on at all times during the day.
  • Lane use: Any motorbike rider is entitled to full use of the lane and shouldn’t deny another road user full use of the lane. Riders can ride side by side in the same lane but can’t ride between rows of traffic (lane splitting).
  • Driving under influence: You’re considered driving under the influence if you register a blood alcohol content of 0.08%. A conviction for riding under the influence of alcohol or other drugs may attract penalties like license revocation or fines.

Iowa Motorcycle Insurance Rates Per Bike

The average annual cost of a motorcycle insurance policy with a clean driving record in Iowa is $414 – one of the lowest in the nation. The rate you’ll pay for motorcycle insurance depends on the provider’s opinion of how likely you are to make a claim, and if you do, how expensive the claim will be. 

The most obvious factors will include your age, where you live, riding record and how you use your bike. Insurers will also consider the type of bike you own when calculating your premium rates. 

The cost of claims for repairs and damage will probably be higher if you’re riding a more expensive bike, which translates into a higher premium. Classic bikes may not be as expensive but the scarcity of their spare parts could increase your premium.

When evaluating the type of bike, insurers also consider the make and model. A powerful Harley-Davidson superbike will cost more to insure than a standard street bike with a lower engine capacity and performance. More power will not always cost more to insure since insurers will consider your riding experience and riding habits when calculating your premium.

Insurance carriers take a dim view of riders who modify their bikes. Modified motorbikes are more prone to theft, increasing your chances of making a claim. Similarly, modifications to improve bike performance may increase your chances of getting into an accident — making you a higher-risk rider.

Inform your insurer if you’ve modified your bike otherwise you could invalidate your policy or be underinsured. Security features on your bike can also make a difference on your premium. Speak with your insurer to have features like bike locks, immobilizers or ground anchors factored in your premium calculation, if you have them.

Motorcycle Insurance Quotes in Iowa

Here are quotes for 1-year policies from the top motorcycle insurance companies in Iowa.

CompanyQuote for a 1-year policyPrice Rating
Farm Bureau$6984
Harley Davidson Insurance$1,062.492
National General$4875

Motorcycle Insurance Discounts

The right combination of insurance discounts will help make your insurance rates more affordable. Here are money-saving discounts you can score from top providers in Iowa.

CompanyDiscounts OfferedOverall Rating
Farm BureauMultiple bike discount, loyalty discount, homeowner discount, claims-free discount and a smart rider discount3.7
Harley-Davidson InsuranceMultiple bike discount, loyalty discount, homeowner discount, riding group discount, claims-free discount, rider experience discount, anti-theft discount, safety course discount and a motorcycle driver’s license discount3.7
AmeripriseMultiple bike discount, loyalty discount, claims-free discount, smart rider discount, anti-lock brake discount, anti-theft discount and a safety course discount4.0
National GeneralMultiple bike discount, homeowners discount and a claims-free discount4.7
GEICOTransfer discount, multiple bike discount, loyalty discount, homeowner discount, rider experience discount, anti-theft discount and a safety course discount5.0

Best Motorcycle Insurance Providers in Iowa

Finding the right motorcycle insurance cover means finding the right policy to match your riding lifestyle. Use the table below to compare rates, policy features and discounts from the top providers in Iowa.

Mobile App
Get Quote Online
1 Minute Review

Dairyland is an auto and motorcycle insurance provider offering policies throughout the United States. Although the company isn’t available in every state, it’s an affordable choice for anyone who lives within its service area. In our review, Dairyland offers among the most affordable quotes for a 1-year policy. The company also maintains a high number of positive reviews on sites like Trustpilot and its generous discounts can lower your premiums even further.

Best For
  • Riders looking for the most affordable motorcycle insurance available
  • Riders looking for a wide range of coverage options
  • Exceptionally affordable insurance options; very low quote for a 1-year policy
  • Wide range of policies and add-on protections available
  • Easy, guided claims process assisted by a representative
  • Simple mobile app that allows you to track your claims and benefits
  • High number of positive customer reviews
  • Not currently available in all states
  • Fewer discounts available than some competitors
Mobile App
Get Quote Online
1 Minute Review

Progressive is the top provider of motorcycle insurance in the nation. It’s the preferred choice of over 30% of riders and offers flexible policies that can be tailored to fit your needs. 

Whether you have a custom, touring, dirt bike, ATV or some other bike, you can get the coverage you need at a price you can afford. 

This in-depth review takes a closer look at Progressive’s motorcycle insurance. 

Best For
  • Coverage for vandalism, theft, collisions and more
  • Supplemental coverages
  • Customizable policies
  • Affordable premiums
  • Extensive standard coverages
  • Discounts to help you save
  • Refunds can be denied for canceled policies
  • Delayed repairs during the claims process
Best For
Comprehensive coverage/Business Owners’ Policy
1 Minute Review

If you own a Harley-Davidson motorcycle, you may want to protect your vehicle with a unique policy from Harley-Davidson Insurance. Harley-Davidson Insurance offers policies for nearly every type of motorcycle, and you can even claim a policy that provides enhanced protections for any upgrades you’ve made to the vehicle. If your motorcycle is your primary form of transportation, you’ll love Harley-Davidson Insurance’s rental replacement coverage option.

However, these unique policies come at a price — in our review, policies from Harley-Davidson Insurance were significantly more expensive than most competitors. The cost of your policy might be offset by Harley-Davidson’s generous list of discounts, available for everything from brand loyalty to experience on the road.

Best For
  • Riders with custom bikes that need extra protection
  • Riders who use their motorcycle as their primary form of transportation
  • Riders who want additional coverages beyond state-minimum requirements
  • Wide range of coverages available
  • Generous number of discounts; special discounts unique to Harley-Davidson owners
  • More expensive than competitors
  • Cannot bundle together auto and motorcycle insurance

Safeguard Your Ride with the Right Cover

Deciding which insurance coverages make sense for your motorbike may seem straightforward when you compare quotes from multiple providers. While you only need to obtain the state minimum coverage to be legal on Iowa public roads, you may easily come short of full coverage.

Our recommended carriers may offer additional coverage options to help you manage a wide range of risks on yourself and your bike.

Money-saving Motorcycle Insurance

Harley-Davidson Insurance Services provides services as a trusted motorcycle insurance agency that knows all about the motorcycle lifestyle. The company stands behind its policies with industry-leading services, coverage and support. You’ll also get money-saving motorcycle insurance discounts and experienced customer service and claims support. 

You can get Harley-Davidson Insurance today with a free, quick quote.