IAA Fees Explained: Complete Buyer's Guide 2026

IAA (Insurance Auto Auctions) uses a 35-tier buyer premium system that's more complex than Copart's. Here's every fee explained so you know your true cost before bidding.

IAA Buyer Premium

Unlike Copart's simple percentage tiers, IAA uses a graduated flat-fee system for lower bids that transitions to percentages at higher amounts. The premium depends on your exact bid amount and can range from 10% to over 25% on low-value vehicles.

Key ranges:

$0 - $99$25 flat$100 - $199$25-50 flat$200 - $499$50-100 flat$500 - $999$125-180 flat$1,000 - $1,999$200-300 flat$2,000 - $4,999~12-15%$5,000 - $9,999~10-12%$10,000+~8-10%

Other IAA Fees

Gate/Yard Fee$95Internet Bid FeeTiered ($0-159)Environmental Fee$15Title Fee$20

IAA vs Copart Fees: Quick Comparison

At low bid amounts (under $2,000), IAA is generally cheaper than Copart. At higher amounts ($5,000+), they're comparable. IAA's graduated system benefits budget flippers buying cheap cars.

The biggest difference: IAA often provides an ACV (Actual Cash Value) and insurance repair estimate on listings, giving you more data to work with before bidding. Copart doesn't always show this.

Calculate Your Exact IAA Cost

Don't guess — calculate it. Use our free IAA fee calculator to see your exact out-the-door cost, or paste any IAA listing into sendit scan for a full breakdown including fees, shipping, repairs, and profit projection.

Know your real cost before you bid.

Paste any IAA listing URL. Fees, repairs, and profit in 15 seconds.

Try sendit scan freeFee calculator