Cheap Iowa Car Insurance

Compare the best rates from 33 car insurance companies in Iowa.

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Here's what you need to know when driving in Iowa

Across the Hawkeye State, there are 235,460 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

 


 

Cheap car insurance in Iowa

What's the cheapest car insurance in Iowa?
RankCompany NameAvg. Annual Premium
1Farm Bureau Mutual (IA Group)$836
2Partners Mutual$1,003
3Travelers$1,010
4State Farm$1,048
5Pekin Insurance$1,050
6Nationwide$1,066
7USAA$1,095
8Hastings Mutual$1,159
9General Casualty$1,239
10IMT Insurance Company$1,254
11MetLife$1,285
12American Family$1,291
13Progressive$1,341
14Western National$1,528
15Grinnell Mutual$1,627
16Cameron$1,811
17GEICO$1,814
18Farmers$1,848
19Sentry$2,083
20Allstate$2,091
21Victoria$2,107
22Dairyland$2,244
23Metropolitan$2,366

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Cheap Insurance for Good Drivers in Iowa

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Iowa drivers without a recent at-fault accident typically save 35% on their car insurance premiums, which eclipses the national average of 32%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor$ Savings% Savings
No Traffic Tickets$18315.25%
No Accidents$56635.80%
Good Credit$70440.96%

Cheap Insurance for Young Drivers in Iowa

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. Iowa is a relatively affordable state for teen drivers: the typical teen driver pays $3,709 per year — about $1,200 less than the national average for teens but still more than three times more expensive than the average rates for all Iowans.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$4,320$4,072
17$4,159$3,573
18$4,226$3,233
19$3,591$2,504

Cheap Car Insurance for Bad Drivers in Iowa

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 41% after a DUI, 35% after an at-fault accident, and 15% after a speeding ticket in Iowa. The post-citation penalties assessed by car insurance companies in the Hawkeye State roughly align with national averages. If you have a clean driving history, be sure to inquire about your insurance company's safe driver discount.

Rating FactorAnnual Rate% Increase
At-Fault Accident$1,58135.80%
DUI$1,73741.57%
Speeding Violation$1,19715.25%
Bad Credit$1,71940.96%

What are the Best Car Insurance Companies in Iowa?

Each auto insurance company emphasizes its cheap rates. But as with any service, the most affordable car insurance is not always the best choice. Considering the stakes, it's worthwhile to do the homework to find an insurance policy that covers your car adequately after an incident. Consider being patient to find a great value, instead of settling for the most affordable auto insurance available.

Compare top auto insurance companies' financial strength and claims satisfaction ratings to better predict the quality of service they will provide. Claims satisfaction — measured by J.D. Power — is rated on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Superior" to "Poor" — evaluates an insurance company's financial strength and ability to fulfill its contractual and policy obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Allstate3Superior
American Family4Excellent
EMCNot RatedExcellent
GEICO3Superior
GrinnellNot RatedExcellent
Liberty Mutual3Excellent
MetLife3Superior
Nationwide4Superior
Progressive3Superior
Safeco3Excellent
State Farm3Superior
Travelers3Superior
USAA5Superior
Victoria3Superior
Western NationalNot RatedSuperior

 

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What is the Best Car Insurance Coverage in Iowa?

The minimum insurance requirement in Iowa is $20,000 Bodily Injury per person, $40,000 Bodily Injury per accident, and $15,000 Property Damage per accident.

If you carry the minimum required coverage in Iowa, expect to pay a mean of $332 yearly. This outlay is cheaper than the national average by 50%. If you choose better coverage, you can choose a policy with comprehensive and collision coverage, which will protect against damages caused by car-versus-car accidents, theft, or weather incidents. Better insurance comes at a cost: in Iowa, a comprehensive insurance policy with a $1,000 deductible costs $857, 158% more than liability-only coverage. For comprehensive insurance coverage with a $500 deductible, expect to pay 207% more than you might for a basic policy.

Analyze mean rates for basic, good, and great coverage tiers in the table below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Iowa$331.86$856.75$1,017.82
National Average$657.66$1,241.26$1,397.94

Car Insurance Laws

State minimum insurance requirements in Iowa

In Iowa, drivers are required to maintain liability coverage at minimum levels of:

  • Bodily Injury $20,000 per person
  • Bodily Injury $40,000 per accident
  • Property Damage $15,000 per accident
Optional coverage in Iowa (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury

Learn more about car insurance requirements in Iowa

Iowa Car Insurance FAQs

Do I have to have car insurance in Iowa?

Yes. Car insurance is legally required in Iowa at the state's minimum liability requirements. If you have a loan or lease on the vehicle, you may need additional coverage as specified in your leasing or loan agreement.

Is Iowa a no-fault state for car insurance?

No. Iowa is a tort state. If you were in a car accident, the at-fault driver would be responsible for any and all damage caused.

Can I drive someone else's car in Iowa without insurance?

No. Because car insurance is a legal requirement in Iowa, you risk being ticketed for driving without insurance. Regardless of whether you own the vehicle, you could have your license suspended.

How much does car insurance cost in Iowa cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Ankeny, Iowa, and the most expensive in Council Bluffs, Iowa.

RankCityAvg. Annual Premium
1Council Bluffs$1,402
2Waterloo$1,139
3Sioux City$1,128
4Davenport$1,104
5Dubuque$1,102
6Des Moines$1,088
7Fort Dodge$1,081
8Ottumwa$1,071
9Cedar Falls$1,071
10Cedar Rapids$1,051
11Clinton$1,050
12Marshalltown$1,047
13Bettendorf$1,040
14Marion$1,031
15Burlington$1,027
16Muscatine$997
17Mason City$969
18Iowa City$967
19West Des Moines$959
20Clive$956
21Urbandale$952
22Ames$942
23Coralville$941
24Johnston$932
25Ankeny$931

Recent Iowa Car Insurance Questions and Answers

If an at-fault driver loses my insurance information, do I have to give it to them again?

There is no law requiring you to give the other party your insurance information again. With that said, when they file the claim, their company will likely find your insurance information.

Will my car insurance coverage personal property damage?

I'm sorry but your insurance would not cover damage that you did to your personal property with your vehicle. Your homeowners would cover your personal property would be a deductible would apply.

Can I drop my 18yo from my car insurance policy?

It depends. Does your daughter still live in your household and drive your car?

What happens if I get a ticket a few hours before getting insurance?

No, if you get insurance the same day as the ticket, it will not cover the ticket. Since both the ticket and the insurance policy are time-stamped, the DMV would see that at the time of the ticket your policy was not active.


Driving Laws

Iowa Texting and Driving Laws

  • Ban on all cell phones for drivers with Restricted or Intermediate Licenses.
  • Ban on text messaging for all drivers

Iowa DUI Laws

In Indiana, a driver’s first OWI offense is considered a serious misdemeanor. A second offense is declared an aggravated misdemeanor. Third and subsequent OWI offenses are class D felonies.

The OWI lookback period in Iowa is 12 years. Repeated OWI offenses will result in harsher sentences and penalties.

In all cases, drivers convicted of an OWI in Iowa must:

  • Complete a course for driving under the influence
  • Complete a substance abuse evaluation and treatment or undergo rehabilitation

First-time OWI offenses in Iowa lead to:

  • 48 hours to one year in jail
  • $1,250 in fines (possibility of a waiver of up to $625 if the DUI did not cause injury or damage)
  • 180-day license revocation
  • Possibility of being assigned to complete community service
  • Vehicle may be impounded for 180 days
  • Interlock ignition device required if BAC reads 0.10% or higher

How Do Tickets Impact Iowa Car Insurance Rates?

If you receive a ticket or citation, your auto insurance rates may rise. By how much depends on the type of violation, your car insurance company's pricing standards, and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a snapshot of typical auto insurance rates in Iowa after a few common citations.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$1,70372%$715
Refused Breathalyzer/Chemical Test$1,61263%$624
DUI$1,61263%$624
Racing$1,70372%$715
Reckless Driving$1,70372%$715
Driving with a Suspended License$1,66869%$681
At-Fault Accident$1,48350%$496
Driving with an Open Container$1,50853%$520
Operating a Vehicle Without Permission$1,39842%$410
Passing a School Bus$1,37639%$388
Improper Passing$1,22124%$234
Following Too Closely$1,17719%$190
Speeding$1,19521%$207
Failure to Stop at a Red Light$1,21023%$223
Illegal Turn$1,21023%$223
Driving Wrong Way/Wrong Lane$1,22124%$234
Failure to Yield$1,21023%$223
Speeding in a School Zone$1,19821%$210
Driving Too Slowly$1,18720%$199
Distracted Driving$1,17018%$182
Driving with Expired Registration$1,0516%$64
Failure to Show Documents$1,0516%$64
Not-at-Fault Accident$1,09211%$105
Failure to Use Child Safety Restraint$1,0213%$33
Failure to Wear a Seat Belt$9951%$7
Driving Without Lights$1,0133%$26

Iowa Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Iowa area, while also getting an insider view of the Hawkeye State.

Prompt

So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2020

Notification

Winner(s) will be selected and notified by email by January 31st, 2021

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.


Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.

Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.