Cheap Iowa Car Insurance

Find affordable auto insurance that works for you in Iowa. Compare quotes from over 100 top companies.

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The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

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. Read on to learn how much auto insurance costs in Iowa based on the most common rating factors. Or, take the wheel and let us help you save on insurance by using our quote comparison tool.


 

Affordable insurance companies in Iowa

What's the cheapest car insurance in Iowa?
Rank Company Name Avg. Annual Premium
1 Partners Mutual $1,003
2 State Farm $1,048
3 Pekin Insurance $1,050
4 Nationwide $1,066
5 Hastings Mutual $1,159
6 Progressive $1,341
7 Western National $1,528
8 Grinnell Mutual $1,627
9 Farmers $1,848
10 Dairyland $2,244

Receive quotes from dozens of companies that provide coverage throughout Iowa. Enter your ZIP code below to get started.

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Cheap auto 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 $183 15.25%
No Accidents $566 35.80%
Good Credit $704 40.96%

Cheap auto 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.

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

Cheap auto 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 less than stellar 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 Factor Annual Rate % Increase
At-Fault Accident $1,581 35.80%
DUI $1,737 41.57%
Speeding Violation $1,197 15.25%
Bad Credit $1,719 40.96%

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Top rated car insurance companies in Iowa

Each auto insurance company emphasizes its cheap rates. But as with any service, the lowest-priced 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 Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

Allstate Average Average Superior 4.3 / 5
American Family Above average Excellent Excellent 4.3 / 5
Farmers Excellent Below average Excellent 4.3 / 5
Nationwide Average Poor Superior 4.3 / 5
Partners Mutual N/A N/A N/A N/A
Pekin Insurance N/A N/A Excellent N/A
Progressive Below average Below average Excellent 4.3 / 5
Safeco Average Average Excellent N/A
State Farm Above average Above average Superior 4.5 / 5
USAA Excellent Excellent Superior 4.6 / 5

 

Iowa auto 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

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.

Learn more about car insurance requirements in Iowa

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How tickets change insurance rates in Iowa

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.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $1,703 72% $715
Refused Breathalyzer/Chemical Test $1,612 63% $624
DUI $1,612 63% $624
Racing $1,703 72% $715
Reckless Driving $1,703 72% $715
Driving with a Suspended License $1,668 69% $681
At-Fault Accident $1,483 50% $496
Driving with an Open Container $1,508 53% $520
Operating a Vehicle Without Permission $1,398 42% $410
Passing a School Bus $1,376 39% $388
Improper Passing $1,221 24% $234
Following Too Closely $1,177 19% $190
Speeding $1,195 21% $207
Failure to Stop at a Red Light $1,210 23% $223
Illegal Turn $1,210 23% $223
Driving Wrong Way/Wrong Lane $1,221 24% $234
Failure to Yield $1,210 23% $223
Speeding in a School Zone $1,198 21% $210
Driving Too Slowly $1,187 20% $199
Distracted Driving $1,170 18% $182
Driving with Expired Registration $1,051 6% $64
Failure to Show Documents $1,051 6% $64
Not-at-Fault Accident $1,092 11% $105
Failure to Use Child Safety Restraint $1,021 3% $33
Failure to Wear a Seat Belt $995 1% $7
Driving Without Lights $1,013 3% $26

 

Iowa car insurance FAQs

Who actually has the cheapest car insurance in Iowa?

Our partners Liberty Mutual ($501) and State Farm ($524) offer the cheapest rates for a 30-year-old male driver with an owned Honda Accord. If you're searching for car in Iowa, we recommend starting but not finishing your search for car insurance with these companies. Use our free online comparison tool to see which rates and coverage fit you.

What is the average cost of auto insurance in Iowa?

The average cost of car insurance in Iowa is 37% cheaper than the national average. Our data shows that Iowa drivers pay $508 for car insurance every six months.

Is car insurance required in Iowa?

If you're driving on a public road in Iowa, your vehicle needs to be registered and insured at or above the state's liability limits.

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.

Rank City Avg. Annual Premium
1 Council Bluffs $1,402
2 Waterloo $1,139
3 Sioux City $1,128
4 Davenport $1,104
5 Des Moines $1,088
6 Cedar Rapids $1,051
7 Iowa City $967
8 West Des Moines $959
9 Ames $942
10 Ankeny $931

 

Recent Questions:

Can I remove a ticket for no insurance if I get insurance now?

No - even if you had a policy begin that day, it would not help getting your ticket dismissed. Because insurance is required in your state, you will still need to have insurance.
Aug 16, 2018 Marshtown, IA

Will my car insurance cover me after a theft

It really depends on the nature of your coverage. If you have comprehensive coverage, the damage to your vehicle and speakers can be covered.
May 14, 2018 Des Moines, IA

Can I file a claim after a hit and run?

For your vehicle to be covered you will need to have had comprehensive and collision (some people call this full coverage) on your policy. If you do have this coverage then it is likely that your company will fix your vehicle after you pay the deductible.
Aug 19, 2016 Des Moine, IA

Should I file a claim for $1,000 of damage?

What you should consider is paying for the claim out of pocket (so, the $1,000 in estimated repairs) is greater or less than your deductible plus the rate increase you will receive. Your insurance company will see this claim as an at-fault car accident and thus will raise your rates as a result.
Mar 7, 2018 Des Moises, Iowa

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.