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

The average car insurance rate in Iowa is $1,218 per year — 20% less than the U.S. average. Car insurance rates are impacted by more than just your location. Auto insurance rates comprise many factors, including a driver's age and driving history. The Zebra's experts analyzed average Iowa car insurance rates for these rating factors in an effort to help you find an affordable policy.

Read on to learn how much auto insurance costs in Iowa based on these variables, or submit your ZIP code above to receive personalized quotes from top insurers.

The best car insurance companies in Iowa

Based on data from J.D. Power's 2021 Auto Satisfaction Study and The Zebra's Customer Satisfaction Survey, we have compiled a list of the best car insurance companies in Iowa.

1st place medal
USAA

Along with topping The Zebra's Customer Satisfaction Survey, USAA received a score of 897 (out of 1,000) in J.D. Powers' 2021 U.S. Auto Insurance Study for the state of Iowa.

2nd place medal
Shelter Insurance

As a highly-rated regional carrier, Shelter Insurance scored an 856 on J.D. Power's 2021 auto study.

3rd place medal
Farmers

Farmers placed third in this region with a score of 848 in J.D. Power's 2021 Auto Insurance Study. This carrier also received 4.3 stars out of 5 in The Zebra's Customer Satisfaction Survey. 

Key takeaways
  • Iowa drivers pay about 20% less for car insurance on average
  • The cheapest major car insurance company is State Farm

The cheapest car insurance companies in Iowa

These companies offer the cheapest rates in the following scenarios.

medal
Cheapest full coverage insurance: State Farm

The cheapest rates are from State Farm at $891 annually, or $74 per month.

medal for most affordable
Cheapest for minimum liability: State Farm

For the minimum required coverage in Iowa, State Farm is the cheapest on average. 

Most affordable medal
Cheapest for DUI: State Farm

If you have a DUI on your record, check out State Farm for the cheapest average rates.

Company Avg. Annual Premium
State Farm $1,167
USAA $1,276
Travelers $1,514
Progressive $1,650
GEICO $1,687
Nationwide $1,742
Farmers $2,315
Updated: 05/26/22.

Dynamic auto insurance data methodology

Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.


Iowa auto insurance laws

Car insurance is mandatory in almost every state, including Iowa. If you choose the legal minimum coverage level in Iowa, expect to pay an average of $270 annually. This expenditure is less expensive than the nationwide average by 50%.

For the legal minimum coverage level in Iowa, expect to pay about $270 per year.

State minimum coverage

In order to drive legally in the state of Iowa, you must carry at least the minimum liability limits listed below:

  • 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
car with blue windshield

If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism or weather incidents. But better coverage comes with a cost: in Iowa, a comprehensive insurance policy with a $1,000 deductible costs $1,043, 286% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 363% more than you would for basic coverage.

In Iowa, a comprehensive insurance policy with a $1,000 deductible costs $1,043, 286% more than liability-only car insurance

The Zebra's guide to Iowa car insurance laws


Learn more about car insurance requirements in the state of Iowa with our helpful guide.


Compare car insurance rates from the best companies in Iowa.

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Iowa car insurance premiums by rating factor

Your rates are determined by a number of individual factors, including your coverage level, driving history, location, and more. Explore average premium costs by rating factor below to get a better sense of how much you should be paying for auto insurance in Iowa.

Cheap auto insurance in Iowa for minimum coverage

Forgoing full coverage for liability-only at the state minimum level will make your car insurance significantly cheaper. In Iowa, the average cost for minimum coverage is $23 per month, or $270 yearly — a savings of $773 compared to full coverage.

Company Avg. Annual Premium
State Farm $200
USAA $222
GEICO $225
Progressive $297
Travelers $359
Farmers $442
Allstate $454
Updated: 05/26/22.

Cheap auto insurance in Iowa with bad credit

Your credit history is an important factor in determining your car insurance rates. Many carriers see those with a poor credit score as being higher risk, meaning you could pay more for your policy. On average, Iowa drivers with poor credit pay 53% more per year than those with exceptional credit. Have a look at some common rates by credit tier below.

Company Avg. Annual Premium
Travelers $1,747
USAA $1,790
GEICO $1,895
State Farm $2,279
Farmers $2,322
Progressive $2,505
Allstate $3,036
Updated: 05/26/22.

Cheap auto insurance in Iowa with an at-fault accident

Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase by as much as $423 per year.

Safe driver discounts

In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.

Company Avg. Annual Premium
State Farm $1,094
Travelers $1,441
USAA $1,524
Progressive $2,145
Farmers $2,161
GEICO $2,283
Allstate $2,735
Updated: 05/26/22.

Cheap auto insurance for young drivers in Iowa

Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Iowa, teen drivers pay especially high rates: $3,588 per year — $2,059 more than the nationwide average and over twice as much as a typical Iowa driver.

Company Avg. Annual Premium
USAA $2,467
State Farm $2,944
Travelers $3,107
GEICO $3,411
Progressive $5,136
Allstate $5,173
Farmers $5,545
Updated: 05/26/22.

Iowa auto insurance rate by violation

In Iowa, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. How much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average

See below average auto insurance rates in Iowa after a few common citations.

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $1,358 0% $0
One Med/PIP claim $1,374 1% $16
Not-at-fault accident $1,409 4% $51
One comp claim $1,440 6% $82
Two Med/PIP claims $1,477 9% $119
Two comp claims $1,492 10% $134
Driving without lights $1,497 10% $139
Speeding 6 - 10 MPH over limit $1,501 10% $143
Child safety restraint $1,519 12% $161
Failure to wear a seat belt $1,523 12% $165
Failure to show documents $1,549 14% $191
Speeding 11 - 15 MPH over limit $1,567 15% $209
Driving too slowly $1,572 16% $214
Failure to stop at a red light $1,577 16% $218
Failure to yield $1,577 16% $218
Illegal turn $1,577 16% $219
Speeding 16 - 20 MPH over limit $1,577 16% $219
Driving with expired registration $1,581 16% $223
Speeding in school zone $1,590 17% $231
Wrong way/wrong lane $1,597 18% $238
Cell phone violation $1,599 18% $241
Texting while driving $1,605 18% $246
Improper passing $1,605 18% $247
At-fault accident - less than $1000 $1,647 21% $288
Passing school bus $1,669 23% $311
Following too closely $1,672 23% $314
Speeding 21 - 25 MPH over limit $1,764 30% $406
Operating a vehicle without permission $1,787 32% $429
At-fault accident - greater than $2000 $1,842 36% $483
At-fault accident - $1000-$2000 $1,842 36% $483
In 65 MPH zone $1,884 39% $526
Open container $2,111 55% $753
Racing $2,250 66% $892
Driving with a suspended license $2,320 71% $962
Reckless driving $2,401 77% $1,043
Refusal to submit to a chemical test $2,434 79% $1,076
DUI $2,502 84% $1,144
Leaving scene of an accident/hit and run $2,519 85% $1,161
Updated: 05/26/22.

Iowa DUI laws

In Iowa, a DUI offense can increase your annual car insurance premium by an average of $757. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.

 
Low-cost car insurance after a DUI in Iowa

If you're convicted of a DUI or DWI violation in Iowa, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Iowa, State Farm, advertises annual rates 38% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Iowa is Travelers, while the priciest firm is GEICO, with prices 63% above average.

Company Avg. Annual Premium
State Farm $1,226
Travelers $1,565
Progressive $1,660
USAA $1,768
Farmers $2,077
Allstate $2,664
GEICO $3,226
Updated: 05/26/22.

There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.

Compare and buy car insurance online or reach out to an insurance agent to assess your choices and find a cost-effective policy.

Learn more about car insurance and DUI infractions.

Iowa SR-22 insurance

An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Iowa to ensure that you remain insured.

Finding cheap auto insurance with an SR-22 in Iowa might require some research, but it could pay off in the end.

 

How to acquire an SR-22 in Iowa

For currently insured drivers

If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company and ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.

 

For uninsured drivers

When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

 

For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.

 

Learn more about SR-22 certificate requirements and how they impact insurance premiums.

Find an affordable policy in Iowa in minutes!

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Rates by city

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

Have a look at the table below to see average car insurance costs in some of Iowa's biggest cities.

City Avg. Annual Premium
Ankeny $1,189
Cedar Rapids $1,259
Davenport $1,333
Des Moines $1,348
Sioux City $1,469
Updated: 05/26/22.

Car insurance price trends in Iowa

In Iowa, average annual auto insurance costs increased by $67 in the past year. A typical Iowa driver pays an average of $1,218 per year.

The recent pricing trend in Iowa leans toward cheaper car insurance costs than the national average. The steepest decrease occurred from 2017 to 2018, while the highest surge took place from 2016 to 2017. At the same time, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.

IOWA CAR INSURANCE RATE TRENDS
Year Avg. Annual Premium — Iowa Yearly Change — Iowa Avg. Annual Premium — US Yearly Change — US
2021 $1,218 $67 $1,529 $46
2020 $1,151 $57 $1,483 -$61
2019 $1,094 $84 $1,544 $23
2018 $1,010 -$786 $1,521 $84
2017 $1,796 $234 $1,437 $69
2016 $1,562 -$323 $1,368 $88
2015 $1,885 $216 $1,280 $51
2014 $1,669 $155 $1,229 $34
2013 $1,514 -$63 $1,195 -$80
2012 $1,577 $323 $1,276 $82

If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.


Iowa car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Iowa auto insurance.

Who actually has the cheapest car insurance in Iowa? Chevron down icon

State Farm ($584) and USAA ($638) offer the cheapest six-month 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? Chevron down icon

The average cost of car insurance in Iowa is 20% cheaper than the national average. Our data shows that Iowa drivers pay $609 for car insurance every six months.

Is car insurance required in Iowa? Chevron down icon

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.

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RECENT QUESTIONS

My car was towed by an apartment complex, will State Farm reimburse me for the towing cost?

Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location.
Aug 20, 2019 Crosby, TX

Will my car insurance pay for damage I caused while riding my bike?

Your auto insurance policy is intended to cover your liability while driving a car. If you are liable for damage that does not involve your vehicle, you would need to file a claim with your renters or homeowners insurance company.
Feb 2, 2017 San Diego, CA

How do I correct my MVR?

To dispute your Motor Vehicle Report (MVR) you will need to contact the Department of Motor Vehicles. The MVR comes from Colorado's state records of violations.
Jan 12, 2019 Denver, CO

Can you get a 30 day waiver on your car insurance

I would call your car insurance company and speak to an agent or customer service representative. If your company is willing, you could probably work with them to pay your premium late and possibly have the late fee waived.
Apr 15, 2018 Bend, Oregon

Renata Balasco photo
Renata BalascoAssociate Content Strategist

Renata is a licensed insurance professional and content strategist responsible for creating home and auto insurance guides for The Zebra.

Renata's background in technical writing and her experience working in the insurance industry informs her work. She holds a bachelor’s degree in communications.

Renata's work has been cited by Car and Driver

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.