Find affordable auto insurance that works for you in Iowa. Compare quotes from over 100 top companies.
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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.
Receive quotes from dozens of companies that provide coverage throughout Iowa. Enter your ZIP code below to get started.
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%|
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|
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|
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.
|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|
|Progressive||Below average||Below average||Excellent||4.3 / 5|
|State Farm||Above average||Above average||Superior||4.5 / 5|
|USAA||Excellent||Excellent||Superior||4.6 / 5|
State minimum insurance requirements in Iowa
In Iowa, drivers are required to maintain liability coverage at minimum levels of:
Optional coverage in Iowa (varies by carrier):
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 $500 deductible, expect to pay 207% more than you might for a basic policy.
Learn more about car insurance requirements in Iowa.
If you receive a ticket or citation, your auto insurance rates may rise. By how much depends on the type of violation, your car insurance company's pricing standards, and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a snapshot of typical auto insurance rates in Iowa after a few common citations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$1,703||72%||$715|
|Refused Breathalyzer/Chemical Test||$1,612||63%||$624|
|Driving with a Suspended License||$1,668||69%||$681|
|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|
|Following Too Closely||$1,177||19%||$190|
|Failure to Stop at a Red Light||$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|
|Driving with Expired Registration||$1,051||6%||$64|
|Failure to Show Documents||$1,051||6%||$64|
|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|
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.
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.
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.
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.
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.