Car Insurance in Iowa
- GEICO offers the cheapest liability at $20/mo.
- Travelers has the cheapest full coverage at $86/mo.
Enter your ZIP code to start your search for Iowa car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Iowa at the right price.
About The Zebra's recommendations
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Ross joined The Zebra as a writer and researcher in 2019. He specialized in writing insurance content to help shoppers make informed decisions.
Ross h…
Credentials
- 5+ years in the Insurance Industry
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Car insurance quotes in Iowa
The average car insurance rate in Iowa is $890 for a six-month policy — 23% cheaper than the U.S. average.[1] Car insurance rates in Iowa are shaped by a variety of factors, including your age and driving history. Your location is just one factor out of many that insurance companies evaluate.
According to our data, 42% of Iowans believe they’re overpaying for car insurance.[2] Yet, many are still open to paying a premium for exceptional customer service and more extensive coverage options.
Cheapest liability coverage in IA
- GEICO offered the cheapest liability coverage in Iowa at $20/mo.
Cheapest full coverage in IA
- Travelers offered the cheapest full coverage in Iowa at $86/mo.
Best customer service in IA
- Shelter had a score of 678 in JD Power's latest study — the highest in Iowa.
Cheap liability insurance in Iowa
The average cost for liability insurance in Iowa is $195 for a 6-month policy.[1] For our user profile, GEICO offers the most affordable liability insurance options in the state at $20/mo.
According to our data, 25% of Iowa drivers carry only the state-required liability coverage.[2] In Iowa, the law mandates minimum liability limits of 20/40/15. Learn more about car insurance requirements in the state of Iowa with our helpful guide.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $120 | $20 |
| Progressive | $120 | $20 |
| USAA | $147 | $25 |
| Farm Bureau Mutual (IA Group) | $162 | $27 |
| State Farm | $172 | $29 |
| Travelers | $177 | $30 |
| Auto-Owners | $229 | $38 |
| American Family | $341 | $57 |
| Allstate | $357 | $59 |
| Farmers | $411 | $69 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
If another driver is responsible for damaging your vehicle in Iowa, you may be entitled to recover not only the cost of repairs, but also your vehicle's diminished value—the reduction in market value that can remain even after quality repairs are completed.[4] Because a vehicle with an accident history is often worth less than one that has never been damaged, Iowa law allows eligible drivers to seek compensation for that loss from the at-fault driver's insurance company.
Updating data...
| Company | Liability Coverage - 6mo | Full Coverage - 6mo |
|---|---|---|
| Westfield | $146 | $1,020 |
| USAA | $147 | $697 |
| Travelers | $177 | $516 |
| State Farm | $172 | $744 |
| Progressive | $120 | $786 |
| Pekin Insurance | $131 | $534 |
| Grange | $168 | $766 |
| GEICO | $120 | $692 |
| Farmers | $411 | $1,275 |
| Farm Bureau Mutual (IA Group) | $162 | $837 |
| Auto-Owners | $229 | $680 |
| American Family | $341 | $1,185 |
| Allstate | $357 | $1,368 |
Source: The Zebra
Cheap full coverage insurance in Iowa
In 2026, the average cost of full coverage insurance in Iowa is $890 for a six-month policy. Full coverage is a popular choice here, with 75% of The Zebra’s Iowa customers opting for quotes that offer this more comprehensive protection.[2]
While full coverage may cost more than basic liability insurance, it’s worth the investment for peace of mind. If you’re looking to get the best deal on full coverage, start by checking out quotes from Travelers — as our latest data shows they have the cheapest rates in Iowa.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $516 | $86 |
| GEICO | $692 | $115 |
| USAA | $697 | $116 |
| State Farm | $744 | $124 |
| Progressive | $786 | $131 |
| Farm Bureau Mutual (IA Group) | $837 | $140 |
| American Family | $1,185 | $198 |
| Farmers | $1,275 | $212 |
| Allstate | $1,368 | $228 |
Source: The Zebra
What are the best car insurance companies in Iowa?
We’ve named Shelter as Iowa's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like J.D. Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick on a national level.
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Local insights
Drivers near you in Iowa weigh in
"I've been with Progressive for years. I've shopped around a few times, but nobody ever comes close to their price."
-Reddit user on r/Iowa
"Check out Farm Bureau if you're not already, they're huge in Iowa and actually understand rural driving, plus their customer service is legit responsive when you need them."
-Reddit user on r/Iowa
Compare car insurance rates from the best companies in Iowa.
Car insurance in popular Iowa cities
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 Ames, Iowa and the most expensive in Council Bluffs, Iowa.
Have a look at the table below to see average car insurance costs in some of Iowa biggest cities.
Source: The Zebra
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Source: The Zebra
Reliable insight, trusted guidance
Erica began at The Zebra in 2020 as a Licensed Service Agent, bringing six years of insurance experience from her career at Progressive where she spe…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 10+ years in the insurance industry
Amber Vigil has three years of experience in the insurance industry and joined The Zebra in 2024. As manager, she leads a group of sales agents, ensu…
Credentials
- Licensed Insurance Agent — Property and Casualty
Erick began his insurance career at The Zebra in 2020, starting in an unlicensed role assisting customers before earning his Property & Casualty lice…
Credentials
- Licensed Insurance Agent — Property and Casualty
Iowa auto insurance quotes after an accident or ticket
Your driving history plays a major role in what you’ll pay for car insurance in Iowa. Even one at-fault accident can send your premiums soaring. Insurers see your past accidents as a sign of risk, so even a single incident can lead to a steep rate increase. Check out the average cost of coverage from top Iowa insurers after an at-fault accident.
Source: The Zebra
Source: The Zebra
Iowa car insurance for high-risk drivers
For high-risk drivers in Iowa with serious infractions like a DUI or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.
Understanding Iowa's insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.
How much is OWI insurance in Iowa?
In Iowa, a DUI offense can increase your annual car insurance premium substantially. 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.
Rate increase: +$841
The average 6-month premium increase after an OWI in Iowa. This premium increase typically lasts 3-5 years.
First time OWI penalties
- Minimum 48 hours in jail
- $1,250 fine plus surcharges
- 180-day driver's license revocation
- Substance abuse and drivers courses
OWI record impact timeline
- DMV record: 55 years
- Criminal record: Permanent
Cheap car insurance after an OWI in Iowa
If you're convicted of a OWI 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. Check out the table below to see average rates by top insurers in Iowa.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $731 | $122 |
| Progressive | $968 | $161 |
| State Farm | $1,008 | $168 |
| USAA | $1,442 | $240 |
| American Family | $1,622 | $270 |
| GEICO | $1,648 | $275 |
| Allstate | $1,677 | $279 |
| Farmers | $1,685 | $281 |
| Farm Bureau Mutual (IA Group) | $1,821 | $304 |
| Auto-Owners | $1,824 | $304 |
Source: The Zebra
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.
Iowa SR-22 laws
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. In Iowa, drivers with a DUI must have an SR-22 for two years.
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.
Find an affordable policy in Iowa in minutes!
How have average car insurance costs in Iowa changed?
Iowa's auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around—insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
| Year | Avg. Annual Premium — Iowa |
|---|---|
| 2026 | $1,687 |
| 2025 | $1,764 |
| 2024 | $1,687 |
| 2023 | $1,315 |
| 2022 | $1,358 |
| 2021 | $1,218 |
| 2020 | $1,151 |
| 2019 | $1,094 |
| 2018 | $1,010 |
| 2017 | $1,796 |
| 2016 | $1,562 |
| 2015 | $1,885 |
Save money on your next car insurance policy!
Iowa car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Iowa auto insurance.
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Surveys. The Zebra
Anonymized User Surveys. The Zebra
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U.S. Auto Insurance Study. J.D. Power
U.S. Auto Insurance Study. J.D. Power
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Diminished Value Claims. Iowa diminished value statute
Diminished Value Claims. Iowa diminished value statute
Recent questions about car insurance in Iowa
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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 editorial 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.
