Cheap Iowa Car Insurance

Compare the best rates from 16 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

What's the cheapest car insurance in Iowa?
RankCompany NameAvg. Annual Premium
1USAA$676
2Partners Mutual$691
3Western National$793
4Allied$795
5Hastings Mutual$889
6State Farm$909
7Nationwide$925
8Auto-Owners$939
9Farm Bureau Mutual$966
10Travelers$1,010
11Cameron Mutual$1,013
12GEICO$1,024
13Farmers$1,076
14Pekin Insurance$1,087
15Progressive$1,095
16EMC$1,183
17American Family$1,191
18Grinnell$1,218
19General Casualty$1,223
20MetLife$1,285
21IMT Insurance$1,325
22Liberty Mutual$1,582
23Allstate$1,697
24Sentry$1,839
25Victoria$1,992
26Safeco$2,126
27Dairyland$2,244

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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, the state minimum coverage requirement is liability with limits 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

Liability coverage is legally required in Iowa and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Iowa, the minimum is listed as 20/40/15 and explained below:

  • $20,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $40,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $15,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.
  • These numbers reflect the minimum limits required in Iowa but higher coverage amounts are available with most companies.

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$1,184
2Sioux City$1,021
3Davenport$998
4Waterloo$997
5Des Moines$993
6Dubuque$972
7Fort Dodge$952
8Clinton$951
9Cedar Falls$943
10Ottumwa$943
11Bettendorf$941
12Marshalltown$936
13Cedar Rapids$924
14Burlington$917
15Muscatine$910
16Marion$906
17Mason City$872
18West Des Moines$870
19Urbandale$867
20Clive$853
21Iowa City$850
22Ames$845
23Coralville$841
24Johnston$841
25Ankeny$831

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?

I was turning right when a car crossed three lanes of traffic and hit me from the side. We exchanged ...

MAY 13, 2019
|
DES MOINES, IA
Can I drop my 18yo from my car insurance policy?

I know when my daughter was 17 I couldn’t drop her drop my insurance. Now she’s 18, can I drop ...

SEP 13, 2018
|
AUSTIN, TX
What happens if I get a ticket a few hours before getting insurance?

If I get car insurance online same day of a ticket but after I get stopped with no insurance. If ...

SEP 05, 2018
|
MARSHTOWN, IA
Can my bank charge me for car insurance?

Can my bank( financial) charge me because I didn’t have a car’s insurance for two months? I missed two months ...

SEP 03, 2018
|
IOWA CITY, IA

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 destrination 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, 2019

Notification

Winner(s) will be selected and notified by email by January 31st, 2020

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.

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