Temporary Car Insurance in Iowa

If you're seeking flexible car insurance, you could consider a short-term car insurance policy. Unfortunately, short-term car insurance agreements are hard to come by for a few reasons.

Firstly, major insurers don't tend to offer policies shorter than six months. Since car insurance is legally required in most states, it can be risky to jump between policies. Additionally, you risk creating gaps in your insurance history by swapping policies with frequency, leading to more expensive premiums in the future.

Thankfully, car insurance policy terms commonly run just half of a year. This short duration allows car insurance companies to frequently “re-rate” — or recalculate — your premiums with your updated driving record and demographics.

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The end of a policy period also provides a perfect opportunity for you to reset your policy by looking into other insurers. Shopping for quotes on the Internet is easy and complimentary, and there is no penalty for swapping car insurance companies at the start of a new policy — or in the middle of your policy term, as long as your coverage doesn't lapse.

The flexible nature of car insurance makes it relatively simple to buy with little advance notice. If you need an insurance policy to take a new vehicle away, shopping for a policy for a relatively long-term car rental, or searching for coverage for a car you don't own but drive more than occasionally, consider purchasing a half-year policy and cutting the term short as needed.

Temporary car insurance in Iowa

See below average car insurance costs for drivers in Iowa, ordered by top insurers and major cities. If your costs exceed the rates below, consider making a change.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Iowa State Average — All Companies$508$85
State Farm$417$70
Farm Bureau$534$89
American Family$567$94

The most budget-friendly options for single-month auto insurance in Iowa are GEICO and State Farm, followed by Farm Bureau. In Iowa, the average monthly cost of car insurance is $85, or $508 over a six-month period.

The place in which you live can have as large an influence on your auto insurance rates as the insurance company you choose. Auto insurers take into account the number of local insurance claims when assigning rates by ZIP code. See below insurance premiums in Iowa's most populous cities and compare against what you pay.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Des Moines$565$94
Cedar Rapids$504$84
Sioux City$579$94

If your premiums don’t align with those listed above, take a moment to shop around. The short-term nature of a car insurance agreement enhances the importance of staying in-the-know and willing to shop.

Learn more about temporary car insurance or use The Zebra to compare rates today.

Additional resources

Learn more about weekend-only car insurance.

Is it possible to get car insurance with no credit history?

Find cheap auto insurance for new drivers.

Check out the best car insurance options for teen drivers.

Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.