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Cheap Auto Insurance Quotes in Iowa (January 2022)
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Last Updated: January 2022
While the rest of the country pays attention to Iowa every election cycle, Iowans know how special their state is year-round.
The public education system is regularly rated as one of the best in the country, accounting for the highest literacy rate in the country at 99 percent. Couple that with its low cost of living, low crime rates, and top-notch infrastructure, and you can see why the Hawkeye State is regularly named one of the best states to call home in the U.S. If you’re a resident, or aspiring resident, of Iowa, this article will show you how to get the best and cheapest car insurance quotes now and in the future—read on to learn more. And if you’re looking for the greatest thing since sliced bread—invented by Iowan Otto Frederick Rohwedder in 1912, by the way—look no further than Insurify's quote comparison tool.
Cheapest Car Insurance in Iowa
Here are the cheapest companies in Iowa for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Iowa.
| Cheapest Companies | |
|---|---|
Progressive | $17/mo |
 State Farm | $28/mo |
 Allstate | $38/mo |
 Nationwide | $65/mo |
GEICO | $71/mo |
Best Car Insurance in Iowa
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Iowa. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
Nationwide | $65/mo | |
 American Family | $90/mo | |
State Farm | $28/mo | |
GEICO | $71/mo | |
Allstate | $38/mo | |
 Liberty Mutual | $124/mo | |
Progressive | $17/mo |
Car Insurance in Iowa
Auto insurance costs will vary between locations and insurance companies. Insurify analyzed the latest data for the five most populous cities in Iowa to find you the cheapest quotes in each of these metropolitan areas.
Des Moines is the capital and most populous city of Iowa. The city's controversial I-235 speeding camera program has issued citations for thousands of drivers; the Iowa Supreme Court ruled that the city could indeed regulate the camera program, which was restarted in June 2018 after a brief court-ordered hiatus. Des Moines drivers rank among the worst and fastest in the nation, according to two 2018 studies of driver behavior by Insurify.
Quotes by Top Companies
Quotes ($/mo)
$27
$39
$44
$105
$135
ProgressiveState FarmAllstateAmerican FamilyThe General
Monthly $
| City | Cheapest Company | |
|---|---|---|
| Des Moines | Progressive | $27/mo |
| Cedar Rapids | Progressive | $25/mo |
| Davenport | Progressive | $31/mo |
| Sioux City | Progressive | $27/mo |
| Iowa City |  Liberty Mutual | $165/mo |
| Waterloo | Progressive | $31/mo |
| West Des Moines |  Travelers | $101/mo |
| Ames | Progressive | $18/mo |
| Council Bluffs | Progressive | $28/mo |
| Dubuque |  State Farm | $36/mo |
| Ankeny | State Farm | $35/mo |
| Urbandale | Progressive | $19/mo |
| Cedar Falls | Progressive | $20/mo |
| Marion | Progressive | $19/mo |
| Bettendorf |  Allstate | $43/mo |
| Marshalltown | Progressive | $19/mo |
| Mason City | Progressive | $17/mo |
| Clinton | Progressive | $19/mo |
| Burlington |  Dairyland | $117/mo |
| Ottumwa | Progressive | $20/mo |
Cheapest Liability Auto Insurance in Iowa
For drivers in Iowa, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.
To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Iowa. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Iowa.
| Cheapest companies | |
|---|---|
 Travelers | $64/mo |
 Midvale Home & Auto | $69/mo |
 Safeco | $72/mo |
 Dairyland | $79/mo |
 Bristol West | $94/mo |
Cheapest Full Coverage Auto Insurance in Iowa
For drivers in Iowa, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Iowa. The following are the best insurance rates from carriers that offer full coverage auto insurance in Iowa.
| Cheapest companies | |
|---|---|
Travelers | $108/mo |
Nationwide | $132/mo |
Midvale Home & Auto | $132/mo |
Safeco | $139/mo |
Liberty Mutual | $189/mo |
Iowa Driving Facts
Minimum Car Insurance Requirements in IA
Iowa drivers are held to different standards than most of the nation's motorists: there is no specific law mandating that they purchase Iowa car insurance. However, if an Iowa driver gets into an accident, or gets a license suspended or revoked, they must demonstrate proof of financial responsibility to the state's Department of Transportation.
Cheapest Car Insurance Quotes in Iowa by Profile
Here are the cheapest insurance companies in Iowa based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.
Cheap Car Insurance for Good Drivers
For Iowa drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in Iowa, at $17 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
| Insurance Company | |
|---|---|
Progressive | $17/mo |
State Farm | $28/mo |
Allstate | $38/mo |
Nationwide | $65/mo |
GEICO | $71/mo |
Cheap Car Insurance for Drivers with DUI
Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.
| Insurance Company | |
|---|---|
Western National | $15/mo |
State Farm | $25/mo |
USAA | $26/mo |
Cheap Car Insurance for Drivers with an At-Fault Accident
The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
| Insurance Company | |
|---|---|
Western National | $15/mo |
Pekin | $24/mo |
USAA | $24/mo |
Cheap Car Insurance for Speeding Drivers
The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.
| Insurance Company | |
|---|---|
Western National | $15/mo |
IMT Insurance | $18/mo |
USAA | $20/mo |
Cheap Car Insurance for Young Drivers
If you’re under 40 years old in the state of Iowa, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. USAA offers the cheapest car insurance rates for young drivers, averaging $15 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.
Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Iowa 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Iowans lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.
| Insurance Company | |
|---|---|
USAA | $15/mo |
IMT Insurance | $16/mo |
Western National | $19/mo |
SR-22 Insurance in Iowa
If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Iowa on your behalf.
IA DMV Information
The Iowa Department of Transportation, which oversees licensing and registration in the state, is pretty high tech. You can make appointments and find most forms online at the DOT website.
If you’ve just moved to Iowa, you’ll have 30 days to transfer your out-of-state license. In order to do so you’ll need to provide a few things, according to the Iowa DOT:
- Proof of identity, like your out-of-state license
- Proof of residency, like a lease or utility bill
- Social security card
- Passed vision test, written test, and driving test
- Pay licensing fees
You’ll also have only 30 days to transfer your vehicle’s title and registration to Iowa. This requires providing proof-of-purchase or the title from your previous state of residence, an application for a title, and payment of registration fees.
For more detailed rates on specific personas and driving histories, use our Iowa insurance rate resources.
Insurify Insights: How Iowa Drivers Measure Up
Moving Violations Rank
Iowa
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Iowa drivers measure up to their fellow motorists across the United States in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
Accidents in Iowa
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Among all fifty states, Iowa drivers rank 13 in the number of car accidents per driver.
- Rank of States: #13
- Percent of drivers in Iowa with an accident: 11.26%
- Drivers in IA with an accident in their driving history paid on average 43.41% more than drivers with a clean record
Speeding in Iowa
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Iowa drivers rank 2 in the number of speeding infractions per driver across all fifty states.
- Rank of States: #2
- Percent of drivers in Iowa with a speeding ticket: 15.84%
- Drivers in IA with a speeding ticket in their driving history paid on average 36.43% more than drivers with a clean record
DUI/DWIs in Iowa
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Iowa drivers rank 6 in the number of DUI’s per driver across all fifty states.
- Rank of States: #6
- Percent of drivers in Iowa with a DUI: 3.59%
- Drivers in IA with a DUI in their driving history paid on average 20.16% more than drivers with a clean record
Most Popular Vehicle in Iowa
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Iowa is the Ford F-Series Pickup.
Rude in Iowa
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Iowa drivers rank 7 in rude driving infractions.
- Rank of States: #7
- Percent of drivers in Iowa with a reckless driving violation: 2.71%
- Drivers in IA with a reckless driving violation in their driving history paid on average 40.31% more than drivers with a clean record.
Safest Drivers in Iowa
Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Iowa drivers rank 50 in clean driving records across all fifty states.
- Rank of States: #50
- Percent of drivers in Iowa with clean record: 74.18%
Street Racing in Iowa
Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Iowa drivers rank 10 in street racing violations per driver.
- Rank of States: #10
- Percent of drivers in Iowa with a street racing violation: 0.01%
Failure to Yield the Right of Way in Iowa
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Iowa drivers rank 10 in failure to yield violations per driver across all fifty states.
- Rank of States: #10
- Percent of drivers in Iowa with a failure to yield violation: 0.64%
- Drivers in IA with a failure to yield violation in their driving history paid on average 31.01% more than drivers with a clean record
Reckless Drivers in Iowa
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all fifty states, Iowa drivers rank 28 in the number of reckless driving offenses per driver.
- Rank of States: #28
- Percent of drivers in Iowa with a reckless driving offense: 0.08%
Hybrid/Electric Vehicle Ownership in Iowa
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Iowa drivers rank 17 in hybrid and electric vehicle ownership across all fifty states.
- Rank of States: #17
- Percent of drivers in Iowa with a hybrid/electric vehicle: 1.04%
Greenest Cities in Iowa
The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.
Environment Iowa, based in Des Moines, advocates on behalf of the most pressing environmental issues in the state. Their priorities include progressive moves toward solar energy, clean water, and saving dwindling bee populations. The state of Iowa offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.
Ames
% of Hybrids / Electrics
3%
Most Patriotic City
Des Moines
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Des Moines won Insurify's Most Patriotic Cities Award for the state of Iowa. It was once home to the Fort Des Moines Provisional Army Officer Training School - the first Army training facility for African Americans during World War I, and the first training site for women participating in the Women's Army Corps during World War II.
Road Statistics
Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Iowa is vital for all car insurance shoppers hitting the road in The Hawkeye State.
Road Rankings
15%Rural Roads in
Poor Condition
#13
Ranked
22%Structurally Deficient
Rural Bridges
#1
Ranked
1%Fatality Rate per 100M VMT
on Rural Roads
#29
Ranked
FAQs - Iowa Car Insurance
How do I get cheap car insurance in Iowa?
Comparison shopping is the number one best way to ensure you’re getting the lowest rate on your car insurance policy. Using a rate comparison tool, especially one like Insurify’s that uses real quotes, is the fastest way to do so. If you still cannot find an affordable rate, research the discount programs available within each company. Anti-theft devices, a low-cost defensive driving program, employer-based discounts, and other programs can significantly lower your rates. You can also consider dropping comprehensive or collision coverage, or you can trade your vehicle in for one with lower carrying costs. Car-sharing, and thus policy sharing with a roommate or family member, can also easily cut costs in half.
Can I use a digital insurance card in Iowa?
Yes, you can carry your proof of car insurance on your phone or other electronic devices. However, if your phone battery dies or you forget to bring it with you, you will be issued a ticket for driving without insurance. Although you can submit proof that you had insurance at the time of the traffic stop, it still causes a big headache. Drivers should always carry a hard copy backup in their glove box.
Does Iowa have digital driver’s licenses?
For the last few years, the Iowa department of transportation has been working hard to create a fully operational digital driver’s license. While the group is nearing completion of this program, there have been several set-backs due to the complicated and diverse needs of a digital license. This September, the Iowa DOT announced that release would be further postponed until spring 2020.
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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