Cheapest Auto Insurance in Iowa (2024)

Auto-Owners offers the cheapest liability rates in Iowa, at $22 per month.

Melanie Lockert
Written byMelanie Lockert
Melanie Lockert
Melanie Lockert
  • 10+ years writing on personal finance topics

  • Host of the Mental Health and Wealth podcast

Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
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Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated July 14, 2024

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Cheapest recent rates in Iowa

Recent Iowa car insurance prices for Buick, Honda, KIA , and more.

*Quotes generated for Insurify users from Iowa within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Iowa within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Home to the college town of Iowa City and the capital of Des Moines, Iowa has a significant amount of farmland and a low crime rate, which positively affects its car insurance rates.[1] The average cost of liability-only insurance in Iowa is $61 per month, according to Insurify data, which is lower than the national average of $105 per month.

Learn what factors affect your costs and where to find cheap car insurance in Iowa.

Quick Facts
  • Auto-Owners, USAA, and GEICO offer the cheapest liability rates in Iowa.

  • Iowa drivers pay an average of $1,807 per year for full-coverage car insurance.

  • The Insurance Information Institute found that 9.9% of Iowa drivers are uninsured.[2]

3 of the cheapest car insurance companies in Iowa

If you’re in the market for new auto insurance coverage, you have many factors to consider. Here are three of the cheapest options for car insurance in Iowa, and who might benefit the most from each company.

Keep them in mind as you begin your search.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
Auto-Owners8.5$46$22Farmers
USAA9.4$49$23Veterans and military members 
GEICO9.0$54$25Homeowners
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for farmers: Auto-Owners

Compare personalized, real-time quotes
User Reviews
3.8
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$22/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$46/mo

Iowa has a strong history in the agricultural industry, and farmers looking for car insurance should consider Auto-Owners. The company offers affordable auto insurance coverage and farm insurance in one place.

As an auto insurer, Auto-Owners offers standard coverage options in addition to road-trouble service, gap coverage, and accident forgiveness. The company also offers a multi-policy discount, and you may qualify if you also get farm insurance, home insurance, or life insurance from Auto-Owners.

Pros
  • Offers gap coverage

  • Many available discounts

  • Coverage for classic or modified vehicles

Cons
  • Low customer rating on the Better Business Bureau (BBB) website

  • Not available in every state

  • Not as many discounts as some other insurers

Read more driver reviews of Auto-Owners
Kevin - July 2, 2024
Verified

Great, Except for the Price

I recommend checking prices with other providers.

Nancy - June 27, 2024
Verified

Excellent

They have beaten all insurance quotes for the coverage I have.

Ronald - June 21, 2024
Verified

Rate Increases Too Much for Someone on a Fixed Income

There's always someone else who is cheaper.

Best insurer for veterans and military members: USAA

Compare personalized, real-time quotes
User Reviews
3.7
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$23/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$49/mo

Iowa is home to more than 171,000 veterans and 1,300 active-duty service members, according to U.S. Census data and Military State Policy Source.[3][4]

USAA is a membership-based insurance and financial services company that works exclusively with the military community. It offers a range of insurance products and discounts if you’re on a military base or if you store your car on base during a deployment.

Pros
  • Military-specific discounts

  • Highly rated mobile app

  • Significant savings potential of up to 30% with SafePilot program

Cons
  • Poor customer satisfaction on Trustpilot[5]

  • Only available to military members and their families

  • Low customer rating on the BBB website[6]

Read more driver reviews of USAA
Jane - July 14, 2024
Verified

Easy

Great

Ann - July 13, 2024
Verified

Mediocre Company

They are requiring us to cover our house for more than we feel is necessary. Their deductible for hail damage is $10,000 and the premiums are high.

Laurence - July 13, 2024
Verified

Greed and Lack of Respect

It's almost impossible to reach them by phone. They are rapidly raising rates without cause, despite my loyalty of over 58 years.

Best insurer for homeowners: GEICO

Compare personalized, real-time quotes
User Reviews
3.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$25/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$54/mo

According to U.S. Census data, 71.5% of Iowa residents own their home.[3] GEICO is a top option for homeowners, as the company offers savings when you bundle home and auto insurance.

GEICO offers standard coverage options as well as rental reimbursement, mechanical breakdown insurance, and emergency roadside assistance.

Pros
  • Mobile app available

  • 15% good student discount

  • Streamlined claims process with Auto Repair Xpress

Cons
  • Limited agent network

  • Rideshare and gap insurance not available

  • Complaints on Trustpilot about surprise policy cancellations[7]

Read more driver reviews of GEICO
Scott - July 14, 2024
Verified

Harley Davidson for an Old Man

I feel safe with my motorcycle.

Andrew - July 14, 2024
Verified

Policy Cancelled for Illegitimate Reason

I would definitely recommend setting up your policy over the phone with a representative, or in person if possible.

Patricia - July 14, 2024
Verified

Too Expensive!

I had one accident and my monthly rate jumped from $80.00 to $242.00. Not good!

How to get the cheapest car insurance in Iowa

Car insurance can be costly, but you can do some things to make it more affordable. In addition to driving safely and maintaining a clean record, the following steps can help you get the cheapest car insurance in Iowa:

  • Research discounts. Insurance companies may offer discounts based on your driving, affiliation, or safety features. Review which ones you qualify for and how much you could save.

  • Bundle insurance policies. You may get the best deal if you have more than one insurance policy with a company. Adding home insurance or renters insurance could lower your rate.

  • Check your credit report. Insurance companies may use your credit history as one of the factors to determine your rates. Drivers with good credit typically pay lower rates than drivers with poor credit. Review your credit report to ensure there are no errors that could be costing you money. If there are, dispute them with the appropriate credit bureau.

  • Compare options. Many insurance companies offer coverage to Iowa drivers, so compare several companies and quotes to find the best coverage for you.

Find Affordable Car Insurance in Iowa

Liability rates average $61 per month

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Cheapest liability-only car insurance in Iowa: Auto-Owners

Liability-only coverage meets the basic minimum coverage required in Iowa. Liability insurance covers your liability and pays out to cover injuries and damages suffered by the other parties in an accident you cause. But it doesn’t cover any of your damages.

Liability-only coverage costs an average of $61 per month in Iowa.

The table below shows average monthly rates offered by many of the state’s top companies.

10 cheapest insurers for liability-only

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Iowa: Auto-Owners

With full-coverage car insurance, you’re typically getting state-required liability insurance, as well as collision and comprehensive coverage. If you’re financing a vehicle or want additional protection, full coverage is likely a good fit for you.

Drivers in Iowa pay an average of $151 per month for full coverage. 

In the table below, you can see the top insurance companies offering cheap full-coverage car insurance in Iowa.

10 cheapest insurers for full coverage

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates in Iowa

Recent Iowa car insurance prices for Chrysler, Ford, KIA , and more.

*Quotes generated for Insurify users within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Iowa

Iowa requires drivers to carry at least minimum coverage or liability insurance. Iowa is an at-fault or tort state, which means it assigns fault to the driver that caused the incident.[8]

The table below shows the minimum requirements you must meet to drive legally in Iowa:[9]

CoverageMinimum Requirements
Bodily injury liability$20,000 per person / $40,000 per accident 
Property damage liability$15,000

While you’re only required to carry minimum liability car insurance, it can be a good idea to look into additional coverage options depending on your needs. You can consider the following coverages for more financial protection:

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    Collision coverage

    Liability-only insurance doesn’t cover the damage to your car if you’re in an at-fault accident. Collision coverage can help pay for damage to your vehicle.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    It’s not just accidents you need to worry about. Comprehensive insurance will cover you in events like damage from falling rocks, floods, theft, and vandalism.

  • illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

    Personal injury protection (PIP) coverage

    Personal injury protection coverage helps pay for medical expenses if you or your passengers get injured in an accident.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage helps pay costs if you’re involved in an accident with an uninsured driver or if you’ve been the victim of a hit-and-run.

  • illustration card https://a.storyblok.com/f/162273/150x150/2f2def254a/states_iowa.svg

    The Iowa Automobile Insurance Plan

    If you’ve tried to secure coverage through conventional insurers and have been rejected, you can get car insurance through the Iowa Automobile Insurance Plan (IAIP).

    The program began in 1969 and works with insurers to provide high-risk drivers coverage when they lack other options. Iowa drivers seeking coverage through the IAIP must certify they’ve been unable to get auto insurance coverage elsewhere.[10]

Cheapest car insurance for drivers with an incident

While different factors affect your car insurance premiums, your driving history carries a lot of weight. People with a clean driving record free of incidents qualify for the most competitive rates. High-risk drivers with an incident on their record will likely receive more expensive rates.

Common incidents include speeding tickets, at-fault accidents, and driving under the influence (DUI) citations. In the sections that follow, you’ll see how different incident types can affect your rates.

Find Affordable Quotes in Iowa

Rates start as low as $28 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

Speeding affects reaction time and your ability to slow down, elevating your level of risk. Iowa drivers with excessive speeding can get a misdemeanor.[11] If you get a speeding ticket, your insurer will likely hike up your rates.

The average cost of car insurance for drivers with a speeding ticket in Iowa is $222 per month for full coverage and $90 for liability only.

The table below shows what rates you might pay with a clean driving record versus having a speeding ticket on record.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners$22$29
USAA$23$30
GEICO$25$33
American Family$27$36
Allstate$28$37
Farmers$32$42
Safeco$39$52
Nationwide$43$57
Travelers$43$57
Progressive$51$68
Dairyland$51$68
National General$51$67
Bristol West$57$75
Direct Auto$62$82
Liberty Mutual$67$97
Root$74$104
The General$90$120
Foremost$95$137
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

Insurance companies raise car insurance premiums after an at-fault accident because there’s potential for it to happen again. 

Drivers with an at-fault accident in Iowa pay an average of $98 per month for liability coverage and $242 per month for full coverage.

The table below illustrates how much rates go up with an accident, compared to a clean driving record. You can also see which insurance companies offer the cheapest car insurance after an accident in Iowa.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean Driving RecordWith Accident
Auto-Owners$22$31
USAA$23$33
GEICO$25$36
American Family$27$38
Allstate$28$40
Farmers$32$45
Safeco$39$54
Nationwide$43$62
Travelers$43$62
Progressive$51$74
Dairyland$51$72
National General$51$73
Bristol West$57$80
Direct Auto$62$90
Liberty Mutual$67$103
Root$74$111
The General$90$130
Foremost$95$147
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Auto-Owners

Iowa drivers found driving under the influence face a range of consequences, including higher car insurance premiums. In Iowa, this is referred to as operating while intoxicated (OWI).

Car insurance companies consider a DUI conviction a major offense, and some insurers may refuse you coverage altogether. Others will raise your rates significantly due to the dangers and risks involved.

Liability-only coverage costs Iowa drivers $110 per month, on average.

Here are the cheapest options for car insurance in Iowa if you have a DUI and the effect it has on rates compared to a clean record.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean Driving RecordWith DUI
Auto-Owners$22$38
USAA$23$40
GEICO$25$44
American Family$27$47
Allstate$28$49
Farmers$32$56
Safeco$39$68
Nationwide$43$75
Travelers$43$75
Progressive$51$89
Dairyland$51$89
National General$51$89
Bristol West$57$99
Direct Auto$62$108
Liberty Mutual$67$117
Root$74$129
The General$90$157
Foremost$95$166
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Auto-Owners

Car insurance rates begin to decrease at age 35 and continue to drop well into retirement age. Senior drivers are generally eligible for lower rates because they have ample driving experience, a long driving history, and typically drive less. At around age 70, though, premiums start to increase because the risk profile for older drivers is elevated due to declining faculties.

Senior drivers in Iowa pay a monthly average of $98 for a full-coverage policy.

Here, you can see the cheapest car insurance for seniors in Iowa for both liability and full coverage.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyLiability OnlyFull Coverage
Auto-Owners$15$32
USAA$16$35
GEICO$18$38
American Family$19$39
Allstate$20$44
Farmers$22$48
Nationwide$28$61
Safeco$28$60
Travelers$30$65
Progressive$32$69
National General$35$69
Dairyland$36$111
Bristol West$41$138
Direct Auto$43$84
Liberty Mutual$48$142
Root$54$89
The General$65$151
Foremost$66$145
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Auto-Owners

Teen drivers are expensive to insure as they’re just getting their bearings with driving and learning the rules of the road. It’s not only the lack of experience, though.

Teens and other young drivers engage in risky activities like speeding, distracted driving, not wearing a seat belt, and driving while intoxicated.[12] Due to these factors, car insurance in Iowa for teen drivers is costly, as you can see in the table below.

Liability-only insurance for Iowa teens costs $105 per month, on average.

To get the cheapest car insurance, teens should be added to their parents’ insurance policy and see if they qualify for a good student discount if they get good grades. Getting a car with the latest safety features may also help.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyLiability OnlyFull Coverage
Auto-Owners$37$77
USAA$37$80
GEICO$39$83
American Family$46$98
Allstate$48$105
Farmers$55$119
Nationwide$72$156
Travelers$76$164
Safeco$79$169
Dairyland$83$254
Progressive$90$194
Bristol West$95$323
National General$97$187
Root$110$180
Direct Auto$111$218
Liberty Mutual$121$356
The General$142$328
Foremost$165$363
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

View Car Insurance quotes in Iowa

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Iowa car insurance quotes by credit tier

The state of Iowa allows insurers to use a person’s credit history information for underwriting purposes. But insurers can’t use your credit history as the sole factor in determining rates, and they can’t use it against you to deny you a policy.

But your credit can affect the cost of car insurance in Iowa. Drivers with poor credit pay higher rates than drivers with good or excellent credit

The chart below illustrates how your credit tier can affect your rates in Iowa.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Iowa car insurance FAQs

If you still have questions about car insurance in Iowa, this additional information may help as you research your coverage options.

  • How much is car insurance in Iowa?

    On average, car insurance in Iowa costs $61 per month for liability-only coverage and $61 per month for full coverage.

  • Which companies have the cheapest car insurance in Iowa?

    Auto-Owners, USAA, and GEICO offer the cheapest liability rates in Iowa, at $22, $23, and $25 per month, respectively.

    But these companies might not be the cheapest for you. Comparing quotes is the best way to find the cheapest insurance for your coverage needs.

  • What are the best car insurance companies in Iowa?

    Insurify identified Auto-Owners, USAA, and GEICO as some of the best insurance companies in Iowa. These companies offer drivers plenty of discounts, coverage options, and have high Insurify Quality Scores of 8.5, 9.4, and 9.0, respectively.

  • What are the minimum car insurance requirements in Iowa?

    Iowa requires drivers to have a minimum amount of liability insurance including $20,000 per person and $40,000 per accident in bodily injury liability, and $15,000 of property damage liability coverage.

  • Is Iowa a no-fault state for car insurance?

    No. Iowa is an at-fault, or tort, state. This means that in an at-fault accident, your insurer is responsible for paying any costs related to the other driver’s injuries and vehicle damage.

Insurify Insights

How Iowa Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Iowa below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Iowa drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Iowa

#1

State with the Most Speeding Tickets Rank

#2

State with the Moving Violations Rank

#5

State with the Most DUIs Rank

#4

State with the most Suspended Licenses

  • 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. Iowa is the #11 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #11
    • Percent of drivers in Iowa with an accident: 10%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Iowa is the #5 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #5
    • Percent of drivers in Iowa with a DUI: 2.5%
  • 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. Iowa is the #7 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #7
    • Percent of drivers in Iowa with a reckless driving offense: 2%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Iowa is the #9 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #9
    • Percent of drivers in Iowa with a rude driving violation: 2.1%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Iowa is the #1 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #1
    • Percent of drivers in Iowa with a speeding ticket: 13.5%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Iowa is the #30 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #30
    • Percent of drivers in Iowa with a failure to yield violation: 0.1%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Britannica. "Iowa."
  2. III. "Facts + Statistics: Uninsured motorists."
  3. Census.gov. "U.S. Census Bureau QuickFacts: Iowa."
  4. Military State Policy Source. "Iowa."
  5. Trustpilot. "USAA."
  6. BBB. "USAA."
  7. Trustpilot. "GEICO."
  8. FindLaw. "Iowa Car Accident Compensation Laws."
  9. Iowa Insurance Division. "Auto Insurance."
  10. AIPSO. "Iowa Automobile Insurance Plan."
  11. Iowa.gov. "MOTOR VEHICLES AND LAW OF THE ROAD."
  12. Transportation Safety. "Teen Drivers and Passengers: Get the Facts."
Melanie Lockert
Melanie Lockert

Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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