Cheap Car Insurance in Iowa (With Quotes, August 2022)

Finding cheap car insurance in Iowa does not have to be complicated or time-consuming. Car insurance rates in Iowa can depend on several factors, including age, credit score, and driving history. Discover the cheapest auto insurance rates for Iowa drivers and how to find them.

The best way to find the cheapest car insurance quotes is by shopping around and comparing multiple insurers. Iowa drivers can find cheap car insurance as low as $99 per month through Travelers. In addition, Progressive, Midvale Home & Auto, and Safeco sell car insurance for between $101 and $127 per month.

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Cheapest Liability Auto Insurance in Iowa

Iowa motorists looking for cheap minimum coverage should consider liability insurance. It pays to repair property or persons damaged by a car accident and covers medical treatment, too. State Auto, Progressive, and Travelers have the cheapest liability coverage in Iowa at $52, $62, and $64 per month.

Cheapest Full-Coverage Auto Insurance in Iowa

Full-coverage car insurance includes liability protection, comprehensive coverage, and collision coverage. Travelers quote the cheapest full-coverage auto insurance (including comprehensive insurance and collision) in Iowa, at $108 per month, while Progressive and Midvale Home & Auto are $128 and $133, respectively.

Overall, Nationwide is the best car insurance company in Iowa. The company consistently receives stellar scores from customers based on customer service, claims processing, and value. The average quote for a Nationwide car insurance policy in Iowa is $136 per month. Safeco, Liberty Mutual, and Travelers car insurance also ranked highly.

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Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.

Keeping a clean driving record is key to getting the cheapest car insurance premiums. Iowa drivers with a history of accidents, speeding tickets, or DUIs face significantly higher car insurance prices. Conversely, drivers who have no moving violations on their record will continue to enjoy low rates as they age and gain more experience.

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Cheap Car Insurance for Good Drivers in Iowa

Iowa drivers can enjoy the cheapest car insurance rates when they have a blemish-free driving history. However, each time a driver receives a citation for speeding, an at-fault accident, or a DUI, they risk rate increases that can last for up to five years or more. But good drivers in Iowa can find some of the lowest cost auto insurance around.

Cheap Car Insurance for Drivers with DUI in Iowa

DUI, or driving under the influence, convictions are some of the most serious violations drivers can have on their record. Impaired drivers put others’ lives at risk when they get behind the wheel. If you have a DUI, car insurance providers can charge more for coverage. Progressive, Travelers, and Nationwide have the cheapest average rates for DUIs in Iowa.

SR-22 Insurance in Iowa

SR-22 insurance in Iowa provides a certificate to prove a driver owns auto insurance that meets the state minimum coverage requirements. After you buy a car insurance policy following a high-risk event like an at-fault accident, speeding ticket, or DUI, you can request the insurer provide an SR-22 certifying financial responsibility. Many car insurance companies in Iowa offer an SR-22.

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Cheap Car Insurance for Drivers with an At-Fault Accident in Iowa

At-fault accidents can be costly. Besides car repairs, accidents can increase your car insurance rates because of the increased risk. Progressive, Travelers, Safeco, and Midvale Home & Auto have the cheapest at-fault accident average monthly car insurance rates at $104, $114, $166, and $169 per month, respectively.

Cheap Car Insurance for Drivers with Speeding Tickets in Iowa

Iowa drivers with speeding tickets will experience higher car insurance rates, depending on the severity of the violation or frequency of speeding citations. Progressive, Travelers, and Safeco offer the cheapest average cost for Iowa drivers with speeding tickets, ranging from $118 to $155 per month.

Iowa drivers with good credit may also be eligible for cheap car insurance options and discounts. Drivers with average, good, poor, or no credit history can reduce their auto insurance quotes by improving their credit scores.

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As drivers gain more experience, their car insurance rates tend to get cheaper. Inexperienced drivers like teens and young drivers typically pay the most, with rates averaging between $207 and $285 per month. Once a driver turns 26, their rates can drop.

Car insurance rates can vary widely by city for Iowa residents. Iowa City, Cedar Rapids, Ames, Dubuque, and Waterloo have the cheapest auto insurance in Iowa. Generally, more rural cities and towns have lower car insurance rates, but crime rates are also a factor. For example, it costs about $50 more per month to insure a car in Council Bluffs than in Iowa City.

Every state has minimum insurance requirements, and Iowa is no exception. Additionally, all drivers in Iowa will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Iowa.

Minimum Car Insurance Requirements in Iowa

All motor vehicles operated or parked on Iowa roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement
• Renewing vehicle registration
• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Iowa^[1] are:

• $20,000 per person for bodily injury
• $40,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Iowa is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $15,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Iowa DMV Information

Iowa DMVs provide several services for Iowans’ convenience, including license renewals, replacements, and address changes, CDL applications, vehicle registration, specialty plates, viewing and purchasing copies of your driving record, and applying for oversize or overweight permits. Many services are available online and in person at locations throughout the state.

Public Transportation in Iowa

Most of Iowa’s urban areas operate public transit systems consisting primarily of local bus services. Additionally, commercial bus service is also available between cities and is the most common public transit used in the state.

The California Zephyr (Chicago to Oakland, CA) train route crosses southern Iowa, stopping in Burlington, Mount Pleasant, Ottumwa, Osceola, and Creston. Likewise, the Southern Chief route stops in Fort Madison during its trip between Chicago and Los Angeles.

Finding the cheapest car insurance for Iowans is straightforward. Just head to Insurify to compare the cheapest quotes on Iowa auto insurance from top insurance companies. See coverage options, discounts, and more all in one place.