Cheap Car Insurance in Iowa (February 2024)

Auto-Owners is the cheapest insurer in the Hawkeye State, with minimum-coverage rates as low as $22 per month.

Lindsay VanSomeren
Lindsay VanSomeren
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Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.

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Chris Schafer
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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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.

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Data reviewed byKonstantin Halachev
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Konstantin HalachevVice President of Engineering
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  • 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 February 26, 2024 at 11:00 AM PST

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With a population of just over 3.2 million and a population density of 57 people per square mile, Iowa has fewer accidents and lower car insurance rates than some other, more populous states. In fact, Iowa's average costs for car insurance are lower than national averages.

Drivers in the Hawkeye State see average monthly rates of $168 for full coverage car insurance and $63 for liability-only coverage. By comparison, the national averages are $210 for full coverage and $103 for minimum coverage.

Here's what you need to know about cheap car insurance in Iowa and how to compare insurance quotes to find the best coverage and price for your needs.

Quick Facts
  • Auto-Owners, USAA, and GEICO offer the cheapest car insurance rates for Iowa drivers.

  • Iowa had 52,603 traffic accidents in 2023, resulting in 374 fatalities, according to Iowa Department of Transportation Data.

  • Minimum coverage requirements for Iowa drivers are lower than requirements in many other states.

Best car insurance companies in Iowa

The cheapest company for you might differ from others.

That’s because car insurance companies have different ways of pricing policies and offering discounts that can help bring your own cost down. Here’s a glimpse into several of the largest auto insurers in Iowa to help you zero in on which options might be best for you.

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Minimum-coverage policies start at just $22/mo.

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Insurance CompanyBest ForAverage Monthly Quote: Full CoverageIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
USAAOverall$464.5
American FamilyLow rates$534.3
FarmersStudents$643.8
State AutoFarmers$1394.0
SafecoSeniors$903.8
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.

Best car insurance overall in Iowa: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
879
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.
$46/mo

If you’re an active-duty military member, veteran or a qualifying family member, USAA is one of your best options for car insurance due to its low rates, extremely high rate of satisfied customers, and superior financial stability rating.

USAA is a particularly good choice if you prefer to handle your finances online — especially if you want to combine all your bank, investment, and insurance accounts with one institution.

Pros
  • Full-service financial firm

  • Consistently low rates

  • Highest J.D. Power customer satisfaction rating in its region

Cons
  • Gap coverage not available

  • No local offices in Iowa

  • Coverage limited to members of the military community

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

Best for low rates in Iowa: American Family

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848
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.
$27/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.
$53/mo

American Family is among the cheapest car insurance companies in Iowa. However, it's not available in every state — an important consideration if you plan to move. The company also offers a Diminishing Deductible option for an additional cost. This lowers your deductible by $100 each year you renew without filing a claim. Unlike other insurers, there are no limits to how much your deductible can go down, even to $0.


Pros
  • 17 discount options available

  • Diminishing Deductible program can reduce your deductible to $0

  • Second-highest J.D. Power ranking for customer satisfaction in the Midwest region

Cons
  • Available in only 19 states

  • Relatively poor mobile app ratings

  • Fewer add-ons and optional coverages than some competitors

Prices are higher than expected.

Tyrone - October 9, 2023
Verified

They're OK but too expensive.

Sally - July 21, 2023
Verified

They are nice people to do business with, just kind of expensive

Pat - February 1, 2023
Verified
Read our American Family review

Best car insurance for students in Iowa: Farmers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
828
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.
$32/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.
$64/mo

Many insurers offer student discounts, but Farmers has some exceptionally good offerings. Students younger than 25 can qualify for discounts if they share a family car, get good grades, or leave their car at home while attending school. And students whose parents or grandparents use Farmers can qualify for a discount when they purchase their own policy for the first time.

Pros
  • Many different optional coverages available

  • Accident forgiveness coverage available

  • Many discounts for younger drivers

Cons
  • No gap insurance

  • Higher premiums than many competitors

  • Numerous complaints and a 1.4 star rating on Trustpilot

For over a month, I have been trying to get just two vehicles on my policy, and they can’t get it right. And they are impossible to get ahold of. Very frustrating.

Joel - December 1, 2023
Verified

As a company, they were wonderful, but they jacked up their rates so high for me to stay with them. They require you to pay two months in advance, which is $500, which was out of my price range. I just don’t understand why they do that.

jessica - November 27, 2023
Verified

They treated me well.

Karen - November 21, 2023
Verified
Read our Farmers review

Best car insurance for farmers in Iowa: State Auto

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
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.
$139/mo

State Auto is one of the best options for Iowa’s many farmers because, in addition to personal car insurance, it also offers a wide range of options to completely protect your farm and ranch, including all the structures, materials, and vehicles. It even offers umbrella coverage for your operation.

State Auto is unique because it offers three basic auto insurance plans to choose from, with benefits increasing along each tier. You’re free to add or drop coverages within these plans as you need.

Pros
  • Offers three customizable plan options

  • Full range of options for farm and ranch insurance

  • Telematics program offers up to 50% off rates at renewal

Cons
  • Quotes not available online

  • Much higher number of complaints than industry norm in NAIC Complaint Index

  • Very high premiums compared to other insurers

Their customer service is horrible and slow, and they cost us hundreds of dollars extra in added rental car fees for their delays.

Brandon - June 22, 2023
Verified

No problems

Dave - April 12, 2022
Verified

Received a rate increase without notice on renewal

Lynnette - February 2, 2021
Verified
Read our State Auto review

Best car insurance for seniors in Iowa: Safeco

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
808
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.
$38/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.
$90/mo

Iowa senior homeowners will appreciate Safeco’s single-loss deductible policy. If your home and car are damaged in the same event, such as in a storm, Safeco will allow you to file a claim for both with just one deductible, potentially saving you a lot of money.

Additionally, Safeco offers insurance options for golf carts and other “low-speed vehicles,” if you use these handy options for getting around.


Pros
  • Highly rated mobile app

  • Insures classic cars and golf carts

  • Offers single-loss deductible for bundled home and auto policies

Cons
  • Policies only available through a Safeco independent agent

  • Relatively basic suite of coverage options

  • Relatively low J.D. Power customer satisfaction rating

Significant price increase! Over twenty-two dollars monthly, without any driving changes. No accidents or tickets.

BILLY - December 4, 2023
Verified

Quality price & service.

Emery - September 21, 2023
Verified

They are really patient over the phone, and anytime I can change something on my policy online.

Mildred - August 30, 2023
Verified
Read our Safeco review

How Insurify’s experts used internal proprietary data to rate the top auto insurers

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page.

The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service’s database of auto insurance rates.

With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums. The data included on this page represents averages across all driver ages, gender, credit scores, and driver profiles for Iowa drivers.

How to shop for the best car insurance in Iowa

Here’s a five-step plan that will help you choose the cheapest insurance option that offers the coverage you need:

  1. Start early. Get ready to shop for rates before your current policy ends, as you may qualify for good discounts if you avoid any lapses in coverage. 

  2. Check your credit report. Make sure there aren’t any errors listed that can affect your rates. If there are, dispute them with the credit bureaus to get them removed.[1]

  3. Figure out your insurance needs. Figure out what types and coverage options you might need. If you’re financing your car, your lender may require a full-coverage policy.

  4. Research insurers. Make a short list of companies licensed in your state that you can check rates with. Look for customer reviews, financial strength ratings, and features you prefer.

  5. Get quotes. Using a comparison website or working with an agent, be sure to get quotes from at least three insurers. Request itemized quotes from all insurers so you can find the best, most affordable coverage for your needs.

How to get the cheapest car insurance in Iowa

“Iowa is generally very affordable for car insurance costs, with a variety of insurance carrier options available compared to many other states across the country,” says Chance McElhaney, communications director and legislative liaison for the Iowa Insurance Division.

Iowans still have a lot of ways to save money on their car insurance, including:[2]

  • Get a rate quote from several insurers before each policy renewal.

  • Choose the highest-deductible plan you can afford if you need to file a claim.

  • Drive safely and less often to lower your odds of costly accidents and citations.

  • Work on improving your credit, which will also help with cheaper premium costs.

Minimum car insurance requirements in Iowa

Like most states, Iowa requires a minimum amount of liability coverage in order to drive legally. These coverage limits are commonly expressed as 20/40/15. Compared to most other states, Iowa’s minimum car insurance requirements are slightly less than the common 25/50/25.[3]

Bodily Injury, per PersonBodily Injury, per AccidentProperty Damage
$20,000$40,000$15,000
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.

Liability-only vs. full-coverage insurance in Iowa

If you drive in Iowa, you’ll need to be covered by a policy that contains a minimum level of liability coverage: $20,000 in bodily injury liability per person, up to $40,000 total per accident, and $15,000 in property damage liability.[4] This pays the medical bills if you hurt someone in an accident or damage someone else’s property, such as by running into the wall of someone’s home.

Those figures represent the minimum required, but you can opt to purchase higher coverage limits if you like, or even add different coverage options into the mix. It’s pretty common for drivers to buy coverage that protects their own vehicles, too. This is commonly called a full-coverage policy and includes comprehensive and collision insurance. If you lease or finance a vehicle, the leasing company and lender will typically require you to have full coverage.

“In general, if there is a loan on a vehicle, you’ll need full coverage. Iowans should discuss their options with a licensed insurance agent to ensure their coverage meets their specific needs,” says McElhaney.

Many Iowa drivers choose a liability-only policy because it’s less expensive. You might also opt for a liability-only policy if you drive an older car that has little actual cash value. But if you want to ensure you can fix your car and protect all your assets from any potential lawsuits following an at-fault accident, you should consider adding more insurance. 

Here’s an example of the price difference between the liability-only and full-coverage policies offered through two Iowa insurers:

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Auto-Owners4322
USAA4623
GEICO5025
American Family5327
Allstate5628
Farmers6432
Travelers8643
Nationwide8743
Safeco9038
Progressive10251
Midvale Home & Auto10358
Direct Auto12666
Dairyland14952
Liberty Mutual18062
Bristol West19057
Foremost19595
The General19589
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.

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Iowa car insurance rates by driving and accident history

Your driving record is one of the largest factors influencing the cost of your car insurance. If you have bad marks on your driving record, such as speeding tickets, convictions for operating while intoxicated, or if you’ve ever been in an at-fault accident, you can expect your rates to go up dramatically. That’s because, statistically speaking, you’re more likely to file an expensive claim.

Here’s a look at average monthly quotes for full coverage based on driving and accident history.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 RecordAt-Fault AccidentOWISpeeding Ticket
Auto-Owners43627258
USAA46657760
GEICO50718465
American Family53758970
Allstate56799473
Farmers649010784
Travelers86123144114
Nationwide87124146115
Safeco90139151127
Progressive102150171139
Direct Auto126186191172
State Auto139215233196
Dairyland149215250201
Liberty Mutual180273302253
Bristol West190268318253
The General195285327264
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.

SR-22 insurance in Iowa

If your driver’s license is suspended or revoked after a major infraction, like an OWI, you’ll need to go through a process to reinstate your driving privileges. Part of that process is finding an insurer that will offer you a policy. Then, you must file proof of insurance — via Form SR-22, Certificate of Automobile Liability Insurance — with the Iowa’s Office of Driver Services.[5]

If you’ll need your insurer to file an SR-22 with Iowa's driver services department, check that the insurer offers this service before you purchase a policy. Some insurers also charge a filing fee to do this.

Iowa car insurance rates by credit tier

While insurance companies aren’t allowed to use your credit history alone to approve or reject your request for coverage, they can use it in combination with other factors to decide whether to offer you a policy and how much your rate will be. About 95% of insurers use your credit information in this way.[6]

People with poor credit scores will likely have a harder time finding insurance and may pay more for coverage than people with excellent or good credit scores.

Car insurance quotes in Iowa cities

One of the reasons car insurance in Iowa is so cheap compared to the rest of the country is because of a reduced likelihood you’ll need to file a high-dollar car insurance claim. This is due less congested roadways, fewer accidents, and a lower cost of repairs than many other states.

These factors apply to ZIP codes within the state as well, which is why car insurance prices can vary by city or even the neighborhood you live in. Here's a look at car insurance rates in Iowa cities.

CityAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability
Cedar Rapids$174$71
Council Bluffs$209$75
Des Moines$191$75
Sioux City$183$69
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.

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Iowa car insurance rates by driver age

There’s a complex interplay between how age can affect insurance rates. Younger drivers pay a lot more for car insurance because they’re not as experienced as older drivers, and statistically they’re more likely to cause an accident and file a claim. Most people don’t see a rate reduction until age 25.[7]

Rates typically increase after age 70 as insurance industry data shows the probability of accident increases for senior drivers.[8]

Age GroupAverage Monthly Quote
Teenagers$254
Under 25$210
20s$157
30s$143
40s$130
50s$101
60s$94
70s$97
80+$107
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

Looking to learn more about purchasing the most affordable car insurance in Iowa? Find answers to your questions here.

  • Who has the cheapest car insurance in Iowa?

    Auto-Owners offers the cheapest car insurance in Iowa, with liability policies starting at $22 per month. Iowans can also find affordable coverage with the state's second- and third-cheapest insurers, USAA and GEICO, which offer minimum-coverage polices as low as $23 and $25 per month, respectively.

  • What is the required car insurance coverage in Iowa?

    Iowa requires a liability-only car insurance policy with a minimum coverage amount of $20,000 per person ($40,000 per accident) and $15,000 in property damage. This is slightly less than the minimum requirements in most other states.

  • What are the best car insurance companies in Iowa?

    The best car insurance company in Iowa is USAA due to its exceptional IQ Score and relatively low rates. However, it’s only available for members of the military community.

    State Farm and American Family are two good choices available to anyone. Both feature high customer satisfaction scores and low premiums.

  • How does credit affect car insurance premiums in Iowa?

    Car insurance companies in Iowa are allowed to take your credit history into account when deciding whether to offer you a policy, and, if so, how much that policy will cost. If you have bad credit, it could be harder to buy a policy at an affordable rate.

  • Is Iowa a no-fault state?

    Iowa is an at-fault state. This means the insurance of the driver who caused an accident is responsible for paying for the other driver's damages and injuries.

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. National Association of Insurance Commissioners. "Consumer Shopping Tool for Auto Insurance." Accessed April 20, 2023
  2. Insurance Information Institute. "Nine ways to lower your auto insurance costs." Accessed April 20, 2023
  3. Insurance Information Institute. "Automobile Financial Responsibility Laws By State." Accessed April 20, 2023
  4. Iowa Insurance Division. "Automobile Insurance." Accessed April 20, 2023
  5. Iowa Department of Transportation. "Suspensions/Revocations." Accessed April 20, 2023
  6. National Association of Insurance Commissioners. "Credit-Based Insurance Scores." Accessed April 20, 2023
  7. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed April 20, 2023
  8. Insurance Institute for Highway Safety. "Older drivers." Accessed April 20, 2023
Lindsay VanSomeren
Lindsay VanSomeren

Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.

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
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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 HalachevVice President of Engineering
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Konstantin HalachevVice President of Engineering
  • 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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