Cheapest Car Insurance in Iowa
Here are the cheapest carriers 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.
| Companies | Quotes |
|---|---|
 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 carrier reviews. The following are the top rated carriers that offer car insurance in Iowa. For the complete list, see Insurify's best car insurance companies.
| Companies |
Insurify Composite Score |
Quotes |
|---|---|---|
 American Family |
90
|
$90 /mo |
|
GEICO |
88
|
$71 /mo |
|
Allstate |
87
|
$38 /mo |
|
Nationwide |
85
|
$65 /mo |
|
State Farm |
84
|
$28 /mo |
 Liberty Mutual |
83
|
$124 /mo |
|
Progressive |
81
|
$17 /mo |
Car Insurance in Iowa
Auto insurance costs will vary between locations and insurance carriers. 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.
| City | Cheapest Carrier | Quote |
|---|---|---|
| Des Moines |
Progressive |
$27 /mo |
| Cedar Rapids |
Progressive |
$25 /mo |
| Davenport |
Progressive |
$31 /mo |
| Sioux City |
Progressive |
$27 /mo |
| Iowa City |
Progressive |
$28 /mo |
Iowa Driving Facts
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.
State Rankings
Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Moving Violations Rank
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.
Council Bluffs
% of Hybrids/Electrics 2%
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.
