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Iowa Average Cost of Car Insurance Rates (2022)

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Mark Steinbach

By: Mark Steinbach

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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How Much Does Car Insurance Cost In Iowa?

On average, car insurance rates for drivers in Iowa are $158 per month, and $1897 per year. The average rates make Iowa the 43rd most expensive state in the country for car insurance rates and 41% less expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $15850%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best Iowa Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Iowa and has selected the following providers and quotes as the best rates for drivers in Iowa.

Cheapest CompaniesQuotes
Progressive$17
State Farm$28
Allstate$38
Nationwide$65
GEICO$71

Iowa Car Insurance Rates by City

For drivers in Iowa, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Iowa.

CityAvg. Monthly Rate
Ames$153
Ankeny$159
Cedar Rapids$147
Council Bluffs$194
Davenport$161
Des Moines$156
Iowa City$142
Sioux City$153
Waterloo$155
West Des Moines$161

What Is the Average Cost of Car Insurance in Iowa by Age?

Teens getting behind the wheel in Iowa should expect to pay $174 per month on average for car insurance. Thankfully, the rates go down a decent amount as you become a young adult, with drivers in their 20s paying an average of $136 per month. Drivers in their 30s pay on average $137 per month. And average rates stay fairly consistent for middle-aged drivers, but spike up to $294 per month for drivers over 80 years old.

AgeAvg. Monthly Rate
Teens$174
20s$136
30s$137
40s$124
50s$103
60s$115
70s$119
>80s$294

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What Is the Average Cost of Car Insurance in Iowa by Gender?

For Iowa drivers, there is only a marginal difference in average car insurance rate based on gender. Men pay $167 per month on average, while women pay a bit less at $153 per month.

GenderAvg. Monthly Rate
Male$167
Female$153

Does Marital Status Influence the Average Cost of Car Insurance in Iowa?

When an Iowa driver gets married, they can expect a nice bonus alongside that wedding ring: cheaper car insurance. On average, married drivers pay $18 less on their car insurance.

Overall, married Iowans pay $146 per month, which is $12 below the state average. Meanwhile, single Iowa drivers pay a slightly higher rate of $164 per month.

Marital StatusAvg. Monthly Rate
Married$146
Single$164

What Are the Minimum Car Insurance Requirements in Iowa?

Iowa is a bit of an outlier when it comes to car insurance minimums because the state actually doesn’t require motorists to have car insurance. That said, if an Iowa driver gets into an accident, the driver must demonstrate proof of financial responsibility to the Iowa Department of Transportation. In most cases, it’s easier to just get a car insurance policy that meets your needs.

iowa

How Does Credit History Affect Iowa Car Insurance Rates?

Iowa allows car insurance companies to consider your credit score when determining your car insurance rates. That’s why it makes sense that Iowans with an excellent credit history pay the least for car insurance on average ($142 per month), while those with a poor credit history pay a higher rate ($151 per month).

Those with an average or good credit history pay even more, at $154 per month and $155 per month, respectively.

Credit HistoryAvg. Monthly Rate
Poor$151
Average$154
Good$155
Excellent$142

What Is the Average Cost of Car Insurance in Iowa for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Iowa will pay $14 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $36. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving HistoryAvg. Monthly Rate
No Violation$146
At-Fault Accident$183
Speeding$160

Tips for Researching Iowa Car Insurance Rates

Car insurance rates can vary widely between car insurance companies. And with several carriers offering their services in Iowa, drivers in the Hawkeye State will want to make sure they’re comparing rates so that they can find a policy that fits their budget and unique needs.
Insurify is all about making it easy to compare quotes so that drivers can find cheap car insurance rates. With Insurify, dozens of free car insurance quotes are just a few clicks away, setting you up to find the right policy at the right price.

Top Auto Insurance Companies

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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Iowa Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Iowa. 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.

  • The way to find the carrier with the best auto insurance ratings in Iowa and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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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.

Mark Steinbach
Mark Steinbach

Content Writer at Insurify

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.

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