Best Car Insurance in Iowa (2025)

GEICO, Allstate, and American Family are among the top insurers for Iowa drivers.

Jess Ullrich
Written byJess Ullrich
Jess Ullrich
Jess UllrichInsurance Writer
  • Más de 10 años escribiendo sobre seguros y finanzas personales

  • Ex editora asociada de finanzas de Investopedia

Jess es experta en seguros, banca y otros temas de finanzas personales. Sus artículos han aparecido en numerosos medios de comunicación web, como Investopedia.

Featured in

media logomedia logo
Katie Powers
Edited byKatie Powers
Photo of an Insurify author
Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia logo
Daniel Roccato
Reviewed byDaniel Roccato
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Updated

Save up to $1,025 by comparing quotes from the top 120+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

The factors you prioritize when shopping for car insurance might differ from what your neighbor values. Each driver has varying priorities, so finding the right car insurance policy for your coverage needs can be difficult. Many companies offer quality coverage in Iowa for drivers looking for a new car insurance policy. Narrowing down your options is key.

Insurify analyzed 50 car insurance companies in Iowa to help you find the best policy for your needs. Here’s what you should know about the best car insurance options in Iowa.

Best car insurance companies in Iowa

The best way to find an affordable auto policy that meets your coverage needs is to compare quotes and coverage options from multiple car insurance companies. The following insurers are Insurify’s top picks for the best car insurance companies in Iowa.

GEICO: Best overall

User Reviews
3.9
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.
9.2 /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.
$44/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.
$78/mo
3.9
A solid optionBased on 12,186 verified guest reviews and ratings
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,488)
Gerard
Verified Review
I shopped around and Geico is the lowest priced.
Reviewed in Florida on September 2025
Go with Geico because they are the lowest priced.
Yvonne
Verified Review
Insurance Renewal Review – Loyalty vs. Better Rates
Reviewed in Florida on September 2025
We have had Geico now for over 10 years and have been pleased with the overall service, but unless our kids went off our insurance policy, our rates never went down, no matter what additional discounts we added on. Now we are down to three people and are still paying close to $750/month, so we started to get quotes for a better rate since longevity or loyalty does not get us any perks.
Cheryle
Verified Review
Fair
Reviewed in New York on September 2025
The premium increases every six months, even though I have no tickets or DUIs.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
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++
Why we picked this company

GEICO is our best overall pick for Iowa drivers seeking a new car insurance policy. A household name, GEICO offers financial stability, cheap car insurance rates, and a broad range of discounts. For example, you can potentially save on coverage by earning multi-vehicle, clean driving record, and good student discounts.

Pros
  • AM Best financial strength rating of A++ (Superior)

  • Accident forgiveness available

  • Many discounts available

Cons
  • Rideshare coverage not available

  • Gap insurance not available

  • Below-average customer satisfaction rating in the J.D. Power 2024 U.S. Auto Insurance Study[1]

Allstate: Best for customer satisfaction

User Reviews
3.9
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.
8.9 /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.
$49/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.
$89/mo
3.9
A solid optionBased on 7,035 verified guest reviews and ratings
How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,708)
Karen
Verified Review
Great Company
Reviewed in South Carolina on September 2025
Allstate is a nice company.
Scott
Verified Review
Allstate review
Reviewed in Ohio on August 2025
Good policy premium pricing
Teresa
Verified Review
Rip off
Reviewed in Tennessee on August 2025
Priced fairly high to start, but the rates have kept going up with no added bonuses.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
629
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
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-
Why we picked this company

With high customer satisfaction ratings from J.D. Power and 24/7 chat support, Allstate is a good option for Iowa drivers seeking a company that values its customers. Allstate has an established, intuitive digital presence that makes it easier to access your account and file claims through your online dashboard or mobile app.

Pros
  • Lower-than-average number of National Association of Insurance Commissioners (NAIC) customer complaints

  • Above-average customer satisfaction rating in the J.D. Power 2024 U.S. Auto Insurance Study

  • Rideshare insurance available

Cons
  • Higher rates than some competitors

  • Credit rating recently downgraded by AM Best

  • Some negative customer reviews on Trustpilot

American Family: Best for discounts

User Reviews
4.5
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.
9.3 /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.
$46/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.
$84/mo
4.5
Best choiceBased on 489 verified guest reviews and ratings
How drivers feel about American Family

Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
How drivers feel about American Family

Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (242)
Nella
Verified Review
Insurance Shopping
Reviewed in Georgia on August 2025
Very nice, but the auto insurance was double what I’m paying now.
George
Verified Review
American Family Horrible
Reviewed in Washington on August 2025
Horrible. 300% premium increase in 6 years. 60% last year. No claims with 10-year-old cars and no moving violations.
Dwayne
Verified Review
Paying too much for safe driving
Reviewed in Nevada on August 2025
I pay too much for my age and safe driving habits for the past 10 years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
674
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47
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
Why we picked this company

American Family is the best option for Iowa drivers seeking car insurance discounts. It’s an especially good choice for young Iowa drivers and people with a clean driving record. The company offers targeted discounts for both.

Young drivers can earn discounts for maintaining good grades, being away at school, volunteering in their community, having a parent who’s an American Family customer, and more. Safe drivers can save with auto safety and good driver discounts.

Pros
  • Lower-than-average number of NAIC customer complaints

  • Discount of up to 25% for low-mileage drivers

  • Several discounts available for young drivers

Cons
  • Rideshare coverage not available

  • Higher rates than some competitors

  • Limited optional coverages

Auto-Owners: Best for low rates

User Reviews
3.9
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.
8.2 /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.
$37/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.
$68/mo
3.9
A solid optionBased on 227 verified guest reviews and ratings
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (131)
Karen
Verified Review
Good rates.
Reviewed in Tennessee on September 2025
I would recommend.
James
Verified Review
Overpriced
Reviewed in Nebraska on August 2025
I’ve had no contact with them since I’ve never had a claim to speak with them. Their prices are going up very rapidly despite never having any kind of claim.
Linda
Verified Review
Best Claim Service
Reviewed in Michigan on August 2025
When a driver drove into my back end, the communication and service were excellent!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
663
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
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++
Why we picked this company

If low insurance prices are your top priority, you should consider Auto-Owners. The car insurance company offers the lowest rates on average in Iowa, per Insurify data. Auto-Owners also has more than a dozen discount offerings that drivers can qualify for to save even more on coverage.

Plus, the company has a high financial strength rating from AM Best, which indicates its ability to pay out claims.

Pros
  • Lowest average rates among top companies in Iowa

  • Optional roadside assistance

  • Lower-than-average number of NAIC customer complaints

Cons
  • Can’t file claims online

  • Limited customer service hours

  • Quotes not available online

USAA: Best for veterans and military members

User Reviews
4.9
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.
9.1 /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.
$40/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.
$72/mo
4.9
Best choiceBased on 2,163 verified guest reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,217)
Roger
Verified Review
Good
Reviewed in Florida on September 2025
All good except for rate increases.
Edward
Verified Review
USAA is wonderful
Reviewed in California on September 2025
USAA is the best value for money in the insurance market. Their customer service is excellent.
Bob
Verified Review
Solid Insurance Company
Reviewed in Alabama on August 2025
I'm a 68-year customer. That should tell you everything.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
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++
Why we picked this company

Veterans and service members account for more than 6% of Iowa’s population. If you’re a current, reserve, or former military member, you should consider a car insurance policy from USAA. The company also extends coverage offerings to some eligible family members.

USAA offers policyholders cheap car insurance rates and ample discounts, including specialized discounts for storing vehicles during deployment.

Pros
  • Several discounts available

  • Cheap car insurance rates

  • AM Best financial strength rating of A++ (Superior)

Cons
  • Some negative customer reviews on Trustpilot

  • Higher-than-average number of NAIC complaints

  • Only for military members, veterans, and qualifying family members

  • Our editorial team analyzed regional and national auto insurance companies that sell policies in Iowa to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.

How to get the best car insurance in Iowa

Remember that the best car insurance for you might not be the best for your Iowa neighbor. That’s why shopping around for a policy is so important. It’ll help you identify the best coverage based on your unique needs and budget.

The following tips can help you start your search for a new auto policy.

  • illustration card https://a.storyblok.com/f/162273/x/2d92436d68/protection-for-your-car.svg

    Consider your coverage needs

    The minimum requirement amount of bodily injury and property damage liability insurance may suffice for some Iowa drivers, like people with older, inexpensive vehicles. But others — especially drivers with newer cars or high-mileage drivers — should consider buying optional coverage for vehicle protection. If youre financing or leasing a vehicle, your lender will likely require full coverage. Think about your coverage needs before you shop.[2]

  • illustration card https://a.storyblok.com/f/162273/150x150/243feaaa23/contact-us-96x96-orange_033-rating.svg

    Research prospective car insurance companies

    After you understand your coverage needs, you can research prospective insurers. Review online customer reviews, customer satisfaction ratings, financial strength ratings, and more.

  • illustration card https://a.storyblok.com/f/162273/x/d980bd9cc4/membership.svg

    Look into discounts

    Different car insurance companies offer varying savings opportunities, so comparing discounts is essential. Doing so will help you find an insurer with car insurance discounts that match your driving profile. Compare the total number of discounts — and their percentages — you may qualify for, if that information is available.

  • illustration card https://a.storyblok.com/f/162273/150x150/8329623678/money-96x96-blue_025-online-money.svg

    Compare quotes

    Once you’ve researched and narrowed down your list of prospective insurers, it’s time to compare quotes. Many car insurance companies allow you to either get a quote online or start the quote process online. You can also use an insurance company comparison site to streamline and simplify the process of getting quotes from multiple companies.

Find Cheap Car Insurance in Iowa

Insurify partners with top insurers for real quotes

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Average cost of car insurance in Iowa

Iowa drivers pay significantly less than the national average for car insurance coverage. On average, Iowa drivers pay $107 per month for a full-coverage car insurance policy, compared to the national average of $182. Liability insurance costs an average of $54 for Iowa drivers, compared to the national average of $103 per month.

While most U.S. states have seen car insurance rates increase in recent years, Iowa drivers benefited from a 5% decrease in premiums from 2023 to 2024. Unfortunately, Insurify projects a slight premium increase of 4% for Iowa drivers in 2025.

Best car insurance in Iowa FAQs

If you’re still trying to find good car insurance in Iowa for your coverage needs, the following information can help answer your questions.

  • How much is car insurance in Iowa?

    The overall cost of car insurance in Iowa is $80 per month. By coverage level, the average cost of car insurance is $107 per month for full coverage and $54 for liability-only coverage.

    How much you pay for coverage will depend on factors like your driving history, age, car insurance company, coverage level, ZIP code, and more.

  • What are the best car insurance companies in Iowa?

    Allstate, American Family, Auto-Owners, GEICO, and USAA are among the top car insurance companies in Iowa. These companies offer ample discounts, good customer support, and financial stability, which means they can pay out policyholder claims.

    The best car insurance company for you will vary based on your unique situation, including demographics like location and driver age.

  • What is the required auto insurance coverage amount in Iowa?

    The state of Iowa requires drivers to buy minimum coverage that includes $20,000 per person in bodily injury liability, $40,000 per accident in bodily injury liability, and $15,000 in property damage liability.[3] You may want to purchase more coverage — especially if you drive a newer car or have a long commute. Purchasing more coverage will increase your average rate.

Sources

  1. J.D. Power. "Trust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, J.D. Power Finds."
  2. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  3. Iowa Insurance Division. "Auto Insurance."
Jess Ullrich
Jess UllrichInsurance Writer

Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.

Jess has been a contributor at Insurify since September 2022.

Katie Powers
Edited byKatie PowersSenior Editor
Photo of an Insurify author
Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia logo
Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate