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Best Car Insurance Companies in Iowa 2022: Quotes, Discounts

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Doug Shaffer

By: Doug Shaffer

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated May 10, 2022

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Quick Facts

  • Insurify’s best-rated insurance provider in Iowa is Nationwide.
  • Travelers is the cheapest insurer on average in Iowa, with average rates of $91 per month.
  • The best-rated car insurance provider might not be the best for every unique driver profile, so it’s important for drivers to compare quotes from multiple insurers before buying a policy.

Staying safe on the road and complying with insurance laws doesn’t have to break the bank.

To drive legally in Iowa, you are required to carry the minimum auto insurance coverage by state law. But staying safe on the road doesn’t have to come with a big monthly check.

Use a comparison tool like Insurify to compare real car insurance quotes from insurers in Iowa and find the best car insurance rates for you. It’s easy to use, and you can secure your cheap car insurance in under five minutes!

See More: Best Car Insurance Companies

See More: Best and Worst Sites to Compare Car Insurance

Best Car Insurance Companies 2022

According to the Insurance Information Institute, you should get at least three quotes from different insurance companies to find the best deal. As a driver in Iowa, you have plenty of auto insurance companies to shop with to find the best Iowa car insurance for you.

You can expect to pay average rates of $121 monthly - or $1,452 annually - for an auto insurance policy in Iowa. However, you can save up to $489 annually if you compare quotes and find the best deal.

RankCompany NameAverage Cost Per Month in IowaInsurify Composite Score
1Nationwide$11989
2Safeco$12186
3Liberty Mutual$15882
4Travelers$9180
5State Auto$14176
6Midvale Home & Auto$117Not Rated
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Insurify Composite Score Methodology

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.

Top Car Insurance Companies: Find the Right One for You

What is the best car insurance in Iowa?

In Iowa, Nationwide, Safeco, Liberty Mutual, Travelers, and State Auto all offer good customer service, reliably pay claims, and have generally good rates for drivers. Keep in mind that your individual auto insurance rates will depend on factors like your driving record, your age, your gender, and your credit score.

To comply with insurance requirements, you need to carry the state minimum required coverage. As an Iowa driver, you need at least $20,000 in bodily injury liability coverage per person, $40,000 in bodily injury liability coverage per accident, and $15,000 in property damage liability. If you do not have this coverage, you will be driving uninsured.

Keep in mind that liability insurance does not cover bodily injury you may sustain or damage to your vehicle from a driving accident. It only covers the damages the other driver suffers when you’re at fault. So, if you want to be better protected, consider a full-coverage policy, with comprehensive coverage and collision coverage.

Whether you want to shop for minimum coverage or full-coverage options, below you can find overviews of the seven top insurers in Iowa and their average car insurance premiums.

See More: Full-Coverage Car Insurance

See More: Bundle Home & Auto Insurance

1
Nationwide logo

Nationwide

Average monthly cost:
$119
Insurify Composite Score:
89

According to the U.S. News survey, 76 percent of the respondents were completely satisfied with the ease of filing a claim with Nationwide. Nationwide’s estimation process, First Notice of Loss (FNOL), and repair process are also reported above the national average among top insurance providers.

One of Nationwide’s notable features is the SmartRide program, which allows the insurer to monitor your safe driving behavior through a mobile app or a smart device. This feature allows good drivers to keep their insurance premiums down. It also offers a family plan, which entitles each member of your family to every policy feature and discount you qualify for.

Top discounts that the company offers include multiple policy (for example, if you combine your car insurance with homeowners insurance), a discount for insuring your whole family, and a discount for insuring multiple vehicles.

In the table below, you can find Nationwide’s average monthly quotes for different types of drivers in Iowa.

Driver CategoryAverage Monthly Cost
Drivers Under 25$178
Drivers Over 60$85
Safe Drivers (No Prior Violations)$111
Drivers With a Prior Accident$173
Drivers With a Prior Speeding Ticket$170
Drivers With Average Credit$133
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
2
Safeco logo

Safeco

Average monthly cost:
$121
Insurify Composite Score:
86

Safeco offers 24/7 customer support to its policyholders and a number of additional coverages, such as pet coverage or $10,000 for reimbursement of first aid at the scene of an accident. It also has a diminishing deductible for every year you go without an auto insurance claim. Safeco offers the minimum liability coverage as well as more comprehensive insurance options.

Top discounts that the company offers include good credit, multiple vehicle, and low mileage.

Below are the average auto insurance rates in Iowa for various driver categories can expect at Safeco.

Driver CategoryAverage Monthly Cost
Drivers Under 25$201
Drivers Over 60$76
Safe Drivers (No Prior Violations)$106
Drivers With a Prior Accident$163
Drivers With a Prior Speeding Ticket$153
Drivers With Average Credit$124
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Liberty Mutual has the highest average rates on this list. Its insurance agents are available for claim support and roadside assistance 24/7. Liberty Mutual policyholders enjoy various benefits, such as accident forgiveness for drivers who have maintained a clean driving record free of DUIs for five or more years and a lifetime repair guarantee for vehicle repairs at one of Liberty Mutual’s partnered shops.

Top discounts that the company offers include advance shopper, driving training, and a discount for enrolling in its telematics program RightTrack.

Here are the average monthly costs of Liberty Mutual car insurance for different groups of Iowans.

Driver CategoryAverage Monthly Cost
Drivers Under 25$269
Drivers Over 60$85
Safe Drivers (No Prior Violations)$147
Drivers With a Prior Accident$198
Drivers With a Prior Speeding Ticket$182
Drivers With Average Credit$158
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
4
Travelers logo

Travelers

Average monthly cost:
$91
Insurify Composite Score:
80

Travelers offers the cheapest auto insurance in Iowa on this list and a variety of different policies, from underinsured/uninsured motorist coverage to comprehensive and collision coverage policies. It also offers access to more than 6,500 auto repair and glass shops nationwide, with guaranteed repairs and automatic payment options.

Top discounts that the company offers include safe driver, continuous coverage, and good payer.

Find the average monthly costs for different categories of auto owners below.

Driver CategoryAverage Monthly Cost
Drivers Under 25$126
Drivers Over 60$71
Safe Drivers (No Prior Violations)$84
Drivers With a Prior Accident$113
Drivers With a Prior Speeding Ticket$122
Drivers With Average Credit$93
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
5
State Auto logo

State Auto

Average monthly cost:
$141
Insurify Composite Score:
76

State Auto offers a unique prime of life program, which offers qualifying customers over the age of 45 premium discounts and extra-value coverages at no additional cost. It also provides a gap insurance policy called auto replacement cost coverage, which will cover the replacement costs of a totaled vehicle, even if that cost exceeds the vehicle’s actual cash value.

Top discounts that the company offers include multiple policy, good driver, and early quote.

Compare the average monthly rates for different driver categories from State Auto.

Driver CategoryAverage Monthly Cost
Drivers Under 25$175
Drivers Over 60$111
Safe Drivers (No Prior Violations)$124
Drivers With a Prior Accident$227
Drivers With a Prior Speeding Ticket$215
Drivers With Average Credit$161
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Midvale Home & Auto offers simple, easy, and straightforward auto coverage with 24/7 claims assistance, online and mobile access to your policy, and flexible billing options. Enroll in liability coverage or combine different policies for more comprehensive protection.

Top discounts that the company offers include passive restraint, anti-theft device, and good student.

Compare Midvale Home & Auto average monthly rates for different driver categories below.

Driver CategoryAverage Monthly Cost
Drivers Under 25$171
Drivers Over 60$75
Safe Drivers (No Prior Violations)$97
Drivers With a Prior Accident$167
Drivers With a Prior Speeding Ticket$155
Drivers With Average Credit$127
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Average Monthly Cost of Car Insurance in Iowa

Your car insurance premiums also depend on where you live in Iowa. According to Insurify data, residents of Council Bluffs pay approximately $69 more on car insurance than the average, which adds up to $828 a year. Overall, residents of bigger cities in Iowa can expect to pay more in car insurance premiums than Iowans in more rural areas.

CityAverage Monthly Cost
Cedar Rapids$143
Council Bluffs$190
Davenport$162
Des Moines$152
Sioux City$151
Waterloo$156
West Des Moines$160
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How to Determine the Best Car Insurance Company for Yourself

Shopping around before purchasing car insurance can help you save an average of $489 a year. And if you don’t want to spend hours answering the same questions about your credit score and driving history for each insurance company and then comparing your quotes on your own, there’s a much easier way to find cheap auto insurance!

See More: Car Insurance for Bad Driving Records

Think of Insurify as your personalized online insurance agent. It uses the latest AI technologies to give you real car insurance quotes side by side in one place in under five minutes. Simply spend a few moments on our trusted platform telling us about you, your vehicle, and coverage preferences. Then, you’ll get 10+ personalized quotes to pick the best auto insurance policy and save money.

Unlike comparison sites that take your information and sell it to the highest bidder, Insurify is built on trust. We are committed to securing the best deals for you at the lowest rate possible, whether you’re a young driver or have been on the road for many years.

Frequently Asked Questions

  • Which car insurance company in Iowa is best for you depends on the type of coverage you’re looking for, where you live, your driving record, your vehicle, what discounts you want to be eligible for, and other factors. To find an insurer with the best quotes and coverage for your particular situation, use Insurify.

  • On our list, Travelers offers the lowest average cost of $91 per month. However, this is just an average, and the best way to find the cheapest car insurance company in Iowa is to use our AI-powered comparison tool Insurify to compare personalized quotes from over a dozen of companies.

  • To drive legally in Iowa, you need to carry the minimum required liability insurance. However, liability insurance doesn’t cover your bodily injury or property damage to your vehicle, only that of the other driver. You can supplement your required liability insurance with collision and comprehensive coverage. Use Insurify to find the cheapest policy with the most coverage.

  • Use Insurify to compare accurate car insurance quotes and discounts from top insurers in Iowa in a matter of minutes. Choose between coverage levels, adjust deductibles, and find the cheapest policy without compromising the quality of your coverage.

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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.

Doug Shaffer
Doug Shaffer

Content Writer at Insurify

Doug Shaffer is an insurance writer for Insurify. He has had the opportunity to write for several large, national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. Even though he enjoys writing for most product lines, he loves auto insurance the most. During the moments he manages to break away from the keyboard, he can be found spending time with his family.

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