Cheapest Auto Insurance in Iowa (2024)
Auto-Owners offers the cheapest liability rates in Iowa, at $22 per month.
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Written byMelanie Lockert
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Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
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Reviewed byMark Friedlander
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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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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.
Updated November 20, 2024
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Table of contents
Home to the college town of Iowa City and the capital of Des Moines, Iowa has a significant amount of farmland and a low crime rate, which positively affects its car insurance rates.[1] The average cost of liability-only insurance in Iowa is $57 per month, according to Insurify data, which is lower than the national average of $104 per month.
Learn what factors affect your costs and where to find cheap car insurance in Iowa.
Quick Facts
Auto-Owners, USAA, and GEICO offer the cheapest liability rates in Iowa.
Iowa drivers pay an average of $1,567 per year for full-coverage car insurance.
The Insurance Information Institute found that 9.9% of Iowa drivers are uninsured.[2]
3 of the cheapest car insurance companies in Iowa
If you’re in the market for new auto insurance coverage, you have many factors to consider. Here are three of the cheapest options for car insurance in Iowa, and who might benefit the most from each company.
Keep them in mind as you begin your search.
Insurance Company ▲▼ | 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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $43 | $22 | Farmers |
| USAA | 9.4 | $46 | $23 | Veterans and military members |
| GEICO | 9.0 | $50 | $25 | Homeowners |
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.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for farmers: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| 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. | 8.5 /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. | $22/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. | $43/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
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
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.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
Iowa has a strong history in the agricultural industry, and farmers looking for car insurance should consider Auto-Owners. The company offers affordable auto insurance coverage and farm insurance in one place.
As an auto insurer, Auto-Owners offers standard coverage options in addition to road-trouble service, gap coverage, and accident forgiveness. The company also offers a multi-policy discount, and you may qualify if you also get farm insurance, home insurance, or life insurance from Auto-Owners.
Pros
Offers gap coverage
Many available discounts
Coverage for classic or modified vehicles
Cons
Low customer rating on the Better Business Bureau (BBB) website
Not available in every state
Not as many discounts as some other insurers
Best insurer for veterans and military members: USAA
| 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. | 9.4 /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. | $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 |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
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
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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
Iowa is home to more than 171,000 veterans and 1,300 active-duty service members, according to U.S. Census data and Military State Policy Source.[3][4]
USAA is a membership-based insurance and financial services company that works exclusively with the military community. It offers a range of insurance products and discounts if you’re on a military base or if you store your car on base during a deployment.
Best insurer for homeowners: GEICO
| User Reviews | 4.0 |
|---|---|
| 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. | 9.0 /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. | $25/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. | $50/mo |
4.0
Best choiceBased on 10271 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,647)
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
Chris
November 18, 2024
Verified Review
Poor
The customer service is below average and terrible.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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
According to U.S. Census data, 71.5% of Iowa residents own their home.[3] GEICO is a top option for homeowners, as the company offers savings when you bundle home and auto insurance.
GEICO offers standard coverage options as well as rental reimbursement, mechanical breakdown insurance, and emergency roadside assistance.
Pros
Mobile app available
15% good student discount
Streamlined claims process with Auto Repair Xpress
Cons
Limited agent network
Rideshare and gap insurance not available
Complaints on Trustpilot about surprise policy cancellations[7]
How to get the cheapest car insurance in Iowa
Car insurance can be costly, but you can do some things to make it more affordable. In addition to driving safely and maintaining a clean record, the following steps can help you get the cheapest car insurance in Iowa:
Research discounts. Insurance companies may offer discounts based on your driving, affiliation, or safety features. Review which ones you qualify for and how much you could save.
Bundle insurance policies. You may get the best deal if you have more than one insurance policy with a company. Adding home insurance or renters insurance could lower your rate.
Check your credit report. Insurance companies may use your credit history as one of the factors to determine your rates. Drivers with good credit typically pay lower rates than drivers with poor credit. Review your credit report to ensure there are no errors that could be costing you money. If there are, dispute them with the appropriate credit bureau.
Compare options. Many insurance companies offer coverage to Iowa drivers, so compare several companies and quotes to find the best coverage for you.
Find Affordable Car Insurance in Iowa
Liability rates average $57 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Iowa: Auto-Owners
Liability-only coverage meets the basic minimum coverage required in Iowa. Liability insurance covers your liability and pays out to cover injuries and damages suffered by the other parties in an accident you cause. But it doesn’t cover any of your damages.
Liability-only coverage costs an average of $57 per month in Iowa.
The table below shows average monthly rates offered by many of the state’s top companies.
10 cheapest insurers for liability-only
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.
Cheapest full-coverage car insurance in Iowa: Auto-Owners
With full-coverage car insurance, you’re typically getting state-required liability insurance, as well as collision and comprehensive coverage. If you’re financing a vehicle or want additional protection, full coverage is likely a good fit for you.
Drivers in Iowa pay an average of $131 per month for full coverage.
In the table below, you can see the top insurance companies offering cheap full-coverage car insurance in Iowa.
10 cheapest insurers for full coverage
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.
Cheapest recent rates in Iowa
Recent Iowa car insurance prices for Ford, Infiniti, Toyota , and more.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Iowa
Iowa requires drivers to carry at least minimum coverage or liability insurance. Iowa is an at-fault or tort state, which means it assigns fault to the driver that caused the incident.[8]
The table below shows the minimum requirements you must meet to drive legally in Iowa:[9]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $20,000 per person / $40,000 per accident |
| Property damage liability | $15,000 |
While you’re only required to carry minimum liability car insurance, it can be a good idea to look into additional coverage options depending on your needs. You can consider the following coverages for more financial protection:
Collision coverage
Liability-only insurance doesn’t cover the damage to your car if you’re in an at-fault accident. Collision coverage can help pay for damage to your vehicle.
Comprehensive coverage
It’s not just accidents you need to worry about. Comprehensive insurance will cover you in events like damage from falling rocks, floods, theft, and vandalism.
Personal injury protection (PIP) coverage
Personal injury protection coverage helps pay for medical expenses if you or your passengers get injured in an accident.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage helps pay costs if you’re involved in an accident with an uninsured driver or if you’ve been the victim of a hit-and-run.
The Iowa Automobile Insurance Plan
If you’ve tried to secure coverage through conventional insurers and have been rejected, you can get car insurance through the Iowa Automobile Insurance Plan (IAIP).
The program began in 1969 and works with insurers to provide high-risk drivers coverage when they lack other options. Iowa drivers seeking coverage through the IAIP must certify they’ve been unable to get auto insurance coverage elsewhere.[10]
Cheapest car insurance for drivers with an incident
While different factors affect your car insurance premiums, your driving history carries a lot of weight. People with a clean driving record free of incidents qualify for the most competitive rates. High-risk drivers with an incident on their record will likely receive more expensive rates.
Common incidents include speeding tickets, at-fault accidents, and driving under the influence (DUI) citations. In the sections that follow, you’ll see how different incident types can affect your rates.
Find Affordable Quotes in Iowa
Rates start as low as $29 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
Speeding affects reaction time and your ability to slow down, elevating your level of risk. Iowa drivers with excessive speeding can get a misdemeanor.[11] If you get a speeding ticket, your insurer will likely hike up your rates.
The average cost of car insurance for drivers with a speeding ticket in Iowa is $211 per month for full coverage and $92 for liability only.
The table below shows what rates you might pay with a clean driving record versus having a speeding ticket on record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $22 | $31 |
| USAA | $23 | $32 |
| GEICO | $25 | $35 |
| American Family | $27 | $38 |
| Allstate | $28 | $39 |
| Farmers | $32 | $45 |
| Nationwide | $43 | $61 |
| Travelers | $43 | $61 |
| Safeco | $44 | $62 |
| National General | $50 | $70 |
| Progressive | $51 | $71 |
| Bristol West | $55 | $78 |
| Dairyland | $56 | $78 |
| Direct Auto | $59 | $83 |
| Liberty Mutual | $70 | $105 |
| Root | $81 | $121 |
| Foremost | $89 | $134 |
| The General | $89 | $127 |
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.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
Insurance companies raise car insurance premiums after an at-fault accident because there’s potential for it to happen again.
Drivers with an at-fault accident in Iowa pay an average of $96 per month for liability coverage and $220 per month for full coverage.
The table below illustrates how much rates go up with an accident, compared to a clean driving record. You can also see which insurance companies offer the cheapest car insurance after an accident in Iowa.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $22 | $33 |
| USAA | $23 | $34 |
| GEICO | $25 | $37 |
| American Family | $27 | $40 |
| Allstate | $28 | $41 |
| Farmers | $32 | $47 |
| Nationwide | $43 | $64 |
| Travelers | $43 | $64 |
| Safeco | $44 | $65 |
| National General | $50 | $74 |
| Progressive | $51 | $76 |
| Bristol West | $55 | $81 |
| Dairyland | $56 | $82 |
| Direct Auto | $59 | $89 |
| Liberty Mutual | $70 | $110 |
| Root | $81 | $127 |
| Foremost | $89 | $139 |
| The General | $89 | $134 |
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.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Iowa drivers found driving under the influence face a range of consequences, including higher car insurance premiums. In Iowa, this is referred to as operating while intoxicated (OWI).
Car insurance companies consider a DUI conviction a major offense, and some insurers may refuse you coverage altogether. Others will raise your rates significantly due to the dangers and risks involved.
Liability-only coverage costs Iowa drivers $107 per month, on average.
Here are the cheapest options for car insurance in Iowa if you have a DUI and the effect it has on rates compared to a clean record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $22 | $39 |
| USAA | $23 | $41 |
| GEICO | $25 | $44 |
| American Family | $27 | $48 |
| Allstate | $28 | $49 |
| Farmers | $32 | $56 |
| Nationwide | $43 | $76 |
| Travelers | $43 | $76 |
| Safeco | $44 | $72 |
| National General | $50 | $88 |
| Progressive | $51 | $90 |
| Bristol West | $55 | $97 |
| Dairyland | $56 | $99 |
| Direct Auto | $59 | $104 |
| Liberty Mutual | $70 | $124 |
| Root | $81 | $129 |
| Foremost | $89 | $157 |
| The General | $89 | $157 |
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.
Cheapest car insurance for seniors: Auto-Owners
Car insurance rates begin to decrease at age 35 and continue to drop well into retirement age. Senior drivers are generally eligible for lower rates because they have ample driving experience, a long driving history, and typically drive less. At around age 70, though, premiums start to increase because the risk profile for older drivers is elevated due to declining faculties.
Senior drivers in Iowa pay a monthly average of $86 for a full-coverage policy.
Here, you can see the cheapest car insurance for seniors in Iowa for both liability and full coverage.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $16 | $30 |
| USAA | $16 | $33 |
| GEICO | $18 | $36 |
| American Family | $19 | $37 |
| Allstate | $20 | $40 |
| Farmers | $22 | $45 |
| Nationwide | $29 | $57 |
| Travelers | $30 | $60 |
| Progressive | $33 | $64 |
| Safeco | $34 | $71 |
| National General | $34 | $66 |
| Bristol West | $39 | $131 |
| Dairyland | $40 | $115 |
| Direct Auto | $41 | $78 |
| Liberty Mutual | $53 | $137 |
| Root | $61 | $91 |
| Foremost | $64 | $141 |
| The General | $65 | $148 |
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.
Cheapest car insurance for teens: Auto-Owners
Teen drivers are expensive to insure as they’re just getting their bearings with driving and learning the rules of the road. It’s not only the lack of experience, though.
Teens and other young drivers engage in risky activities like speeding, distracted driving, not wearing a seat belt, and driving while intoxicated.[12] Due to these factors, car insurance in Iowa for teen drivers is costly, as you can see in the table below.
Liability-only insurance for Iowa teens costs $108 per month, on average.
To get the cheapest car insurance, teens should be added to their parents’ insurance policy and see if they qualify for a good student discount if they get good grades. Getting a car with the latest safety features may also help.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $39 | $76 |
| USAA | $41 | $82 |
| GEICO | $42 | $85 |
| American Family | $49 | $97 |
| Allstate | $53 | $105 |
| Farmers | $59 | $118 |
| Nationwide | $79 | $159 |
| Travelers | $82 | $164 |
| Safeco | $89 | $186 |
| Progressive | $95 | $187 |
| Dairyland | $96 | $275 |
| Bristol West | $98 | $325 |
| National General | $103 | $201 |
| Direct Auto | $114 | $216 |
| Liberty Mutual | $127 | $331 |
| Root | $129 | $192 |
| The General | $150 | $342 |
| Foremost | $167 | $370 |
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.
View Car Insurance quotes in Iowa
Compare quotes from 100+ top insurance companies
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Iowa car insurance quotes by credit tier
The state of Iowa allows insurers to use a person’s credit history information for underwriting purposes. But insurers can’t use your credit history as the sole factor in determining rates, and they can’t use it against you to deny you a policy.
But your credit can affect the cost of car insurance in Iowa. Drivers with poor credit pay higher rates than drivers with good or excellent credit
The chart below illustrates how your credit tier can affect your rates in Iowa.
Rates by Credit Tier
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
If you still have questions about car insurance in Iowa, this additional information may help as you research your coverage options.
How much is car insurance in Iowa?
On average, car insurance in Iowa costs $57 per month for liability-only coverage and $57 per month for full coverage.
Which companies have the cheapest car insurance in Iowa?
Auto-Owners, USAA, and GEICO offer the cheapest liability rates in Iowa, at $22, $23, and $25 per month, respectively.
But these companies might not be the cheapest for you. Comparing quotes is the best way to find the cheapest insurance for your coverage needs.
What are the best car insurance companies in Iowa?
Insurify identified Auto-Owners, USAA, and GEICO as some of the best insurance companies in Iowa. These companies offer drivers plenty of discounts, coverage options, and have high Insurify Quality Scores of 8.5, 9.4, and 9.0, respectively.
What are the minimum car insurance requirements in Iowa?
Iowa requires drivers to have a minimum amount of liability insurance including $20,000 per person and $40,000 per accident in bodily injury liability, and $15,000 of property damage liability coverage.
Is Iowa a no-fault state for car insurance?
No. Iowa is an at-fault, or tort, state. This means that in an at-fault accident, your insurer is responsible for paying any costs related to the other driver’s injuries and vehicle damage.
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 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
- 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.
Related articles
More cities in Iowa
Sources
- Britannica. "Iowa."
- III. "Facts + Statistics: Uninsured motorists."
- Census.gov. "U.S. Census Bureau QuickFacts: Iowa."
- Military State Policy Source. "Iowa."
- Trustpilot. "USAA."
- BBB. "USAA."
- Trustpilot. "GEICO."
- FindLaw. "Iowa Car Accident Compensation Laws."
- Iowa Insurance Division. "Auto Insurance."
- AIPSO. "Iowa Automobile Insurance Plan."
- Iowa.gov. "MOTOR VEHICLES AND LAW OF THE ROAD."
- Transportation Safety. "Teen Drivers and Passengers: Get the Facts."
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Melanie Lockert
Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.
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.
Featured in
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.
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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