120+ more*Quotes generated for Insurify users from Iowa within the last 10 days. Last updated on May 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Iowa within the last 10 days. Last updated on May 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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9+ years in personal finance writing
Certified Financial Counselor
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
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7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
Iowa drivers pay an average of $56 per month for liability insurance and $111 monthly for full-coverage policies, according to Insurify data.
The average cost of car insurance in Iowa is significantly lower than the national monthly averages of $98 for liability insurance and $187 for full coverage.
We analyzed data from 120+ leading insurers to find the cheapest car insurance in Iowa. Below are the companies with the lowest rates for different driver profiles and coverage options:
Driver Category  | Cheapest Insurance Company in IA | Cheapest Monthly Quote in IA |
|---|---|---|
| Overall | State Farm | $24 |
| State-minimum coverage | State Farm | $24 |
| Full coverage | State Farm | $47 |
| Drivers with a clean record | State Farm | $24 |
| After a speeding ticket | State Farm | $32 |
| After an at-fault accident | State Farm | $34 |
| After an OWI | State Farm | $36 |
| Teen/new drivers | State Farm | $49 |
| Seniors | State Farm | $19 |
| Bad credit | State Farm | $33 |
In Iowa, drivers must have insurance policies that meet the state’s minimum liability requirements of $20,000/$40,000 in bodily injury liability and $15,000 for property damage.[1] We found that the insurers with the lowest rates for liability coverage in Iowa are State Farm and Auto-Owners.
The following table shows the insurers with the lowest average premiums for liability insurance in Iowa:
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $24 |
| Auto-Owners | $38 |
| USAA | $40 |
| GEICO | $45 |
| American Family | $47 |
| Allstate | $50 |
| Progressive | $50 |
| Safeco | $53 |
| National General | $56 |
| Farmers | $58 |
| Bristol West | $60 |
| The General | $61 |
| Liberty Mutual | $64 |
| Direct Auto | $68 |
| Dairyland | $70 |
| Root | $71 |
| Nationwide | $76 |
| Travelers | $76 |
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Brett Clendenen
Licensed P&C Insurance Agent and Sales Manager, Insurify
Like a lot of states, Iowa’s minimum coverage requirements are low compared to how much damage an accident can cause in the real world. Say you hit and total a luxury car. Your liability could add up to a lot more than $15,000. That’s why we agents usually advise folks to buy liability coverage that’s higher than your state’s required limits.
Although Iowa only requires liability insurance, purchasing a full-coverage policy with collision, comprehensive, and liability insurance can be a smart decision.
Iowa lies within Tornado Alley, so cars are at higher risk of weather-related damage. Animal-related collisions are common, too. Approximately 14% of crashes in Iowa are due to animals, like deer, according to the Iowa Insurance Division.
Without a full-coverage policy, you’d be on the hook for repairing or replacing your car yourself after a storm or collision.
Iowa drivers pay an average of $111 per month for full-coverage policies. The table below highlights the companies with the cheapest full-coverage car insurance in Iowa:
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $47 |
| Auto-Owners | $75 |
| USAA | $81 |
| GEICO | $86 |
| American Family | $93 |
| Safeco | $93 |
| National General | $96 |
| Allstate | $98 |
| Root | $101 |
| Direct Auto | $108 |
| Farmers | $113 |
| Liberty Mutual | $115 |
| Bristol West | $145 |
| Nationwide | $150 |
| Travelers | $150 |
| Dairyland | $155 |
| The General | $185 |
*Quotes generated for Insurify users from Iowa within the last 10 days. Last updated on May 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Iowa within the last 10 days. Last updated on May 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
With its relatively low population density, Iowa’s car insurance tends to be cheaper than it is in more congested parts of the country.
To find the right coverage, compare quotes from the best car insurance companies in Iowa. We selected three of the top insurance companies in Iowa based on average prices, coverage options, and customer service ratings.
| User Reviews | 4.3 |
|---|---|
| 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. | $38/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. | $75/mo |
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
More than 7,300 animal-related collisions occur each year in Iowa, according to the Iowa Department of Transportation, highlighting the need for full-coverage insurance. State Farm offers competitive rates on full-coverage policies. You can potentially save even more by bundling your auto coverage with homeowners insurance.
State Farm is also one of the highest-rated companies for customer service in Iowa, according to the J.D. Power U.S. Auto Insurance Study.
Highly rated for customer service
Sells rideshare insurance
Multi-policy car insurance discounts available
Doesn’t offer gap insurance
No accident forgiveness available
Much higher rates for drivers with poor credit
| User Reviews | 4.3 |
|---|---|
| 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. | $38/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. | $75/mo |
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
One-third of Iowa’s population is in rural areas, according to the U.S. Census Bureau, and Iowans who live on farms or ranches could find a good fit with Auto Owners. The company offers car insurance and farm insurance at competitive rates.
And if you have a new truck, SUV, or car, Auto-Owners also sells gap insurance. It would cover the difference between what you owe on a loan or lease and the vehicle’s current value if it’s stolen or totaled.
Offers farm coverage
Sells gap coverage
Competitive rates for Iowa teen drivers
No online quotes
Fewer discounts than competitors
Only 2 out of 5 stars on Trustpilot
| 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. | $81/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
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.
In Iowa, approximately 177,000 people (about 5.5% of the population) are veterans.[2] Veterans can save money by switching to USAA, as the insurer is one of the cheapest in the state. Plus, members can qualify for extra perks and benefits, such as discounts on new tires, car rentals, and tickets to local attractions like the Great Plains Zoo or McGrath Amphitheatre.
Some of the lowest rates in Iowa
Perks program for shopping discounts
Sells car replacement assistance
Available only to Iowans with military affiliation
Fewer discounts than competitors
Low Trustpilot reviews
Insurance rates in Iowa have remained fairly steady, according to Insurify’s American Driver report. Unlike many other states, the report projects that Iowa’s rates will actually be slightly lower by the end of the year.
Insurify predicts that the average car insurance premium in Iowa will be $1,230 by the end of 2026, a decrease of $16 from the end of 2025.
The table below shows how car insurance rates have changed in Iowa over the past five years:
State Name | 2021-04 | 2021-05 | 2021-06 | 2021-07 | 2021-08 | 2021-09 | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 | 2026-04 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Iowa | 1,128 | 1,118 | 1,127 | 1,123 | 1,120 | 1,126 | 1,133 | 1,138 | 1,152 | 1,179 | 1,216 | 1,235 | 1,251 | 1,274 | 1,279 | 1,282 | 1,300 | 1,302 | 1,310 | 1,333 | 1,344 | 1,373 | 1,387 | 1,417 | 1,439 | 1,501 | 1,512 | 1,558 | 1,591 | 1,616 | 1,644 | 1,670 | 1,698 | 1,715 | 1,776 | 1,844 | 1,898 | 1,953 | 1,950 | 1,922 | 1,913 | 1,874 | 1,837 | 1,781 | 1,770 | 1,767 | 1,782 | 1,752 | 1,725 | 1,693 | 1,630 | 1,564 | 1,492 | 1,433 | 1,384 | 1,337 | 1,326 | 1,322 | 1,322 | 1,325 | 1,334 |
| United States | 1,559 | 1,557 | 1,552 | 1,555 | 1,558 | 1,558 | 1,562 | 1,567 | 1,569 | 1,569 | 1,573 | 1,579 | 1,592 | 1,603 | 1,608 | 1,613 | 1,619 | 1,626 | 1,633 | 1,641 | 1,650 | 1,667 | 1,690 | 1,720 | 1,758 | 1,803 | 1,850 | 1,888 | 1,919 | 1,957 | 1,984 | 2,006 | 2,037 | 2,077 | 2,129 | 2,194 | 2,240 | 2,300 | 2,342 | 2,368 | 2,389 | 2,385 | 2,373 | 2,369 | 2,361 | 2,349 | 2,364 | 2,366 | 2,365 | 2,355 | 2,341 | 2,317 | 2,285 | 2,257 | 2,228 | 2,214 | 2,221 | 2,222 | 2,224 | 2,233 | 2,238 |
Liability policies start from $24/mo.
As in nearly every state in the U.S., Iowa requires all drivers to have active car insurance policies. Driving without the necessary coverage can lead to a misdemeanor charge and fines.[3]
Your Iowa car insurance policy must meet the following coverage minimums:
$20,000 per person and $40,000 per accident
$15,000 per accident
Where you live affects your premiums. In Iowa, full-coverage policies are more expensive in Council Bluffs, which has a much higher population density and property crime rate than the rest of the state.
Below are the average rates for different cities in Iowa:
City | Average Monthly Quote |
|---|---|
| Cedar Rapids | $79 |
| Davenport | $84 |
| Des Moines | $84 |
| Sioux City | $83 |
Drivers with clean records and good credit usually have the lowest insurance premiums in Iowa. In the Hawkeye State, drivers with clean driving records and excellent credit pay an average of $48 per month for car insurance.
The table below shows the cheapest car insurance rates for drivers with clean records in Iowa:
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $23 |
| Auto-Owners | $36 |
| USAA | $38 |
| GEICO | $43 |
| American Family | $46 |
| Allstate | $49 |
| Progressive | $50 |
| National General | $50 |
| Farmers | $55 |
| Safeco | $55 |
| The General | $57 |
| Bristol West | $58 |
| Direct Auto | $64 |
| Dairyland | $66 |
| Liberty Mutual | $66 |
| Root | $70 |
| Nationwide | $71 |
| Travelers | $72 |
Speeding tickets in Iowa can result in fines ranging from $30 to $135 (and even higher for speeding in work zones or by a school bus).
In Iowa, drivers with speeding tickets pay an average of $76 per month for liability insurance. This table highlights the cheapest insurers for Iowa drivers with speeding tickets:
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $32 |
| Auto-Owners | $52 |
| USAA | $54 |
| GEICO | $61 |
| American Family | $63 |
| Allstate | $68 |
| Progressive | $68 |
| Safeco | $72 |
| National General | $73 |
| Farmers | $77 |
| Bristol West | $79 |
| The General | $85 |
| Liberty Mutual | $85 |
| Direct Auto | $89 |
| Dairyland | $91 |
| Root | $98 |
| Nationwide | $103 |
| Travelers | $103 |
In Iowa, approximately 5% of drivers have an at-fault accident on their driving records, Insurify data shows, and past accidents can cause you to pay higher premiums. The average car insurance premium for liability insurance after an accident in Iowa is $82 per month.
The table below shows the lowest liability insurance rates for drivers with at-fault accidents on their records in Iowa:
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $34 |
| Auto-Owners | $53 |
| USAA | $57 |
| GEICO | $63 |
| American Family | $67 |
| Allstate | $71 |
| Progressive | $74 |
| Safeco | $78 |
| National General | $79 |
| Farmers | $82 |
| Bristol West | $84 |
| The General | $89 |
| Liberty Mutual | $90 |
| Direct Auto | $98 |
| Dairyland | $98 |
| Root | $101 |
| Nationwide | $108 |
| Travelers | $108 |
Iowa has a higher-than-average percentage of drivers with convictions for operating while intoxicated (OWI). Insurify data shows that just over 1% of Iowa drivers have been convicted of driving under the influence. Penalties for an OWI include jail time, fines, and revocation of a driver's license.[4]
On average, drivers with OWIs on their records in Iowa pay $87 per month for liability insurance. The table below shows the lowest liability insurance rates for drivers with OWIs in Iowa.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $36 |
| Auto-Owners | $57 |
| USAA | $60 |
| GEICO | $67 |
| American Family | $67 |
| Allstate | $75 |
| Progressive | $77 |
| Safeco | $84 |
| National General | $84 |
| Farmers | $87 |
| The General | $88 |
| Bristol West | $90 |
| Liberty Mutual | $96 |
| Direct Auto | $102 |
| Dairyland | $105 |
| Root | $107 |
| Nationwide | $114 |
| Travelers | $114 |
Iowa requires drivers with suspended or revoked licenses to maintain proof of financial responsibility with an SR-22 form for at least two years.[5] In Iowa, you may need SR-22 coverage after the state has suspended or revoked your license due to an OWI or other major traffic violation.
The table below shows the lowest insurance rates for drivers with SR-22 coverage in Iowa:
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $33 |
| Auto-Owners | $52 |
| USAA | $55 |
| GEICO | $61 |
| American Family | $64 |
| Allstate | $68 |
| Progressive | $68 |
| Safeco | $72 |
| National General | $76 |
| Farmers | $79 |
| Bristol West | $82 |
| The General | $83 |
| Liberty Mutual | $87 |
| Direct Auto | $93 |
| Dairyland | $95 |
| Root | $97 |
| Nationwide | $104 |
| Travelers | $104 |
Full-coverage rates start as low as $36/mo. for Iowans with an OWI
About 23% of Iowa’s population is younger than 18, according to the U.S. Census Bureau. In Iowa, teen drivers pay an average of $112 per month for car insurance — more for car insurance than other age groups.
Below, this table shows the insurers with the lowest car insurance rates for teen drivers in Iowa:
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $49 |
| USAA | $78 |
| Auto-Owners | $81 |
| GEICO | $85 |
| American Family | $93 |
| Progressive | $100 |
| Allstate | $104 |
| Bristol West | $112 |
| Safeco | $113 |
| The General | $115 |
| National General | $117 |
| Liberty Mutual | $118 |
| Farmers | $121 |
| Dairyland | $128 |
| Root | $130 |
| Direct Auto | $138 |
| Nationwide | $155 |
| Travelers | $165 |
Nearly 19% of Iowa’s population is aged 65 or older.[6] In 2025, nearly 10,500 accidents in Iowa involved drivers older than 65, according to Iowa Department of Transportation data.
Seniors pay an average of $48 per month for liability insurance in Iowa. The table below shows the insurance companies with the lowest average premiums for senior drivers in Iowa:
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $19 |
| Auto-Owners | $30 |
| USAA | $32 |
| GEICO | $36 |
| American Family | $38 |
| Allstate | $41 |
| Progressive | $43 |
| National General | $44 |
| Farmers | $46 |
| Safeco | $46 |
| Bristol West | $50 |
| The General | $52 |
| Liberty Mutual | $53 |
| Direct Auto | $56 |
| Nationwide | $58 |
| Root | $59 |
| Dairyland | $60 |
| Travelers | $61 |
Drivers in Iowa tend to have better-than-average credit. The average credit score in Iowa as of 2024 was 719, according to Equifax. That’s 14 points higher than the national average.
Iowa allows insurance companies to use drivers’ credit histories as part of their underwriting processes. People with poor credit usually pay much higher rates for coverage than people with good to excellent credit. On average, Iowa drivers with bad credit pay $62 per month.
Below are the companies with the cheapest insurance rates for drivers with poor credit in Iowa:
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $33 |
| USAA | $46 |
| GEICO | $52 |
| American Family | $53 |
| Auto-Owners | $54 |
| Progressive | $56 |
| Allstate | $58 |
| Safeco | $62 |
| National General | $65 |
| Farmers | $68 |
| Bristol West | $70 |
| The General | $71 |
| Liberty Mutual | $72 |
| Direct Auto | $79 |
| Dairyland | $82 |
| Root | $83 |
| Nationwide | $89 |
| Travelers | $89 |
Comparing quotes through Insurify could cut your bill up to 50%
The following answers to common questions can help you find the right Iowa auto insurance policy:
In Iowa, drivers must have car insurance policies with at least $20,000/$40,000 in bodily injury liability protection and $15,000 in property damage liability insurance.
On average, Iowa drivers pay $56 per month for liability-only insurance and $111 per month for a full-coverage policy, according to Insurify data.
In Iowa, the cheapest car insurance company is State Farm, with an average monthly rate of $24 for liability-only coverage.
For full-coverage policies, Iowa drivers pay an average of $111 per month.
The financial responsibility system refers to the Iowa Financial and Safety Responsibility Act. This law revokes a driver’s license and vehicle registration if they can’t prove they have adequate insurance. And it requires that drivers have their licenses revoked after a conviction or an unpaid fine.[7]
Yes. Insurance companies offer optional coverages in Iowa, including additional liability insurance, collision coverage, comprehensive coverage, rental car coverage, gap insurance, and more.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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9+ years in personal finance writing
Certified Financial Counselor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
