Cheapest Car Insurance Quotes in Iowa
State Farm, Auto-Owners, and USAA offer some of Iowa’s cheapest car insurance quotes.
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Writer: Taylor Milam-Samuel Insurance Writer
Writer: Taylor Milam-Samuel Insurance Writer
Qualifications:
8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
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Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, 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 reviewer: Konstantin HalachevVP of Engineering & Data Science
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Qualifications:
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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Iowa car insurance at a glance
Cheapest car insurance company in Iowa: State Farm
Cheapest car insurance rate in Iowa: $25
Average monthly liability-only car insurance cost in IA: $56
Average monthly full-coverage car insurance cost in IA: $111
Cheapest car insurance quotes in Iowa
State Farm, Auto-Owners, and USAA offer the cheapest car insurance in Iowa. But they may not be the cheapest insurers for you.
If you have a less-than-perfect driving record or poor credit, you’ll usually pay more for coverage. Iowa drivers with a clean driving record and good credit usually pay the cheapest car insurance rates.
The table below shows the Iowa insurers with the cheapest liability-only and full-coverage car insurance.
The below rates in Iowa are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT.
Data reviewed by Konstantin Halachev)
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $25 | $48 |
| Auto-Owners | $40 | $77 |
| USAA | $43 | $82 |
| GEICO | $44 | $91 |
| American Family | $49 | $96 |
| Safeco | $53 | $101 |
| National General | $55 | $101 |
| The General | $58 | $190 |
| Bristol West | $59 | $145 |
| Farmers | $60 | $115 |
| Allstate | $61 | $98 |
| Liberty Mutual | $64 | $122 |
| Direct Auto | $65 | $117 |
| Dairyland | $71 | $171 |
| Root | $73 | $113 |
| Travelers | $80 | $154 |
Disclaimer: Table data sourced from real-time Iowa car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Iowa may vary based on the policy buyer's unique driver profile.
Best-rated insurance companies in Iowa
We analyzed thousands of real customer ratings and industry scores to find the top car insurance companies in Iowa. Each insurer stands out in a specific category, including full coverage, minimum coverage, savings, and customer service.
Best for full coverage: State Farm
| User Reviews | 4.2 |
|---|---|
| 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. | $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. | $48/mo |
4.2
Best choice in IowaBased on 21,683 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best in Iowa for
Showing 18 reviews from Iowa driversSee all 8,303 State Farm reviews
Verified Review
Reviewed in Iowa on November 6, 2026
They have a good team.
Verified Review
Reviewed in Iowa on October 6, 2026
Great service.
Verified Review
Reviewed in Iowa on September 21, 2026
I would look somewhere else. There might be worse, but I certainly hope there’s better. They charge high premiums for every little thing, but then, when you do have a claim, they drag their feet and use every excuse in the book not to pay—or try to pay you much less than they know they owe you.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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
Allstate offers accident forgiveness to prevent a premium increase after an at-fault accident, which can help make a full-coverage policy more affordable. Allstate also has an above-average JD Power customer satisfaction rating in the New England region, which includes Connecticut.
Pros
Cheap full coverage in Iowa
Lowest rates for Iowa teens
Most affordable full coverage after an operating while intoxicated (OWI) conviction
Cons
Higher-than-average rates for drivers with poor credit
Gap insurance not available
Rates increase by about 40% after an at-fault accident
Best for minimum coverage: GEICO
| User Reviews | 4.1 |
|---|---|
| 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. | $91/mo |
4.1
Best choice in IowaBased on 21,330 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 4.0 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Iowa for
Showing recent national reviewsSee all 8,353 GEICO reviews
Verified Purchase
Reviewed in Texas on November 10, 2026
Too high!
Verified Review
Reviewed in Texas on November 10, 2026
Do not use auto pay with GEICO. They increase rates, knowing people will most likely just accept them.
Verified Review
Reviewed in Georgia on November 9, 2026
Constant price hikes and no real transparency about how they raise or lower your insurance premiums.
JD Power
JD 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’s liability-only coverage costs 21% less than the Iowa state average. Drivers with poor credit can find solid rates for minimum coverage, and GEICO also offers low rates for Iowa teen drivers.
Pros
Cheap liability rates in Iowa
Mechanical breakdown coverage available
Below-average liability rates for Iowa teens
Cons
Only one local agent in Iowa
Full coverage is more expensive than some competitors
Fewer optional coverages than some insurers
Best for savings: 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. | 9.1 /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. | $43/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. | $82/mo |
4.9
Best choice in IowaBased on 4,408 verified driver reviews and ratings
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 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Iowa for
Showing recent national reviewsSee all 1,741 USAA reviews
Verified Review
Reviewed in Oklahoma on November 9, 2026
Join USAA. Awesome.
Verified Review
Reviewed in North Carolina on November 9, 2026
It was good, but I found a less expensive option.
Verified Review
Reviewed in Nevada on November 8, 2026
USAA has better coverage for the same price as other insurers. When I was rear-ended, I never saw a bill—they were on top of everything. They made the process easy and hassle-free.
JD Power
JD 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
USAA offers some of the lowest rates in Iowa, and customers rate it highly for value and discounts. Liability coverage is cheaper than average, but only military members, veterans, and their families can get USAA insurance. The insurer could be a good option for Iowa veterans, who account for about 5% of the state’s population.
Pros
Reviewers give high scores for value and discount availability
Second-cheapest liability rates for Iowa teens and drivers with poor credit
Full coverage costs nearly 30% less than the state average
Cons
Available only to military members, veterans, and eligible family members
Full coverage costs more per month than State Farm
No local offices in Iowa
Best for customer service: American Family
| User Reviews | 4.6 |
|---|---|
| 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. | $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. | $96/mo |
4.6
Best choice in IowaBased on 634 verified driver reviews and ratings
American Family's score | Industry average | |
|---|---|---|
| Coverage options | 4.7 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.7 | 2.9 |
| Policy transparency | 4.6 | 3.1 |
| Value | 4.5 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Iowa for
Showing recent national reviewsSee all 286 American Family reviews
Verified Review
Reviewed in Nevada on October 29, 2026
Check American Family first—excellent service and affordability.
Verified Review
Reviewed in Missouri on October 13, 2026
No problems with any of the three policies.
Verified Review
Reviewed in Nevada on September 26, 2026
Great service so far. No issues. Fair pricing.
JD Power
JD 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
Insurify customers rate American Family’s customer service and claims handling higher than any other insurer in Iowa. It also scored above-average for customer satisfaction for the Central region in the JD Power 2026 Auto Insurance Study. The company offers affordable rates and has local agents throughout the state. American Family also has cheap rates for senior drivers.
Pros
Highly rated for customer service and claims handling in Iowa
Local agents available throughout Iowa
Low rates for senior Iowa drivers
Cons
Full coverage is more expensive than some competitors
Rideshare coverage not available
Accident forgiveness available only as an add-on
How we chose the best companies
To identify the best car insurance companies for Iowa drivers, we evaluated 200-plus regional and national companies. We analyzed thousands of user reviews from verified Insurify customers to identify which companies provided the best overall experience, claims and customer satisfaction, and overall value. Whenever available, we considered scores and rankings from third-party organizations, such as AM Best and J.D. Power. We assessed multiple data points to rate affordability, coverage options, available discounts, customer satisfaction, and financial strength.
How much is car insurance in Iowa?
On average, Iowa drivers pay $674 per year for liability-only car insurance and $1,335 for full coverage. These rates are much lower than the national annual averages of $1,184 for liability coverage and $2,243 for full coverage.
Iowa has a relatively low population density, which may help explain the state’s low rates. Fewer people on the road usually means less risk of accidents. In 2025, Iowa had its lowest number of traffic deaths on record, according to the Iowa Department of Transportation.[1] But deer collisions continue to rise, increasing comprehensive coverage costs.[2]
Compare Iowa Car Insurance
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Average car insurance quotes in Iowa cities
Car insurance rates are similar across most Iowa cities. Davenport, the state’s third-largest city by population, and Des Moines, the largest, have the highest auto insurance costs in Iowa, according to Insurify data.
Drivers in Davenport pay some of the highest full-coverage rates in Iowa, at an average of $112 per month. Des Moines drivers also pay relatively expensive rates, at $113 per month.
The table below shows average liability and full-coverage rates for different Iowa cities.
The below rates in Iowa are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Sioux City | $59 | $108 |
| Cedar Rapids | $60 | $109 |
| Council Bluffs | $61 | $112 |
| Des Moines | $63 | $113 |
| Davenport | $64 | $112 |
Disclaimer: Table data sourced from real-time Iowa car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Iowa may vary based on the policy buyer's unique driver profile.
On-the-spot guidance from licensed insurance experts
)
Britney BalkLicensed P&C Agent and Customer Service Supervisor
Britney BalkLicensed P&C Agent and Customer Service Supervisor
Qualifications:
Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
)
Brett ClendenenLicensed P&C Insurance Agent and Sales Manager
Brett ClendenenLicensed P&C Insurance Agent and Sales Manager
Qualifications:
Licensed property and casualty insurance agent
15+ years of insurance experience
Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
)
Anuj DesaiLicensed Property & Casualty Insurance Agent
Anuj DesaiLicensed Property & Casualty Insurance Agent
Qualifications:
Licensed property and casualty insurance agent
25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
Why you should compare car insurance quotes in Iowa
Every car insurance company in Iowa calculates rates differently. That’s why it’s always smart to compare quotes for the best deal. By comparing rates, you can find the insurer that best fits your situation.
To keep your quotes as accurate as possible, follow these steps:
Gather your documents. Keep your driver’s license, vehicle identification number (VIN), and current insurance policy nearby.
Compare similar quotes. Make sure you compare the same coverage limits and deductibles across insurers. You should also check if you qualify for any discounts.
Include your driving record. When requesting quotes, note any tickets, accidents, or other traffic violations on your record.
Get multiple quotes. Get quotes from at least three different insurance companies to find the best price for your coverage.
Iowa car insurance requirements
Like most states, Iowa requires drivers to have a minimum amount of liability insurance. Here are Iowa’s car insurance requirements:
Bodily injury liability coverage: You need $20,000 per person and $40,000 per accident to help cover injuries you cause to another driver or their passengers.
Property damage liability coverage: You need $15,000 per accident to help pay for damages you cause to someone else’s property in an accident.[3]
Iowa’s 20/40/15 minimum coverage limits are lower than in many other states. Iowa is an at-fault state, so drivers don’t have to buy personal injury protection (PIP). Insurance companies must offer uninsured and underinsured motorist coverage, but you can decline it in writing.
Agent Tip
“Iowa’s 20/40/15 minimum limits usually aren’t enough to cover a serious accident. If you total someone’s $40,000 car, minimum coverage would pay for only $15,000. You’d have to pay the remaining $25,000 out of pocket. It’s a good idea to buy more liability than Iowa’s minimum requirements for greater financial protection.”
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Britney BalkLicensed P&C Agent and Customer Service Supervisor
How to find the cheapest Iowa car insurance
Shopping around is the most effective way to find cheaper auto coverage in Iowa. Here are a few more steps you can take to find more affordable car insurance:
Improve your credit. Like many states, Iowa allows insurers to consider credit information in rating decisions. Drivers with poor credit tend to pay more for car insurance.[4] Improving your credit and maintaining a clean driving record can help you find cheaper coverage.
Increase your deductible. Increasing your deductible can lower your monthly costs. But make sure you can afford the extra out-of-pocket expense if you file a claim.
Consider your coverage. If you have an older or paid-off vehicle, you may not need full coverage. Iowa records many animal collisions every year, but you may save money if you can afford to repair or replace your car out of pocket.
Bundle your policies. Many insurers offer discounts for combining your auto policy with homeowners or renters insurance.
Drive less. Some companies offer lower rates if you don’t drive often, and Iowans overall drive less than people in other states. Iowa’s mean commute time is just under 20 minutes, while the national mean is more than 27, according to U.S. Census Bureau data. Ask about low-mileage discounts or usage-based insurance programs.
Compare quotes. Get at least three quotes at each policy renewal to ensure you get the cheapest price for your coverage.
Find Cheap Car Insurance
Compare quotes in Iowa, starting at an average of $25/mo.
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Find quotes for your driver profile
Car insurance rates in Iowa depend on your age, driving history, credit score, and where you live. To get the best deal, compare quotes that match your personal details. Here’s some useful information for different drivers in Iowa:
How car insurance costs have changed in Iowa
Insurify data shows that Iowa’s average annual full-coverage premium dropped by about 25% since 2024, going from $1,778 to $1,332. This decrease was partly due to insurers seeing fewer claims and offering lower rates to attract new customers.
Insurify's American Driver Report predicts that Iowa’s rates will stay about the same in 2026, ending the year around $1,322. Higher inflation, gas prices, and repair costs are keeping rates from dropping more.
Here’s a look at how car insurance prices in Iowa have changed over the last few years.
Average Iowa Car Insurance Rates Over the Past Five Years
State Name | 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 | 2026-05 | 2026-06 | 2026-07 | 2026-08 | 2026-09 | 2026-10 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Iowa | 1,133 | 1,138 | 1,152 | 1,184 | 1,224 | 1,248 | 1,261 | 1,279 | 1,285 | 1,292 | 1,311 | 1,313 | 1,318 | 1,336 | 1,358 | 1,380 | 1,395 | 1,428 | 1,454 | 1,517 | 1,526 | 1,578 | 1,612 | 1,637 | 1,673 | 1,697 | 1,722 | 1,723 | 1,782 | 1,845 | 1,887 | 1,945 | 1,935 | 1,897 | 1,916 | 1,874 | 1,837 | 1,776 | 1,774 | 1,765 | 1,785 | 1,748 | 1,721 | 1,694 | 1,628 | 1,560 | 1,493 | 1,434 | 1,385 | 1,339 | 1,332 | 1,327 | 1,327 | 1,332 | 1,340 | 1,333 | 1,337 | 1,340 | 1,338 | 1,338 | 1,335 |
| United States | 1,562 | 1,565 | 1,566 | 1,569 | 1,571 | 1,578 | 1,591 | 1,602 | 1,607 | 1,612 | 1,617 | 1,624 | 1,631 | 1,639 | 1,650 | 1,665 | 1,689 | 1,718 | 1,758 | 1,802 | 1,850 | 1,886 | 1,917 | 1,956 | 1,982 | 2,006 | 2,036 | 2,075 | 2,127 | 2,191 | 2,237 | 2,295 | 2,341 | 2,368 | 2,390 | 2,387 | 2,374 | 2,371 | 2,362 | 2,352 | 2,368 | 2,369 | 2,369 | 2,357 | 2,344 | 2,319 | 2,286 | 2,258 | 2,229 | 2,217 | 2,223 | 2,224 | 2,225 | 2,233 | 2,239 | 2,237 | 2,238 | 2,238 | 2,240 | 2,241 | 2,243 |
Iowa car insurance FAQs
If you’re unsure how much coverage you need or what an SR-22 is, these answers to common Iowa car insurance questions can help.
What is the cheapest car insurance in Iowa?
State Farm has the cheapest car insurance in Iowa, with liability policies averaging $25 per month. But it may not be the cheapest insurer for you. How much you pay for coverage depends on many factors, including your age, ZIP code, and coverage choices.
How much is car insurance in Iowa?
Car insurance in Iowa costs an average of $84 per month. Iowa drivers pay an average of $56 per month for liability-only insurance and $111 per month for full coverage. Your own rate depends on factors like your age, driving history, vehicle, and ZIP code.
Is Iowa a no-fault state?
No. Iowa is an at-fault state. In an at-fault state, the driver who causes an accident is responsible for paying for the damages. Iowa, like most at-fault states, doesn’t require personal injury protection (PIP).
What is the Iowa Automobile Insurance Plan?
The Iowa Automobile Insurance Plan (IAIP) helps drivers who can’t get insurance from other companies. To qualify, you must have tried and failed to get coverage in the last 60 days. You also must apply through a licensed insurance agent.[5]
What is SR-22 insurance in Iowa?
An SR-22 is a certificate of financial responsibility that proves you meet Iowa’s minimum car insurance requirements. You typically need to file an SR-22 after the state suspends your license or you get an OWI.[6] Your insurer files the SR-22 with the state on your behalf.
What are the car insurance requirements in Iowa?
In Iowa, you must have at least $20,000 per person and $40,000 per accident of bodily injury liability coverage, plus $15,000 of property damage liability coverage. Minimum liability insurance helps pay for injuries and damages you cause to others in a car accident.
Sources
- Iowa Department of Transportation. "Can Iowa Repeat Low Traffic Fatalities In 2026? What the DOT Is Doing To Keep The Safety Momentum Rolling."
- Iowa Department of Transportation. "Roadside Chat – It's the time. It's the place. Deer are in motion.."
- Iowa Insurance Division. "Auto Insurance."
- Iowa Legislature. "515.103 Use of credit information — personal insurance."
- AIPSO. "Iowa Automobile Insurance Plan."
- Iowa Department of Transportation. "Proof of Insurance After a Suspension (SR-22)."
Methodology
Insurify data scientists analyzed more than 250 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:
- 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
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Car Insurance Requirements in Iowa
Iowa law requires you to carry liability coverage of at least 20/40/15.
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Cheap SR-22 Insurance in Iowa From $35
The average rate for liability insurance with an SR-22 on your record is $77 per month in Iowa.
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How Much Is Car Insurance in Iowa?
Drivers in Iowa pay an average of $1,005 per year for car insurance.
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Best Car Insurance in Iowa
GEICO, Allstate, and American Family are among the top insurers for Iowa drivers.
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Free Car Insurance Quotes Online From Top-Rated Companies
Getting multiple quotes from Insurify for top insurance companies could help you save up to $1,100 per year.
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How Long Does It Take to Get Car Insurance?
You can have a new car insurance policy within minutes of receiving a quote.
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Compare Car Insurance Rates From $47/mo. (Updated November 2026)
Find the lowest car insurance rates from 120+ insurers and save up to $1,100* annually with Insurify’s insurance-comparison tool.
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Compare car insurance quotes in real-time
November 2026 - Compare car insurance quotes from 120+ companies, including GEICO, Allstate, Progressive, and save up to 50% or more in 2 minutes.
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Cheapest Auto Insurance in Cedar Rapids, Iowa
State Farm offers the cheapest car insurance in Cedar Rapids, with minimum-coverage policies as low as $25 per month.
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Cheap Car Insurance Quotes in Council Bluffs, Iowa (November 2026)
State Farm is the most affordable insurer in Council Bluffs, averaging $26 per month for liability-only coverage. The city’s high rate of motor vehicle theft and severe winter weather risks make car insurance more expensive than the statewide average.
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Cheapest Auto Insurance in Davenport, Iowa
Drivers in Davenport will find the cheapest car insurance coverage from State Farm, with monthly liability-only rates as low as $26.
Cheapest Car Insurance Quotes in Des Moines (November 2026)
State Farm has the cheapest average car insurance rates in Des Moines, Iowa, at $26 per month. A high population density and severe weather risks, including hail and tornadoes, affect the city’s car insurance costs.
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Cheapest Auto Insurance in Sioux City, Iowa
State Farm has the cheapest liability car insurance in Sioux City, with a rate of $25 per month.
Writer: Taylor Milam-Samuel Insurance Writer
Writer: Taylor Milam-Samuel Insurance Writer
Qualifications:
8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Qualifications:
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.