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Cheap Auto Insurance Quotes in Iowa City, IA (June 2022)
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Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Car Insurance in Iowa City, IA
Drivers in Iowa city and in other cities around the state should buy a car insurance policy if they want to stay safe and legal on the road. Although Iowa is one of the cheaper states in terms of auto insurance rates, with premiums costing drivers an average of $158 per month, cheaper insurance coverage is out there. Use Insurify to get the best rates for you today!
Quick Facts
- The average cost of car insurance in Iowa City is $139 per month, or $1668 annually.
- Car insurance in Iowa City is $3 less than the average cost of car insurance in Iowa.
- The cheapest car insurance provider in Iowa City on average is Progressive, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Liberty Mutual$165
The General$191
Cheapest Car Insurance in Iowa City, IA
Everyone wants cheap car insurance, and luckily for Iowa City residents, there are affordable options available. Although the following insurance companies have the cheapest car insurance quotes in Iowa City on average, it’s always a good idea to shop around and compare quotes so you can make sure you’re getting the best rates based on your circumstances.
| Insurance Provider in Iowa City | Quotes |
|---|---|
| Liberty Mutual | $165 /mo |
| The General | $191 /mo |
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Best Car Insurance in Iowa City, IA
While cheap car insurance is a priority, it’s also important to make sure you have an insurance company that can offer good customer service and reliably pay claims. We analyzed factors that reflect quality, reliability, and health of an insurance company to calculate its Insurify Composite Score and rank car insurance providers.
| Best Companies | Score | Quotes |
|---|---|---|
| Safeco | 86 | $121 /mo |
| Liberty Mutual | 82 | $165 /mo |
| Travelers | 80 | $86 /mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Iowa Cities | |
|---|---|
| Des Moines | $70/mo |
| Cedar Rapids | $64/mo |
| Davenport | $92/mo |
| Sioux City | $85/mo |
| Iowa City | $178/mo |
| Iowa | $98/mo |
Cedar Rapids$64
Des Moines$70
Sioux City$85
Davenport$92
Average for IA$98
Iowa City$178
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in Iowa
All motor vehicles operated or parked on Iowa roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Iowa[1] are:
- $20,000 per person for bodily injury
- $40,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Iowa is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
- $15,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
Iowa City Car Insurance Rates by Driver Age
Age plays a big role in determining your auto insurance rates. Younger drivers, who are less experienced behind the wheel and more likely to get into accidents, tend to see the highest rates. Older drivers, on the other hand, see lower costs. Keep in mind that these averages are for the state of Iowa and rates may be different in Iowa City.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| Teens | $273 |
| 20s | $174 |
| 30s | $125 |
| 40s | $111 |
| 50s | $95 |
| 60s | $88 |
| 70s | $93 |
| 80+ | $96 |
Iowa City Car Insurance Rates by Driving and Accident History
One of the many factors that will determine your car insurance rates is your driving record. Drivers with DUIs, car accidents, and other traffic violations in their past will see higher rates than drivers with clean records. Here’s what you can expect to pay on average in Iowa City based on your driving history.
| Driving History | Avg. Monthly Cost |
|---|---|
| Clean Record | $141 |
| Speeding Ticket | $182 |
| At-Fault Accident | $190 |
| DUI | $279 |
Iowa City Car Insurance Rates by Credit Tier
Your credit score will also affect your car insurance rates. On average, drivers with a good credit score will typically pay less for auto insurance than drivers with a bad credit score because drivers with poor credit account for a higher percentage of paid claims. The following is what you can expect to pay on average in Iowa City based on your credit score.
| Credit Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $122 |
| Good | $130 |
| Average | $152 |
| Bad | $189 |
See More: Bad Credit Car Insurance Iowa
Find local Iowa City agents
Relion Insurance Solution
24 Westside Drive,
Iowa City, IA 52246Gaffey Insurance, Inc.
237 Scott Court,
Iowa City, IA 52245Farmers Insurance - Don Naughton
1110 N Dodge St,
Iowa City, IA 52245The Jordan Agency: Allstate Insurance
535 Highland Ave,
Iowa City, IA 52240John Raley American Family Insurance
24 N Van Buren St,
Iowa City, IA 52245Nanci Kohl - State Farm Insurance Agent
431 Hwy 1 W,
Iowa City, IA 52246Chad Burtch - State Farm Insurance Agent
1929 Keokuk St,
Iowa City, IA 52240Boyd Murray - State Farm Insurance Agent
1570 S 1st Ave,
Iowa City, IA 52240Gary McIntire - State Farm Insurance Agent
355 N 1st Ave,
Iowa City, IA 52245Carolina Espinoza - State Farm Insurance Agent
343 Scott Ct,
Iowa City, IA 52245
Iowa City DMV Information
Iowa City is home to one office that offers DMV services. Iowa city residents will have to make an appointment to visit the Iowa City Driver’s License Station, but the office does offer driver’s license and ID card renewal online for convenience. The Iowa City Driver’s License Station is located at:
Eastdale Mall
1700 South First Avenue
Iowa City, Iowa 52240
(319) 338-5294
Public Transportation in Iowa City
While most residents of Iowa City drive to get around, Iowa City offers transit options for residents who don’t want to drive from point A to point B. The transit department of Iowa City offers multiple bus routes, all of which can be found on their website.
If you don’t want to drive but would prefer not to ride the bus, Uber and Lyft are both available in Iowa City.
How to get the cheapest car insurance in Iowa City
The best way to get the best and cheapest car insurance in Iowa city is to compare quotes. Because every insurance company values factors like your age and your credit score a bit differently, your rates will be different than any other Iowa City driver. With Insurify, you can compare quotes and find your best rate in a matter of minutes.
At Insurify, we make it easy. Just enter a bit of information about yourself and in under five minutes we’ll show you the best rates personalized to you. We’ll provide quotes from the insurance giants such as Nationwide, GEICO, and State Farm insurance along with quotes from local insurance agencies so you can rest easy knowing you’ve found the best possible rate.
Green Driving in Iowa City IA
The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint.
Environment Iowa, based in Des Moines, advocates on behalf of the most pressing environmental issues in the state. Their priorities include progressive moves toward solar energy, clean water, and saving dwindling bee populations. The state of Iowa offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.
Insurify's Greenest Cities
Iowa City
2%% of Hybrids / ElectricsFAQs - Iowa City, IA Car Insurance
The best way to find cheap car insurance in Iowa City is to compare quotes with Insurify. With our tools, you can compare quotes side-by-side and all in one place, so it’s easy to find the cheapest car insurance. You can also save on your car insurance by bundling your home insurance or life insurance with your auto insurance policy.
The average cost of car insurance in Iowa City is $83 per month, but personal aspects of your driving history and profile will affect your individual rate. That’s why it’s always important to shop around and compare quotes, because the average cheapest auto insurance company in your area might not have the best rate for you. While Iowa auto insurance coverage is relatively inexpensive, individual factors such as your driving record and your age can cause your car insurance premiums to increase. The coverage option you choose could also drive up your rates. You’ll pay more for a full-coverage policy than you will for liability coverage only.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Iowa City 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 City, 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 City drivers measure up to their fellow motorists across Iowa 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 Fusion
Most Popular Car in Iowa City
#4
City with the Most Speeding Tickets Rank in Iowa
#7
City with the Most Moving Violations Rank in Iowa
#7
City with the Most DUIs Rank in Iowa
#8
City with the Most Suspended Licenses in Iowa
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 City drivers rank 2 in the number of car accidents per driver across all cities in Iowa.
- Rank within state: #2
- Percent of drivers in Iowa City with an accident: 15.48%
- Drivers in Iowa City, IA with an accident in their driving history pay on average 18.05% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Iowa, Iowa City drivers rank 4 in the number of speeding infractions per driver.
- Rank within state: #4
- Percent of drivers in Iowa City with a speeding ticket: 17.42%
- Drivers in Iowa City, IA with a speeding ticket in their driving history pay on average 20.3% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Iowa City drivers rank 7 in the number of DUI’s per driver across all cities in Iowa.
- Rank within state: #7
- Percent of drivers in Iowa City with a DUI: 2.9%
- Drivers in Iowa City, IA with a DUI in their driving history pay on average 0% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Iowa City is the Ford Fusion.
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.
Content Manager at Insurify
Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.
Sources
- Iowa Insurance Division. "State Minimum Car Insurance Requirements." Accessed May 28, 2022