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Cheap Auto Insurance Quotes in Iowa City, IA (June 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

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 CityQuotes
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 CompaniesScoreQuotes
Safeco86$121 /mo
Liberty Mutual82$165 /mo
Travelers80$86 /mo

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 AgeAvg. 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 HistoryAvg. 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 TierAvg. Monthly Cost
Excellent$122
Good$130
Average$152
Bad$189

Find local Iowa City agents

  • Relion Insurance Solution

    24 Westside Drive,
    Iowa City, IA 52246
  • Gaffey Insurance, Inc.

    237 Scott Court,
    Iowa City, IA 52245
  • Farmers Insurance - Don Naughton

    1110 N Dodge St,
    Iowa City, IA 52245
  • The Jordan Agency: Allstate Insurance

    535 Highland Ave,
    Iowa City, IA 52240
  • John Raley American Family Insurance

    24 N Van Buren St,
    Iowa City, IA 52245
  • Nanci Kohl - State Farm Insurance Agent

    431 Hwy 1 W,
    Iowa City, IA 52246
  • Chad Burtch - State Farm Insurance Agent

    1929 Keokuk St,
    Iowa City, IA 52240
  • Boyd Murray - State Farm Insurance Agent

    1570 S 1st Ave,
    Iowa City, IA 52240
  • Gary McIntire - State Farm Insurance Agent

    355 N 1st Ave,
    Iowa City, IA 52245
  • Carolina Espinoza - State Farm Insurance Agent

    343 Scott Ct,
    Iowa City, IA 52245
View more

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 / Electrics

FAQs - 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

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.

Tanveen Vohra
Tanveen Vohra

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.

Learn More

Sources

  1. Iowa Insurance Division. "State Minimum Car Insurance Requirements." Accessed May 28, 2022