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Cheap Auto Insurance Quotes in Iowa City, IA (January 2022)
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Last Updated: January 2022
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!
$165
$191
Liberty MutualThe General
See More: Cheap Car Insurance Iowa
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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 | |
|---|---|
 Liberty Mutual | $165/mo |
 The General | $191/mo |
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 | ||
|---|---|---|
 Safeco | $121/mo | |
Liberty Mutual | $165/mo | |
 Travelers | $86/mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Des Moines | $70/mo |
| Cedar Rapids | $64/mo |
| Davenport | $92/mo |
| Sioux City | $85/mo |
| Iowa City | $178/mo |
| Iowa | $98/mo |
$98
$70
$64
$92
$85
$178
IowaDes MoinesCedar RapidsDavenportSioux CityIowa City
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Iowa City, IA Driving Facts
Minimum Car Insurance Requirements in IA
Iowa drivers are held to different standards than most of the nation's motorists: there is no specific law mandating that they purchase Iowa car insurance. However, if an Iowa driver gets into an accident, or gets a license suspended or revoked, they must demonstrate proof of financial responsibility to the state's Department of Transportation.
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 | |
|---|---|
| Teens | $273 |
| 20s | $174 |
| 30s | $125 |
| 40s | $111 |
| 50s | $95 |
| 60s | $88 |
| 70s | $93 |
| 80+ | $96 |
| Driving History | |
|---|---|
| Clean Record | $141 |
| Speeding Ticket | $182 |
| At-Fault Accident | $190 |
| DUI | $279 |
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.
See More: High-risk Car Insurance Iowa
See More: DUI Car Insurance Iowa
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 Tie | |
|---|---|
| Excellent | $122 |
| Good | $130 |
| Average | $152 |
| Bad | $189 |
See More: Bad Credit Car Insurance Iowa
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.
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
Insurify Insights: How Iowa City Drivers Measure Up
Iowa City, IA
Suspended Licenses Rank
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Iowa City drivers measure up to their fellow Iowa motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
Accidents in Iowa City
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 paid on average 18.05% more than drivers with a clean record
Speeding in Iowa City
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 paid on average 20.3% more than drivers with a clean record
DUI/DWIs in Iowa City
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 paid on average --% more than drivers with a clean record
Most Popular Vehicle in Iowa City
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.
FAQs - Iowa City, IA Car Insurance
How do I find cheap car insurance in Iowa City, Iowa?
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.
How much does car insurance cost in Iowa City, Iowa?
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.
What drives up car insurance rates in Iowa City, Iowa?
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.
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.
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