Cheapest Car Insurance Quotes in Iowa
Drivers in Iowa can pay as little as $23 per month for liability coverage through State Farm. You can get an instant quote and purchase coverage online through Insurify.
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Written byKat Tretina
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Kat TretinaInsurance and Personal Finance Writer
9+ years in personal finance writing
Certified Financial Counselor
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications such as Yahoo! Finance, FinanceBuzz, Forbes Advisor, and more. Her work focuses on helping people understand their financial options, including their insurance choices. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
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Edited byEvelyn Pimplaskar
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Evelyn PimplaskarEditor-in-Chief, Director of Content
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
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 reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
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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Table of contents
- Cheap car insurance quotes in IA
- IA cheap liability-only car insurance
- IA cheap full-coverage car insurance
- Best cheap IA car insurance
- Car insurance rates in IA over time
- Iowa car insurance requirements
- Iowa car insurance rates by city
- Quotes for drivers with a clean record
- Cheap car insurance with an incident in IA
- Affordable IA insurance with an at-fault accident
- Cheap car insurance for IA drivers with an OWI
- Cheapest SR-22 insurance in Iowa
- Affordable car insurance in IA for teen drivers
- Car insurance quotes for senior drivers in IA
- Cheap car insurance with bad credit in IA
- Iowa car insurance FAQs
Table of contents
- Cheap car insurance quotes in IA
- IA cheap liability-only car insurance
- IA cheap full-coverage car insurance
- Best cheap IA car insurance
- Car insurance rates in IA over time
- Iowa car insurance requirements
- Iowa car insurance rates by city
- Quotes for drivers with a clean record
- Cheap car insurance with an incident in IA
- Affordable IA insurance with an at-fault accident
- Cheap car insurance for IA drivers with an OWI
- Cheapest SR-22 insurance in Iowa
- Affordable car insurance in IA for teen drivers
- Car insurance quotes for senior drivers in IA
- Cheap car insurance with bad credit in IA
- Iowa car insurance FAQs
Cheapest car insurance quotes in Iowa
Iowa drivers pay an average of $52 per month for liability insurance and $91 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 $99 for liability insurance and $173 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 | $23 |
| State-minimum coverage | State Farm | $23 |
| Full coverage | State Farm | $45 |
| Drivers with a clean record | State Farm | $23 |
| After a speeding ticket | State Farm | $31 |
| After an at-fault accident | State Farm | $33 |
| After an OWI | State Farm | $36 |
| Teen/new drivers | State Farm | $48 |
| Seniors | State Farm | $18 |
| Bad credit | State Farm | $32 |
Disclaimer: Table data is based on real-time Iowa quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Cheapest liability-only car insurance in Iowa: State Farm
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:
The below rates in Iowa are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $23 |
| Auto-Owners | $37 |
| USAA | $40 |
| GEICO | $43 |
| American Family | $46 |
| Allstate | $49 |
| Safeco | $49 |
| National General | $51 |
| Progressive | $53 |
| Bristol West | $55 |
| Farmers | $56 |
| Root | $61 |
| The General | $61 |
| Direct Auto | $62 |
| Dairyland | $64 |
| Liberty Mutual | $69 |
| Nationwide | $75 |
| Travelers | $75 |
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.
Agent Tip: Is liability-only coverage enough for Iowa drivers?
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Brett Clendenen
Sales Manager at Insurify, 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.
Cheapest full-coverage car insurance in Iowa: State Farm
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 $91 per month for full-coverage policies. The table below highlights the companies with the cheapest full-coverage car insurance in Iowa:
The below rates in Iowa are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $45 |
| Auto-Owners | $73 |
| USAA | $78 |
| GEICO | $85 |
| American Family | $91 |
| Allstate | $96 |
| Safeco | $96 |
| National General | $98 |
| Root | $99 |
| Direct Auto | $103 |
| Liberty Mutual | $108 |
| Farmers | $110 |
| Nationwide | $147 |
| Travelers | $147 |
| Bristol West | $150 |
| The General | $159 |
| Dairyland | $177 |
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.
Cheapest recent car insurance quotes in Iowa
Drivers using Insurify have found quotes as cheap as $23/mo for liability only and $45/mo for full coverage in Iowa.
*Quotes generated for Insurify users from Iowa within the last 10 days. Last updated on March 24, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 24, 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 March 24, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 24, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Best cheap car insurance companies in Iowa
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.
State Farm: Best for full-coverage policies in Iowa
| 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. | $37/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. | $73/mo |
4.3
Best choice in IowaBased on 320 verified driver reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best in Iowa for
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best in Iowa for
Cheap rates
Senior drivers
Ample discounts
Showing recent national reviews - See all 148 Auto-Owners reviews
Darryl
Verified Review
Insurance Shopping
Reviewed in Missouri on March 22, 2026
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
Norberto
Verified Review
Excellent
Reviewed in Florida on March 21, 2026
Definitely not the cheapest insurance you can buy.
Wayne
Verified Review
Cost too much for someone who never had a claim
Reviewed in Florida on March 2, 2026
Never had a claim.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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
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.
Pros
Highly rated for customer service
Sells rideshare insurance
Multi-policy car insurance discounts available
Cons
Doesn’t offer gap insurance
No accident forgiveness available
Much higher rates for drivers with poor credit
Auto-Owners: Best for rural drivers in Iowa
| 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. | $37/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. | $73/mo |
4.3
Best choice in IowaBased on 320 verified driver reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best in Iowa for
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best in Iowa for
Cheap rates
Senior drivers
Ample discounts
Showing recent national reviews - See all 148 Auto-Owners reviews
Darryl
Verified Review
Insurance Shopping
Reviewed in Missouri on March 22, 2026
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
Norberto
Verified Review
Excellent
Reviewed in Florida on March 21, 2026
Definitely not the cheapest insurance you can buy.
Wayne
Verified Review
Cost too much for someone who never had a claim
Reviewed in Florida on March 2, 2026
Never had a claim.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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
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.
Pros
Offers farm coverage
Sells gap coverage
Competitive rates for Iowa teen drivers
Cons
No online quotes
Fewer discounts than competitors
Only 2 out of 5 stars on Trustpilot
USAA: Best for service members and veterans in Iowa
| 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. | $78/mo |
4.9
Best choice in IowaBased on 3,262 verified driver reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best in Iowa for
Members of the military community
Outstanding customer service
Competitive rates
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.
AI-generated from the text of verified reviews collected by Insurify
Best in Iowa for
Members of the military community
Outstanding customer service
Competitive rates
Showing recent national reviews - See all 1,505 USAA reviews
Richard
Verified Review
USAA Outstanding!
Reviewed in California on March 23, 2026
Outstanding. I have only had to use it once for an accident, but USAA was so helpful. I have been with them for 30+ years and lived in Rhode Island, England, as well as California.
Barbara
Verified Review
Poor service and experience
Reviewed in Tennessee on March 23, 2026
They are very hard to get a hold of on the phone. I asked for a copy of my insurance and cards last month, and I have yet to receive them.
Kevin
Verified Review
Pricey
Reviewed in Louisiana on March 23, 2026
USAA is a wonderful company. The only thing is that they are expensive. I'm going to have to find something cheaper. Insurance keeps going up.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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
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.
Pros
Some of the lowest rates in Iowa
Perks program for shopping discounts
Sells car replacement assistance
Cons
Available only to Iowans with military affiliation
Fewer discounts than competitors
Low Trustpilot reviews
How car insurance costs in Iowa have changed
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.
Average car insurance costs in Iowa over time
The table below shows how car insurance rates have changed in Iowa over the past five years:
Average Iowa Car Insurance Rates Over the Past Five Years
Rates in this chart are five-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Compare Car Insurance Quotes in Iowa
Liability policies start from $23/mo.
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4.7 out of 5 based on 12,864 reviews
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Iowa car insurance requirements
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:
Bodily injury liability: $20,000 per person and $40,000 per accident
Property damage liability: $15,000 per accident
Car insurance rates across Iowa cities
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 | $81 |
| Davenport | $84 |
| Des Moines | $86 |
| Sioux City | $81 |
Disclaimer: Table data is based on real-time Iowa quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Car insurance quotes in Iowa for drivers with a clean record: State Farm
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 $45 per month for car insurance.
The table below shows the cheapest car insurance rates for drivers with clean records in Iowa:
The below rates in Iowa are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $22 |
| Auto-Owners | $36 |
| USAA | $39 |
| GEICO | $43 |
| American Family | $45 |
| National General | $47 |
| Allstate | $49 |
| Safeco | $52 |
| Bristol West | $54 |
| Farmers | $54 |
| Progressive | $55 |
| The General | $58 |
| Direct Auto | $59 |
| Dairyland | $60 |
| Root | $61 |
| Nationwide | $71 |
| Travelers | $72 |
| Liberty Mutual | $72 |
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.
Cheapest car insurance in Iowa for drivers with a speeding ticket: State Farm
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 $72 per month for liability insurance. This table highlights the cheapest insurers for Iowa drivers with speeding tickets:
The below rates in Iowa are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $31 |
| Auto-Owners | $51 |
| USAA | $54 |
| GEICO | $59 |
| American Family | $63 |
| Allstate | $67 |
| National General | $67 |
| Safeco | $68 |
| Bristol West | $73 |
| Progressive | $74 |
| Farmers | $76 |
| Direct Auto | $82 |
| Dairyland | $84 |
| Root | $86 |
| The General | $86 |
| Liberty Mutual | $93 |
| Nationwide | $103 |
| Travelers | $103 |
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.
Affordable car insurance in Iowa with an at-fault accident: State Farm
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 $80 per month.
The table below shows the lowest liability insurance rates for drivers with at-fault accidents on their records in Iowa:
The below rates in Iowa are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $33 |
| Auto-Owners | $53 |
| USAA | $58 |
| GEICO | $61 |
| American Family | $67 |
| Allstate | $71 |
| National General | $73 |
| Safeco | $74 |
| Bristol West | $78 |
| Progressive | $81 |
| Farmers | $81 |
| Root | $88 |
| Direct Auto | $91 |
| The General | $91 |
| Dairyland | $92 |
| Liberty Mutual | $99 |
| Nationwide | $109 |
| Travelers | $109 |
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.
Cheap car insurance quotes for Iowa drivers with an OWI: State Farm
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 $83 per month for liability insurance. The table below shows the lowest liability insurance rates for drivers with OWIs in Iowa.
The below rates in Iowa are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $36 |
| Auto-Owners | $57 |
| USAA | $62 |
| GEICO | $66 |
| American Family | $71 |
| Allstate | $76 |
| National General | $79 |
| Safeco | $80 |
| Progressive | $85 |
| Bristol West | $85 |
| Farmers | $86 |
| Root | $94 |
| The General | $94 |
| Direct Auto | $96 |
| Dairyland | $99 |
| Liberty Mutual | $107 |
| Nationwide | $116 |
| Travelers | $116 |
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.
Cheapest car insurance for drivers with an SR-22 in Iowa: State Farm
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:
The below rates in Iowa are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $32 |
| Auto-Owners | $51 |
| USAA | $55 |
| GEICO | $59 |
| American Family | $63 |
| Allstate | $68 |
| Safeco | $68 |
| National General | $70 |
| Progressive | $73 |
| Bristol West | $76 |
| Farmers | $77 |
| Root | $84 |
| The General | $84 |
| Direct Auto | $86 |
| Dairyland | $88 |
| Liberty Mutual | $95 |
| Nationwide | $103 |
| Travelers | $103 |
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.
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Cheapest car insurance for teen drivers in Iowa: State Farm
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 $110 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:
The below rates in Iowa are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $48 |
| USAA | $80 |
| Auto-Owners | $80 |
| GEICO | $84 |
| American Family | $94 |
| Allstate | $105 |
| Safeco | $106 |
| Bristol West | $107 |
| National General | $111 |
| Progressive | $113 |
| Root | $115 |
| The General | $116 |
| Dairyland | $120 |
| Farmers | $120 |
| Direct Auto | $129 |
| Liberty Mutual | $132 |
| Nationwide | $158 |
| Travelers | $168 |
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.
Cheap car insurance quotes in Iowa for senior drivers: State Farm
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 $43 per month for liability insurance in Iowa. The table below shows the insurance companies with the lowest average premiums for senior drivers in Iowa:
The below rates in Iowa are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $18 |
| Auto-Owners | $29 |
| USAA | $32 |
| GEICO | $33 |
| American Family | $36 |
| Allstate | $39 |
| National General | $39 |
| Safeco | $42 |
| Farmers | $43 |
| Progressive | $44 |
| Bristol West | $45 |
| Direct Auto | $49 |
| Root | $50 |
| The General | $50 |
| Dairyland | $53 |
| Nationwide | $56 |
| Liberty Mutual | $56 |
| Travelers | $59 |
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.
Iowa car insurance quotes with bad credit: State Farm
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 $61 per month.
Below are the companies with the cheapest insurance rates for drivers with poor credit in Iowa:
The below rates in Iowa are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $32 |
| USAA | $47 |
| GEICO | $51 |
| American Family | $53 |
| Auto-Owners | $54 |
| Allstate | $59 |
| Safeco | $59 |
| National General | $61 |
| Progressive | $62 |
| Bristol West | $66 |
| Farmers | $67 |
| Root | $73 |
| The General | $73 |
| Direct Auto | $74 |
| Dairyland | $76 |
| Liberty Mutual | $80 |
| Nationwide | $90 |
| Travelers | $90 |
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.
Find Affordable Car Insurance in Iowa
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Iowa car insurance FAQs
The following answers to common questions can help you find the right Iowa auto insurance policy:
What car insurance is required in Iowa?
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.
How much is car insurance in Iowa?
On average, Iowa drivers pay $52 per month for liability-only insurance and $91 per month for a full-coverage policy, according to Insurify data.
What’s the cheapest car insurance company in Iowa?
In Iowa, the cheapest car insurance company is State Farm, with an average monthly rate of $23 for liability-only coverage.
What is the average premium for full-coverage car insurance in Iowa?
For full-coverage policies, Iowa drivers pay an average of $91 per month.
What’s the financial responsibility system in Iowa?
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]
Are optional car insurance coverages available in Iowa?
Yes. Insurance companies offer optional coverages in Iowa, including additional liability insurance, collision coverage, comprehensive coverage, rental car coverage, gap insurance, and more.
Methodology
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:
- 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
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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Sources
- Iowa Insurance Division. "Auto Insurance."
- Iowa Department of Veterans Affairs. "Veterans in Iowa."
- Iowa Legislative Services Agency. "Fiscal Note."
- Iowa Department of Transportation. "Operating While Intoxicated (OWI)."
- Iowa Department of Transportation. "Proof of Insurance After a Suspension (SR-22)."
- United States Census Bureau. "QuickFacts United States; Iowa."
- Iowa Department of Transportation. "Suspension Due to an Accident."
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Kat TretinaInsurance and Personal Finance Writer
9+ years in personal finance writing
Certified Financial Counselor
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications such as Yahoo! Finance, FinanceBuzz, Forbes Advisor, and more. Her work focuses on helping people understand their financial options, including their insurance choices. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
Evelyn PimplaskarEditor-in-Chief, Director of Content
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
Featured in
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
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.
Konstantin HalachevVP of Engineering & Data Science
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.