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Car Insurance

Iowa: Cheapest Car Insurance

Whether you’re moving to Iowa or looking for a new carrier, you’ll want to compare quotes and read our list of cheapest cities to drive in order to save the most money on auto insurance.

Nicknamed "The Hawkeye State," Iowans have to stay extra sharp considering they have the world's most crooked street called Snake Alley. With conditions like this, what Iowan wouldn’t want the best car insurance? So, if you need a deciding factor in terms of where to make your next move, whether it be to a new state or a new provider, you’re going to want to do your research and compare auto insurance quotes.

The state average for car insurance in Iowa is about $828/year.

Even with this average you can end up spending more or less depending on where you live and which company you choose. Value Penguin recently surveyed 158 cities in Iowa in order to find the cheapest for car insurance. And after a long search through Iowa’s 13.2 million acres of corn, they compiled the list below.

Here are the top 10 cheapest cities in Iowa to insure your vehicle:

  1. Iowa City - $738

  2. Dubuque - $742

  3. Mason City - $743

  4. Ames - $745

  5. Dewitt - $753

  6. Marion - $769

  7. North Liberty - $769

  8. Clear Lake - $772

  9. Cedar Falls - $777

  10. Cedar Rapids - $779

Based on the above listing, you'll be able to estimate how much your insurance will be in these cities. The prices were gained through extensive research based on several driver profiles that varied in age, gender, and marital status, but drove the same vehicle. Something to be aware of when looking at these prices is that all of the drivers had great driving records as well as good credit history. So if you don’t quite fit that criteria, then it might be best to tack on a few extra dollars in order to give yourself a more accurate estimate.

While shopping around, remember that you must carry the state minimum coverage set by Iowa that includes liability to cover other drivers’ medical and property damage expenses if you’re found at-fault in an accident. The state minimum has been set at 20/40/15 which includes: $20,000 coverage for bodily injury per person, $40,000 total coverage for bodily injury per accident, and $50,000 coverage for property damage. You might want to consider buying more than the state minimum if you’re worried you won’t be able to pay for uncovered bills out of pocket.

Start shopping with a comparison site that makes it easy to customize your coverage and earn discounts. Insurify’s intelligent, virtual agent can help assess what liability exactly fits your needs and give you the power to compare all carriers within your region to get you the best rate possible.