The best car insurance in Iowa

Jessica Olivo

By

Jessica Olivo

Jessica Olivo

Freelance contributor

Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.

After working in publishing and book publicity for many years, she transitioned to freelance writing full time.

Published November 10, 2021

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our

editorial standards

and how we make money.

With an average cost of $1,152, Iowa has some of the lowest rates for auto insurance in the U.S., but that doesn’t mean you should settle for just any car insurance policy.

Ready to shop car insurance?

Start calculator

There are a lot of factors that go into choosing the coverage that meets your needs and your budget. Policygenius can help you easily compare options from top companies so you can choose the policy that’s right for you.

Key Takeaways

  • State Farm has the lowest average rate in Iowa, at $719 per year

  • GEICO has the best rates in Iowa for drivers with bad credit 

  • Iowa requires $20,000 in bodily injury liability coverage per person and $40,000 in per accident, as well as $15,000 in property damage liability coverage

Cheapest car insurance companies in Iowa

The amount you pay for your car insurance premiums is based on the amount of coverage you need, as well as factors like your age, driving record, and the kind of car you own. But not all companies charge the same amount for coverage, which is why it’s so important to shop around.

Company

Average cost

JD Power Rating

State Farm

$719

881

West Bend Mutual

$809

--

FAIA

$840

--

USAA

$975

890

GEICO

$1,007

871

Cheapest car insurance companies by age in Iowa

Teens and young adults who are just learning how to drive can expect to pay more for auto insurance than experienced drivers, since they’re more likely to get into an accident and need to file a claim. 

The good news is that while you will pay more for a young driver on your policy, if they maintain a good driving record, you can expect to pay a little less every year until they turn 25.

Age

Cheapest company

Average cost

16

State Farm

$2,266

18

State Farm

$1,783

21

State Farm

$1,213

25

State Farm

$839

30

State Farm

$736

35

State Farm

$719

45

State Farm

$702

55

State Farm

$657

Choosing the right car insurance company in Iowa

There are a number of factors to consider when choosing the right car insurance company. How much coverage you choose and the deductible amounts you pick will affect your premium. You also need to consider coverage options — do you want to find an insurance company that offers accident forgiveness? What about any other type of property insurance, like home, renters, boat or motorcycle coverage?

Whatever you’re looking for in your auto insurance policy, Policygenius can help you see your options and find the best coverage at the right price.

Car insurance rates for drivers with driving violations in Iowa

You should expect that any insurance company will look at your driving record over the last three to five years, checking for accidents and other violations. 

If you have a history of filing claims, companies may consider you a high-risk driver and will charge you more for coverage. Fortunately, most companies only focus on your recent history, so it’s possible to clean up your record and lower your rates after a violation.

Violation

State Farm

West Bend Mutual

FAIA

USAA

GEICO

At-fault Accident

$834

$1,458

$1,116

$1,462

$1,519

DUI

$785

$1,629

$1,699

$1,700

$1,784

Driving with a suspended license

$785

$1,883

$1,384

$1,624

$1,608

Driving with an open container

$785

$1,629

$1,699

$1,449

$1,784

Driving with expired registration

$785

$1,349

$1,057

$1,291

$1,279

Driving without Lights

$785

$1,068

$863

$1,166

$1,279

Failure to show documents

$785

$1,629

$1,384

$1,291

$1,279

Failure to stop at a red light

$785

$1,068

$1,057

$1,291

$1,279

Cheapest car insurance for drivers with bad credit in Iowa

Another factor used to determine your insurance cost is your credit score. Drivers with bad credit will see higher rates. But some companies value a high credit score more than others, which is why it’s all the more important for drivers with bad credit to shop around.

Company

Rates for drivers with bad credit

GEICO

$1,482

West Bend Mutual

$1,525

IMT Insurance

$1,672

FAIA

$1,729

USAA

$1,737

Car insurance costs in Iowa cities

The cost of auto insurance varies from city-to-city in Iowa. Factors like density, crime rates, street parking, and even the costs of repairs all affect the cost of car insurance. Below are the average rates in the ten biggest cities in Iowa:

  • Des Moines: $1,165 

  • Cedar Rapids: $1,123

  • Davenport: $1,152

  • Sioux City: $1,223

  • Iowa City: $1,015

  • Ankeny: $1,009

  • West Des Moines: $1,027

  • Waterloo: $1,167

  • Ames: $1,020

  • Council Bluffs: $1,404

Ready to shop car insurance?

Start calculator

Buying car insurance in Iowa

In Iowa, drivers will need to have at least $20,000 in bodily injury liability coverage per person and $40,000 in bodily injury liability coverage per accident. The state also requires at least $15,000 in property damage liability coverage, which covers the cost of any property you damage in an accident. 

Uninsured/underinsured motorist coverage is optional in the state of Iowa, but is useful if you’re in an accident caused by a driver who doesn’t have enough coverage to pay for the cost of the damage. 

You can also consider adding comprehensive coverage, which will cover the cost of damage that happens to your car when you’re not driving it, as well as collision insurance, which will cover the cost of repairs to your car after an accident, even if you were at fault.

How to get cheap car insurance in Iowa

There are lots of ways to reduce the cost of an auto insurance policy. By following a few basic tips, you can be sure you’re getting the best coverage for the lowest price.

  • Look for companies that offer discounts for full-time students, safe driving, or for bundling auto and home insurance policies.

  • Keep your driving history clean by avoiding accidents and violations that could cause you to pay more for coverage.

  • Monitor your credit score to ensure there aren’t any surprises when you apply for a new policy.

  • Choose a reliable car with safety features such as anti-theft and collision detection.

  • Comparison shop to make sure you’re getting the best price, then reshop yearly, especially if your current company is raising your rates

Frequently asked questions

Should I buy uninsured/underinsured motorist coverage even if my state doesn’t require it?

Uninsured/underinsured motorist coverage will cover the costs of an accident if the other driver is at fault, but can’t pay for the costs of the accidents with their own insurance. Since uninsured/underinsured motorist coverage doesn’t usually add a significant amount to your policy, it could potentially save you a lot of money in the long run.

What company offers the lowest rates for drivers with violations in Iowa?

Along with having the best average rates in Iowa, State Farm is also the best choice for drivers with violations on their records. Most companies only look back three-to-five years into your driving history, however. After that, you should shop around again to see if you can find better rates with a clean record.

We’re adding a teenage driver to our policy, should we shop around for a new rate?

Adding a young driver to your policy will likely result in an increase to your auto insurance costs. You should shop around to see which company offers the best rates for young drivers as well as look into discounts specific to teens and young drivers.

Why are the rates where I live in Des Moines more expensive than other parts of the state?

Since Des Moines is the most populated city in the state, it’s going to have higher instances of accidents, theft, and vandalism than more rural parts of Iowa. These risks make you a bigger liability to the insurance companies and they’re going to charge more to insure you if you live in a city.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.