The best car insurance in Iowa

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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.

&Rachael Brennan

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Updated|4 min read

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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. You want one that meets state requirements, but also one that fits your situation and your budget.

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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 where you live, 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

60

State Farm

$637

65

State Farm

$625

70

State Farm

$648

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? Bundling policies can be a convenience and a money saver.

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

Suspended license

$785

$1,883

$1,384

$1,624

$1,608

Open container

$785

$1,629

$1,699

$1,449

$1,784

Expired registration

$785

$1,349

$1,057

$1,291

$1,279

Driving without lights

$785

$1,068

$863

$1,166

$1,279

Not showing documents

$785

$1,629

$1,384

$1,291

$1,279

Running a red light

$785

$1,068

$1,057

$1,291

$1,279

Failure to yield

$785

$1,068

$1,057

$1,291

$1,279

Following too closely

$785

$1,068

$1,057

$1,291

$1,279

Hit and run

$785

$1,843

$1,384

$1,765

$1,479

Illegal turn

$785

$1,068

$1,057

$1,291

$1,279

Improper passing

$785

$1,068

$1,057

$1,291

$1,279

Not-at-fault accident

$736

$826

$863

$1,040

$1,147

Passing a school bus

$785

$1,458

$1,057

$1,449

$1,279

Racing

$785

$1,883

$1,699

$1,700

$1,534

Reckless driving

$785

$1,883

$1,699

$1,449

$1,534

Speeding

$785

$1,714

$1,057

$1,291

$1,916

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

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Buying car insurance in Iowa

In Iowa, drivers will need to have at least:

  • $20,000 in bodily injury liability coverage per person

  • $40,000 in bodily injury liability coverage per accident

  • $15,000 in property damage liability coverage

Uninsured/underinsured motorist coverage is optional in Iowa, but it's 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

Is car insurance mandatory in Iowa?

Yes, drivers in Iowa are required by law to have a minimum of 20/40/15 in liability coverage.

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.

How much is car insurance per month in Iowa?

Drivers in Iowa pay an average of $1,152 per year, which breaks down to $96 per month.

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.

Authors

Freelance contributor

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.

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

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Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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