- Among the companies analyzed by CarInsurance.com, Travelers stands out as the cheapest option for full coverage car insurance in Iowa, with an insurance premium of $103 per month.
- Drivers in Iowa with a clean record pay 31% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Iowa is Coralville, with an annual premium of $1,311.
- Iowa drivers can save up to 24% annually on their auto insurance policy by comparing price quotes from multiple carriers.
The cheapest car insurance in Iowa costs $103 per month for a full coverage policy from Travelers. That’s a $33 savings from the average cost of insurance in the state, which is $136 a month.
“Drivers looking to get the cheapest insurance premiums in Iowa should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren McKenzie, senior insurance agent, A Plus Insurance.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Iowa including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
Which company offers the cheapest car insurance in Iowa?
Travelers offers the cheapest car insurance rates in Iowa for a full coverage policy with an average premium of $103 per month or around $1,238 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Iowa by different insurance carriers for a full coverage policy.
Cheapest car insurance rates in Iowa per month
| Company | Full coverage monthly rates |
|---|---|
| Travelers | $103 |
| State Farm | $109 |
| West Bend Mutual | $109 |
| Auto-Owners | $122 |
| Progressive | $132 |
| IMT Insurance | $136 |
| GEICO | $143 |
| Iowa Farm Bureau | $150 |
| Allstate | $177 |
| Grinnell Mutual | $216 |
| USAA* | $97 |
Note: USAA is only available to military community members and their families.
Iowa drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- Married drivers pay 7% less than single drivers.
- Iowa drivers with clean records pay 31% less than drivers who have a DUI on their record.
- Iowa drivers in their 20s pay 57% lower rates for insurance than a 16-year-old in Iowa.
- Adding a teen to your policy will cost you 75% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 27% less on their insurance premiums.
- Drivers insured for three or more years can save up to 19% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 5% for this state more on their premiums.
Cheapest companies for different coverage levels in Iowa
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Progressive is the cheapest for a state minimum policy.
- Auto-Owners has the cheapest rates for a liability-only policy (50/100/50).
- Travelers offers the cheapest car insurance for a full coverage policy (100/300/100) in Iowa.
The numbers above (100/300/100) represent coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Iowa
In Iowa, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $20,000/$40,000 |
| Minimum property damage liability | $15,000 |
Read more about the minimum liability car insurance requirements by state
The following table lists Iowa’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| Company | State minimum annual rates |
|---|---|
| Progressive | $174 |
| Auto-Owners | $189 |
| West Bend Mutual | $199 |
| State Farm | $199 |
| IMT Insurance | $232 |
| GEICO | $254 |
| Iowa Farm Bureau | $262 |
| Travelers | $310 |
| Grinnell Mutual | $362 |
| Allstate | $508 |
| USAA* | $166 |
Note: USAA is only available to military community members and their families.
Cheapest liability-only coverage in Iowa
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in Iowa, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Auto-Owners | $219 |
| West Bend Mutual | $230 |
| IMT Insurance | $244 |
| Progressive | $249 |
| State Farm | $258 |
| Iowa Farm Bureau | $304 |
| GEICO | $325 |
| Travelers | $369 |
| Grinnell Mutual | $468 |
| Allstate | $591 |
| USAA* | $264 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage in Iowa
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in Iowa, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full coverage annual rates |
|---|---|
| Travelers | $1,238 |
| State Farm | $1,306 |
| West Bend Mutual | $1,311 |
| Auto-Owners | $1,461 |
| Progressive | $1,589 |
| IMT Insurance | $1,634 |
| GEICO | $1,716 |
| Iowa Farm Bureau | $1,796 |
| Allstate | $2,126 |
| Grinnell Mutual | $2,591 |
| USAA* | $1,165 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
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Cheapest auto insurance in Iowa by driving history
Your driving history impacts insurance premiums in Iowa, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Iowa, drivers with a history of traffic violation pay an average of $441 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance rates after a speeding ticket in Iowa
If you’ve got a speeding ticket on your Iowa driving record and need affordable car insurance, State Farm might be the answer. With an average annual rate of $958, State Farm offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Iowa.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $896 | $958 | 7% | $62 |
| Auto-Owners | $1,206 | $1,352 | 12% | $146 |
| Nationwide | $833 | $1,363 | 64% | $530 |
| Travelers | $1,041 | $1,524 | 46% | $483 |
| American Family | $1,350 | $1,692 | 25% | $342 |
| Allstate | $1,575 | $1,735 | 10% | $161 |
| GEICO | $1,107 | $1,816 | 64% | $709 |
| Farmers | $1,439 | $1,893 | 32% | $454 |
| Progressive | $1,934 | $2,405 | 24% | $471 |
| USAA* | $1,026 | $1,190 | 16% | $164 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance premiums in Iowa after a DUI conviction
Iowa drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $958 a year, followed by Travelers with an annual premium of $1,591 annually, based on recent data.
If you have a clean record, you are likely to pay 31% less for car insurance than someone with a DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $896 | $958 | 7% | $62 |
| Travelers | $1,041 | $1,591 | 53% | $550 |
| American Family | $1,350 | $1,692 | 25% | $342 |
| Nationwide | $833 | $1,824 | 119% | $991 |
| GEICO | $1,107 | $1,911 | 73% | $804 |
| Farmers | $1,439 | $1,950 | 36% | $511 |
| Progressive | $1,934 | $2,086 | 8% | $152 |
| Allstate | $1,575 | $2,088 | 33% | $513 |
| Auto-Owners | $1,206 | $2,139 | 77% | $933 |
| USAA* | $1,026 | $1,683 | 64% | $656 |
Note: USAA is only available to military community members and their families.
Cheap car insurance companies in Iowa after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is State Farm, at $1,021 a year.
On the other hand, Nationwide offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $1,411.
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $896 | $1,021 | 14% | $125 |
| Nationwide | $833 | $1,411 | 69% | $577 |
| Travelers | $1,041 | $1,477 | 42% | $436 |
| Auto-Owners | $1,206 | $1,558 | 29% | $351 |
| GEICO | $1,107 | $1,898 | 71% | $791 |
| Farmers | $1,439 | $2,035 | 41% | $596 |
| Allstate | $1,575 | $2,184 | 39% | $610 |
| Progressive | $1,934 | $2,910 | 50% | $975 |
| USAA* | $1,026 | $1,495 | 46% | $469 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in Iowa
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In Iowa, Coralville stands out as the city with the lowest auto insurance rates, at an average of $1,311 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in Iowa with the most affordable car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Coralville | $1,311 |
| Iowa City | $1,351 |
| Ankeny | $1,371 |
| Johnston | $1,378 |
| Ames | $1,387 |
| West Des Moines | $1,391 |
| Urbandale | $1,395 |
| Grimes | $1,396 |
| Clive | $1,396 |
| Windsor Heights | $1,418 |
Learn about the 10 most important factors that affect car insurance rates
How much can you save on car insurance in Iowa?
By comparing car insurance quotes, you can save an average of 24% per year for a full coverage policy in Iowa.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in Iowa: Save on premiums
In Iowa, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Iowa below.
| Discount type | % difference | $ difference |
|---|---|---|
| Anti-theft device | 2% | $32 |
| Daily commute | 9% | $161 |
| Days advanced purchase | 7% | $114 |
| Days per week driven | 5% | $65 |
| Education | 6% | $92 |
| Electronic funds transfer | 4% | $77 |
| Homeowner | 7% | $116 |
| Lower annual mileage | 6% | $84 |
| Loyalty – years renewal with company | 6% | $66 |
| Marital status | 7% | $107 |
| Multi policy | 10% | $151 |
| Paperless/electornic documents | 3% | $53 |
| Payment type | 10% | $169 |
| Primary use | 10% | $169 |
| Profession | 16% | $293 |
| Safety devices | 2% | $40 |
| Telematics | 13% | $162 |
| Years insured | 18% | $449 |
| Years licensed | 25% | $737 |
Final thoughts on cheap car insurance in Iowa
Our research shows that Travelers has the cheapest full coverage car insurance rates in Iowa for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Iowa, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources &Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Iowa for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 20/40/15.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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