- GEICO has the cheapest car insurance rates in Iowa for full coverage at $160 a month among the companies analyzed by the team of CarInsurance.com.
- In Iowa, drivers with clean driving records pay 81% less than drivers with a DUI.
- The city of Iowa City has the lowest auto insurance rates in Iowa, with an average premium of $2,044 per year.
- You can save up to 22% per year on your car insurance policy in Iowa by comparing price quotes from multiple insurers.
The cheapest full coverage car insurance in Iowa is $160 , saving you $45 compared to the average cost of insurance in the state, which is around $205 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Iowa, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“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.
Car insurance companies with cheap car insurance in Iowa
GEICO has the cheapest full coverage car insurance in Iowa, at an average premium of $160 per month or around $1,923 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Iowa. We’ve gathered rates from different insurance companies to help you find the most affordable option.
Cheapest car insurance rates in Iowa per month
| Company | Full coverage monthly rates |
|---|---|
| GEICO | $160 |
| Progressive | $161 |
| Auto-Owners | $187 |
| IMT Insurance | $194 |
| West Bend Insurance Company | $194 |
| Farmers | $224 |
| Allstate | $254 |
| Iowa Farm Bureau | $266 |
Who pays the lowest auto insurance premiums in Iowa?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 7% less than single drivers.
- Iowa drivers with clean records pay 81% less than drivers who have a DUI on their record.
- Iowa drivers in their 20s pay 63% lower rates for insurance than a 16-year-old in Iowa.
- Adding a teen to your policy will cost you 62% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 16% less on their insurance premiums.
- Drivers insured for three or more years can save up to 26% 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 8% for this state more on their premiums.
Cheapest Iowa companies for different coverage levels
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
Not all insurers offer the same coverage limits at the same price point. For instance:
- GEICO is the cheapest for a state minimum policy.
- GEICO has the cheapest rates for a liability-only policy (50/100/50).
- GEICO offers the cheapest car insurance for a full coverage policy (100/300/100) in Iowa.
The numbers above (100/300/100) represent up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you 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 |
|---|---|
| GEICO | $328 |
| West Bend Insurance Company | $362 |
| Progressive | $370 |
| Iowa Farm Bureau | $413 |
| Auto-Owners | $430 |
| IMT Insurance | $470 |
| Allstate | $674 |
| Farmers | $801 |
Cheapest insurance providers for liability-only coverage in Iowa
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in Iowa, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $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 |
|---|---|
| GEICO | $372 |
| West Bend Insurance Company | $390 |
| Progressive | $421 |
| Iowa Farm Bureau | $431 |
| IMT Insurance | $434 |
| Auto-Owners | $435 |
| Allstate | $721 |
| Farmers | $972 |
Cheapest full coverage car insurance in Iowa
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The following table lists the average annual rates of major insurance companies in Iowa from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| Company | Full coverage annual rates |
|---|---|
| GEICO | $1,923 |
| Progressive | $1,930 |
| Auto-Owners | $2,245 |
| West Bend Insurance Company | $2,326 |
| IMT Insurance | $2,334 |
| Farmers | $2,693 |
| Allstate | $3,047 |
| Iowa Farm Bureau | $3,195 |
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 $1,378 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 in Iowa after a speeding ticket
If you have a speeding ticket on your Iowa driving record and you are looking for cheap car insurance, Progressive offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $2,778 per year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Progressive | $1,930 | $2,778 | 44% | $848 |
| GEICO | $1,923 | $3,127 | 63% | $1,204 |
| IMT Insurance | $2,334 | $3,164 | 36% | $830 |
| Allstate | $3,047 | $3,349 | 10% | $302 |
| Farmers | $2,693 | $3,487 | 29% | $794 |
| Auto-Owners | $2,245 | $3,678 | 64% | $1,433 |
| West Bend Insurance Company | $2,326 | $3,873 | 67% | $1,547 |
| Iowa Farm Bureau | $3,195 | $4,945 | 55% | $1,750 |
Cheap car insurance rates after a DUI conviction in Iowa
CarInsurance.com analyzed insurance rates for Iowa drivers with DUI convictions and we found that Progressive provides the cheapest car insurance rates at an average annual premium of $2,583 . Farmers is the second-cheapest insurer at an average of $3,631 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 81% less than drivers with a DUI on their record.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| Progressive | $1,930 | $2,583 | 34% | $653 |
| Farmers | $2,693 | $3,631 | 35% | $938 |
| GEICO | $1,923 | $3,632 | 89% | $1,709 |
| Allstate | $3,047 | $4,007 | 32% | $960 |
| IMT Insurance | $2,334 | $4,139 | 77% | $1,805 |
| West Bend Insurance Company | $2,326 | $4,163 | 79% | $1,837 |
| Auto-Owners | $2,245 | $6,065 | 170% | $3,820 |
| Iowa Farm Bureau | $3,195 | $7,348 | 130% | $4,153 |
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 Auto-Owners, at $3,088 a year.
On the other hand, Progressive offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $3,149 .
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 |
|---|---|---|---|---|
| Auto-Owners | $2,245 | $3,088 | 38% | $843 |
| Progressive | $1,930 | $3,149 | 63% | $1,219 |
| IMT Insurance | $2,334 | $3,732 | 60% | $1,398 |
| GEICO | $1,923 | $3,756 | 95% | $1,833 |
| Farmers | $2,693 | $3,784 | 41% | $1,091 |
| West Bend Insurance Company | $2,326 | $3,924 | 69% | $1,598 |
| Allstate | $3,047 | $4,477 | 47% | $1,430 |
| Iowa Farm Bureau | $3,195 | $5,353 | 68% | $2,158 |
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, Iowa City stands out as the city with the lowest auto insurance rates, at an average of $2,044 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 |
|---|---|
| Iowa City | $2,044 |
| Ames | $2,067 |
| Ankeny | $2,126 |
| West Des Moines | $2,201 |
| Davenport | $2,296 |
| Cedar Rapids | $2,314 |
| Des Moines | $2,383 |
| Waterloo | $2,418 |
| Sioux City | $2,504 |
| Council Bluffs | $2,751 |
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 22% 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
Car insurance discounts in Iowa can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Iowa.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| Discount type | % difference | $ difference |
|---|---|---|
| Air Bags | 4% | $93 |
| Anti-Theft Device | 2% | $58 |
| Comp and Coll Deductibles | 21% | $523 |
| Daily Commute | 8% | $205 |
| Days Advanced Purchase | 8% | $204 |
| Days Per Week Driven | 6% | $136 |
| Education | 7% | $176 |
| Electronic Funds Transfer | 3% | $84 |
| Homeowner | 8% | $192 |
| Lower Annual Mileage | 6% | $141 |
| Loyalty – Years Renewal With Company | 18% | $450 |
| Marital Status | 7% | $176 |
| Multi Policy | 8% | $207 |
| Paperless/Electornic Documents | 3% | $82 |
| Payment Type | 9% | $226 |
| Primary Use | 10% | $235 |
| Profession | 14% | $346 |
| Safety Devices | 3% | $62 |
| Student Away At School | 18% | $438 |
| Telematics | 12% | $288 |
| Years Insured | 27% | $662 |
| Years Licensed | 24% | $594 |
The bottom line on cheap auto insurance in Iowa
Based on our findings, GEICO provides the cheapest rates for a full coverage policy in Iowa if you have a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Iowa, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates 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.
*USAA is only available to military community members and their families.
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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