The cheapest full coverage car insurance in Iowa is $103 , saving you $33 compared to the average cost of insurance in the state, which is around $136 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.
- Travelers has the cheapest car insurance rates in Iowa for full coverage at $103 a month among the companies analyzed by the team of CarInsurance.com.
- In Iowa, drivers with clean driving records pay 31% less than drivers with a DUI.
- The city of Coralville has the lowest auto insurance rates in Iowa, with an average premium of $1,311 per year.
- You can save up to 24% per year on your car insurance policy in Iowa by comparing price quotes from multiple insurers.
Car insurance companies with cheap car insurance in Iowa
Travelers has the cheapest full coverage car insurance in Iowa, at an average premium of $103 per month or around $1,238 per year, based on CarInsurance.com data.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Iowa.
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.
You might also be interested in
- Non-owner car insurance in Iowa: Find affordable rates
- Liability insurance for Iowa drivers
- Minimum car insurance requirements in Iowa
- Iowa car insurance calculator: Get estimates by ZIP code and model
- How much is car insurance for a 25-year-old in Iowa?
- Cheap car insurance for seniors in Iowa
- Car insurance discounts in Iowa; 13% potential savings
- How much does car insurance cost in Iowa?
Who pays a lower insurance premium in Iowa?
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
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
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:
- 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 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
Iowa requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| 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
Below, you’ll see average annual rates for major insurance providers in Iowa, ranked from cheapest to most expensive for state minimum coverage.
| 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 Iowa insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, 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
Cheapest car insurance in Iowa by driving history
In Iowa, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
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 have a speeding ticket on your Iowa driving record and you are looking for cheap car insurance, State Farm offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $958 per year.
| 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
CarInsurance.com analyzed insurance rates for Iowa drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $958 . Travelers is the second-cheapest insurer at an average of $1,591 per year.
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 rates in Iowa after an at-fault accident
If you’re a driver with an at-fault accident on your record, State Farm is the cheapest option, offering car insurance at an average cost of $1,021 annually.
Nationwide is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $1,411 .
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.
| 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.
Cheapest car insurance rates by state
Please enter the correct format
Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Which cities in Iowa have the lowest auto insurance rates?
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
In Iowa, Coralville stands out as the city with the lowest auto insurance rates, at an average of $1,311 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
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 auto 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
Iowa drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Iowa.
| 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 |
The bottom line on cheap auto 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.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
Ask the Insurance Expert
John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
Ask the Insurance Expert
Leslie Kasperowicz
Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
Ask the Insurance Expert
Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Iowa