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Why Compare Car Insurance Rates in Iowa:

  • On average, people who compare rates save about $970 a year on car insurance
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In Iowa, owning a car is less expensive than in any other state in the US. Iowa's overall vehicle ownership expenses are 13% lower than the national average, and the state has the lowest auto insurance rates in the country. If you just got your driver's license or recently moved to Iowa, you might be curious about the state's auto insurance laws and how to get the cheap yet best car insurance in Iowa.

Minimum Required Auto Insurance Coverage in Iowa

Just like other states, Iowa also requires you to have minimum insurance coverage before you can register your car. According to the Iowa Insurance Department, all car owners must have at least the below two auto insurance coverage types:

Coverage Type Minimum Coverage Limit
Bodily injury liability coverage $20,000 per person
$40,000 per accident
Property damage liability coverage $15,000

Cheapest Car Insurance in Iowa for Minimum Required Coverage

State Farm is your best bet minimum car insurance coverage in Iowa if you're seeking for the most economical car insurance rates. Compared to the statewide average, State Farm's annual cost is 48 percent less state average. IMT and Auto Owners, are the next on the list. However, rates vary greatly depending on the car insurance companies, your region, your driving record, and other things. Compare quotes from various insurance to ensure you get the best deal.

See what you could save on auto insurance

Iowa Car Insurance Laws

All drivers in the state of Iowa are required to carry liability auto insurance. When you are found to be at fault for an accident, your liability insurance only covers the other driver and/or passengers of the other vehicle.

With the help of Way.com, you can obtain quotes from a wide range of top insurance providers and compare coverage options and prices to find the vehicle insurance policy that best suits your needs.

Iowa Auto Insurance Requirements

According to Iowa law, the following are the minimum car insurance requirements:

  • A minimum amount of bodily injury or death liability coverage of $20,000 per person and $40,000 per accident.
  • $15,000 in the event of a single accident causing bodily injury or death to one person, two or more deaths, or damage to other people's property.

Comprehensive and collision insurance may be a better option for some drivers because it covers damage to other people's property as well as the car's own.

Iowa car insurance PIP requirements

Iowa does not require personal injury protection (PIP). Infact in Iowa, PIP is completely unavailable. If you've been injured in a car accident in Iowa, you may be eligible for medical payments insurance (sometimes referred to as Med Pay).

Proof Of Auto Insurance In Iowa

Registering your vehicle in Iowa does not necessitate submitting proof of liability insurance coverage. It's a good idea to have it in place before you begin driving. If you don't have the proper documentation, your license could be revoked or you could be fined. Iowa allows electronic proof of insurance coverage.

Average Cost Of Auto Insurance Companies In Iowa

In Iowa, the cost of a minimum liability policy is $65 per month, or $770 per year, on average. Full coverage auto insurance in Iowa costs, on average, $1,600 a year, or $134 a month. Refer to the following table to get the numbers of the different insurance quotes.

Company Annual rate Monthly rate
State Farm $770 $65
IMT $1,145 $97
Farm Bureau $1,315 $111
Auto-Owners $1,385 $116
American Family $1,405 $120
Allied $1,505 $125
Geico $1,785 $150
Nationwide $1,780 $150
Allstate $1,825 $152
MetLife $1,905 $158
Grinnell $1,925 $161
Progressive $2,395 $200

Cheapest Car Insurance Quotes For Iowa Drivers

It's possible to save money on car insurance without having to compromise on coverage. Low-cost car insurance is available in Iowa from a variety of providers. Using data on average annual rates, we located some of the most cost-effective auto insurance providers in the state of Iowa. According to our in-house market research, these companies offer the best auto insurance in Iowa.

Cheap car insurance in Iowa for young Iowa drivers

In Iowa, IMT Insurance provides the cheapest car insurance for 18-year-olds. While full coverage from IMT costs $1,990, they can get minimum coverage for $600 per year. State Farm, Farm Bureau, and Grinnell also offer low-cost auto insurance policies.

Company Annual rate (Liability only) Annual rate (Full coverage)
IMT $600 $1,990
State Farm $695 $2,120
Farm Bureau $735 $2,990
Grinnell $970 $4,335
Auto-Owners $1,005 $3,585
Geico $1,015 $3,435
American Family $1,370 $5,290
Allstate $1,595 $3,685
Progressive $1,695 $6,050
Nationwide $2,275 $5,865

Cheap car insurance for Iowa drivers with a speeding ticket

With an average annual premium of $825, State Farm offers the most affordable full coverage auto insurance in Iowa for those with a speeding ticket. This is a 56% savings over what one would expect to pay elsewhere. The insurance costs for drivers with a speeding ticket are higher than the average, but they are not as high as the insurance costs for drivers who are at fault in an accident.

Company Annual rate
State Farm $825
Allied $955
IMT $1,430
MetLife $1,541
Auto-Owners $1,585
Farm Bureau $1,600
American Family $1,820
Grinnell $1,925
Allstate $2,010
Geico $2,075
Nationwide $2,225
Progressive $3,020

Cheap auto insurance for Iowa drivers after a car accident

In the event of an Iowa at-fault accident, State Farm is the insurer with the most affordable premiums. Full coverage auto insurance from State Farm typically costs $890, which is 61% less than the statewide average for drivers with one accident.

Company Annual rate
State Farm $890
Allied $1074
IMT $1,675
Auto-Owners $1,730
MetLife $1,862
Grinnell $1,925
Farm Bureau $2,125
American Family $2,365
Allstate $2,535
Geico $2,735
Nationwide $2,865
Progressive $3,755

Cheap car insurance quotes for Iowa drivers with a DUI

The average annual premium for car insurance can rise by 70% if you have a DUI on your record. When it comes to DUI insurance in Iowa, IMT is the most affordable option by a significant margin. State Farm also offers affordable rates for drivers with a DUI, with an average of $2,209 per year.

Company Annual rate
IMT $2,002
State Farm $2,209
Auto-Owners $2,293
Allied $2,297
Allstate $2,397
Progressive $2,639
American Family $2,682
Geico $2,783
MetLife $2,795
Farm Bureau $2,844
Grinnell $3,233
Nationwide $3,521

Cheap car insurance for married Iowa drivers

Despite the fact that it does not offer a discount for being married, State Farm offers the most affordable car insurance for married drivers.

Company Annual rate
State Farm $780
IMT $1,060
Farm Bureau $1,175
Auto-Owners $1,385
American Family $1,405
Nationwide $1,610
Geico $1,735
Allstate $1,780
Progressive $1,855
Grinnell $1,925

Cheap full coverage car insurance quotes for young drivers with an accident history

A young driver who is at-fault in a car accident will see a significant increase in his or her insurance premiums. Young drivers in Iowa who have been involved in an accident for which they were at fault may still be able to find affordable full coverage auto insurance with State Farm. In comparison, State Farm's rates are 47% lower than the national average.

Company Annual rate
State Farm $845
IMT $955
Grinnell $980
Farm Bureau $1,185
Auto-Owners $1,405
Geico $1,595
Allstate $1,950
American Family $2,070
Progressive $2,265
Nationwide $2,550

See what you could save on auto insurance

Compare Car Insurance Rates In Top Cities

The average full coverage policy in Iowa costs $1450 a year. Even though these averages can give you a good idea of how costs may vary, your car insurance rates are likely to be unique. Insuring a vehicle is affected by a number of factors, including the location in which it is kept.

CityAnnual Rate
Ackley$1,505
Ackworth$1,613
Adair$1,685
Adel$1,517
Afton$1,733
Agency$1,553
Ainsworth$1,541
Akron$1,565
Albert City$1,493
Albia$1,625
Albion$1,529
Alburnett$1,541
Alexander$1,457
Algona$1,469
Alleman$1,505
Allerton$1,745
Allison$1,589
Alta$1,493
Alta Vista$1,613
Alton$1,481
Altoona$1,445
Alvord$1,529
Amana$1,589
Ames$1,349
Anamosa$1,589
Andover$1,577
Andrew$1,637
Anita$1,721
Ankeny$1,373
Anthon$1,625
Aplington$1,565
Archer$1,505
Aredale$1,541
Argyle$1,601
Arion$1,613
Arispe$1,757
Arlington$1,661
Armstrong$1,481
Arnolds Park$1,481
Arthur$1,541
Asbury$1,493
Ashton$1,505
Aspinwall$1,577
Atalissa$1,493
Atkins$1,565
Atlantic$1,697
Auburn$1,505
Audubon$1,613
Aurelia$1,553
Aurora$1,589
Austinville$1,529
Avoca$1,733
Ayrshire$1,505
Badger$1,541
Bagley$1,613
Baldwin$1,613
Bancroft$1,481
Barnes City$1,577
Barnum$1,541
Batavia$1,613
Battle Creek$1,565
Baxter$1,493
Bayard$1,613
Beacon$1,541
Beaman$1,505
Bedford$1,901
Belle Plaine$1,553
Bellevue$1,613
Belmond$1,493
Bennett$1,517
Benton$1,805
Bernard$1,601
Berwick$1,445
Bettendorf$1,517
Bevington$1,649
Birmingham$1,613
Blairsburg$1,481
Blairstown$1,553
Blakesburg$1,601
Blanchard$1,793
Blencoe$1,649
Blockton$1,817
Bloomfield$1,673
Bode$1,505
Bondurant$1,481
Boone$1,565
Booneville$1,493
Bouton$1,481
Boxholm$1,505
Boyden$1,529
Braddyville$1,829
Bradgate$1,529
Brandon$1,529
Brayton$1,637
Breda$1,493
Bridgewater$1,757
Brighton$1,601
Bristow$1,553
Britt$1,457
Bronson$1,553
Brooklyn$1,577
Brunsville$1,517
Bryant$1,541
Buckingham$1,541
Buffalo Center$1,445
Burlington$1,457
Burnside$1,541
Bussey$1,577
Calamus$1,493
Callender$1,541
Calumet$1,529
Camanche$1,493
Cambridge$1,469
Cantril$1,661
Carbon$1,805
Carlisle$1,565
Carpenter$1,529
Carroll$1,433
Carson$1,793
Carter Lake$1,925
Cascade$1,589
Casey$1,709
Castalia$1,661
Castana$1,601
Cedar$1,565
Cedar Falls$1,517
Cedar Rapids$1,505
Center Junction$1,613
Center Point$1,517
Centerville$1,661
Central City$1,577
Chapin$1,481
Chariton$1,661
Charles City$1,565
Charlotte$1,529
Charter Oak$1,601
Chatsworth$1,541
Chelsea$1,625
Cherokee$1,553
Chester$1,625
Chillicothe$1,565
Churdan$1,529
Cincinnati$1,661
Clare$1,565
Clarence$1,565
Clarinda$1,769
Clarion$1,445
Clarksville$1,541
Clear Lake$1,433
Clearfield$1,829
Cleghorn$1,553
Clemons$1,529
Clermont$1,649
Climbing Hill$1,589
Clinton$1,541
Clio$1,697
Clive$1,409
Clutier$1,577
Coggon$1,577
Coin$1,781
Colesburg$1,625
Colfax$1,493
College Springs$1,817
Collins$1,505
Colo$1,469
Columbia$1,577
Columbus City$1,601
Columbus Junction$1,565
Colwell$1,565
Conesville$1,505
Conrad$1,493
Conroy$1,565
Coon Rapids$1,577
Cooper$1,529
Coralville$1,337
Corning$1,853
Correctionville$1,601
Corwith$1,481
Corydon$1,685
Coulter$1,493
Council Bluffs$1,913
Crawfordsville$1,529
Crescent$1,877
Cresco$1,613
Creston$1,661
Cromwell$1,697
Crystal Lake$1,493
Cumberland$1,841
Cumming$1,553
Curlew$1,493
Cushing$1,577
Cylinder$1,481
Dakota City$1,541
Dallas Center$1,493
Dana$1,541
Danbury$1,649
Davenport$1,589
Davis City$1,745
Dawson$1,517
Dayton$1,517
De Soto$1,577
De Witt$1,481
Decatur$1,733
Decorah$1,613
Dedham$1,541
Defiance$1,601
Delaware$1,625
Delmar$1,541
Deloit$1,577
Delta$1,589
Denison$1,601
Denmark$1,589
Denver$1,565
Derby$1,685
Des Moines$1,565
Dewar$1,637
Dexter$1,673
Diagonal$1,805
Dickens$1,505
Dike$1,505
Dixon$1,493
Dolliver$1,493
Donahue$1,481
Donnellson$1,613
Dorchester$1,697
Douds$1,673
Dougherty$1,529
Dow City$1,637
Dows$1,457
Drakesville$1,649
Dubuque$1,529
Dumont$1,553
Duncombe$1,529
Dundee$1,661
Dunkerton$1,601
Dunlap$1,673
Durango$1,553
Durant$1,457
Dyersville$1,505
Dysart$1,565
Eagle Grove$1,457
Earlham$1,637
Earling$1,625
Earlville$1,589
Early$1,517
East Peru$1,661
Eddyville$1,565
Edgewood$1,661
Elberon$1,577
Eldon$1,601
Eldora$1,553
Eldridge$1,457
Elgin$1,685
Elk Horn$1,673
Elk Run Heights$1,577
Elkader$1,697
Elkport$1,673
Elliott$1,841
Ellston$1,793
Ellsworth$1,445
Elma$1,589
Ely$1,541
Emerson$1,817
Emmetsburg$1,481
Epworth$1,529
Essex$1,793
Estherville$1,457
Evansdale$1,553
Everly$1,505
Exira$1,613
Exline$1,661
Fairfax$1,517
Fairfield$1,577
Farley$1,517
Farnhamville$1,541
Farragut$1,805
Fayette$1,637
Ferguson$1,505
Fertile$1,505
Floris$1,673
Floyd$1,553
Fonda$1,505
Fontanelle$1,769
Forest City$1,445
Fort Atkinson$1,637
Fort Dodge$1,517
Fort Madison$1,589
Fostoria$1,505
Fredericksburg$1,601
Fremont$1,565
Fruitland$1,505
Galt$1,493
Galva$1,529
Garber$1,673
Garden City$1,481
Garden Grove$1,745
Garnavillo$1,685
Garner$1,433
Garrison$1,553
Garwin$1,517
George$1,517
Gibson$1,601
Gifford$1,517
Gilbert$1,409
Gilbertville$1,553
Gilman$1,517
Gilmore City$1,505
Gladbrook$1,529
Glenwood$1,829
Glidden$1,505
Goldfield$1,481
Goodell$1,457
Goose Lake$1,517
Gowrie$1,541
Graettinger$1,505
Grafton$1,517
Grand Junction$1,529
Grand Mound$1,505
Granger$1,481
Granville$1,505
Gravity$1,877
Gray$1,613
Greeley$1,625
Greene$1,577
Greenfield$1,709
Greenville$1,505
Grimes$1,385
Grinnell$1,541
Griswold$1,793
Grundy Center$1,505
Guernsey$1,541
Guthrie Center$1,649
Guttenberg$1,661
Halbur$1,505
Hamburg$1,805
Hamilton$1,589
Hamlin$1,637
Hampton$1,469
Hancock$1,781
Hanlontown$1,505
Harcourt$1,529
Hardy$1,517
Harlan$1,637
Harper$1,601
Harpers Ferry$1,709
Harris$1,493
Hartford$1,613
Hartley$1,493
Hartwick$1,577
Harvey$1,553
Hastings$1,805
Havelock$1,505
Haverhill$1,529
Hawarden$1,517
Hawkeye$1,589
Hayesville$1,553
Hazleton$1,577
Hedrick$1,613
Henderson$1,793
Hiawatha$1,493
Highlandville$1,637
Hills$1,505
Hillsboro$1,589
Hinton$1,589
Holland$1,529
Holstein$1,565
Holy Cross$1,637
Homestead$1,577
Honey Creek$1,805
Hopkinton$1,613
Hornick$1,589
Hospers$1,505
Houghton$1,625
Hubbard$1,457
Hudson$1,529
Hull$1,493
Humboldt$1,529
Humeston$1,685
Huxley$1,469
Ida Grove$1,553
Imogene$1,829
IMT$1,661
Independence$1,505
Indianola$1,625
Inwood$1,529
Ionia$1,577
Iowa City$1,361
Iowa Falls$1,445
Ira$1,505
Ireton$1,505
Irwin$1,589
Jamaica$1,565
Janesville$1,565
Jefferson$1,517
Jesup$1,505
Jewell$1,445
Johnston$1,385
Joice$1,505
Jolley$1,493
Kalona$1,541
Kamrar$1,493
Kanawha$1,469
Kellerton$1,805
Kelley$1,457
Kensett$1,517
Keokuk$1,565
Keosauqua$1,685
Keota$1,589
Kesley$1,565
Keswick$1,601
Keystone$1,565
Killduff$1,505
Kimballton$1,625
Kingsley$1,541
Kinross$1,613
Kirkman$1,601
Kirkville$1,577
Kiron$1,553
Klemme$1,469
Knierim$1,553
Knoxville$1,577
La Motte$1,625
La Porte City$1,553
Lacona$1,673
Ladora$1,601
Lake City$1,493
Lake Mills$1,457
Lake Park$1,481
Lake View$1,529
Lakota$1,481
Lamoni$1,745
Lamont$1,613
Lanesboro$1,517
Langworthy$1,589
Lansing$1,721
Larchwood$1,529
Larrabee$1,565
Latimer$1,469
Laurel$1,541
Laurens$1,493
Lawler$1,613
Lawton$1,553
Le Claire$1,457
Le Grand$1,529
Le Mars$1,469
Ledyard$1,493
Lehigh$1,541
Leighton$1,529
Leland$1,469
Lenox$1,781
Leon$1,781
Letts$1,517
Lewis$1,733
Liberty Center$1,625
Libertyville$1,601
Lidderdale$1,469
Lime Springs$1,613
Linden$1,541
Lineville$1,733
Linn Grove$1,517
Lisbon$1,565
Little Cedar$1,577
Little Rock$1,517
Little Sioux$1,697
Livermore$1,505
Logan$1,709
Lohrville$1,517
Lone Rock$1,481
Lone Tree$1,469
Long Grove$1,469
Lorimor$1,757
Lost Nation$1,553
Lovilia$1,649
Low Moor$1,493
Lowden$1,553
Lu Verne$1,469
Luana$1,649
Lucas$1,697
Luther$1,481
Luxemburg$1,613
Luzerne$1,577
Lynnville$1,505
Lytton$1,493
Macksburg$1,709
Madrid$1,493
Magnolia$1,733
Malcom$1,541
Mallard$1,505
Malvern$1,805
Manchester$1,589
Manilla$1,565
Manly$1,517
Manning$1,541
Manson$1,529
Mapleton$1,625
Maquoketa$1,565
Marathon$1,493
Marble Rock$1,565
Marcus$1,577
Marengo$1,601
Marion$1,469
Marne$1,721
Marquette$1,661
Marshalltown$1,469
Martelle$1,589
Martensdale$1,637
Martinsburg$1,613
Mason City$1,409
Masonville$1,613
Massena$1,781
Matlock$1,529
Maurice$1,469
Maxwell$1,529
Maynard$1,589
Mc Callsburg$1,469
Mc Causland$1,493
Mc Clelland$1,781
Mc Gregor$1,661
Mc Intire$1,565
Mechanicsville$1,565
Mediapolis$1,553
Melbourne$1,517
Melcher-Dallas$1,601
Melrose$1,673
Melvin$1,505
Menlo$1,673
Meriden$1,577
Merrill$1,541
Meservey$1,469
Middle$1,613
Middle Amana$1,613
Middletown$1,541
Miles$1,565
Milford$1,469
Millersburg$1,613
Millerton$1,673
Milo$1,649
Milton$1,685
Minburn$1,517
Minden$1,769
Mineola$1,853
Mingo$1,505
Missouri Valley$1,745
Mitchellville$1,529
Modale$1,697
Mondamin$1,709
Monmouth$1,661
Monona$1,637
Monroe$1,493
Montezuma$1,577
Monticello$1,613
Montour$1,529
Montpelier$1,469
Montrose$1,601
Moorhead$1,625
Moorland$1,541
Moravia$1,673
Morley$1,601
Morning Sun$1,541
Morrison$1,541
Moscow$1,505
Moulton$1,661
Mount Auburn$1,553
Mount Ayr$1,805
Mount Pleasant$1,529
Mount Sterling$1,685
Mount Union$1,541
Mount Vernon$1,565
Moville$1,541
Murray$1,745
Muscatine$1,445
Mystic$1,661
Nashua$1,577
Nemaha$1,493
Nevada$1,445
New Albin$1,709
New Hampton$1,577
New Hartford$1,577
New Liberty$1,481
New London$1,541
New Market$1,841
New Providence$1,517
New Sharon$1,565
New Vienna$1,565
New Virginia$1,697
Newell$1,481
Newhall$1,553
Newton$1,445
Nichols$1,493
Nodaway$1,841
Nora Springs$1,529
North Buena Vista$1,661
North English$1,601
North Liberty$1,433
North Washington$1,613
Northboro$1,793
Northwood$1,517
Norwalk$1,553
Norway$1,529
Oakland$1,781
Oakville$1,589
Odebolt$1,529
Oelwein$1,577
Ogden$1,481
Okoboji$1,469
Olds$1,565
Olin$1,613
Ollie$1,589
Onawa$1,601
Onslow$1,625
Oran$1,589
Orange City$1,457
Orchard$1,565
Orient$1,757
Osage$1,529
Osceola$1,697
Oskaloosa$1,517
Ossian$1,661
Otley$1,541
Oto$1,625
Ottosen$1,493
Ottumwa$1,529
Oxford$1,517
Oxford Junction$1,649
Oyens$1,505
Pacific Junction$1,841
Packwood$1,601
Palmer$1,505
Palo$1,517
Panama$1,673
Panora$1,637
Park View$1,457
Parkersburg$1,577
Parnell$1,601
Patterson$1,685
Paullina$1,517
Pella$1,481
Peosta$1,529
Percival$1,841
Perry$1,505
Persia$1,721
Peru$1,661
Pierson$1,577
Pilot Grove$1,601
Pilot Mound$1,529
Pisgah$1,769
Plainfield$1,565
Plano$1,661
Pleasant Hill$1,469
Pleasant Valley$1,517
Pleasantville$1,589
Plover$1,553
Plymouth$1,493
Pocahontas$1,493
Polk City$1,493
Pomeroy$1,505
Popejoy$1,445
Portsmouth$1,685
Postville$1,685
Prairie City$1,529
Prairieburg$1,577
Prescott$1,757
Preston$1,565
Primghar$1,493
Princeton$1,481
Prole$1,637
Promise City$1,685
Protivin$1,601
Pulaski$1,661
Quasqueton$1,529
Quimby$1,577
Radcliffe$1,445
Rake$1,481
Ralston$1,529
Randalia$1,601
Randall$1,493
Randolph$1,841
Raymond$1,565
Readlyn$1,565
Reasnor$1,493
Red Oak$1,781
Redding$1,829
Redfield$1,565
Reinbeck$1,517
Rembrandt$1,505
Remsen$1,517
Renwick$1,481
Rhodes$1,505
Riceville$1,601
Ricketts$1,601
Ridgeway$1,661
Ringsted$1,493
Rippey$1,553
Riverside$1,505
Riverton$1,793
Robins$1,481
Rock Falls$1,481
Rock Rapids$1,529
Rock Valley$1,529
Rockford$1,553
Rockwell$1,469
Rockwell City$1,517
Rodney$1,613
Roland$1,433
Rolfe$1,505
Rose Hill$1,553
Rowan$1,481
Rowley$1,529
Royal$1,505
Rudd$1,565
Runnells$1,565
Russell$1,709
Ruthven$1,505
Rutland$1,517
Ryan$1,589
Sabula$1,589
Sac City$1,469
Saint Anthony$1,517
Saint Charles$1,721
Saint Donatus$1,625
Saint Lucas$1,649
Saint Marys$1,637
Saint Olaf$1,661
Saint Paul$1,577
Salem$1,577
Salix$1,565
Sanborn$1,517
Saylorville$1,469
Scarville$1,481
Schaller$1,481
Schleswig$1,589
Searsboro$1,565
Selma$1,649
Sergeant Bluff$1,565
Seymour$1,685
Shambaugh$1,793
Shannon City$1,721
Sharpsburg$1,841
Sheffield$1,493
Sheldahl$1,505
Sheldon$1,517
Shell Rock$1,529
Shellsburg$1,577
Shenandoah$1,757
Sherrill$1,589
Sibley$1,505
Sidney$1,841
Sigourney$1,565
Silver City$1,817
Sioux Center$1,469
Sioux City$1,685
Sioux Rapids$1,529
Slater$1,457
Smithland$1,613
Soldier$1,625
Solon$1,529
Somers$1,529
South Amana$1,601
South English$1,613
Spencer$1,481
Sperry$1,541
Spillville$1,661
Spirit Lake$1,469
Spragueville$1,589
Springbrook$1,649
Springville$1,565
St. Ansgar$1,517
Stanhope$1,481
Stanley$1,589
Stanton$1,817
Stanwood$1,589
Steamboat Rock$1,541
Stockport$1,613
Stockton$1,481
Storm Lake$1,469
Story City$1,433
Stout$1,541
Stratford$1,529
Strawberry Point$1,673
Stuart$1,649
Sully$1,493
Sumner$1,601
Superior$1,481
Sutherland$1,529
Swaledale$1,457
Swan$1,553
Swea City$1,493
Swedesburg$1,553
Swisher$1,505
Tabor$1,817
Tama$1,541
Teeds Grove$1,529
Templeton$1,517
Terril$1,481
Thayer$1,745
Thompson$1,457
Thor$1,529
Thornburg$1,601
Thornton$1,481
Thurman$1,865
Tiffin$1,505
Tingley$1,769
Tipton$1,529
Titonka$1,493
Toddville$1,529
Toeterville$1,541
Toledo$1,541
Tracy$1,553
Traer$1,541
Treynor$1,793
Tripoli$1,565
Troy Mills$1,565
Truesdale$1,481
Truro$1,697
Udell$1,673
Underwood$1,781
Unionville$1,661
University Heights$1,337
University Park$1,517
Urbana$1,553
Urbandale$1,433
Ute$1,613
Vail$1,553
Van Horne$1,541
Van Meter$1,553
Van Wert$1,769
Varina$1,541
Ventura$1,445
Victor$1,613
Villisca$1,877
Vincent$1,541
Vining$1,565
Vinton$1,541
Volga$1,685
Walcott$5
Walford$1,529
Walker$1,553
Wall Lake$1,553
Wallingford$1,481
Walnut$1,745
Wapello$1,553
Washington$1,529
Washta$1,565
Waterloo$1,589
Waterville$1,697
Watkins$1,529
Waucoma$1,625
Waukee$1,433
Waukon$1,649
Waverly$1,517
Wayland$1,589
Webb$1,529
Webster$1,613
Webster City$1,493
Weldon$1,745
Wellman$1,553
Wellsburg$1,517
Welton$1,553
West Bend$1,469
West Branch$1,505
West Burlington$1,433
West Chester$1,613
West Des Moines$1,445
West Liberty$1,481
West Point$1,577
West Union$1,625
Westfield$1,589
Westgate$1,601
Westside$1,529
Wever$1,565
What Cheer$1,613
Wheatland$1,541
Whiting$1,589
Whittemore$1,493
Whitten$1,517
Williams$1,469
Williamsburg$1,565
Williamson$1,661
Wilton$1,469
Windsor Heights$1,433
Winfield$1,541
Winterset$1,673
Winthrop$1,541
Wiota$1,697
Woden$1,469
Woodbine$1,709
Woodburn$1,757
Woodward$1,493
Woolstock$1,493
Worthington$1,553
Yale$1,613
Yarmouth$1,541
Yorktown$1,793
Zearing$1,469

Cheap auto insurance in Iowa with bad credit

Company Avg. Annual Premium
Travelers $1,757
USAA $1,800
State Farm $2,289
Farmers $2,332
Progressive $2,525
Allstate $3,046

Iowa auto insurance rate by violation

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $1,368 1% $10
One Med/PIP claim $1,384 2% $26
Not-at-fault accident $1,419 5% $61
One comp claim $1,450 7% $92
Two Med/PIP claims $1,487 10% $129
Two comp claims $1,502 11% $144
Driving without lights $1,507 11% $149
Speeding 6 - 10 MPH over limit $1,511 11% $153
Child safety restraint $1,529 13% $171
Failure to wear a seat belt $1,533 13% $175
Failure to show documents $1,559 15% $201
Speeding 11 - 15 MPH over limit $1,577 16% $219
Driving too slowly $1,582 17% $224
Failure to stop at a red light $1,587 17% $228
Failure to yield $1,587 17% $228
Illegal turn $1,587 17% $229
Speeding 16 - 20 MPH over limit $1,587 17% $229
Driving with expired registration $1,591 17% $233
Speeding in school zone $1,600 18% $241
Wrong way/wrong lane $1,907 19% $248
Cell phone violation $1,609 19% $251
Texting while driving $1,615 19% $256
Improper passing $1,615 19% $257
At-fault accident - less than $1000 $1,657 22% $298
Passing school bus $1,679 24% $331
Following too closely $1,682 24% $334
Speeding 21 - 25 MPH over limit $1,774 31% $416
Operating a vehicle without permission $1,797 33% $439
At-fault accident - greater than $2000 $1,852 37% $493
At-fault accident - $1000-$2000 $1,852 37% $493
In 65 MPH zone $1,894 40% $536
Open container $2,121 56% $763
Racing $2,260 67% $902
Driving with a suspended license $2,330 72% $972
Reckless driving $2,411 78% $1,053
Refusal to submit to a chemical test $2,444 80% $1,086
DUI $2,512 85% $1,154
Leaving scene of an accident/hit and run $2,529 86% $1,171

Car insurance price trends in Iowa

Year Avg. Annual Premium - Iowa Yearly Change - Iowa Avg. Annual Premium - US Yearly Change - US
2021 $1,228 $77 $1,539 $56
2020 $1,161 $67 $1,493 -$51
2019 $1,104 $94 $1,554 $33
2018 $1,020 -$776 $1,531 $94
2017 $1,806 $244 $1,447 $79
2016 $1,572 -$313 $1,378 $98
2015 $1,895 $226 $1,290 $61
2014 $1,679 $165 $1,239 $44
2013 $1,524 -$53 $1,205 -$70
2012 $1,587 $333 $1,286 $92

How to Find The Best Car Insurance in Iowa

The easiest trick in the book, get in touch with your insurance agent. An insurance agent will help you set your rates. If you prefer to avoid using the services of an insurance agent we can suggest a few ways:

  • Shop around: Shop around for auto insurance policies online. To see all of your options, you must compare.
  • Look for discounts: You will be able to save money on your car insurance if you know where to look. Always keep an eye out for these discounts and deals. Your car insurance costs will go down significantly if you find a good one.
  • Keep the balance between deductible and premium: If you're looking for the best car insurance plan, you'll want to look for a deductible option that's in the middle. So, choose your deductible wisely to get the most out of your online car insurance policy.
  • Keep an eye on the claims process: Purchasing an insurance policy is only the beginning of the insurance claim process. To be effective, it must be available when you need it the most – when you file a claim. As a result, double-check the claim procedure to ensure it's appropriate.
  • Check the renewal process: Finally, take a look at the process of renewal. In an ideal world, you should be able to renew your car insurance policy online in a matter of seconds, and this should be an option provided by your insurance company. Renewing your car insurance policy is as important as purchasing a new policy.

Things to Know About Car Insurance When Moving to Iowa

Currently, ten states in USA have no pay, no play laws on the books and Iowa is one among them.

SR-22 proof of insurance forms will be sent to the state Department of Transportation on your behalf when an insurance company receives your SR-22 request. SR-22 insurance policies aren't offered by all insurance companies. Some insurance companies will raise your premiums if you are caught driving without an Iowa SR-22.

As evidence that you have at least the minimum legal insurance coverage required by Iowa law, the SR-22 serves as a proof document.

  • $20,000 in personal injury liability per person.
  • For bodily injury liability, $40,000 is the maximum amount.
  • It costs $15,000 per incident to cover the cost of property damage claims.

Liability insurance covers the costs of other people's injuries when you're at fault for one.

How to Get Discounts on Car Insurance in Iowa

There are a variety of auto insurance discounts available in Iowa, but they will vary from agency to agency. If you're changing insurance providers, see if they have a transition discount. You could be able to save money by moving.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

Who has the cheapest car insurance in Iowa?

The car insurance company State Farm has the best rates for drivers looking for maximum coverage ($1158).

Does Iowa require car insurance?

Iowa law mandates minimum liability coverage of $20000 for bodily injury or death to one person in a single accident, $40000 for bodily injury or death to two or more people in a single accident, and $15000 for injury to or loss of other people's property in a single accident.

Is Iowa a no fault state for car insurance?

No, Iowa isn't a blameless state. Iowa is a tort (or "fault") state. This ensures that if a driver causes an accident, their insurance will cover the costs of the other driver's medical bills.

What is considered full coverage auto insurance in Iowa?

A policy that includes more than the state's minimum liability coverage, which is $20000 in bodily injury coverage per person, up to $40000 per accident, and $15000 in property damage coverage in Iowa, is known as full coverage insurance.

What is the fine for not having car insurance in Iowa?

If you're found driving without evidence of financial responsibility, you could face a $250 fine, and your driving privileges could be suspended for up to 12 months by a judge.

Is Iowa a PIP state?

In Iowa, personal injury insurance (PIP) is not mandatory. In Iowa, PIP isn't even open. Instead of PIP insurance, Iowa insurance providers sell medical payments insurance (also known as MedPay) to cover hospital bills incurred due to a car accident.

What are the auto insurance coverage requirements minimums for the state of Iowa?

Iowa law mandates minimum liability coverage of $20000 for bodily injury or death to one person in a single accident, $40000 for bodily injury or death to two or more people in a single accident, and $15000 for injury to or loss of other people's property in a single accident.

Who has the cheapest full coverage insurance?

A full coverage auto insurance policy costs $2399 per year, or $200 a month. This is more than double the average cost of auto insurance premiums that only meet the state's minimum standards. With an average annual cost of $1738 or $145 per month, State Farm is our pick for the cheapest, most commonly available full coverage policy in the world.

What happens if you don't have full coverage on a financed car?

If you don't keep full coverage on a financed car, you could be held liable for the entire cost of the vehicle if it is stolen or damaged in an accident. If you don't keep full coverage on your financed vehicle, you risk losing it to the lender with whom you signed a deal.

Is there a grace period for car insurance when buying a used car?

In the event of a lapsed auto insurance policy, most insurers have a grace period of around 30 days. Renew the insurance as soon as possible after it has lapsed into making the most of this additional time. There are three main advantages of this: Your insurance provider can waive the vehicle inspection.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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