$17/mo
$18/mo
$19/mo
The car 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. 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.
The car owners in Iowa pays on an average of $755 for six months for car insurance, which is less than the national average. Pekin offers cheap and the best rates in Iowa.
Pekin offers the cheapest liability coverage in Iowa at $17/month; thus making it an attractive option for drivers looking to save money.
Read about the cheapest liability coverage companies in Iowa ↓
West Bend Mutual provides cheap full insurance coverage in Iowa at $61/month, offering excellent value.
Read about the cheapest full coverage companies in Iowa ↓
Hastings Mutual is the cheapest option after an at-fault accident in Iowa at $19 per month.
Read more about best car insurance companies after at-fault accident in Iowa ↓
West Bend Mutual was named the best overall by J.D. Power and AM Best, making it a top pick among Iowa’s best car insurers.
Check out the full list of the best car insurance companies in Iowa ↓For drivers looking to meet Iowa minimum car insurance requirements, liability-only insurance is the most budget-friendly choice. Cheap liability car insurance in Iowa is widely available from providers like Pekin at $17/month. If you opt for Grinnell Mutual you will have to pay at least $45/month for your car insurance premium, which is the highest in Iowa.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Pekin | $101 | $17 |
| Westfield | $107 | $18 |
| Hastings Mutual | $113 | $19 |
| Progressive | $113 | $19 |
| West Bend Mutual | $119 | $20 |
| Grange | $131 | $22 |
| USAA | $137 | $23 |
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others. As per our analysis West Bend Mutual offers the cheapest car insurance for full coverage in Iowa at $61 per month. On the other hand Grinnell Mutual offers the most expensive rate at $200 per month.
Get Your Car Insurance Quote in Iowa Instantly!
West Bend Mutual stands out as the best car insurance provider in Iowa, thanks to its affordable premiums, extensive discounts, and strong customer satisfaction ratings from sources like J.D. Power and AM Best. With a robust range of coverage options, American Family is a top pick for drivers seeking value and reliability.
West Bend Mutual offers a six-month premium of $244, which amounts to approximately $41 per month. This provides a competitive and affordable option for those looking for budget-friendly car insurance.
The average premium of American Family is $255, which is higher than West Bend Mutual's by $11. Their higher monthly premium is, due to their strict policies on traffic violations.
Grange's premium is $273, which is significantly more expensive than American Family's by $18. Their monthly premium is higher due to their strict policies on DUI infractions.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| West Bend Mutual | $244 | $41 |
| American Family | $255 | $43 |
| Grange | $273 | $46 |
| Progressive | $273 | $46 |
| Auto-Owners Insurance Co | $297 | $50 |
| Westfield | $297 | $51 |
| Travelers | $386 | $65 |
Teens and young drivers in Iowa often face high
car insurance rates, especially those aged 16 to 19. This is because inexperienced
drivers pose a higher risk. The average cost for teens in Iowa is
$1636 for 6 months, which is less than the national average.
Westfield is the best options for cheap
car insurance for young drivers in Iowa.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $131 | $22 |
| Grange | $149 | $25 |
| West Bend Mutual | $160 | $27 |
| Iowa Farm Bureau | $184 | $31 |
| Travelers | $624 | $105 |
| American Family | $885 | $149 |
| USAA | $1117 | $188 |
Car insurance rates in Iowa have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Iowa rose by $154 in Jan compared to $140 of Dec. In other words, there has been an increase by $14 when you compare Jan and Dec.
The average liability insurance cost in the Iowa remained steady at $154 in both Jan and Dec, indicating no change over the two-month period.
Your driving history significantly impacts your car insurance premiums. Insurance companies assess past at-fault accidents to gauge risk and adjust rates accordingly. Through our research we found that Hastings Mutual gives you the cheapest car insurance rate after an at-fault accident in Iowa at $19/month. On the other hand Nationwide is the most expensive option at $410/month for an at-fault accident.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Hastings Mutual | $113 | $19 |
| Pekin | $137 | $23 |
| Western National | $178 | $30 |
| Westfield | $178 | $30 |
| Grange | $202 | $34 |
| Auto-Owners Insurance Co | $208 | $35 |
| West Bend Mutual | $208 | $35 |
If you are living in Iowa you should opt for West Bend Mutual. West Bend Mutual ranks as number 1 across various factors like customer satisfaction, claims and rates.
In Iowa, your Auto insurance premiums can rise
significantly due to traffic violations. The extent of the increase depends on factors
such as the violation type, local regulations, and the insurer's policies. Minor
offenses like speeding might cause a small increase, while more serious violations, such
as DUIs, can lead to much higher rates. Additionally, the effect on premiums in
Iowa may differ from the national average due to regional risks and rules.
Here’s a breakdown of average car insurance rates in Iowa after
common driving violations.
| Accident/Violation | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| None | $838 | $140 |
| One Med/PIP claim | $849 | $144 |
| Not-at-fault accident | $873 | $146 |
| One comp claim | $897 | $153 |
| Two Med/PIP claims | $921 | $153 |
| Child safety restraint | $939 | $160 |
| Failure to show documents | $939 | $156 |
Driving under the influence is a serious offense. A DUI history classifies you as a high-risk driver, increasing your annual insurance premium. Premiums after a DUI can vary significantly between insurance providers. According to our findings, one of the cheapest car insurances in Iowa is American Family at $29 per month. Grinnell Mutual at $395 per month is the most expensive provider.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $172 | $29 |
| Western National | $178 | $30 |
| Grange | $232 | $39 |
| Travelers | $232 | $39 |
| West Bend Mutual | $232 | $39 |
| Progressive | $642 | $108 |
| IMT | $1182 | $197 |
An SR-22 is a certificate of financial responsibility required by the state for high-risk drivers. It verifies that the driver carries the minimum liability insurance coverage mandated by law. The SR-22 is typically needed after violations like DUI or a serious traffic offense.
Contact your current insurance provider and ask them to file an SR-22. Not all companies offer this service, so you might need to switch providers.
You'll need to purchase a new insurance policy. Some insurers specialize in helping high-risk drivers and can file the SR-22 for you.
A non-owner car insurance policy is your best option. It covers liability and fulfills the SR-22 requirement at a lower cost since it doesn't insure a specific vehicle.
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cedar Rapids | $748 | $126 |
| Davenport | $772 | $130 |
| Des Moines | $784 | $132 |
| Ankeny | $814 | $137 |
| Ames | $849 | $142 |
| Coralville | $855 | $145 |
| Iowa City | $855 | $143 |
| University Heights | $855 | $145 |
| Gilbert | $879 | $147 |
| Grimes | $885 | $150 |
| Johnston | $885 | $148 |
| North Liberty | $885 | $150 |
