Why Compare Car Insurance Rates in Iowa:
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.
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 |
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. Auto-Owners and West Bend Mutual, 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.
| Company | Annual Premium |
|---|---|
| State Farm | $144 |
| Auto-Owners Insurance Co | $187 |
| West Bend Mutual | $188 |
| Progressive | $191 |
| Westfield | $194 |
| Western National | $242 |
| Iowa Farm Bureau | $257 |
| Grange Insurance | $300 |
| American Family | $301 |
| Grinnell Mutual | $303 |
| IMT Insurance Company | $309 |
| Farmers | $344 |
| Travelers | $348 |
| Allstate | $421 |
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.
According to Iowa law, the following are the minimum car insurance requirements:
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 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).
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.
Car insurance quotes will vary from person to person based on various factors such as age, gender, and driving history, so it's recommended to compare free car insurance quotes from at least three providers and understand how much coverage you need to find the best deal for you.
| Company | Annual Premium |
|---|---|
| West Bend Mutual | $1,005 |
| Allstate | $1,027 |
| American Family | $1,100 |
| IMT Insurance Company | $1,128 |
| Grange Insurance | $1,173 |
| Travelers | $1,199 |
| Farmers | $1,313 |
| Westfield | $1,326 |
| State Farm | $1,353 |
| Progressive | $1,377 |
| Iowa Farm Bureau | $1,597 |
| Auto-Owners Insurance Co | $1,774 |
| Grinnell Mutual | $2,358 |
| Western National | $2,921 |
In Iowa, the cost of a minimum liability policy is $44 per month, or $530 per year, on average. Full coverage auto insurance in Iowa costs, on average, $788 a year, or $65 a month. Refer to the following table to get the numbers of the different insurance quotes.
| Company | Annual Premium |
|---|---|
| State Farm | $530 |
| West Bend Mutual | $554 |
| Auto-Owners Insurance Co | $693 |
| American Family | $725 |
| Westfield | $727 |
| Allstate | $741 |
| Travelers | $824 |
| Progressive | $835 |
| IMT Insurance Company | $840 |
| Farmers | $877 |
| Iowa Farm Bureau | $884 |
| Grange Insurance | $908 |
| Grinnell Mutual | $1,110 |
| Western National | $1,210 |
Iowa Rates for Teen Drivers
| Company | 16-year-old-female | 16-year-old-male |
|---|---|---|
| State Farm | $1,844 | $5,450 |
| Allstate | $5,371 | $2,321 |
| Travelers | $3,574 | $6,109 |
| Progressive | $5,596 | $2,649 |
| Auto-Owners Insurance Co | $1,910 | $5,626 |
| Farmers | $5,188 | $4,576 |
Iowa Rates for Seniors
| Company | Annual Premium |
|---|---|
| State Farm | $466 |
| West Bend Mutual | $554 |
| Auto-Owners Insurance Co | $618 |
| American Family | $642 |
| Westfield | $680 |
| Progressive | $708 |
| Allstate | $711 |
| Iowa Farm Bureau | $756 |
| Travelers | $774 |
| IMT Insurance Company | $788 |
| Farmers | $800 |
| Grange Insurance | $842 |
| Grinnell Mutual | $924 |
| Western National | $1,045 |
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.
In Iowa, West Bend Mutual Insurance provides the cheapest car insurance for 18-year-olds. While full coverage from West Bend Mutual costs $661. State Farm, American Family , all state also offer low-cost auto insurance policies.
Iowa Rates for Young Adults
| Company | Annual Premium |
|---|---|
| West Bend Mutual | $661 |
| State Farm | $665 |
| American Family | $756 |
| Westfield | $929 |
| Allstate | $933 |
| Auto-Owners Insurance Co | $945 |
| Travelers | $969 |
| Iowa Farm Bureau | $1,000 |
| Farmers | $1,049 |
| IMT Insurance Company | $1,053 |
| Grange Insurance | $1,067 |
| Progressive | $1,130 |
| Grinnell Mutual | $1,530 |
| Western National | $1,802 |
With an average annual premium of $716, West Bend Mutual 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 |
| Auto-Owners Insurance Co | $1,233 |
| Nationwide | $2,225 |
| Progressive | $3,020 |
| West Bend Mutual | $716 |
| Allstate | $821 |
| Westfield | $874 |
| Iowa Farm Bureau | $1,059 |
| Grange Insurance | $1,383 |
| Travelers | $1,108 |
| Grinnell Mutual | $1,141 |
| Western National | $1,194 |
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 |
| Iowa Farm Bureau | $1,406 |
| Nationwide | $2,865 |
| Progressive | $3,755 |
| West Bend Mutual | $958 |
| Westfield | $1,017 |
| IMT Insurance Company | $1,118 |
| Travelers | $1,157 |
| Western National | $1,197 |
| Grange Insurance | $1,389 |
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 |
| MetLife | $2,795 |
| Farm Bureau | $2,844 |
| Grinnell | $3,233 |
| Nationwide | $3,521 |
| West Bend Mutual | $1,038 |
| Western National | $1,194 |
| Travelers | $1,278 |
| Grange Insurance | $1,621 |
| Westfield | $1,681 |
| Iowa Farm Bureau | $1,817 |
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 |
| Allstate | $1,780 |
| Progressive | $1,855 |
| Grinnell | $1,925 |
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 |
| Allstate | $1,950 |
| American Family | $2,070 |
| Progressive | $2,265 |
| Nationwide | $2,550 |
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.
| City | Annual 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 |
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:
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.
Liability insurance covers the costs of other people's injuries when you're at fault for one.
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.
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
The car insurance company State Farm has the best rates for drivers looking for maximum coverage ($1158).
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.
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.
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.
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.
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.
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.
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.
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.
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.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
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