The cheapest car insurance in Iowa costs $103 per month for a full coverage policy from Travelers. That’s a $33 savings from the average cost of insurance in the state, which is $136 a month.
“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.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Iowa including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
- 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.
Which company offers the cheapest car insurance rates 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 includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Iowa by different insurance carriers for a full coverage policy.
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.
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Who pays the lowest auto insurance premiums in Iowa?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 7% less than single drivers.
- Iowa drivers with clean records pay 31% less than drivers who have a DUI on their records.
- 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
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
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 coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property 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 car insurance companies in Iowa for full coverage
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The following table lists the average annual rates of major insurance companies in Iowa from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| Company | Full Coverage Annual Rates |
|---|---|
| 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
Your driving history affects how much you pay for insurance in Iowa because insurance companies use it to assess the risk associated with insuring a driver.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $441 more annually in Iowa than an individual with a clean driving record.
Cheap car insurance in Iowa after a speeding ticket
If you’ve got a speeding ticket on your Iowa driving record and need affordable car insurance, State Farm might be the answer. With an average annual rate of $958 , State Farm offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Iowa.
| 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 in Iowa after a DUI conviction
Iowa drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $958 a year, followed by Travelers with an annual premium of $1,591 annually, based on recent data.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 31% less than drivers with a DUI on their record.
| 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
State Farm is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,021 .
Nationwide is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,411 .
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher 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
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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?
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
Coralville is the city with the lowest premiums in Iowa at an annual auto insurance rate of $1,311 .
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Find below a list of Iowa cities with the lowest 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 |
Explore the top 10 factors that influence car insurance rates
How much can you save on car insurance in Iowa?
If you compare car insurance quotes, you could enjoy an annual saving of around 24% on a full coverage policy in Iowa.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in Iowa: Save on premiums
In Iowa, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Iowa below.
| 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
Based on our research, if you are a good driver, Travelers is the cheapest in Iowa for a full coverage policy.
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 Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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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.
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Leslie Kasperowicz
Executive 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.
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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