You can find the cheapest full-coverage car insurance in Iowa for $103 a month from Travelers. It saves you $33 compared to the state average car insurance cost of $136 monthly.
Shopping for car insurance in Iowa can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“Drivers looking to get the cheapest insurance premiums in Iowa should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
- Travelers has the cheapest car insurance rates in Iowa for full coverage at $103 a month among the companies analyzed by the team of CarInsurance.com.
- In Iowa, drivers with clean driving records pay 31% less than drivers with a DUI.
- The city of Coralville has the lowest auto insurance rates in Iowa, with an average premium of $1,311 per year.
- You can save up to 24% per year on your car insurance policy in Iowa by comparing price quotes from multiple insurers.
Which company offers the cheapest car insurance rates in Iowa?
Based on data analysis by CarInsurance.com, Travelers provides the cheapest full coverage auto insurance rates for Iowa drivers at a monthly rate of $103 or $1,238 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Iowa.
Cheapest car insurance rates in Iowa per month
| Company | Full coverage monthly rates |
|---|---|
| Travelers | $103 |
| State Farm | $109 |
| West Bend Mutual | $109 |
| Auto-Owners | $122 |
| Progressive | $132 |
| IMT Insurance | $136 |
| Geico | $143 |
| Iowa Farm Bureau | $150 |
| Allstate | $177 |
| Grinnell Mutual | $216 |
| USAA* | $97 |
Note: USAA is only available to military community members and their families.
Who pays a lower insurance premium 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.
Tip
If 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 are the average annual rates from major insurance companies in Iowa, ranked from cheapest to the most expensive for the 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 insurance providers for liability-only coverage in Iowa
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in Iowa, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Auto-Owners | $219 |
| West Bend Mutual | $230 |
| IMT Insurance | $244 |
| Progressive | $249 |
| State Farm | $258 |
| Iowa Farm Bureau | $304 |
| Geico | $325 |
| Travelers | $369 |
| Grinnell Mutual | $468 |
| Allstate | $591 |
| USAA* | $264 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage car insurance in Iowa
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
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 have a speeding ticket on your Iowa driving record and you are looking for cheap car insurance, State Farm offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $958 per year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $896 | $958 | 7% | $62 |
| Auto-Owners | $1,206 | $1,352 | 12% | $146 |
| Nationwide | $833 | $1,363 | 64% | $530 |
| Travelers | $1,041 | $1,524 | 46% | $483 |
| American Family | $1,350 | $1,692 | 25% | $342 |
| Allstate | $1,575 | $1,735 | 10% | $161 |
| Geico | $1,107 | $1,816 | 64% | $709 |
| Farmers | $1,439 | $1,893 | 32% | $454 |
| Progressive | $1,934 | $2,405 | 24% | $471 |
| USAA* | $1,026 | $1,190 | 16% | $164 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after a DUI conviction in Iowa
CarInsurance.com analyzed insurance rates for Iowa drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $958 . Travelers is the second-cheapest insurer at an average of $1,591 per year.
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 after an at-fault accident in Iowa
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.
Check out the most affordable insurance options in your neighboring state
Which cities in Iowa have the lowest auto insurance rates?
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
The city with the lowest auto insurance rates in Iowa is Coralville, at $1,311 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Below is a list of cities in Iowa with the lowest auto 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 |
A detailed guide on the 10 most important factors that influence car insurance rates
How much can you save on car insurance in Iowa?
By comparing car insurance quotes, you can save an average of 24% per year for a full coverage policy in Iowa.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in Iowa: Save on premiums
Iowa drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Iowa.
| Discount type | % difference | $ difference |
|---|---|---|
| Anti-theft device | 2% | $32 |
| Daily commute | 9% | $161 |
| Days advanced purchase | 7% | $114 |
| Days per week driven | 5% | $65 |
| Education | 6% | $92 |
| Electronic funds transfer | 4% | $77 |
| Homeowner | 7% | $116 |
| Lower annual mileage | 6% | $84 |
| Loyalty – years renewal with company | 6% | $66 |
| Marital status | 7% | $107 |
| Multi policy | 10% | $151 |
| Paperless/electornic documents | 3% | $53 |
| Payment type | 10% | $169 |
| Primary use | 10% | $169 |
| Profession | 16% | $293 |
| Safety devices | 2% | $40 |
| Telematics | 13% | $162 |
| Years insured | 18% | $449 |
| Years licensed | 25% | $737 |
Final thoughts on cheap car insurance in Iowa
Our research shows that Travelers has the cheapest full coverage car insurance rates in Iowa for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Iowa, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources &Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Iowa for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 20/40/15.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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