Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

Compare car insurance in Iowa

Get the cheapest car insurance in Iowa for 2021

Iowa averages $816.18 per year or about $68 per month, according to the National Association of Insurance Commissioners (NAIC). The state trends on the cheap side of car insurance costs in the US, costing 31% less than the countrywide average of $1,190 per year.

However, you may or may not pay in this ballpark for car insurance because your cost is customized to you and accounts for your driving record, car, ZIP code and other factors. Also, the NAIC considers policies with both state minimum and higher coverage. The coverage you choose can affect your rate significantly.

Iowa car insurance quick facts

Picture not described

Minimum liability requirements

20/40/15

Average annual car insurance cost according to the NAIC

$816.18

At-fault state

In at-fault states, the driver at fault pays for the damages.

State minimum car insurance requirements in Iowa

When you’re looking for car insurance in Iowa, you need at least bodily injury and property damage liability insurance to drive legally. The amount of coverage required is 20/40/15, which tells you how much your insurance will pay for car accident injuries or damage. These are called your coverage limits.

Let’s look at what Iowa’s state minimum car insurance covers in detail.

Bodily Injury Liability

Bodily injury liability

  • $20,000 for bodily injuries per person
  • $40,000 for injuries to two or more people per accident

For bodily injuries, Iowa requires you to carry 20/40, which means that your insurance will pay up to $20,000 for injuries to one person and $50,000 for injuries to multiple people.

This coverage is important because it pays for someone else’s medical expenses or pain and suffering if you cause an accident. Since medical expenses and legal fees can get expensive, consider higher liability limits than is called for in Iowa.

Property damage liability

Property damage liability

  • $15,000 in property damage liability

Iowa also requires $15,000 for property damage, which for damage that you cause to the other driver’s car or personal property like a smartphone or property owner’s fencing. This coverage limit is common across states, although it gives you low protection in an accident.

Finder tip: Iowa’s state minimum coverage isn’t enough

Iowa’s minimum requirements for car insurance won’t cover all expenses in many accident situations. For example, if you total another driver’s car that’s worth $25,000, your insurance will pay up to $15,000 to replace the car. In this case, you could be responsible to pay the other $10,000 out of pocket. Consider raising your liability limits and choosing add-ons, based on your budget and driving needs.

7 factors that affect car insurance rates in Iowa

Factors are characteristics specific to you that car insurance companies use to set how much you’ll pay for car insurance. The less risky each of your factors is the less you pay, the riskier you are the more you’ll pay. We’ll break down Iowan’s rating factors to keep in mind.

FactorHow it affects your rates
Age

Age

Your age is a factor that affects your car insurance rate. Iowa is one of the only states to allow 14 year olds to get a permit as part of its graduated license system, and drivers under 25 likely see higher rates. Once drivers are in their late twenties, rates start to drop and continue through adulthood. Rates start to rise again as drivers age, particularly into their seventies and up.
Gender

Gender

While gender is a rating factor that can affect premiums, it doesn’t have a large impact in Iowa. Women pay a few dollars more on average compared to men. Rating factors like credit score and age have a much greater affect on premiums in Iowa.
Location

Location

Where you live has a large impact on your insurance rates, including the data surrounding car theft and uninsured drivers in your state. If there is a higher rate of car thefts, for example, insurers may charge more to cover that risk.

Iowans enjoy a relatively low rate of car theft, coming in well below the national average with 197.1 car thefts per 100,000 inhabitants – compared to the national average of 246.

Iowa ranks 27th in the nation for uninsured drivers with an estimated 11.3% of uninsured residents, according to the Insurance Information Institute (III). Having fewer uninsured drivers can mean lower insurance rates.

Vehicle and mileage

Vehicle and mileage

The make and model of your vehicle affects your premium. A more expensive vehicle to repair or replace costs more to insure. And a vehicle with more safety features and greater safety scores costs less to insure.

Plus, the longer you’re on the road, the more possibility of an accident so people who drive greater distances could pay higher premiums. Iowans drive an average of 38.3 miles per day, slightly higher than the national average of 36.1 miles per day.

Credit score

Credit score

Iowa allows the use of your credit score as a factor in setting your insurance rates. There is a strong correlation between having good credit and filing fewer insurance claims, so insurance companies use your credit score unless prohibited by law.
Coverage

Coverage

Iowa’s state minimum limits are low, so if you only purchased minimum coverage your rates could be low. But the state minimums probably won’t be enough coverage for most drivers and your premiums increase as your coverage increases. Choosing a higher deductible can help keep your premium lower.
Driving Record

Driving Record

Having a clean driving history is a great way to keep your premiums low. Offenses on your record mean an increase in rates. A speeding ticket can increase your rates around 17% while an at-fault accident could increase your rates by 42%. And a DUI can cause a spike of 60%. These infractions typically stick around three years.

What if I need an SR-22 in Iowa?

If you’re notified that you need an SR-22, you’ll file this form with Iowa’s Office of Driver Services. An SR-22 is a form that proves you have enough insurance to take financial responsibility for an accident. It’s required when your license is suspended or revoked in the state.

Learn more about filing an SR-22 in Iowa and how long you’re required to keep one on record.

Coverage that we recommend in Iowa

Since car insurance rates stay low in Iowa compared to other states, consider boosting your policy with these add-ons.

More liability = peace of mind for serious accidents

You can easily exhaust Iowa’s low liability limits after a car accident, especially if it involves severe injuries or if someone takes you to court. For instance, a hospital stay costs thousands of dollars per day and varies based on the level of care. To make sure you cover all your bases, talk with your insurance agent or financial adviser about the liability limits that best suit you.

Collision coverage benefits most Iowans

If you have room in your budget, buying collision coverage is usually worth the investment. For example, most Iowans pay around $20 per month for collision coverage, according to the NAIC. Let’s say that you get in an accident causing $2,000 of damage to your car. You’d have to save up your $20 monthly premium for over eight years to recoup the cost of this accident.

Any time that you’re on the road, you have the chance of getting in an at-fault accident. Collision coverage helps you pay for your own damages.

Consider this coverage if . . .

  • You drive a lot and rely on your car.
  • Your car loan requires it.
  • You can’t pay for major car repairs on your own.
  • You don’t have the funds to buy another car.

Comprehensive coverage is needed more in Iowa

Driving across the plains and hills of Iowa, you might want comprehensive coverage to protect you from “other-than-collision” damage. This coverage kicks in for many damages, including theft, windshield cracks and harsh weather. Running into an animal is also a real risk— Iowa ranks No. 10 for states with the highest chance of hitting an animal, according to an annual State Farm analysis.

Consider this coverage if . . .

  • Your auto loan requires it.
  • You can’t pay for major car repairs on your own.
  • You live in an area known for theft or crime.
  • You live in a rural part of Iowa with large wildlife.
  • Your area sees harsh weather.

Prep for uninsured or underinsured drivers

You can’t control other drivers’ choices for insurance coverage. But you can protect yourself with uninsured or underinsured motorist coverage in case a driver hits you without enough insurance to pay you. That way you’re not on your own for repairing your car or covering your own medical bills.

Consider this coverage if . . .

  • You couldn’t pay for your own car repairs.
  • You don’t have health insurance.
  • Your health insurance has a high deductible or copays.

Top 10 auto insurance companies in USA that serve Iowa

We’ve pulled the top 10 companies by market share that offer coverage in Iowa, according to S&P Global. Compare top companies by three major rating agencies along with our overall Finder score.

  • Better Business Bureau (BBB) rating measures how a business interacts with its customers, with the highest rating being A++.
  • J.D. Power determines customers’ overall satisfaction with their car insurer’s price, billing, claims and customer support. The higher the J.D. Power score out of 1,000, the better.
  • NAIC complaint index shows how a company’s number of complaints compares to similar companies of its size. Scores lower than 1.00 show the company receives less than the average number of complaints, and scores above 1.00 show more complaints than average.
  • Finder’s score shows you an overall look at the company by taking into account scores from each of these agencies as well as the coverage and discounts each company offers.
Provider
BBB Rating
JD Power Rating
NAIC complaint ratio
National market share %
Finder score
Go to site
State Farm
A+
847/1000
1.93
16.2

★★★★★ 4/5

Read review

Geico
A+
832/1000
1.42
13.6

★★★★★ 4/5

Read review

Progressive
A+
830/1000
1.05
13.3

★★★★★ 4/5

Get Quotes
Allstate
A+
827/1000
2.71
10.4

★★★★★ 4/5

Get Quotes
USAA
A+
884/1000
1.9
6.3

★★★★★ 4/5

Get Quotes
Farmers
A-
820/1000
1.64
4.9

★★★★★ 4/5

Read review

Liberty Mutual
A+
827/1000
2.2
4.7

★★★★★ 4/5

Get Quotes
Nationwide
A+
814/1000
2.08
2.3

★★★★★ 4/5

Read review

American Family
A+
815/1000
1.35
2.1

★★★★★ 4/5

Read review

Travelers
A+
820/1000
3.28
2

★★★★★ 4/5

Read review

Cheapest car insurance in Iowa

CompanyAverage annual rateLearn more
Grinnell$227Read review
Western National$229Read review
IMT$282Read review
Pekin$431Read review
Donegal$451Read review
Allstate$477Get a quote Read review
Metromile$491Get a quote Read review
State Farm$574
Progressive$589Get a quote Read review
USAA$603Get a quote Read review

Which city has the cheapest car insurance in Iowa?

Of Iowa’s largest cities, Marion has the cheapest rates and Dubuque has the most expensive car insurance rates. Dubuque drivers could face rates 2 times more than Marion drivers.

Car insurance quotes in Cedar Rapids

CompanyAnnual car insurance rate
Allstate$1165
American Family$1235
Metromile$1037
Progressive$1226
Geico$1835

Car insurance quotes in Dubuque

CompanyAnnual car insurance rate
Allstate$1177
American Family$1245
Metromile$1133
Progressive$1366
Geico$1850

Car insurance quotes in Marion

CompanyAnnual car insurance rate
Allstate$1161
American Family$1230
Metromile$1037
Progressive$1198
Geico$1835

Car insurance quotes in Bettendorf

CompanyAnnual car insurance rate
Allstate$1282
American Family$1207
Metromile$1242
Progressive$1342
Geico$1677

Car insurance quotes in Urbandale

CompanyAnnual car insurance rate
Allstate$1298
American Family$1213
Metromile$1146
Progressive$1297
Geico$1639

Compare car insurance providers in Iowa

Name Product Gap insurance Homeowner discount Telematics Has an app?
Allstate
Yes
Yes
Drivewise
Yes
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

Speak to an agent: 877-526-1527

Progressive
loan/lease coverage
Yes
Snapshot
Yes
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Yes
Depends on provider
No
No
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Yes
Yes
No
No
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Root
No
Yes
Telematics only
Yes
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Branch
Yes
No
Yes
Yes
Benefit from this online-based startup’s steep savings and convenient online quotes and claims.
USAA
No
Yes
SafePilot
Yes
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Metromile
No
No
Telematics only
Yes
Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
Liberty Mutual
Yes
Yes
RightTrack
Yes
Earn free accident forgiveness after five years claims-free and customize your policy anytime.

Speak to an agent: 877-336-0538

Nationwide
Yes
No
Yes
Yes
Nationwide is among the nation’s top ten car insurance providers, offering the full range of service and a promise to be “on your side” with stellar service.
Savvy
Yes
Depends on provider
No
Yes
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
AAA
Yes
Yes
No
Yes
Member benefits extend beyond car insurance to offer discounts, bike coverage and more. For drivers in AK, AZ, CA, MT, NV, UT and WY.
Elephant
loan/lease coverage
Yes
No
No
Get a great deal online with steep discounts and some of the highest liability limits available.
State Farm
No
Yes
Drive Safe and Save
Yes
Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value.

Speak to an agent: 877-745-0232

Allied
Yes
Yes
Nationwide SmartRide
No
Finding the right auto insurance doesn’t have to be confusing. Allied Insurance has a network of independent agents to help you get customized coverage for your unique needs.
Assurance
Yes
Yes
No
Yes
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
loading

Compare up to 4 providers

In Iowa, the driver at fault pays for damage

Iowa is an at-fault state, which means that the driver who causes the car accident pays for the damage. Your insurance company and legal authorities will determine who’s at fault, based on the accident details.

However, Iowa also considers whether both drivers are partially at fault under its modified comparative fault law, according to the legal website Nolo. Under this law, both drivers are assigned a share of fault. Drivers who are less than 50% at fault can get paid for damage caused by other drivers.

For example, if you’re 80% at fault for an accident, your insurance will pay 80% of the other driver’s damages. However, since you’re over 50% at fault, the other driver isn’t required to pay for your damages.

Bottom line

You don’t legally need any car insurance to drive in Iowa. However, if you’re ever in an accident, insurance can help protect your financial future. It’s usually better in multiple ways to have the backing of an insurance provider than to try and handle all the costs on your own after an accident.

To learn more about coverage, from rules and regulations to getting the best policies and rates, visit our comprehensive guide to car insurance.

Frequently asked questions about car insurance in Iowa

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site