Car insurance in Iowa

How to get cheap car insurance in Iowa

Last updated:

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Moving from state-to-state? One of the more confusing dilemmas you may face is your car insurance policy. Each state has its own insurance minimums and regulations, and you’ll need to know about the laws where you’re looking to move.Iowa does not require you to purchase car insurance. However, if you get into an accident you’ll need to provide proof of financial responsibility. One of the easiest ways to do this is by simply purchasing car insurance.

Iowa

Car insurance quick facts

20/40/15

Minimum liability requirements

$1,100

Average annual car insurance cost

60

Days to update your license

No-fault state

In no fault states, each driver pays for their own damages in an accident.

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting

Auto insurance providers for drivers in Iowa

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Geico
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Liberty Mutual
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Gabi
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

Compare up to 4 providers

Average cost of car insurance in Iowa

Iowa tends to be one of the 10 cheapest states in the country for car insurance, with average annual costs between $1,000 and $1,100. If you’re a driver over 25 with no serious black marks on your record, you can probably expect to pay something in that ballpark.

Cheapest car insurance in Iowa

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

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

Car insurance requirements in Iowa

You don’t need to purchase car insurance to legally drive in Iowa. However, if you’re looking for car insurance that will also serve as proof of financial responsibility, your policy will need to include:

  • $20,000 in bodily injury coverage, per person.
  • $40,000 in bodily injury coverage, per accident.
  • $15,000 in property damage, per accident.

Sometimes you’ll see this written as 20/40/15 when shopping for car insurance.

Some states require that you also buy uninsured/underinsured motorist coverage (UM/UIM), which protects them in case they get into an accident with someone without proper insurance coverage. Iowa is not one of these states.

Does Iowa require SR-22 insurance?

Yes, it does. You might need an SR-22 in Iowa if you’ve gotten a DUI, lost your license or have too many violation points on your driving record. SR-22 tells the state you have the minimum coverage required to get back behind the wheel.

Most popular Iowa auto insurance companies list

CompanyDirect premiums written (billions)Market share
State Farm$386,43321.0%
Progressive$323,46317.6%
Nationwide$168,2769.2%
Farm Bureau$124,6346.8%
American Family$117,8246.4%
Grinnell Mutual$89,1204.9%
Geico$68,6643.7%
IMT Mutual$61,4533.3%
Allstate$60,2563.3%
Auto-Owners Insurance Co.$45,4412.5%

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.

Get the cheapest quotes

Compare car insurance companies near you.

Your information is secure.

Frequently asked questions about car insurance in Iowa

Which car insurance provider is best for me?

Looking to save on car insurance? Answer these three questions to find a provider that best fits your needs and budget.

Question 1 of 2

Based on your answers, check out:

Compare more car insurance companies

Was this content helpful to you? No  Yes

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 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