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Compare car insurance in Iowa

Get the cheapest car insurance in Iowa for 2020

Updated

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.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

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
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Gabi
Optional
Optional
55%
All 50 states
Upload your current policy info and get quotes from 20+ companies who could get you a better rate.
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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

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

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

Car insurance quotes in Dubuque

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

Car insurance quotes in Marion

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

Car insurance quotes in Bettendorf

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

Car insurance quotes in Urbandale

Company Annual 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.

Company Direct premiums written (billions) Market share
State Farm $386,433 21.0%
Progressive $323,463 17.6%
Nationwide $168,276 9.2%
Farm Bureau $124,634 6.8%
American Family $117,824 6.4%
Grinnell Mutual $89,120 4.9%
Geico $68,664 3.7%
IMT Mutual $61,453 3.3%
Allstate $60,256 3.3%
Auto-Owners Insurance Co. $45,441 2.5%

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.

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Frequently asked questions about car insurance in Iowa

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