Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Compare car insurance in Iowa

Get the cheapest car insurance in Iowa for 2021


Fact checked
Iowa university
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.


Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost


Days to update your license

No-fault state

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

Auto insurance providers for drivers in Iowa

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
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.
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus freebies and AARP member perks like free replacement cost coverage. Only for drivers over age 50.
Available in 30 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Liberty Mutual
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.

Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
State Farm$386,43321.0%
Farm Bureau$124,6346.8%
American Family$117,8246.4%
Grinnell Mutual$89,1204.9%
IMT Mutual$61,4533.3%
Auto-Owners Insurance Co.$45,4412.5%

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
Western National$229
Allstate$477Get a quote
Metromile$491Get a quote Read review
State Farm$574Get a quote
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
American Family$1235

Car insurance quotes in Dubuque

CompanyAnnual car insurance rate
American Family$1245

Car insurance quotes in Marion

CompanyAnnual car insurance rate
American Family$1230

Car insurance quotes in Bettendorf

CompanyAnnual car insurance rate
American Family$1207

Car insurance quotes in Urbandale

CompanyAnnual car insurance rate
American Family$1213

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.

Get the cheapest quotes

Compare car insurance companies near you.

Your information is secure.

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

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • 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 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 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