Cheapest Insurance in Iowa 2021

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  • Minimum coverage
  • Additional coverage
  • Minimum coverage carriers
  • Full coverage
  • Full coverage carriers
  • Cost by age
  • Poor driving record insurance
  • Carriers for poor driving record
  • Young drivers poor driving record insurance
  • Young drivers carriers for poor driving record
  • Discounts
  • Cost by car make
  • Cost by city
  • Lower costs
  • Methodology
Thanks to low minimum insurance requirements and a fairly rural population, Iowa falls below the national average when it comes to car insurance. But if you’re looking for the cheapest rate, you’ll still want to compare providers.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Iowa. And if you want to learn more about car insurance rates in Iowa, keep reading.
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Here’s how much real Jerry customers saved in (state name) when they compared and switched.
Quote DateMake/modelcityAgeCarrierCoverage Type
Before Jerry
After Jerry
June 1, 2021Chrysler 300 Touring
West Des Moines
20AllstatePredicted$136/mo.$71/mo.
September 15, 2020Honda Civic LX
Muscatine
27State AutoPredicted$217/mo.$103/mo.
October 16, 2020Lexus IS 300
Van Meter
28Bristol WestBasic$167/mo.$132/mo.
August 6, 2021Pontiac Grand Prix
Sioux City
20ProgressivePredicted$200/mo.$139/mo.
June 14, 2021Chevrolet Silverado K2500 Heavy Duty
Camanche
21DairylandCustom$301/mo.$173/mo.
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in Iowa.

Cheapest minimum coverage car insurance in Iowa

The minimum required insurance coverage varies depending on your state laws. In Iowa, drivers must have the following:
  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $15,000 property damage liability per accident
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Iowa:
Before Jerry
After Jerry
$1,944$1,382
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Additional coverages you might want to consider when shopping for car insurance in Iowa

Risk factorCoverage to consider
Uninsured motoristsAround 12% of Iowa drivers do not meet even the minimum car insurance requirements. Uninsured motorist protection covers you in case you’re in an accident with a driver who is uninsured.
TornadoesSevere weather can wreak havoc on your vehicle. Comprehensive insurance covers damages that do not occur as the result of a collision—such as from a tornado, other serious weather events, or even vandalism.
Minimum coverage is all you need to drive in Iowa, but securing additional coverage to better protect you in the event of an incident is a good idea.

Best carriers for minimum coverage car insurance in Iowa

If you’re caught driving without insurance in Iowa, you’ll face a mandatory fine of $250 and may even lose your license and registration for up to a year.
Comparing rates with different insurance companies can help you find the most affordable rates so that you don’t have to go without.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Iowa:
Insurance Company
Before Jerry
After Jerry
Progressive$1,941$1,363
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Cheapest full coverage car insurance in Iowa

Securing more than just the minimum required coverage is usually a good idea. It provides peace of mind and better protects you financially.
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Before Jerry
After Jerry
$2,560$1,993

Best carriers for full coverage car insurance in Iowa

If you’re looking for the best insurance company for your full coverage car insurance, your best bet is to compare multiple quotes.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Iowa:
Insurance Company
Before Jerry
After Jerry
Kemper$1,800$963
Nationwide$1,968$1,584
Safeco$3,024$2,802
Progressive$3,348$2,836
Full coverage insurance may cost more upfront, but it offers greater financial protection and can save you a lot in the long run.
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Cost to insure your car in Iowa by age

Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
A 2019 study found that Iowa is one of the top five most dangerous states for young drivers between the ages of 15 and 20. Young drivers only account for about 8% of the population in the state, but 17% of traffic fatalities.
Added risk is why insurers charge higher premiums to young drivers.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Age Group
Before Jerry
After Jerry
18-20$2,166$1,484
21-24$2,687$1,737
25-34$2,201$1,365
35-44$2,347$1,323
45-54$1,458$1,035
55-64$1,698$1,104
65+$1,800$904

Cost of insurance for drivers in Iowa with a bad driving record

Serious violations can remain on your driving record for up to 10 years. When insurers pull your history, you’ll be noted as a high-risk driver and charged higher premiums to compensate for that added risk.
The good news is that Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,123$1,346
Illegal Turn$1,827$1,380
DUI$2,286$1,567
Careless Driving$2,209$1,619
Driving on Sus. License$2,215$1,689
Speeding under 15$2,108$1,694
Failure to Obey Traffic Sign$2,362$1,774
Improper Passing$2,835$2,310
Leaving scene of an Accident/Hit and Run$2,580$2,532
Other$2,099$1,618

Best carriers for drivers with infractions in Iowa

Insurance Company
Before Jerry
After Jerry
State Auto$1,656$1,376
Travelers$1,864$1,381
Nationwide$1,698$1,437
Allstate$2,623$1,592
Progressive$2,229$1,665
Safeco$2,858$2,329
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Cost of insurance for young drivers in Iowa with a bad driving record

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
This is because insurance companies must take on added risk to insure you. The more likely they are to have to pay out for a claim, the more they charge for your insurance premium.
Thankfully, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,329$1,510
Illegal Turn$2,409$1,600
Speeding under 15$2,730$2,121
Driving on Sus. License$2,481$2,136
Failure to Obey Traffic Sign$2,933$2,252
Careless Driving$3,068$2,261
DUI$3,485$2,306
Other$2,336$1,799
If you’re looking for the most affordable insurance for a young driver with a not-so-great driving record in Iowa, check out these top carriers.

Best carriers for young drivers with infractions in Iowa

Insurance Company
Before Jerry
After Jerry
State Auto$1,740$1,485
Allstate$2,300$1,524
Progressive$2,708$2,025
Nationwide$2,271$2,071
Safeco$3,333$2,778
Young drivers are already deemed higher risk by insurers, and a moving violation only adds to this. Comparing rates from various providers can help find the most affordable premiums.
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Types of discounts that might be available to you in Iowa

Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Iowa.
Here are some to keep an eye out for:
  • Customer loyalty (e.g., bundling, early renewal)
  • Demographic (e.g., good student, senior)
  • Driver affiliations (e.g., military, affinity)
  • Driving history (e.g., accident-free, safe driver)
  • Driver training (e.g., defensive driver course)
  • Equipment-related (e.g., anti-theft, new car)
  • Payment (e.g., auto-pay, paperless)
Discount typeWho is eligible?
Accident-free discountMaintaining an accident-free record for at last three years can save you hundreds on your premium. And the longer you maintain that status, the more you typically save.
Good student discountFull-time students who are below the age of 25 may be eligible for a discount if they maintain an average of at least a B.
Multi-line discountIf you insure multiple products with the same company, they’ll often offer you a discounted rate for each policy—usually up to 12%.
zigBilling discount
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium, but you may need to ask your insurance company which ones you qualify for.

How much does it cost to insure my car make in Iowa?

Pickup trucks are pretty popular in Iowa, though some are more affordable than others when it comes to purchasing car insurance.
Generally speaking, relatively inexpensive vehicles are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Make / model
Before Jerry
After Jerry
Buick Lacrosse$3,444$1,536
Chevrolet Cruze LT$2,160$576
Chrysler Sebring Lxi$996$600
Dodge Dakota Quad Laramie$1,452$840
Ford Edge SE$1,800$972

Cheapest car insurance in Iowa by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Iowa benefits from having a fairly rural population, which means fewer busy traffic centers and a lower risk of accidents.
But the state gets hit (sometimes pretty hard) by tornadoes and severe storms, which puts a greater risk on insurers who must pay out to cover damages. It’s also a high-risk state for young drivers, which may affect rates in certain areas.
That said, rates vary within the state depending on a number of local factors. Here are the top 10 cheapest cities for car insurance in Iowa:
City
Before Jerry
After Jerry
Cedar Rapids
$2,383$1,579
Des Moines
$2,065$1,518
Davenport
$2,227$1,427
Council Bluffs
$2,431$1,547
West Des Moines
$2,132$1,405
Ames
$1,482$1,311
Iowa City
$1,298$1,053
Marion
$2,220$1,518
Waterloo
$1,883$1,268
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Additional ways to lower your car insurance

To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.

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