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.
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:
Additional coverages you might want to consider when shopping for car insurance in Iowa
Coverage to consider
Around 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.
Severe 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:
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:
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.
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:
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.
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.