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Compare Best Cheap Car Insurance Quotes in Iowa, 2023

Iowa drivers save as much as $636/year when switching with Jerry. Compare quotes from top insurance companies including Progressive, Allstate, and AAA for free today!
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
The average cost of basic liability car insurance in Iowa is $2,975 per year. Opting for full-coverage car insurance in Iowa will leave you with an average cost of $1,676 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.

Compare best car insurance quotes in Iowa

Your car insurance rate depends on a wide range of factors, from your ZIP code and age to your marital status, gender, and credit history. With so many variables in the equation, finding the best rates can get complicated—fast!
With Jerry, it’s different. Here are some real quotes and savings from customers in Iowa who switched with Jerry:
Quote DateCar
Before Jerry
After Jerry
CityNameAgeInsurance Company
March 11, 2023Dodge Charger R/T$302/mo.$185/mo.WaukeeJimmy N.22Progressive
March 9, 2023Chevrolet Cruze LT$225/mo.$128/mo.TiffinDaisy F.22Progressive
March 8, 2023Nissan Pathfinder S$180/mo.$93/mo.Iowa CityBruce B.43Progressive
March 3, 2023Honda Accord EXL$107/mo.$103/mo.Des MoinesFrancis W.39Progressive
February 27, 2023Acura MDX$164/mo.$104/mo.Des MoinesEdith C.31Progressive

Best car insurance companies in Iowa

USAA, IMT Insurance, and Allstate offer some of the best average car insurance rates in Iowa.
But those aren’t the only companies with good rates. Depending on your driver profile, you might find your best rate is with State Farm, GEICO, or Progressive. Every auto insurance company uses a slightly different methodology to calculate premiums, so the only way to find the best provider for you is to compare quotes.
Let’s say you have a policy with State Farm since that’s the company your parents used—but your parents were homeowners with good credit, and you’ve got poor credit due to student loans. Depending on how each company analyzes your profile, you might find a lower rate with a company like Progressive or Nationwide—and your friend with a dad in the Navy might find she gets the best rate from USAA!
Insurance Company
Average Cost
Annual Savings with Jerry
State Auto$2,137$650
Compare Prices

Iowa car insurance FAQs

Generally, insurance is on the lower side in Iowa so $200 could be on the higher end, however, your actual rates will depend largely on factors like your location, your vehicle, your driving habits, and your driving history. 
That means if you live in a big city like Des Moines and own a luxury vehicle and/ or have a driving violation, $200 (or more) could be a very reasonable rate.
In general, drivers below 25 tend to pay more for car insurance, so your premiums may drop once you turn 25. However, what you pay for insurance depends on a variety of factors (like driving violations, zip code, and your type of vehicle) in addition to age, so it’s no guarantee!
Some car insurance providers will offer paid-in-full discounts for customers who choose to pay their 6-month premiums in a lump sum rather than in month-to-month installments. 
If you’re wondering if you are eligible for this discount, contact your insurance provider.
Your car insurance provider may offer a discount for paying your premium in full. Paying annually, instead of in monthly installments, could save you as much as 20% on your car insurance premium.

How much does car insurance cost in Iowa?

Iowa’s car insurance rates are lower than most of the country’s. Why? Low population density and short commutes make insurance more affordable in the Hawkeye State, but harsh weather conditions and uninsured motorists contribute to higher rates in some areas.
In Cedar Rapids, for instance, the threat of flooding could raise your rate—especially if you carry comprehensive coverage (more on that in a minute). If you live in an area with a lot of heavy traffic or property crime, your premium could be higher to account for the heightened risk of accidents, vandalism, or auto theft.
Here's a rundown of the need-to-knows in Iowa.

Iowa car insurance requirements

Most states have minimum insurance requirements that you must meet to prove financial responsibility before you hit the road.
Iowa requires $20,000 per person for bodily injury liability, $40,000 of bodily injury liability per accident, and $15,000 of property damage liability per accident.
If you get pulled over, you are required to show your driver’s license, proof of insurance, and registration. Thankfully, digital insurance ID cards are accepted by police and the DMV so you will always have your stored proof of insurance available 24/7 in the Jerry app.
No, Iowa is an at-fault state. This means the at-fault driver’s insurance will pay for the not-at-fault driver’s and passengers' injuries, once the at-fault driver’s insurance company accepts liability and confirms that there is enough coverage.
The hard truth is that minimum coverage will rarely give you enough protection. After all, liability insurance only pays for other drivers’ repairs and medical bills if you’re in an at-fault accident. That’s why experts recommend adding collision and comprehensive insurance to your liability coverage for what’s known as a full-coverage policy.
You’ll pay more for full coverage, but only full coverage can cover damage to your vehicle from a range of events, from car accidents and vandalism to theft or severe weather.
Take a look at the graph below to see what you're paying for each.

Best car insurance for drivers in Iowa with violations

A driving violation like a DUI or speeding ticket can have a serious negative impact on your annual premium. Even if you’re a safe driver now, a violation on your record could affect the cost of your car insurance policy for years to come.
Because you have a record of past infractions, insurance companies will consider you a high-risk driver and charge more for your premiums accordingly.
It’s still possible to find major savings with Jerry. Here's a sample of the savings Jerry users have found:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$1,808$578
Careless Driving$2,714$928
Speeding over 15$2,168$890
Improper Passing$2,569$811
Failure to Obey Traffic Sign$2,394$753
Driving on Sus. License$2,059$735
Speeding under 15$2,111$678
Leaving scene of an Accident/Hit and Run$2,157$609
Insurance Cost With a DUI in Iowa
Insurance Cost With a Reckless Driving Citation in Iowa
If you have a reckless driving citation, you should expect your insurance to increase to an average of $60.25 per month.
Read More

Cost to insure your car in Iowa by age

Statistics make age one of the most important factors that determines the rate you pay for your auto insurance policy.
If you’re under 25 years old, auto insurance companies will see your lack of experience behind the wheel as a major risk factor and assign you a higher premium.
How can young drivers save money on car insurance in Iowa?

Cost to insure your car in Iowa by city

Iowa car insurance premiums are typically below the national average, but you might pay a higher rate depending on your ZIP code.
Iowa City insurance costs are among the lowest in the state, but a larger population and a higher rate of traffic accidents make Des Moines insurance costs considerably higher.
Use the table below to see the kind of car insurance quotes Jerry users near you were able to find.
Average Cost
Annual Savings with Jerry
Cedar Rapids$1,778$593
Council Bluffs$1,863$821
Des Moines$1,905$680
Fort Dodge$2,428$946
Sioux City$1,969$635
West Des Moines$2,265$728
Least Expensive Cities in Iowa
With average annual rates of only $466, Ames has the cheapest premiums in Iowa.
City with Highest Rates of Accidents in Iowa
12.94% of drivers in Cedar Rapids have a prior accident on their record. Between a higher population and high accident rates, drivers in Cedar Rapids can expect higher premiums.
Read More
Cities with the Longest Commute Times in Iowa
With an average commute time of 27.4 minutes, Ogden has the longest commute in Iowa. Drivers in Ogden can expect higher-than-average rates.

Cost to insure your car in Iowa

What you drive also has an impact on your insurance premiums. For instance, Toyota Camry insurance costs are typically quite low due to the car’s high safety ratings, low value, and widespread popularity. All of these factors make accidents—and costly repairs associated with them—less likely.
If you drive a luxury car, a truck or SUV with a large engine, or any car with a reputation for more aggressive driving, you’re likely to pay a higher average premium. BMW 328i insurance costs tend to be quite high because the car itself is worth more than the average sedan and is marketed as a sporty, “fun-to-drive” car, which raises the risk of speeding tickets and accidents.
Check out the table below to see how your vehicle could be affecting your insurance costs in Iowa.
Average Cost
Annual Savings with Jerry
Dodge Grand Caravan SXT$2,577$972
Kia Sorento Base$1,914$778
Chrysler 200 Limited$2,999$740
Chevrolet Cruze LT$1,890$672
Honda Accord LX$1,640$470
Most Popular Car in Iowa
The most popular vehicle in Iowa is the Ford F-150. F-150 drivers pay an average of $1,180 a year in car insurance. Drivers can save on their premium by using Jerry to find affordable quotes.
Read More

Do you need more than the minimum car insurance in Iowa?

Most states have minimum insurance requirements that you must meet to hit the road. But liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident.
While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run).
Full-coverage car insurance policies generally include:
Purchasing more than the minimum required insurance is usually a good idea. While liability coverage protects others if you’re involved in an at-fault accident, it won’t protect your vehicle.
Below are some factors of Iowa life that make buying additional coverage worth it.
Minimum liability won’t pay for damages to your own vehicle if you’re at fault, so make sure you have collision coverage in case you get caught in a collision of your own mistake (hey, no judgment!).
6,235 vehicles were stolen in Iowa in 2020. In order to be insured from property theft, you need comprehensive coverage—which will also protect from other non-collision damages, such as hail or vandalism.
Since 11.30% of drivers in Iowa don’t carry insurance, it’s advised that Iowa drivers get uninsured/underinsured motorist coverage to help payout in case you’re in an accident with an uninsured driver.
Iowa is full of rural areas, and you don’t want to be caught stranded without roadside assistance and far away from civilization. Make sure you’re protected in case you need towing, a new tire, and more.

How to save money on car insurance in Iowa

While Iowa’s car insurance premiums are lower than the national average, there are still ways to lower your insurance costs.

Compare quotes from multiple providers

Comparison shopping is one of the best ways to save on auto insurance. Try to get quotes from at least three different insurers to make sure you're getting the best rate for the coverage you need.

Check for discounts

You might be eligible for a discounted rate on your insurance premium—but because most insurance companies don’t advertise all of their discounts, you might not even know it! Call up your insurance agent and ask about discounts you might qualify for.
Here are some popular discounts in Iowa:
Clean Driving Record Discounts
Clean drivers are eligible for discounted insurance for their spotless records. Insurance companies are willing to give sizable discounts if they believe someone is less likely to file a claim.
Bundling Discounts
Drivers who bundle their home and auto insurance are eligible for bundling discounts.
Paperless Billing Discounts
Customers who switch to paperless billing are all but guaranteed an easy, small discount. This is because people who pay with paperless billing and use automatic payments are less likely to default on their premium.

Increase your deductible

If you carry collision or comprehensive insurance, you can lower your monthly auto insurance costs by choosing a higher deductible.
Your comprehensive or collision deductible is the amount you agree to pay on a claim before insurance kicks in. By agreeing to a higher out-of-pocket cost, you could get a lower premium—but beware! It’s never a good idea to set your deductible higher than what you could realistically pay in a lump sum.

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