Car Insurance in Iowa

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Because of its country roads, low population density, and relatively short commute times, Iowa residents have some of the lowest car insurance rates in the country. However, drivers in Iowa can still find cheaper car insurance prices by shopping with Jerry.
Iowa may be largely rural, but it has thriving cultural scenes in its cities. Iowa residents also enjoy relatively empty roads, despite driving on major interstates that cross the state. However, driving in Iowa can be treacherous due to extreme weather conditions as the state can see both tornadoes and extreme snowfall.
That said, location is just one of the factors car insurance companies consider when setting car insurance premiums. Providers also look at your age, driving history, credit score, and other attributes.
Shopping for car insurance can seem overwhelming, but it’s easy if you shop with Jerry! Jerry is a car super app that will save you time and money when shopping for car insurance. Sign-up takes less than a minute, and Jerry will send quotes from over 50 top insurance providers straight to your phone. The best part? The average Jerry user saves $879 per year on car insurance.
Don’t just take our word for it! These are real quotes and savings from customers in Iowa who switched with Jerry:
Quote DateCarCityAgeCarrier
Before Jerry
After Jerry
June 1, 2021Chrysler 300 TouringWest Des Moines20Allstate$136/mo.$71/mo.
October 14, 2021Dodge Avenger SEAdel26Progressive$128/mo.$76/mo.
March 22, 2021Kia Forte LXBettendorf22Allstate$217/mo.$113/mo.
July 2, 2021Chevrolet Impala LSWest Des Moines22Progressive$300/mo.$171/mo.
April 20, 2021Mercedes-Benz C 300Indianola21Dairyland$227/mo.$199/mo.
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How much does car insurance cost in Iowa?

The average cost of liability-only car insurance in Iowa is $1,792 per year. If you prefer to buy full coverage car insurance in Iowa, you can expect to pay an average cost of $2,192 per year.

How does the cost of car insurance in Iowa compare to the rest of the country?

Compared to nationwide averages, it costs $1,764 per year for liability-only car insurance and $2,486 per year for full-coverage car insurance.
What contributes to Iowa’s car insurance rates? Here are some factors:
  • Low population density: Much of Iowa is rural farmland with small populations, leading to fewer cars on the road
  • Short commutes: Iowa residents have some of the shortest commutes in the country, which means less time on the road
  • Harsh weather: As is true of much of the midwest, Iowa can get extreme weather that can cause property damage
Here’s how Iowa insurance premiums stack up to nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
IA$1,832$1,285$1,263$1,125--
National Average$2,491$1,672$2,359$1,390$2,763$1,962
IANational Average
All Coverage Before Jerry
$1,832$2,491
All Coverage After Jerry
$1,285$1,672
Minimum Coverage Before Jerry
$1,263$2,359
Minimum Coverage After Jerry
$1,125$1,390
Full Coverage Before Jerry
-$2,763
Full Coverage After Jerry
-$1,962
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Top auto insurance providers in Iowa

There are several top brand-name car insurance carriers that serve Iowa drivers. Common providers include Nationwide, Travelers, and State Farm because of their relatively low rates and good customer service.
However, you might find that another provider better meets your needs.
Each provider uses a unique formula to set its premiums, so you’ll see very different quotes from every carrier—even for identical policies. Iowa car insurance providers consider your age, credit score, location, and other factors before setting your rates.
The car you drive also will impact your car insurance premiums. A Toyota Corolla Hybrid is a common car in Iowa, and it’s relatively cheap to insure because of its low MSRP and lower repair costs. Conversely, a pricier car, like a Volvo XC60, will cost more to insure because of its higher base price and pricey repair costs.
Regardless of your background, Jerry can help Iowa drivers find the best rates on car insurance. Here are some of the most affordable prices we have found for our customers in Iowa:
Insurance Company
Average Cost
Annual Savings with Jerry
Dairyland$2,824$925Compare Prices
Allstate$2,194$731Compare Prices
Travelers$1,991$657Compare Prices
Safeco$3,347$595Compare Prices
State Auto$1,704$511Compare Prices
Nationwide$1,737$365Compare Prices
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What car insurance do you need in Iowa?

Drivers need minimum liability insurance before hitting the road in Iowa. This coverage includes the following:
CoverageAmountDescription
Bodily injury liability$20,000 per person / $40,000 per accidentCovers the costs associated with injuries you cause to others
Property damage liability$15,000 per accidentCovers the costs associated with the damage you cause to other people’s vehicles or property
If you are caught driving without insurance, you could face penalties, including:
  • $250 reinstatement fee
  • SR-22 maintenance
While liability insurance protects other drivers if you are in an accident, it doesn’t cover you or your vehicle. It’s smart to carry more than the minimum liability insurance to make sure you’re protected. Iowa drivers should consider the following insurance:
CoverageDescription
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Roadside assistanceCovers the costs associated with a breakdown
Jerry will help you find the most affordable policy regardless of the coverage you choose.
After a quick sign-up, Jerry will find you quotes from top-rated insurance providers. Choose a policy, then Jerry takes care of the hard work for you—including all of the paperwork and phone calls. Jerry will even provide you with quotes each time your policy is up for renewal—so you know you’re always paying the lowest prices.
Now that you know insurance basics, here’s what to know about insurance in Indiana.

How is your cost of car insurance determined in Iowa?

Indiana car insurance carriers take a variety of factors into account when setting your insurance prices, including your age, driving record, location, and more.
What young drivers in Iowa need to know
  • Iowa drivers under the age of 25 are considered high-risk drivers because of their lack of experience and higher accident rates
  • Taking a defensive driving course could help young drivers save money on car insurance
  • By maintaining a B average or higher, young drivers could get a good student discount
To keep car insurance costs as low as possible, young drivers should shop around for quotes and maintain a clean driving record.
Jerry helps drivers under 25 to find the best insurance rates possible. Here are the average rates for drivers in Iowa by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$2,428$735
21-24$2,642$801
25-34$1,953$674
35-44$2,271$913
45-54$1,698$639
55-64$1,829$911
65+$1,800$896
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Cost to insure your car in Indiana with a poor driving record

Your driving record also plays a part in setting your car insurance premiums. If you’ve been in an accident, gotten a speeding ticket, or had a DUI or other major driving infraction, you will pay more for your Iowa car insurance rates. Because you have a record of past infractions, insurance companies will consider you a high-risk driver and charge more for your premiums accordingly.
That doesn’t mean you can’t save some money! Jerry works with drivers with less-than-perfect driving histories to find the lowest rates on car insurance.
Here are the best rates drivers with past offenses have gotten after shopping with Jerry:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,005$630
Leaving scene of an Accident/Hit and Run$3,826$1,082
Driving on Sus. License$3,377$1,000
DUI$2,798$951
Failure to Obey Traffic Sign$2,250$761
Speeding under 15$3,044$701
Improper Passing$3,055$519
Careless Driving$1,491$389
Illegal Turn$996$240
Other$2,177$469
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Cost to insure your car in Iowa based on where you live

Iowa car insurance premiums are relatively affordable, but you may pay a little more depending on your zipcode.
Residents of cities like Sioux City or Council Bluffs may see a bit higher premiums because of their higher populations and greater incidence of traffic accidents. Conversely, drivers who live in Iowa City may see lower-than-average car insurance rates.
No matter where you live, you can find cheap rates in Iowa by shopping with Jerry:
City
Average Cost
Annual Savings with Jerry
Altoona$1,918$495
Bettendorf$2,719$1,056
Camanche$3,450$1,275
Cedar Rapids$2,043$600
Council Bluffs$2,538$1,027
Des Moines$2,413$965
Indianola$2,628$528
Ottumwa$1,999$843
Sioux City$2,324$592
West Des Moines$2,328$760
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Cost to insure your car in Iowa based on the type of car you drive

Your car itself also will make an impact on your insurance premiums. For the most part, cars that cost more upfront will cost more to insure.
Iowa drivers who are behind the wheel of a less expensive sedan, like the popular Toyota Camry will pay less for car insurance because it costs less to repair the vehicle and find replacement parts.
On the other hand, Iowa residents who opt for a luxury vehicle, like a Mercedes-Benz GLC, will pay more in car insurance premiums in part because of the high cost to replace the vehicle if it were to be totaled.
Here are average insurance quotes for some of the most popular cars in Iowa with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Volvo
S80 T6 Elite
$2,040$1,592
Dodge Grand Caravan SXT$3,247$675
Honda Accord LX$1,895$570
Nissan Murano S$1,320$504
Toyota Prius$960$402
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How to save money on car insurance in Iowa

While Iowa’s car insurance premiums are lower than the national average, it doesn’t hurt to try and save even more money.

Shop around for quotes

One of the best ways to save money on car insurance is by comparison shopping.
However, this can take hours if you are searching for rates on your own—especially with mountains of paperwork and hours of phone calls. Fortunately, Jerry makes comparison shopping quick and easy.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. Sign-up takes less than a minute, and Jerry will find you quotes from over 50 top insurance providers. Choose a policy, and Jerry will help with the rest—including helping to cancel your old policy. The best part? The average Jerry user saves $879 on car insurance.
Jerry will keep working for you after you’ve signed up with your new provider, sending you new quotes each time your policy is up for renewal.

Look for discounts

Another great way to save money on car insurance is shopping for discounts. Most providers offer discounts, even if they don’t advertise them. It is a good idea to check with your agent to see what’s available to you.
Here are some popular discounts in Iowa:
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Carriers in Iowa also provide discounts for drivers who are homeowners, married, or affiliated with specific associations.

Increase your deductible

You also can save money by raising your deductible on your car insurance policy. Your deductible is the money you would pay out of pocket in the event of an accident.
However, you may have to pay a big amount if you do need to file a claim, so it may not be worth the monthly savings. It’s important to ensure you can pay full deductible every time you would have to make a claim.

Registering your car in Iowa

To register your car in Indiana, you need the following:
  • A driver’s license or ID card
  • A car title or signed lease agreement
  • Current odometer reading
  • Damage disclosure statement—if required
  • Payment and fees
To avoid long wait times, it’s a good idea to make an appointment before registering your car. You’ll likely have to fill out extra paperwork, including personal and vehicle information, upon registration.
Drivers in Iowa need to renew their vehicle registration every year.

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