Cheapest Auto Insurance in Iowa (2025)

Home to the college town of Iowa City and the capital of Des Moines, Iowa has a significant amount of farmland and a low crime rate, which positively affects its car insurance rates.1 The average cost of liability-only insurance in Iowa is $55 per month, according to Insurify data, which is lower than the national average of $104 per month.

Learn what factors affect your costs and where to find cheap car insurance in Iowa.

3 of the cheapest car insurance companies in Iowa

If you’re in the market for new auto insurance coverage, you have many factors to consider. Here are three of the cheapest options for car insurance in Iowa, and who might benefit the most from each company.

Auto-Owners

USAA

GEICO

How to get the cheapest car insurance in Iowa

Car insurance can be costly, but you can do some things to make it more affordable. In addition to driving safely and maintaining a clean record, the following steps can help you get the cheapest car insurance in Iowa:

• Research discounts. Insurance companies may offer discounts based on your driving, affiliation, or safety features. Review which ones you qualify for and how much you could save.

• Bundle insurance policies. You may get the best deal if you have more than one insurance policy with a company. Adding home insurance or renters insurance could lower your rate.

• Check your credit report. Insurance companies may use your credit history as one of the factors to determine your rates. Drivers with good credit typically pay lower rates than drivers with poor credit. Review your credit report to ensure there are no errors that could be costing you money. If there are, dispute them with the appropriate credit bureau.

• Compare options. Many insurance companies offer coverage to Iowa drivers, so compare several companies and quotes to find the best coverage for you.

Cheapest liability-only car insurance quotes in Iowa: State Farm

Liability-only coverage meets the basic minimum coverage required in Iowa. Liability insurance covers your liability and pays out to cover injuries and damages suffered by the other parties in an accident you cause. But it doesn’t cover any of your damages.

Liability-only coverage costs an average of $55 per month in Iowa.

The table below shows average monthly rates offered by many of the state’s top companies.

Cheapest full-coverage car insurance quotes in Iowa: State Farm

With full-coverage car insurance, you’re typically getting state-required liability insurance, as well as collision and comprehensive coverage. If you’re financing a vehicle or want additional protection, full coverage is likely a good fit for you.

Drivers in Iowa pay an average of $109 per month for full coverage. 

In the table below, you can see the top insurance companies offering cheap full-coverage car insurance in Iowa.

Car insurance requirements in Iowa

Iowa requires drivers to carry at least minimum coverage or liability insurance. Iowa is an at-fault, or tort, state, which means it assigns fault to the driver that caused the incident.3

The table below shows the minimum requirements you must meet to drive legally in Iowa:4

While you’re only required to carry minimum liability car insurance, it can be a good idea to look into additional coverage options depending on your needs. You can consider the following coverages for more financial protection:

Cheapest car insurance in Iowa by driving record

While different factors affect your car insurance premiums, your driving history carries a lot of weight. People with a clean driving record free of incidents qualify for the most competitive rates. High-risk drivers with an incident on their record will likely receive more expensive rates.

Common incidents include speeding tickets, at-fault accidents, and driving under the influence (DUI). 

Iowa drivers with a clean record pay a monthly average of $55 for liability insurance. That jumps to $77 per month for drivers with a DUI.