Cheapest Auto Insurance in Iowa (2025)
State Farm offers the cheapest liability rates in Iowa, at $24 per month.
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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.[?] The average cost of liability-only insurance in Iowa is $53 per month, according to Insurify data, which is lower than the national average of $100 per month.
Learn what factors affect your costs and where to find cheap car insurance in Iowa.
Quick Facts
State Farm, Auto-Owners, and USAA offer the cheapest liability rates in Iowa.
Iowa drivers pay an average of $1,192 per year for full-coverage car insurance.
The Insurance Information Institute found that 10% of Iowa drivers are uninsured.[?]
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.
Find Affordable Car Insurance in Iowa
Liability rates average $53 per month
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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 $53 per month in Iowa.
The table below shows average monthly rates offered by many of the state’s top companies.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company  | Average Monthly Quote |
|---|---|
| State Farm | $24 |
| Auto-Owners | $38 |
| USAA | $41 |
| GEICO | $44 |
| American Family | $47 |
| Allstate | $50 |
| Safeco | $50 |
| National General | $51 |
| Bristol West | $53 |
| Farmers | $57 |
| Root | $59 |
| Direct Auto | $62 |
| Dairyland | $63 |
| The General | $68 |
| Liberty Mutual | $71 |
| Nationwide | $77 |
| Travelers | $77 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $99 per month for full coverage.
In the table below, you can see the top insurance companies offering cheap full-coverage car insurance in Iowa.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $43 |
| Auto-Owners | $69 |
| USAA | $74 |
| GEICO | $80 |
| American Family | $86 |
| Allstate | $91 |
| Safeco | $97 |
| National General | $100 |
| Farmers | $104 |
| Root | $106 |
| Direct Auto | $110 |
| Liberty Mutual | $120 |
| Nationwide | $139 |
| Travelers | $139 |
| Bristol West | $154 |
| The General | $168 |
| Dairyland | $192 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Your car insurance rates will change over time with age. Teen drivers are expensive to insure, as they’re more likely to engage in risky behaviors like speeding or texting behind the wheel.
Car insurance rates begin to decrease at age 35 and continue to drop well into retirement age. Senior drivers are generally eligible for lower rates because they have ample driving experience, a long driving history, and typically drive less. At around age 70, though, premiums start to increase because older drivers are at a higher risk of having a car accident.
Age GroupAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageTeen drivers $120 $225 Adult drivers $54 $101 Senior drivers $43 $81 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.[?]
The table below shows the minimum requirements you must meet to drive legally in Iowa:[?]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $20,000 per person / $40,000 per accident |
| Property damage liability | $15,000 |
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 $53 for liability insurance. That jumps to $78 per month for drivers with a DUI.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | With Speeding Ticket | With At-Fault Accident | With DUI/DWI |
|---|---|---|---|
| State Farm | $31 | $32 | $35 |
| Auto-Owners | $50 | $51 | $56 |
| USAA | $54 | $56 | $60 |
| GEICO | $59 | $58 | $63 |
| American Family | $62 | $64 | $69 |
| National General | $65 | $69 | $75 |
| Allstate | $66 | $68 | $74 |
| Safeco | $67 | $72 | $78 |
| Bristol West | $68 | $71 | $78 |
| Farmers | $74 | $77 | $84 |
| Direct Auto | $80 | $86 | $91 |
| Root | $80 | $79 | $86 |
| Dairyland | $80 | $85 | $93 |
| Liberty Mutual | $92 | $97 | $105 |
| The General | $92 | $96 | $100 |
| Nationwide | $101 | $105 | $114 |
| Travelers | $101 | $105 | $114 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Affordable Quotes in Iowa
Rates start as low as $29 for drivers with an incident
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Where you live in Iowa affects your car insurance rates. Location is related to risk factors like accident frequency, road congestion, and vehicle vandalism and theft rates. Check out liability and full-coverage rates for various Iowa cities in the table below.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.Data reviewed by Konstantin Halachev7+ years experience in data analysis
Ph.D. in Computational Biology
CityAverage Quote: Liability OnlyAverage Quote: Full CoverageDavenport $61 $107 Cedar Rapids $62 $107 Sioux City $63 $113 Council Bluffs $64 $118 Des Moines $68 $113 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Iowa car insurance FAQs
If you still have questions about car insurance in Iowa, this additional information may help as you research your coverage options.
On average, car insurance in Iowa costs $53 per month for liability-only coverage and $99 per month for full coverage.
State Farm, Auto-Owners, and USAA offer the cheapest liability rates in Iowa, at $24, $38, and $41 per month, respectively.
But these companies might not be the cheapest for you. Comparing quotes is the best way to find the cheapest insurance for your coverage needs.
Insurify identified Auto-Owners, USAA, and GEICO as some of the best insurance companies in Iowa. These companies offer drivers plenty of discounts, coverage options, and have high Insurify Quality Scores of 8.2, 9.1, and 9.2, respectively.
Iowa requires drivers to have a minimum amount of liability insurance including $20,000 per person and $40,000 per accident in bodily injury liability, and $15,000 of property damage liability coverage.
No. Iowa is an at-fault, or tort, state. This means that in an at-fault accident, your insurer is responsible for paying any costs related to the other driver’s injuries and vehicle damage.
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