Best Car Insurance in Iowa (2025)

GEICO, Allstate, and American Family are among the top insurers for Iowa drivers.

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The factors you prioritize when shopping for car insurance might differ from what your neighbor values. Each driver has varying priorities, so finding the right car insurance policy for your coverage needs can be difficult. Many companies offer quality coverage in Iowa for drivers looking for a new car insurance policy. Narrowing down your options is key.

Insurify analyzed 50 car insurance companies in Iowa to help you find the best policy for your needs. Here’s what you should know about the best car insurance options in Iowa.

Best car insurance companies in Iowa

The best way to find an affordable auto policy that meets your coverage needs is to compare quotes and coverage options from multiple car insurance companies. The following insurers are Insurify’s top picks for the best car insurance companies in Iowa.

GEICO: Best overall

Allstate: Best for customer satisfaction

American Family: Best for discounts

Auto-Owners: Best for low rates

USAA: Best for veterans and military members

  • Our editorial team analyzed regional and national auto insurance companies that sell policies in Iowa to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.

How to get the best car insurance in Iowa

Remember that the best car insurance for you might not be the best for your Iowa neighbor. That’s why shopping around for a policy is so important. It’ll help you identify the best coverage based on your unique needs and budget.

The following tips can help you start your search for a new auto policy.

Average cost of car insurance in Iowa

Iowa drivers pay significantly less than the national average for car insurance coverage. On average, Iowa drivers pay $107 per month for a full-coverage car insurance policy, compared to the national average of $182. Liability insurance costs an average of $54 for Iowa drivers, compared to the national average of $103 per month.

While most U.S. states have seen car insurance rates increase in recent years, Iowa drivers benefited from a 5% decrease in premiums from 2023 to 2024. Unfortunately, Insurify projects a slight premium increase of 4% for Iowa drivers in 2025.

Best car insurance in Iowa FAQs

If you’re still trying to find good car insurance in Iowa for your coverage needs, the following information can help answer your questions.

  • How much is car insurance in Iowa?

    The overall cost of car insurance in Iowa is $80 per month. By coverage level, the average cost of car insurance is $107 per month for full coverage and $54 for liability-only coverage.

    How much you pay for coverage will depend on factors like your driving history, age, car insurance company, coverage level, ZIP code, and more.

  • What are the best car insurance companies in Iowa?

    Allstate, American Family, Auto-Owners, GEICO, and USAA are among the top car insurance companies in Iowa. These companies offer ample discounts, good customer support, and financial stability, which means they can pay out policyholder claims.

    The best car insurance company for you will vary based on your unique situation, including demographics like location and driver age.

  • What is the required auto insurance coverage amount in Iowa?

    The state of Iowa requires drivers to buy minimum coverage that includes $20,000 per person in bodily injury liability, $40,000 per accident in bodily injury liability, and $15,000 in property damage liability.3 You may want to purchase more coverage — especially if you drive a newer car or have a long commute. Purchasing more coverage will increase your average rate.

Jess Ullrich
Jess UllrichInsurance Writer

Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.

Jess has been a contributor at Insurify since September 2022.