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Cheap Car Insurance in Iowa (2025)
Updated on:
Content was accurate at the time of publication.
Cheapest car insurance companies in Iowa
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Find the Cheapest Auto Insurance Quotes in Iowa
Iowa’s cheapest full-coverage car insurance: State Farm
State Farm has the cheapest full-coverage car insurance in Iowa, with rates that average $1,050 a year.
Progressive comes in second, though its average rate for full coverage Full-coverage car insurance usually includes both collision and comprehensive coverages, which protect your vehicle from damage and theft. is 38% higher than State Farm at $1,447 a year.
Cheap full-coverage insurance companies
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | State Farm | $1,050 |  |
 | Progressive | $1,447 |  |
 | American Family | $1,595 | |
 | Auto-Owners | $1,657 |  |
 | Farm Bureau | $1,877 | |
 | Geico | $2,059 |  |
 | Nationwide | $2,215 |  |
 | Grinnell Mutual | $2,424 | Not rated |
 | Allstate | $2,788 | |
Progressive offers several car insurance discounts that could make it a lot cheaper, so get quotes from both companies to see which gives you the best rate.
The average cost of full-coverage car insurance in Iowa is $1,901 a year.
Cheap liability car insurance quotes in Iowa: Progressive
Iowa drivers get the cheapest liability insurance from Progressive, where policies cost about $251 a year. State Farm is almost as cheap, with its liability-only rates averaging $256 a year.
Both companies offer many discounts that could make them the cheapest for you. However, you can do more to personalize your policy with Progressive.
The average Iowa driver pays $500 a year for liability car insurance Liability car insurance covers injuries and damage you cause to others. Most states require drivers to buy at least a minimum amount of liability coverage. .
Cheapest companies for liability-only insurance
| Company | Annual rate |
|---|---|
| Progressive | $251 |
| State Farm | $256 |
| American Family | $312 |
| Farm Bureau | $343 |
| Auto-Owners | $383 |
| Grinnell Mutual | $538 |
| Geico | $695 |
| Nationwide | $845 |
| Allstate | $880 |
Find the Cheapest Auto Insurance Quotes in Iowa
Iowa’s cheapest car insurance rates for young drivers: Progressive and State Farm
To find the cheapest car insurance for young drivers in Iowa, get quotes from Progressive and State Farm.
Progressive’s rates average $863 a year for young drivers who only want liability coverage. And though State Farm is a few dollars more ($879 a year), it scores better on customer satisfaction than Progressive does.
State Farm has by far the cheapest full-coverage car insurance for the state’s young drivers at $2,829 a year.
Best auto insurance companies for young drivers
| Company | Liability only | Full coverage |
|---|---|---|
| Progressive | $863 | $3,919 |
| State Farm | $879 | $2,829 |
| Farm Bureau | $951 | $4,093 |
| Grinnell Mutual | $1,294 | $5,448 |
| American Family | $1,330 | $5,946 |
| Geico | $1,354 | $4,142 |
| Auto-Owners | $1,511 | $4,581 |
| Allstate | $2,368 | $5,453 |
| Nationwide | $2,755 | $7,015 |
Compare car insurance quotes from several companies before you buy or renew a policy to save money as a young driver in Iowa.
Best cheap auto insurance in Iowa after a speeding ticket: State Farm
State Farm has the cheapest car insurance in Iowa for drivers with a speeding ticket on their records.
State Farm’s average rate with a ticket is $1,106 a year, which is less than half the state average of $2,314 a year.
The average Iowa driver sees their car insurance go up 22% after a speeding ticket. However, if you have a policy with State Farm, you should only see your rate increase around 5%.
Cheapest insurance rates with a speeding ticket
| Company | Annual rate |
|---|---|
| State Farm | $1,106 |
| Progressive | $1,781 |
| American Family | $2,060 |
| Farm Bureau | $2,296 |
| Grinnell Mutual | $2,424 |
| Geico | $2,431 |
| Nationwide | $2,782 |
| Auto-Owners | $2,879 |
| Allstate | $3,068 |
Cheapest car insurance rates in Iowa after an accident: State Farm
At $1,050 a year, State Farm has Iowa’s cheapest car insurance after an accident. This is less than half of what the average driver in Iowa pays ($2,669 a year) for car insurance after an accident.
An accident raises your car insurance rate by 40% in Iowa, on average.
Cheap auto insurance quotes with an accident
| Company | Annual rate |
|---|---|
| State Farm | $1,050 |
| Progressive | $1,930 |
| Auto-Owners | $2,168 |
| Grinnell Mutual | $2,424 |
| American Family | $2,661 |
| Farm Bureau | $3,048 |
| Geico | $3,084 |
| Nationwide | $3,524 |
| Allstate | $4,130 |
Cheap insurance for Iowa teens with a bad driving record: Progressive and State Farm
Iowa teens with a bad driving record can get the cheapest car insurance from Progressive and State Farm.
Progressive has the cheapest liability quotes for teens after a speeding ticket at $926 a year. State farm is next, with an average quote of $961 a year.
The cheapest company for teens after an accident is State Farm, which charges around $879 a year for liability coverage.
Best insurance for teens with a ticket or accident
| Company | Ticket | Accident |
|---|---|---|
| Progressive | $926 | $986 |
| State Farm | $961 | $879 |
| Farm Bureau | $1,164 | $1,548 |
| Grinnell Mutual | $1,294 | $1,294 |
| American Family | $1,432 | $2,032 |
| Geico | $1,680 | $2,155 |
| Allstate | $2,709 | $3,955 |
| Nationwide | $2,966 | $3,047 |
| Auto-Owners | $3,249 | $2,116 |
To get cheap teen car insurance in Iowa or lower your rate:
- Look for discounts aimed at young drivers
- Get added to a parent’s policy
- Try usage-based car insurance and drive safely
Find the Cheapest Auto Insurance Quotes in Iowa
Cheapest car insurance quotes in Iowa with a DUI: Progressive
Progressive has the cheapest DUI insurance in Iowa, with an average rate of $1,589 a year. State Farm isn’t much more expensive at $1,834 a year.
A DUI (driving under the influence) conviction causes your car insurance to go up around 79% in Iowa.
Cheap car insurance after a DUI
| Company | Annual rate |
|---|---|
| Progressive | $1,589 |
| State Farm | $1,834 |
| American Family | $3,066 |
| Geico | $3,311 |
| Allstate | $3,680 |
| Auto-Owners | $3,922 |
| Farm Bureau | $4,098 |
| Nationwide | $4,397 |
| Grinnell Mutual | $4,691 |
Iowa’s best cheap auto insurance for bad credit: Progressive
With an average rate of $2,413 a year, Progressive is the cheapest auto insurance company for Iowa drivers with bad credit. American Family’s average rate of $2,625 a year is almost as affordable.
With both companies being so close in cost, discounts could make the difference for you. American Family has more discounts than Progressive, but both offer more than most companies.
Cheapest insurance companies with poor credit
| Company | Annual rate |
|---|---|
| Progressive | $2,413 |
| American Family | $2,625 |
| Geico | $2,978 |
| Nationwide | $3,162 |
| Farm Bureau | $3,224 |
| Allstate | $4,198 |
| Auto-Owners | $4,234 |
| Grinnell Mutual | $4,258 |
| State Farm | $5,222 |
Another way to get cheap car insurance with poor credit is to compare quotes from several companies. Not all companies look at your credit history in the same way, and some won’t evn use your poor credit against you at all.
Best car insurance companies in Iowa
State Farm is the best car insurance company in Iowa because of its low rates and great customer service ratings. It also has a highly rated app, and a helpful website that lets you get quotes, pay bills and file claims.
Auto-Owners also scores well for customer service and satisfaction, but its rates are often among the state’s highest.
Iowa car insurance company ratings
| Company | J.D. Power* | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| American Family | 660 | A | |
| Auto-Owners | 654 | A++ | |
| Farm Bureau | 673 | A | |
| Geico | 637 | A++ | |
| Grinnell Mutual | Not rated | Not rated | Not rated |
| Nationwide | 641 | A | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
*Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Iowa insurance rates by city
Ames is the cheapest city for car insurance in Iowa. Rates there average $1,567 a year. The most expensive city for car insurance in Iowa is Gravity, where rates average $2,189 a year.
The average cost of car insurance in Iowa’s biggest cities:
- Des Moines, $1,828 a year
- Cedar Rapids, $1,760 a year
- Davenport, $1,815 a year
Car insurance rates near you
| City | Annual rate | % from average |
|---|---|---|
| Ackley | $1,732 | -6% |
| Ackworth | $1,865 | 2% |
| Adair | $1,985 | 8% |
| Adel | $1,775 | -3% |
| Afton | $1,981 | 8% |
| Agency | $1,809 | -1% |
| Ainsworth | $1,829 | 0% |
| Akron | $1,800 | -2% |
| Albert City | $1,740 | -5% |
| Albia | $1,913 | 4% |
| Albion | $1,795 | -2% |
| Alburnett | $1,824 | -1% |
| Alexander | $1,701 | -7% |
| Algona | $1,694 | -8% |
| Alleman | $1,761 | -4% |
| Allerton | $1,999 | 9% |
| Allison | $1,840 | 0% |
| Alta | $1,743 | -5% |
| Alta Vista | $1,839 | 0% |
| Alton | $1,746 | -5% |
| Altoona | $1,716 | -6% |
| Alvord | $1,737 | -5% |
| Amana | $1,850 | 1% |
| Ames | $1,567 | -15% |
| Anamosa | $1,875 | 2% |
| Andover | $1,783 | -3% |
| Andrew | $1,829 | 0% |
| Anita | $1,999 | 9% |
| Ankeny | $1,609 | -12% |
| Anthon | $1,871 | 2% |
| Aplington | $1,797 | -2% |
| Archer | $1,757 | -4% |
| Aredale | $1,791 | -2% |
| Argyle | $1,812 | -1% |
| Arion | $1,848 | 1% |
| Arispe | $1,955 | 7% |
| Arlington | $1,896 | 3% |
| Armstrong | $1,695 | -8% |
| Arnolds Park | $1,715 | -6% |
| Arthur | $1,785 | -3% |
| Asbury | $1,748 | -5% |
| Ashton | $1,743 | -5% |
| Aspinwall | $1,791 | -2% |
| Atalissa | $1,745 | -5% |
| Atkins | $1,827 | 0% |
| Atlantic | $1,974 | 8% |
| Auburn | $1,759 | -4% |
| Audubon | $1,868 | 2% |
| Aurelia | $1,793 | -2% |
| Aurora | $1,820 | -1% |
| Austinville | $1,790 | -2% |
| Avoca | $1,993 | 9% |
| Ayrshire | $1,776 | -3% |
| Badger | $1,786 | -3% |
| Bagley | $1,869 | 2% |
| Baldwin | $1,863 | 2% |
| Bancroft | $1,710 | -7% |
| Barnes City | $1,842 | 0% |
| Barnum | $1,805 | -2% |
| Batavia | $1,906 | 4% |
| Battle Creek | $1,804 | -2% |
| Baxter | $1,764 | -4% |
| Bayard | $1,899 | 4% |
| Beacon | $1,783 | -3% |
| Beaman | $1,778 | -3% |
| Bedford | $2,180 | 19% |
| Belle Plaine | $1,830 | 0% |
| Bellevue | $1,860 | 1% |
| Belmond | $1,713 | -7% |
| Bennett | $1,754 | -4% |
| Benton | $2,096 | 14% |
| Bernard | $1,860 | 1% |
| Berwick | $1,697 | -7% |
| Bettendorf | $1,736 | -5% |
| Bevington | $1,917 | 5% |
| Birmingham | $1,905 | 4% |
| Blairsburg | $1,722 | -6% |
| Blairstown | $1,816 | -1% |
| Blakesburg | $1,897 | 3% |
| Blanchard | $2,036 | 11% |
| Blencoe | $1,953 | 7% |
| Blockton | $2,132 | 16% |
| Bloomfield | $1,946 | 6% |
| Bode | $1,743 | -5% |
| Bondurant | $1,750 | -5% |
| Boone | $1,784 | -3% |
| Booneville | $1,751 | -4% |
| Bouton | $1,756 | -4% |
| Boxholm | $1,777 | -3% |
| Boyden | $1,724 | -6% |
| Braddyville | $2,072 | 13% |
| Bradgate | $1,752 | -4% |
| Brandon | $1,777 | -3% |
| Brayton | $1,896 | 3% |
| Breda | $1,757 | -4% |
| Bridgewater | $2,023 | 10% |
| Brighton | $1,844 | 1% |
| Bristow | $1,824 | -1% |
| Britt | $1,686 | -8% |
| Bronson | $1,767 | -4% |
| Brooklyn | $1,844 | 1% |
| Brunsville | $1,756 | -4% |
| Bryant | $1,770 | -3% |
| Buckingham | $1,782 | -3% |
| Buffalo Center | $1,693 | -8% |
| Burlington | $1,701 | -7% |
| Burnside | $1,796 | -2% |
| Bussey | $1,842 | 0% |
| Calamus | $1,738 | -5% |
| Callender | $1,810 | -1% |
| Calumet | $1,783 | -3% |
| Camanche | $1,686 | -8% |
| Cambridge | $1,707 | -7% |
| Cantril | $1,937 | 6% |
| Carbon | $2,106 | 15% |
| Carlisle | $1,845 | 1% |
| Carpenter | $1,784 | -3% |
| Carroll | $1,697 | -7% |
| Carson | $2,073 | 13% |
| Carter Lake | $2,165 | 18% |
| Cascade | $1,845 | 1% |
| Casey | $2,005 | 9% |
| Castalia | $1,921 | 5% |
| Castana | $1,873 | 2% |
| Cedar | $1,805 | -2% |
| Cedar Falls | $1,760 | -4% |
| Cedar Rapids | $1,760 | -4% |
| Center Junction | $1,883 | 3% |
| Center Point | $1,818 | -1% |
| Centerville | $1,940 | 6% |
| Central City | $1,827 | 0% |
| Chapin | $1,733 | -5% |
| Chariton | $1,963 | 7% |
| Charles City | $1,793 | -2% |
| Charlotte | $1,735 | -5% |
| Charter Oak | $1,814 | -1% |
| Chatsworth | $1,847 | 1% |
| Chelsea | $1,877 | 2% |
| Cherokee | $1,845 | 1% |
| Chester | $1,899 | 4% |
| Chillicothe | $1,805 | -2% |
| Churdan | $1,777 | -3% |
| Cincinnati | $1,986 | 8% |
| Clare | $1,810 | -1% |
| Clarence | $1,823 | -1% |
| Clarinda | $2,028 | 11% |
| Clarion | $1,665 | -9% |
| Clarksville | $1,793 | -2% |
| Clear Lake | $1,683 | -8% |
| Clearfield | $2,131 | 16% |
| Cleghorn | $1,820 | -1% |
| Clemons | $1,792 | -2% |
| Clermont | $1,922 | 5% |
| Climbing Hill | $1,842 | 1% |
| Clinton | $1,756 | -4% |
| Clio | $1,951 | 6% |
| Clive | $1,684 | -8% |
| Clutier | $1,845 | 1% |
| Coggon | $1,833 | 0% |
| Coin | $2,068 | 13% |
| Colesburg | $1,853 | 1% |
| Colfax | $1,759 | -4% |
| College Springs | $2,056 | 12% |
| Collins | $1,789 | -2% |
| Colo | $1,715 | -6% |
| Columbia | $1,845 | 1% |
| Columbus City | $1,797 | -2% |
| Columbus Junction | $1,793 | -2% |
| Colwell | $1,799 | -2% |
| Conesville | $1,750 | -5% |
| Conrad | $1,767 | -4% |
| Conroy | $1,835 | 0% |
| Coon Rapids | $1,839 | 0% |
| Cooper | $1,790 | -2% |
| Coralville | $1,572 | -14% |
| Corning | $2,141 | 17% |
| Correctionville | $1,838 | 0% |
| Corwith | $1,716 | -6% |
| Corydon | $1,951 | 6% |
| Coulter | $1,727 | -6% |
| Council Bluffs | $2,111 | 15% |
| Crawfordsville | $1,847 | 1% |
| Crescent | $2,113 | 15% |
| Cresco | $1,896 | 3% |
| Creston | $1,935 | 6% |
| Cromwell | $1,945 | 6% |
| Crystal Lake | $1,726 | -6% |
| Cumberland | $2,087 | 14% |
| Cumming | $1,811 | -1% |
| Curlew | $1,755 | -4% |
| Cushing | $1,824 | -1% |
| Cylinder | $1,728 | -6% |
| Dakota City | $1,776 | -3% |
| Dallas Center | $1,738 | -5% |
| Dana | $1,796 | -2% |
| Danbury | $1,840 | 0% |
| Davenport | $1,815 | -1% |
| Davis City | $2,010 | 10% |
| Dawson | $1,794 | -2% |
| Dayton | $1,769 | -4% |
| De Soto | $1,866 | 2% |
| De Witt | $1,704 | -7% |
| Decatur | $1,987 | 8% |
| Decorah | $1,898 | 4% |
| Dedham | $1,810 | -1% |
| Defiance | $1,852 | 1% |
| Delaware | $1,863 | 2% |
| Delmar | $1,781 | -3% |
| Deloit | $1,820 | -1% |
| Delta | $1,862 | 2% |
| Denison | $1,813 | -1% |
| Denmark | $1,818 | -1% |
| Denver | $1,794 | -2% |
| Derby | $1,983 | 8% |
| Des Moines | $1,828 | 0% |
| Dewar | $1,861 | 1% |
| Dexter | $1,946 | 6% |
| Diagonal | $2,080 | 13% |
| Dickens | $1,740 | -5% |
| Dike | $1,770 | -3% |
| Dixon | $1,721 | -6% |
| Dolliver | $1,735 | -5% |
| Donahue | $1,695 | -8% |
| Donnellson | $1,856 | 1% |
| Dorchester | $1,965 | 7% |
| Douds | $1,957 | 7% |
| Dougherty | $1,758 | -4% |
| Dow City | $1,849 | 1% |
| Dows | $1,700 | -7% |
| Drakesville | $1,908 | 4% |
| Dubuque | $1,777 | -3% |
| Dumont | $1,784 | -3% |
| Duncombe | $1,783 | -3% |
| Dundee | $1,855 | 1% |
| Dunkerton | $1,852 | 1% |
| Dunlap | $1,926 | 5% |
| Durango | $1,786 | -3% |
| Durant | $1,699 | -7% |
| Dyersville | $1,789 | -2% |
| Dysart | $1,821 | -1% |
| Eagle Grove | $1,698 | -7% |
| Earlham | $1,926 | 5% |
| Earling | $1,915 | 4% |
| Earlville | $1,850 | 1% |
| Early | $1,746 | -5% |
| East Peru | $1,970 | 7% |
| Eddyville | $1,833 | 0% |
| Edgewood | $1,895 | 3% |
| Elberon | $1,837 | 0% |
| Eldon | $1,857 | 1% |
| Eldora | $1,768 | -4% |
| Eldridge | $1,702 | -7% |
| Elgin | $1,937 | 6% |
| Elk Horn | $1,956 | 7% |
| Elk Run Heights | $1,802 | -2% |
| Elkader | $1,923 | 5% |
| Elkport | $1,909 | 4% |
| Elliott | $2,094 | 14% |
| Ellston | $2,056 | 12% |
| Ellsworth | $1,693 | -8% |
| Elma | $1,844 | 1% |
| Ely | $1,795 | -2% |
| Emerson | $2,112 | 15% |
| Emmetsburg | $1,704 | -7% |
| Epworth | $1,802 | -2% |
| Essex | $2,049 | 12% |
| Estherville | $1,722 | -6% |
| Evansdale | $1,789 | -2% |
| Everly | $1,777 | -3% |
| Exira | $1,887 | 3% |
| Exline | $1,954 | 7% |
| Fairfax | $1,759 | -4% |
| Fairfield | $1,810 | -1% |
| Farley | $1,790 | -2% |
| Farnhamville | $1,779 | -3% |
| Farragut | $2,058 | 12% |
| Fayette | $1,909 | 4% |
| Ferguson | $1,782 | -3% |
| Fertile | $1,743 | -5% |
| Floris | $1,967 | 7% |
| Floyd | $1,803 | -2% |
| Fonda | $1,786 | -3% |
| Fontanelle | $2,072 | 13% |
| Forest City | $1,689 | -8% |
| Fort Atkinson | $1,887 | 3% |
| Fort Dodge | $1,778 | -3% |
| Fort Madison | $1,818 | -1% |
| Fostoria | $1,760 | -4% |
| Fredericksburg | $1,830 | 0% |
| Fremont | $1,824 | -1% |
| Fruitland | $1,786 | -3% |
| Galt | $1,738 | -5% |
| Galva | $1,751 | -4% |
| Garber | $1,951 | 6% |
| Garden City | $1,726 | -6% |
| Garden Grove | $2,041 | 11% |
| Garnavillo | $1,954 | 7% |
| Garner | $1,690 | -8% |
| Garrison | $1,799 | -2% |
| Garwin | $1,788 | -2% |
| George | $1,725 | -6% |
| Gibson | $1,875 | 2% |
| Gifford | $1,825 | 0% |
| Gilbert | $1,642 | -10% |
| Gilbertville | $1,793 | -2% |
| Gilman | $1,787 | -3% |
| Gilmore City | $1,765 | -4% |
| Gladbrook | $1,774 | -3% |
| Glenwood | $2,117 | 15% |
| Glidden | $1,734 | -5% |
| Goldfield | $1,708 | -7% |
| Goodell | $1,709 | -7% |
| Goose Lake | $1,733 | -5% |
| Gowrie | $1,785 | -3% |
| Graettinger | $1,718 | -6% |
| Grafton | $1,767 | -4% |
| Grand Junction | $1,799 | -2% |
| Grand Mound | $1,736 | -5% |
| Granger | $1,750 | -5% |
| Granville | $1,795 | -2% |
| Gravity | $2,189 | 19% |
| Gray | $1,856 | 1% |
| Greeley | $1,890 | 3% |
| Greene | $1,831 | 0% |
| Greenfield | $1,982 | 8% |
| Greenville | $1,748 | -5% |
| Grimes | $1,632 | -11% |
| Grinnell | $1,771 | -3% |
| Griswold | $2,021 | 10% |
| Grundy Center | $1,742 | -5% |
| Guernsey | $1,823 | -1% |
| Guthrie Center | $1,953 | 7% |
| Guttenberg | $1,893 | 3% |
| Halbur | $1,773 | -3% |
| Hamburg | $2,074 | 13% |
| Hamilton | $1,862 | 2% |
| Hamlin | $1,903 | 4% |
| Hampton | $1,708 | -7% |
| Hancock | $2,036 | 11% |
| Hanlontown | $1,736 | -5% |
| Harcourt | $1,786 | -3% |
| Hardy | $1,735 | -5% |
| Harlan | $1,920 | 5% |
| Harper | $1,854 | 1% |
| Harpers Ferry | $2,020 | 10% |
| Harris | $1,741 | -5% |
| Hartford | $1,893 | 3% |
| Hartley | $1,743 | -5% |
| Hartwick | $1,820 | -1% |
| Harvey | $1,805 | -2% |
| Hastings | $2,082 | 14% |
| Havelock | $1,743 | -5% |
| Haverhill | $1,801 | -2% |
| Hawarden | $1,782 | -3% |
| Hawkeye | $1,907 | 4% |
| Hayesville | $1,885 | 3% |
| Hazleton | $1,801 | -2% |
| Hedrick | $1,928 | 5% |
| Henderson | $2,085 | 14% |
| Hiawatha | $1,762 | -4% |
| Highlandville | $1,888 | 3% |
| Hills | $1,776 | -3% |
| Hillsboro | $1,855 | 1% |
| Hinton | $1,856 | 1% |
| Holland | $1,769 | -3% |
| Holstein | $1,790 | -2% |
| Holy Cross | $1,843 | 1% |
| Homestead | $1,780 | -3% |
| Honey Creek | $2,049 | 12% |
| Hopkinton | $1,802 | -2% |
| Hornick | $1,831 | 0% |
| Hospers | $1,745 | -5% |
| Houghton | $1,865 | 2% |
| Hubbard | $1,708 | -7% |
| Hudson | $1,765 | -4% |
| Hull | $1,712 | -7% |
| Humboldt | $1,773 | -3% |
| Humeston | $1,945 | 6% |
| Huxley | $1,723 | -6% |
| Ida Grove | $1,780 | -3% |
| Imogene | $2,091 | 14% |
| Independence | $1,733 | -5% |
| Indianola | $1,890 | 3% |
| Inwood | $1,751 | -4% |
| Ionia | $1,791 | -2% |
| Iowa City | $1,592 | -13% |
| Iowa Falls | $1,701 | -7% |
| Ira | $1,775 | -3% |
| Ireton | $1,768 | -4% |
| Irwin | $1,840 | 0% |
| Jamaica | $1,842 | 1% |
| Janesville | $1,781 | -3% |
| Jefferson | $1,792 | -2% |
| Jesup | $1,732 | -6% |
| Jewell | $1,704 | -7% |
| Johnston | $1,638 | -11% |
| Joice | $1,746 | -5% |
| Jolley | $1,753 | -4% |
| Kalona | $1,800 | -2% |
| Kamrar | $1,763 | -4% |
| Kanawha | $1,683 | -8% |
| Kellerton | $2,085 | 14% |
| Kelley | $1,724 | -6% |
| Kensett | $1,795 | -2% |
| Keokuk | $1,806 | -1% |
| Keosauqua | $1,950 | 6% |
| Keota | $1,856 | 1% |
| Kesley | $1,782 | -3% |
| Keswick | $1,892 | 3% |
| Keystone | $1,831 | 0% |
| Killduff | $1,753 | -4% |
| Kimballton | $1,899 | 4% |
| Kingsley | $1,796 | -2% |
| Kinross | $1,864 | 2% |
| Kirkman | $1,882 | 3% |
| Kirkville | $1,860 | 1% |
| Kiron | $1,791 | -2% |
| Klemme | $1,713 | -7% |
| Knierim | $1,824 | -1% |
| Knoxville | $1,846 | 1% |
| La Motte | $1,862 | 2% |
| La Porte City | $1,798 | -2% |
| Lacona | $1,974 | 8% |
| Ladora | $1,853 | 1% |
| Lake City | $1,731 | -6% |
| Lake Mills | $1,689 | -8% |
| Lake Park | $1,709 | -7% |
| Lake View | $1,758 | -4% |
| Lakota | $1,714 | -7% |
| Lamoni | $2,036 | 11% |
| Lamont | $1,866 | 2% |
| Lanesboro | $1,759 | -4% |
| Langworthy | $1,862 | 2% |
| Lansing | $1,969 | 7% |
| Larchwood | $1,746 | -5% |
| Larrabee | $1,812 | -1% |
| Latimer | $1,703 | -7% |
| Laurel | $1,808 | -1% |
| Laurens | $1,747 | -5% |
| Lawler | $1,875 | 2% |
| Lawton | $1,809 | -1% |
| Le Claire | $1,683 | -8% |
| Le Grand | $1,807 | -1% |
| Le Mars | $1,749 | -5% |
| Ledyard | $1,705 | -7% |
| Lehigh | $1,790 | -2% |
| Leighton | $1,782 | -3% |
| Leland | $1,706 | -7% |
| Lenox | $2,080 | 13% |
| Leon | $2,079 | 13% |
| Letts | $1,751 | -4% |
| Lewis | $1,986 | 8% |
| Liberty Center | $1,892 | 3% |
| Libertyville | $1,914 | 4% |
| Lidderdale | $1,743 | -5% |
| Lime Springs | $1,900 | 4% |
| Linden | $1,817 | -1% |
| Lineville | $2,018 | 10% |
| Linn Grove | $1,768 | -4% |
| Lisbon | $1,849 | 1% |
| Little Cedar | $1,822 | -1% |
| Little Rock | $1,733 | -5% |
| Little Sioux | $1,964 | 7% |
| Livermore | $1,736 | -5% |
| Logan | $2,013 | 10% |
| Lohrville | $1,772 | -3% |
| Lone Rock | $1,731 | -6% |
| Lone Tree | $1,738 | -5% |
| Long Grove | $1,737 | -5% |
| Lorimor | $2,075 | 13% |
| Lost Nation | $1,808 | -1% |
| Lovilia | $1,922 | 5% |
| Low Moor | $1,731 | -6% |
| Lowden | $1,814 | -1% |
| Lu Verne | $1,705 | -7% |
| Luana | $1,919 | 5% |
| Lucas | $1,978 | 8% |
| Luther | $1,750 | -5% |
| Luxemburg | $1,835 | 0% |
| Luzerne | $1,829 | 0% |
| Lynnville | $1,767 | -4% |
| Lytton | $1,759 | -4% |
| Macksburg | $1,970 | 7% |
| Madrid | $1,767 | -4% |
| Magnolia | $2,004 | 9% |
| Malcom | $1,808 | -1% |
| Mallard | $1,778 | -3% |
| Malvern | $2,076 | 13% |
| Manchester | $1,840 | 0% |
| Manilla | $1,776 | -3% |
| Manly | $1,745 | -5% |
| Manning | $1,776 | -3% |
| Manson | $1,776 | -3% |
| Mapleton | $1,816 | -1% |
| Maquoketa | $1,789 | -2% |
| Marathon | $1,735 | -5% |
| Marble Rock | $1,828 | 0% |
| Marcus | $1,803 | -2% |
| Marengo | $1,860 | 1% |
| Marion | $1,745 | -5% |
| Marne | $2,009 | 10% |
| Marquette | $1,964 | 7% |
| Marshalltown | $1,723 | -6% |
| Martelle | $1,910 | 4% |
| Martensdale | $1,928 | 5% |
| Martinsburg | $1,886 | 3% |
| Mason City | $1,652 | -10% |
| Masonville | $1,838 | 0% |
| Massena | $2,053 | 12% |
| Matlock | $1,764 | -4% |
| Maurice | $1,736 | -5% |
| Maxwell | $1,794 | -2% |
| Maynard | $1,845 | 1% |
| Mc Callsburg | $1,730 | -6% |
| Mc Causland | $1,711 | -7% |
| Mc Clelland | $2,037 | 11% |
| Mc Gregor | $1,930 | 5% |
| Mc Intire | $1,815 | -1% |
| Mechanicsville | $1,853 | 1% |
| Mediapolis | $1,793 | -2% |
| Melbourne | $1,797 | -2% |
| Melcher-Dallas | $1,881 | 3% |
| Melrose | $1,955 | 7% |
| Melvin | $1,744 | -5% |
| Menlo | $1,995 | 9% |
| Meriden | $1,829 | 0% |
| Merrill | $1,790 | -2% |
| Meservey | $1,725 | -6% |
| Middle | $1,858 | 1% |
| Middle Amana | $1,858 | 1% |
| Middletown | $1,779 | -3% |
| Miles | $1,800 | -2% |
| Milford | $1,710 | -7% |
| Millersburg | $1,863 | 2% |
| Millerton | $1,937 | 6% |
| Milo | $1,919 | 5% |
| Milton | $1,990 | 9% |
| Minburn | $1,782 | -3% |
| Minden | $2,061 | 12% |
| Mineola | $2,068 | 13% |
| Mingo | $1,791 | -2% |
| Missouri Valley | $2,015 | 10% |
| Mitchellville | $1,799 | -2% |
| Modale | $1,985 | 8% |
| Mondamin | $2,031 | 11% |
| Monmouth | $1,872 | 2% |
| Monona | $1,960 | 7% |
| Monroe | $1,740 | -5% |
| Montezuma | $1,833 | 0% |
| Monticello | $1,876 | 2% |
| Montour | $1,805 | -2% |
| Montpelier | $1,697 | -7% |
| Montrose | $1,838 | 0% |
| Moorhead | $1,910 | 4% |
| Moorland | $1,806 | -1% |
| Moravia | $1,988 | 8% |
| Morley | $1,847 | 1% |
| Morning Sun | $1,850 | 1% |
| Morrison | $1,781 | -3% |
| Moscow | $1,725 | -6% |
| Moulton | $1,970 | 7% |
| Mount Auburn | $1,788 | -2% |
| Mount Ayr | $2,120 | 16% |
| Mount Pleasant | $1,786 | -3% |
| Mount Sterling | $1,961 | 7% |
| Mount Union | $1,790 | -2% |
| Mount Vernon | $1,840 | 0% |
| Moville | $1,790 | -2% |
| Murray | $2,036 | 11% |
| Muscatine | $1,696 | -8% |
| Mystic | $1,945 | 6% |
| Nashua | $1,820 | -1% |
| Nemaha | $1,766 | -4% |
| Nevada | $1,708 | -7% |
| New Albin | $1,991 | 9% |
| New Hampton | $1,812 | -1% |
| New Hartford | $1,813 | -1% |
| New Liberty | $1,748 | -5% |
| New London | $1,771 | -3% |
| New Market | $2,053 | 12% |
| New Providence | $1,766 | -4% |
| New Sharon | $1,820 | -1% |
| New Vienna | $1,794 | -2% |
| New Virginia | $2,011 | 10% |
| Newell | $1,732 | -6% |
| Newhall | $1,779 | -3% |
| Newton | $1,704 | -7% |
| Nichols | $1,727 | -6% |
| Nodaway | $2,105 | 15% |
| Nora Springs | $1,775 | -3% |
| North Buena Vista | $1,846 | 1% |
| North English | $1,863 | 2% |
| North Liberty | $1,694 | -8% |
| North Washington | $1,846 | 1% |
| Northboro | $2,055 | 12% |
| Northwood | $1,754 | -4% |
| Norwalk | $1,854 | 1% |
| Norway | $1,813 | -1% |
| Oakland | $2,049 | 12% |
| Oakville | $1,830 | 0% |
| Odebolt | $1,779 | -3% |
| Oelwein | $1,834 | 0% |
| Ogden | $1,766 | -4% |
| Okoboji | $1,715 | -6% |
| Olds | $1,810 | -1% |
| Olin | $1,867 | 2% |
| Ollie | $1,852 | 1% |
| Onawa | $1,842 | 0% |
| Onslow | $1,872 | 2% |
| Oran | $1,832 | 0% |
| Orange City | $1,724 | -6% |
| Orchard | $1,806 | -1% |
| Orient | $2,025 | 10% |
| Osage | $1,770 | -3% |
| Osceola | $1,995 | 9% |
| Oskaloosa | $1,756 | -4% |
| Ossian | $1,908 | 4% |
| Otley | $1,797 | -2% |
| Oto | $1,838 | 0% |
| Ottosen | $1,757 | -4% |
| Ottumwa | $1,771 | -3% |
| Oxford | $1,779 | -3% |
| Oxford Junction | $1,894 | 3% |
| Oyens | $1,750 | -5% |
| Pacific Junction | $2,079 | 13% |
| Packwood | $1,870 | 2% |
| Palmer | $1,753 | -4% |
| Palo | $1,768 | -4% |
| Panama | $1,956 | 7% |
| Panora | $1,949 | 6% |
| Park View | $1,703 | -7% |
| Parkersburg | $1,807 | -1% |
| Parnell | $1,809 | -1% |
| Patterson | $1,965 | 7% |
| Paullina | $1,792 | -2% |
| Pella | $1,748 | -5% |
| Peosta | $1,783 | -3% |
| Percival | $2,101 | 15% |
| Perry | $1,779 | -3% |
| Persia | $1,997 | 9% |
| Peru | $1,970 | 7% |
| Pierson | $1,810 | -1% |
| Pilot Grove | $1,810 | -1% |
| Pilot Mound | $1,804 | -2% |
| Pisgah | $2,041 | 11% |
| Plainfield | $1,793 | -2% |
| Plano | $1,939 | 6% |
| Pleasant Hill | $1,746 | -5% |
| Pleasant Valley | $1,713 | -7% |
| Pleasantville | $1,865 | 2% |
| Plover | $1,789 | -2% |
| Plymouth | $1,716 | -6% |
| Pocahontas | $1,743 | -5% |
| Polk City | $1,799 | -2% |
| Pomeroy | $1,760 | -4% |
| Popejoy | $1,739 | -5% |
| Portsmouth | $1,972 | 8% |
| Postville | $1,924 | 5% |
| Prairie City | $1,809 | -1% |
| Prairieburg | $1,829 | 0% |
| Prescott | $2,057 | 12% |
| Preston | $1,798 | -2% |
| Primghar | $1,755 | -4% |
| Princeton | $1,727 | -6% |
| Prole | $1,907 | 4% |
| Promise City | $1,963 | 7% |
| Protivin | $1,887 | 3% |
| Pulaski | $1,920 | 5% |
| Quasqueton | $1,766 | -4% |
| Quimby | $1,836 | 0% |
| Radcliffe | $1,698 | -7% |
| Rake | $1,717 | -6% |
| Ralston | $1,778 | -3% |
| Randalia | $1,849 | 1% |
| Randall | $1,740 | -5% |
| Randolph | $2,107 | 15% |
| Raymond | $1,792 | -2% |
| Readlyn | $1,833 | 0% |
| Reasnor | $1,756 | -4% |
| Red Oak | $2,050 | 12% |
| Redding | $2,149 | 17% |
| Redfield | $1,885 | 3% |
| Reinbeck | $1,776 | -3% |
| Rembrandt | $1,761 | -4% |
| Remsen | $1,752 | -4% |
| Renwick | $1,738 | -5% |
| Rhodes | $1,811 | -1% |
| Riceville | $1,856 | 1% |
| Ricketts | $1,880 | 3% |
| Ridgeway | $1,924 | 5% |
| Ringsted | $1,711 | -7% |
| Rippey | $1,828 | 0% |
| Riverside | $1,750 | -5% |
| Riverton | $2,039 | 11% |
| Robins | $1,721 | -6% |
| Rock Falls | $1,716 | -6% |
| Rock Rapids | $1,736 | -5% |
| Rock Valley | $1,736 | -5% |
| Rockford | $1,791 | -2% |
| Rockwell | $1,695 | -8% |
| Rockwell City | $1,758 | -4% |
| Rodney | $1,845 | 1% |
| Roland | $1,692 | -8% |
| Rolfe | $1,745 | -5% |
| Rose Hill | $1,811 | -1% |
| Rowan | $1,729 | -6% |
| Rowley | $1,782 | -3% |
| Royal | $1,753 | -4% |
| Rudd | $1,794 | -2% |
| Runnells | $1,849 | 1% |
| Russell | $2,024 | 10% |
| Ruthven | $1,724 | -6% |
| Rutland | $1,777 | -3% |
| Ryan | $1,837 | 0% |
| Sabula | $1,801 | -2% |
| Sac City | $1,729 | -6% |
| Salem | $1,846 | 1% |
| Salix | $1,804 | -2% |
| Sanborn | $1,749 | -5% |
| Saylorville | $1,714 | -6% |
| Scarville | $1,725 | -6% |
| Schaller | $1,743 | -5% |
| Schleswig | $1,792 | -2% |
| Searsboro | $1,827 | 0% |
| Selma | $1,899 | 4% |
| Sergeant Bluff | $1,802 | -2% |
| Seymour | $1,996 | 9% |
| Shambaugh | $2,031 | 11% |
| Shannon City | $1,994 | 9% |
| Sharpsburg | $2,118 | 16% |
| Sheffield | $1,723 | -6% |
| Sheldahl | $1,788 | -2% |
| Sheldon | $1,738 | -5% |
| Shell Rock | $1,774 | -3% |
| Shellsburg | $1,827 | 0% |
| Shenandoah | $2,038 | 11% |
| Sherrill | $1,867 | 2% |
| Sibley | $1,760 | -4% |
| Sidney | $2,104 | 15% |
| Sigourney | $1,858 | 1% |
| Silver City | $2,100 | 15% |
| Sioux Center | $1,701 | -7% |
| Sioux City | $1,948 | 6% |
| Sioux Rapids | $1,764 | -4% |
| Slater | $1,736 | -5% |
| Smithland | $1,843 | 1% |
| Soldier | $1,899 | 4% |
| Solon | $1,774 | -3% |
| Somers | $1,797 | -2% |
| South Amana | $1,841 | 0% |
| South English | $1,864 | 2% |
| Spencer | $1,703 | -7% |
| Sperry | $1,780 | -3% |
| Spillville | $1,906 | 4% |
| Spirit Lake | $1,700 | -7% |
| Spragueville | $1,851 | 1% |
| Springbrook | $1,883 | 3% |
| Springville | $1,825 | 0% |
| St. Ansgar | $1,755 | -4% |
| St. Anthony | $1,796 | -2% |
| St. Charles | $2,019 | 10% |
| St. Donatus | $1,846 | 1% |
| St. Lucas | $1,907 | 4% |
| St. Marys | $1,951 | 6% |
| St. Olaf | $1,914 | 4% |
| St. Paul | $1,805 | -2% |
| Stanhope | $1,740 | -5% |
| Stanley | $1,829 | 0% |
| Stanton | $2,060 | 12% |
| Stanwood | $1,838 | 0% |
| Steamboat Rock | $1,760 | -4% |
| Stockport | $1,835 | 0% |
| Stockton | $1,737 | -5% |
| Storm Lake | $1,713 | -7% |
| Story City | $1,677 | -9% |
| Stout | $1,779 | -3% |
| Stratford | $1,791 | -2% |
| Strawberry Point | $1,898 | 4% |
| Stuart | $1,947 | 6% |
| Sully | $1,750 | -5% |
| Sumner | $1,848 | 1% |
| Superior | $1,725 | -6% |
| Sutherland | $1,807 | -1% |
| Swaledale | $1,713 | -7% |
| Swan | $1,853 | 1% |
| Swea City | $1,710 | -7% |
| Swedesburg | $1,784 | -3% |
| Swisher | $1,757 | -4% |
| Tabor | $2,082 | 14% |
| Tama | $1,822 | -1% |
| Teeds Grove | $1,733 | -5% |
| Templeton | $1,782 | -3% |
| Terril | $1,738 | -5% |
| Thayer | $2,032 | 11% |
| Thompson | $1,685 | -8% |
| Thor | $1,759 | -4% |
| Thornburg | $1,880 | 3% |
| Thornton | $1,703 | -7% |
| Thurman | $2,086 | 14% |
| Tiffin | $1,736 | -5% |
| Tingley | $2,060 | 12% |
| Tipton | $1,815 | -1% |
| Titonka | $1,724 | -6% |
| Toddville | $1,788 | -2% |
| Toeterville | $1,786 | -3% |
| Toledo | $1,822 | -1% |
| Tracy | $1,824 | 0% |
| Traer | $1,774 | -3% |
| Treynor | $2,030 | 11% |
| Tripoli | $1,785 | -3% |
| Troy Mills | $1,806 | -1% |
| Truesdale | $1,758 | -4% |
| Truro | $2,032 | 11% |
| Udell | $1,921 | 5% |
| Underwood | $2,040 | 11% |
| Unionville | $1,890 | 3% |
| University Heights | $1,621 | -12% |
| University Park | $1,770 | -3% |
| Urbana | $1,805 | -2% |
| Urbandale | $1,688 | -8% |
| Ute | $1,864 | 2% |
| Vail | $1,777 | -3% |
| Van Horne | $1,796 | -2% |
| Van Meter | $1,856 | 1% |
| Van Wert | $2,075 | 13% |
| Varina | $1,794 | -2% |
| Ventura | $1,695 | -8% |
| Victor | $1,858 | 1% |
| Villisca | $2,147 | 17% |
| Vincent | $1,779 | -3% |
| Vining | $1,886 | 3% |
| Vinton | $1,813 | -1% |
| Volga | $1,902 | 4% |
| Wadena | $1,930 | 5% |
| Walcott | $1,698 | -7% |
| Walford | $1,761 | -4% |
| Walker | $1,800 | -2% |
| Wall Lake | $1,836 | 0% |
| Wallingford | $1,720 | -6% |
| Walnut | $1,992 | 9% |
| Wapello | $1,773 | -3% |
| Washington | $1,808 | -1% |
| Washta | $1,838 | 0% |
| Waterloo | $1,802 | -2% |
| Waterville | $1,955 | 7% |
| Watkins | $1,765 | -4% |
| Waucoma | $1,883 | 3% |
| Waukee | $1,706 | -7% |
| Waukon | $1,903 | 4% |
| Waverly | $1,752 | -4% |
| Wayland | $1,819 | -1% |
| Webb | $1,780 | -3% |
| Webster | $1,869 | 2% |
| Webster City | $1,741 | -5% |
| Weldon | $2,047 | 12% |
| Wellman | $1,805 | -2% |
| Wellsburg | $1,738 | -5% |
| Welton | $1,774 | -3% |
| West Bend | $1,731 | -6% |
| West Branch | $1,777 | -3% |
| West Burlington | $1,679 | -8% |
| West Chester | $1,857 | 1% |
| West Des Moines | $1,703 | -7% |
| West Liberty | $1,728 | -6% |
| West Point | $1,812 | -1% |
| West Union | $1,871 | 2% |
| Westfield | $1,906 | 4% |
| Westgate | $1,846 | 1% |
| Westside | $1,813 | -1% |
| Wever | $1,798 | -2% |
| What Cheer | $1,883 | 3% |
| Wheatland | $1,794 | -2% |
| Whiting | $1,881 | 3% |
| Whittemore | $1,716 | -6% |
| Whitten | $1,814 | -1% |
| Williams | $1,750 | -5% |
| Williamsburg | $1,835 | 0% |
| Williamson | $1,937 | 6% |
| Wilton | $1,744 | -5% |
| Windsor Heights | $1,708 | -7% |
| Winfield | $1,815 | -1% |
| Winterset | $2,013 | 10% |
| Winthrop | $1,763 | -4% |
| Wiota | $1,973 | 8% |
| Woden | $1,691 | -8% |
| Woodbine | $2,021 | 10% |
| Woodburn | $2,040 | 11% |
| Woodward | $1,787 | -3% |
| Woolstock | $1,731 | -6% |
| Worthington | $1,798 | -2% |
| Yale | $1,925 | 5% |
| Yarmouth | $1,767 | -4% |
| Yorktown | $1,987 | 8% |
| Zearing | $1,743 | -5% |
| Zwingle | $1,876 | 2% |
Iowa auto insurance laws
Iowa state law requires drivers to buy at least a minimum amount of liability car insurance. This minimum amount is usually written as 20/40/15.
Iowa auto insurance requirements
| Coverage type | Minimum amount needed |
|---|---|
| Bodily injury liability | $20,000 per person$40,000 per accident |
| Property damage liability | $15,000 per accident |
Iowa Automobile Insurance Plan
If you can’t buy car insurance in Iowa because of a bad driving record or some other reason, you should be able to get it through the Iowa Automobile Insurance Plan (IAAIP).
To buy car insurance through the IAAIP, you must have:
- A valid driver’s license or be eligible to obtain one
- Tried and failed to buy car insurance in Iowa within the past 60 days
Car insurance bought from the IAAIP often costs more than coverage you might buy from a regular insurance company.
SR-22 insurance in Iowa
You may need SR-22 insurance in Iowa if the state suspends or revokes your driver’s license.
An SR-22 proves you have the state’s minimum required amount of car insurance or have filed a surety bond, cash or securities equal to $55,000 with a surety company.
Iowa requires drivers to file an SR-22 for two years.
Frequently asked questions
The average cost of car insurance in Iowa is $500 a year, or $42 a month, if you only buy liability coverage.
The average cost of full-coverage car insurance is $1,901 a year, or $158 a month, in Iowa.
Progressive and State Farm have the cheapest car insurance in Iowa for most drivers and coverage types.
State Farm has the cheapest full-coverage car insurance at an average rate of $1,050 a year. Progressive has the state’s cheapest liability car insurance at $251 a year.
No, Iowa is an at-fault state for car insurance. This means the driver who causes an accident must cover any damage or injuries.
However, anyone involved in an accident can be assigned fault or blame under Iowa’s system. For example, the other driver could be assigned 65% fault, while you could be assigned 35% fault. In this case, you might receive just 65% of the damages awarded.