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Last updated: March 25, 2025

Compare Cheap Auto Insurance in Iowa

State Farm offers some of the best-priced auto insurance in Iowa for most driver categories, apart from USAA for eligible drivers.

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Iowa boasts fairly inexpensive auto insurance, with average rates lying around 20 percent below the national average for most driver categories. The average Iowan motorist pays approximately $1,744 per year for full coverage insurance, which is well below the national average of $2,399 annually.

For those looking for the cheapest option, the average automobile insurer in Iowa offers insurance for just $431 per year for minimum coverage—a similarly significant savings when compared with the $635 national average.

Overview

  • Auto insurance in Iowa costs an average of $1,744 per year for full coverage, and $431 per year on average for minimum coverage.
  • State Farm, USAA (for those eligible), and West Bend are the cheapest auto insurance full coverage providers in Iowa for most categories.
  • Pekin and Travelers also offer competitive rates, especially in high-risk driver categories.

Jump to:

Cheapest Car Insurance in Iowa for Full Coverage: USAA

USAA provides the cheapest full coverage auto insurance in Iowa at an average yearly cost of $1,128, but it’s only available to military personnel and their families. However, State Farm’s average full coverage premium is less than one percent higher, at $1,138 per year, and has no such eligibility restrictions.

Provider Annual Full Coverage Monthly Full Coverage
USAA $1,128 $94
State Farm $1,138 $95
West Bend $1,275 $106
Pekin $1,381 $115
Progressive $1,409 $117
Iowa Farm Bureau $1,510 $126
Auto-Owners $1,515 $126
GEICO $1,563 $130
Iowa

average

$1,744 $145
National average $2,399 $200

Cheapest Car Insurance in Iowa for Minimum Coverage: USAA

USAA also offers the most affordable minimum coverage in Iowa at only $218 per year on average, which is about half the statewide average.  For non-military drivers, Pekin and West Bend offer minimum coverage for around $22 or $60 per year more than USAA — still well below the state and national averages.

Provider Annual Minimum Coverage Monthly Minimum Coverage
USAA $218 $18
Pekin $240 $20
West Bend $278 $23
Iowa Farm Bureau $330 $28
Auto-Owners $333 $28
Progressive $359 $30
State Farm $410 $34
Travelers $455 $38
GEICO $459 $38
Nationwide $740 $62
Allstate $847 $71
Iowa

average

$431 $36
National average $635 $53

Cheapest Car Insurance in Iowa for Teen Drivers: State Farm

State Farm is a fairly clear winner in terms of the cheapest option for households insuring teen drivers in Iowa, with average yearly premiums of around $2,485 — beating out the next cheapest option, IMT, by nearly 16 percent. West Bend and Pekin also offer competitive rates.

Provider Annual with Teen Driver Monthly with Teen Driver
State Farm $2,485 $207
IMT Insurance $2,887 $241
West Bend $2,989 $249
Pekin $3,034 $253
GEICO $3,339 $278
Progressive $3,395 $283
Iowa Farm Bureau $3,552 $296
Auto-Owners $3,732 $311
Grinnell Mutual $4,478 $373
Allstate $5,139 $428
Nationwide $5,425 $452
Iowa

average

$4,112 $343
National average $5,327 $444

Cheapest Car Insurance in Iowa With a Speeding Ticket: State Farm

For Iowan drivers with a speeding ticket, State Farm beats out even the USAA for the lowest average annual premium, coming in at around $1,287 per year compared with $1,403 for USAA. Travelers and West Bend also offer rates less than $10 per month above that.

Provider Annual With Speeding Ticket Monthly With Speeding Ticket
State Farm $1,287 $107
USAA $1,403 $117
Travelers $1,449 $121
West Bend $1,518 $127
Pekin $1,691 $141
Progressive $1,755 $146
Iowa Farm Bureau $1,755 $146
GEICO $1,905 $159
Grinnell Mutual $2,060 $172
Nationwide $2,177 $181
Allstate $2,413 $201
Auto-Owners $2,440 $203
Statewide average $1,986 $166
National average $2,511 $209

GOOD TO KNOW:

In Iowa, one speeding ticket can increase your yearly premiums by 14 percent on average. Getting a second speeding ticket — especially within a short time frame — can cause your insurance rates to increase significantly more. The amount by which you exceeded the speed limit can also be factored in, so abide by the limit if you want to keep your rates as low as possible.

Cheapest Car Insurance in Iowa With an At-Fault Accident: State Farm

State Farm also has the lowest premiums for drivers with an at-fault accident on their record, with an average annual cost of $1,335 — well below the second-lowest option, Travelers, with an average rate of $1,527 per year. USAA is also fairly competitive for military-affiliated drivers who have been found at fault in an accident.

Provider Annual With At-Fault Accident Monthly With At-Fault Accident
State Farm $1,335 $111
Travelers $1,527 $127
USAA $1,659 $138
Pekin $1,802 $150
Auto-Owners $1,850 $154
Progressive $1,983 $165
Grinnell Mutual $2,060 $172
GEICO $2,310 $193
Iowa Farm Bureau $2,443 $204
Nationwide $2,764 $230
Iowa

average

$2,363 $197
National

average

$2,812 $234

Cheapest Car Insurance in Iowa With a DUI: State Farm

In Iowa, as in any other state, a DUI has a substantial effect on insurance premiums. However, in comparison with the national average cost, it can be quite a lot cheaper for Iowans in this situation. State Farm comes in with the lowest average annual premium at $1,531, but both Travelers and Progressive also have average annual premiums well below the state average of $2,636.

Provider Annual With DUI Monthly With DUI
State Farm $1,531 $128
Travelers $1,629 $136
Progressive $1,642 $137
USAA $2,107 $176
West Bend $2,496 $208
GEICO $2,859 $238
Allstate $2,884 $240
Iowa Farm Bureau $3,234 $270
Auto-Owners $3,352 $279
Nationwide $3,417 $285
Grinnell Mutual $4,282 $357
Statewide

average

$2,636 $220
National

average

$3,305 $275

Cheapest Car Insurance in Iowa With Low Credit: Travelers

Drivers in Iowa with bad credit can experience much higher premiums, even surpassing the effect of having a DUI on record. For drivers in this situation, Travelers and IMT offer the lowest average annual premiums at $1,713 and $2,010, respectively. Progressive and GEICO charge a bit more, at around $2,400 annually, though their rates are still well below the state average.

Provider Annual With Low Credit Monthly With Low Credit
Travelers $1,713 $143
IMT Insurance $2,010 $167
Progressive $2,348 $196
GEICO $2,439 $203
Iowa Farm Bureau $2,621 $218
Nationwide $2,476 $206
Allstate $3,279 $273
State Farm $3,601 $300
Auto-Owners $3,621 $302
Grinnell Mutual $3,883 $324
Statewide

average

$3,196 $266
National

average

$3,377 $281

TIP:

Auto insurers in Iowa can use your credit history when determining your premiums — in Iowa, this can lead to a bigger increase than having a DUI. Keeping your credit in good standing, or finding ways to improve it, can save you hundreds of dollars per year on auto insurance.

Best Claims and Customer Satisfaction in Iowa: Auto-Owners

Auto-Owners does not provide the cheapest average rates in Iowa, but it beats out most other major insurers in terms of customer service. USAA technically ranks the highest but is only available to military drivers. State Farm is not far behind Auto-Owners and is often more affordable. It’s also worth noting that several regional insurers, such as West Bend and Pekin, are not ranked by J.D. Power, but have high scores from the CRASH Network Report Card.

Provider Central Region Customer Satisfaction (J.D. Power)1 Claims Satisfaction (J.D. Power)2 CRASH Network Insurer Report Card Great Lakes Region3
USAA 759 726 D+
Auto-Owners 663 692 C-
State Farm 647 710 B+
Progressive 638 672 C
Allstate 629 691 D
Nationwide 628 728 C
GEICO 622 692 C-
Travelers 613 684 C
Grinnell Mutual N/A N/A B+
Pekin N/A N/A B
West Bend N/A N/A B
IMT Insurance N/A N/A B-
Iowa Farm Bureau N/A N/A N/A
Average 647 699 C+

How to Find the Cheapest Car Insurance Rates in Iowa

  1. Avoid traffic violations: Maintaining a clean driving record can save drivers a significant amount on their auto insurance. Having a DUI or speeding ticket on your record can raise premiums by quite a bit, and the effect will last for several years.
  2. Bundle policies: Most auto insurance providers also offer other types of insurance, such as homeowners and renters, and if you’re in the market for one of those anyway, getting multiple insurance policies from the same company could get you an overall discount.
  3. Pay in full: If you have the cash up front, many insurers offer a discount to customers when they pay for their policies upfront. You can still cancel at any time and receive a prorated refund, though some companies may charge a small cancellation fee, so keep this in mind.
  4. Take advantage of young driver discounts: Teenagers are often subject to significantly higher premiums than more experienced drivers, but many insurers offer young driver discounts for meeting various criteria, like being insured consistently for at least one year, maintaining a good GPA, or completing extra driver’s education.

Minimum Car Insurance Requirements in Iowa

The state of Iowa sets minimums for insurance limits that all drivers must carry. Iowa is one of several states that allows some drivers to self-insure, for example by holding state bonds that can be used in lieu of ordinary insurance. For most drivers, however, it’s required that they have proof of insurance that meets the following minimums:

  • Bodily injury liability: $20,000 per person/$40,000 per accident
  • Property damage liability: $15,000 per accident

Many drivers choose to pay higher insurance premiums to increase their coverage, which we highly recommend. Higher coverage means greater financial protection in an accident. In addition, for drivers who lease or finance their cars, the lender will likely require full coverage.

Average Auto Insurance Cost in Iowa by City

Iowan auto insurance rates vary by city. In Iowa, the spread is relatively small, perhaps in part because there aren’t such big metropolitan areas with more frequent damage claims. Of the towns and cities we looked at, the cheapest (Iowa City) and most expensive (Council Bluffs) average premiums lie about 15 percent above and below the state average, respectively. Auto insurance in all of these areas lies well below the national average.

City Annual Full Coverage Monthly Full Coverage
Council Bluffs $1,785 $149
Sioux City $1,624 $135
Des Moines $1,520 $127
Cedar Rapids $1,473 $123
Iowa City $1,329 $111
Iowa average $1,744 $145

Frequently Asked Questions

Who offers the cheapest car insurance in Iowa?

USAA offers the cheapest insurance in Iowa for both full coverage ($1,128 annually) and minimum coverage ($218 annually) However, its eligibility is restricted to the military community. State Farm also has cheap average rates for full coverage at $1,138 annually, while Pekin has the next-cheapest minimum coverage rates at $240 annually.

What cars are the cheapest to insure?

Compact SUVs with good crash-test ratings often have the lowest insurance rates. You can also expect to pay lower premiums if your car is less valuable (has lower MSRP, is older, etc.) as the insurer will expect payouts for your vehicle in the event of damages to be lower.

What’s the risk of driving uninsured?

The biggest risk of driving uninsured is that in the event of an accident, you will be liable for all damages. Beyond that, in Iowa, if you are pulled over for any reason and fail to provide proof of insurance, you can face a fine of up to $250.

What is the best car insurance in Iowa for full coverage?

For those eligible, USAA not only has the cheapest full coverage premiums on average but also the highest customer satisfaction rating from J.D. Power. For those outside the military, State Farm is the next cheapest for full coverage and still ranks relatively highly in terms of customer satisfaction.

Methodology

We analyzed average auto insurance premiums in Iowa for full and minimum coverage for drivers with clean records and good credit. We also analyzed average premiums for other driver profiles, including those with DUIs, accidents, speeding tickets, low credit, and households with teen drivers. Full coverage averages use the following limits:

  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
  • Comprehensive and collision: $500 deductible
Maya Afilalo Headshot MBA Photo
Written by:Maya Afilalo
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.

Citations

  1. 2024 U.S. Auto Insurance Study. J.D. Power. (2024, June 11).
    https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-study

  2. 2024 U.S. Auto Claims Satisfaction Study. J.D. Power. (2024, October 29).
    https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-study

  3. Insurer Report Card. CRASH Network. (2025).
    https://www.crashnetwork.com/irc/