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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.
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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 |
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 |
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 |
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 |
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.
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 |
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 |
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 |
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.
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+ |
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:
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.
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 |
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.
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.
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.
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.
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:
2024 U.S. Auto Insurance Study. J.D. Power. (2024, June 11).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-study
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
Insurer Report Card. CRASH Network. (2025).
https://www.crashnetwork.com/irc/