Best car insurance companies in Iowa

Fact-checked with HomeInsurance.com

    Article Highlights

    For drivers looking for the best car insurance in Iowa, we have provided an overview of the top providers by market share. Our report includes a look at what the average rates are for Iowa and how these rates are affected by your driving record. You can also compare rates by provider and major cities in Iowa.

    The average Iowa driver pays $1,113 per year for insurance, which breaks down to about $92 each month for 12 months of coverage. In comparison, the national average car insurance rate in the United States is $1,555 per year for a 12 month, full coverage policy. The average minimum coverage rate across the U.S. is $545 for a 12 month premium.

    While these rates may be useful in your comparison-shopping, please keep in mind that the following rates represent averages for Iowa and may not reflect your actual premium quote.

    Iowa Quickfacts

    • Cheapest carrier for full coverage in Iowa is GEICO: $806
    • Cheapest carrier for minimum coverage in Iowa is Pekin: $180
    • Carrier with highest customer satisfaction in Iowa: USAA
    • Number of uninsured drivers in Iowa: 8.7%
    • Iowa is on the lower end for car insurance rates

    Average cost of car insurance in Iowa

    Clean record 1 speeding ticket 1 accident
    Full coverage$1,122$1,288$1,523
    Minimum coverage$274$312$371

    Quadrant data services, 2020

    Best car insurance companies in Iowa

    Average annual premiums by insurance carrier

    Company Full coverage rate Minimum coverage rate
    Allstate$1,381$435
    GEICO$806$204
    Progressive$1,142$267
    State Farm$967$252
    USAA$1,011$215
    American Family$1,061$453
    Auto-Owners$993$187
    Pekin$827$180
    Iowa Farm Bureau$1,070$250
    Grinnell Mutual$1,536$285

    Quadrant data services, 2020

    Car insurance rates in Iowa by city

    City Full coverage annual rate Minimum coverage annual rate
    Des Moines$1,142$309
    Cedar Rapids$1,101$284
    Davenport$1,158$310
    Sioux City$1,209$304
    Iowa City$1,014$252

    Quadrant data services, 2020

    Methodology

    Coverage Utilizes Quadrant Information Services to analyze quoted rates from thousands of zip codes across all 50 states, using the top 15 carriers by premiums written by state. Quoted rates are based around the profiles of a 30 year male and female with clean driving records, good credit and the following full coverage details:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting 5 days a week and driving 12,000 miles per year.

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