What is the best car insurance company in Iowa?

Selecting the best car insurance company in Iowa largely hinges on your specific situation and preferences. Important considerations may include having a DUI on your record, desiring a usage-based policy because of limited driving, seeking a company with 24/7 customer access or looking for specialized coverages like roadside assistance or rental car provisions. As each individual's circumstances differ, it's crucial to first pinpoint what's essential for you. Once identified, gather quotes from multiple insurers that align with those needs, making sure to thoroughly compare the coverages and premiums they offer.

How do I get the cheapest car insurance in Iowa?

Depending on your circumstances, there may be several strategies to consider for how to save on car insurance in Iowa. For starters, you may want to consider switching carriers to find one of the cheapest car insurance companies. Beyond finding a more affordable carrier, you can also look at potential discounts with your current carrier, consider lowering your coverage amounts or increasing your deductible. Over a more extended period, driving safely and maintaining a clean record can significantly impact maintaining low average rates.

What is the average cost of car insurance in the U.S.?

The average annual cost of car insurance in the U.S. is $806 for minimum coverage and $2,671 for full coverage, compared to Iowa’s rates at $335 per year for minimum coverage and $1,932 per year for full coverage car insurance. However, your premium will vary based on your individual rating factors, like your age, gender, ZIP code, driving history, the type of car you drive and the coverage types you choose.

What kind of car insurance do I need if I hit a deer?

A state’s minimum required insurance does not cover the cost of repairs to your vehicle if you strike a deer or other wildlife while driving. To cover the cost of hitting an animal, you will need comprehensive coverage, sometimes called “other than collision” coverage. Fortunately, full coverage car insurance policies generally include both, so you are financially protected against collisions, damage from bad weather, striking animals, theft, vandalism and fire.

How much does car insurance in Iowa cost?

Rates can vary significantly between drivers, circumstances and carriers. However, on average, full coverage in Iowa costs $1,932 per year, while minimum coverage costs an annual average of $335. Your rates will depend on several personal factors like age, gender, credit score, driving record, vehicle, zip code and more. Your rates could be higher or lower than the average, depending on where you are with these variables. Still, Iowa is relatively cheap compared to the national average of $2,671 and $806 for full and minimum coverage, respectively. To find the lowest rates you can, it’s important to compare quotes from several carriers and to pursue discounts and other savings where possible.

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Cheapest car insurance in Iowa for 2025

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The cheapest car insurance companies in Iowa

If you’re in the market for car insurance or looking to switch companies, it helps to know what costs you can expect. Utilizing data from Quadrant Information Services, the insurance editorial team at Bankrate—including licensed agents—analyzed local rates to determine the cheapest car insurance companies in Iowa. In this process, Bankrate found that the annual average cost of full coverage in Iowa was $1,932, while minimum coverage cost a yearly average of $335. Of course, it may be possible to beat the average and find more affordable rates on cheap auto insurance in Iowa.

Key takeaways

Cheapest company for minimum coverage: Pekin
Cheapest company for full coverage: Hastings Mutual
Cheapest company for drivers with prior incidents: Geico and Pekin
Cheapest company for young drivers: Geico and Progressive

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Cheapest car insurance in Iowa for minimum coverage

When considering the cheapest car insurance in Iowa, many drivers opt for a liability-only or minimum coverage policy to save on premiums. This option covers the state-required basics, ensuring you're legally protected when driving. However, while it may be more affordable upfront, it's worth noting that minimum coverage may not provide comprehensive protection in all accident scenarios. Among the available options, Pekin stands out as offering the most competitive rates. For those seeking the cheapest minimum coverage in the state, here are several more options to consider:


Pekin	$17	$202	-133
Geico	$17	$208	-127
Hastings Mutual	$19	$227	-108
USAA	$20	$239	-96
Progressive	$20	$245	-90

Minimum coverage requirements for Iowa drivers

Iowa, like minimum liability limits of:

$20,000 bodily injury per person
$40,000 bodily injury per accident
$15,000 property damage per accident

Insurers are required to offer uninsured motorist coverage and underinsured motorist coverage at $20,000 and $40,000, respectively, but individuals can reject this coverage in writing if they prefer.

Keep in mind that the minimum required coverage only pays for injuries and damages you cause to others. If you need coverage for damages to your own vehicle, you will need to upgrade your car insurance by adding collision and comprehensive insurance. This is referred to as “full coverage.” While minimum coverage insurance can be less expensive than full coverage, most insurance professionals encourage drivers to purchase higher liability limits if they are able to do so. If the damages from an at-fault loss exceed the amount of liability coverage you carry, you will be responsible for paying the difference out of pocket.

Cheapest car insurance in Iowa for full coverage

If you’re looking for peace of mind that comes from having a robust insurance policy, you will likely have to pay more than you would for a minimum coverage policy, but you’ll typically get collision and comprehensive coverage. These additional insurance products provide coverage for a wider range of claims. Of the insurance companies we reviewed, several stood out for their full coverage policies being affordable:


Hastings Mutual	$77	$926	-1006
USAA	$113	$1,351	-581
Geico	$113	$1,357	-575
Pekin	$113	$1,360	-572
State Farm	$120	$1,442	-490

Cheapest car insurance in Iowa for drivers with prior incidents

Driving history plays a significant role in determining car insurance premiums. In Iowa, like in many states, drivers with prior incidents such as accidents, speeding tickets or DUIs can expect to see their rates rise. These incidents often categorize drivers as "high-risk," leading insurers to charge higher premiums to offset potential claims. However, even with a blemished record, there are insurance providers in the state that offer competitive rates. It's crucial for such drivers to shop around, understand their options and find the best balance between coverage and affordability.

Cheapest car insurance for drivers with a ticket: Geico
Cheapest car insurance for drivers with an at-fault accident: Hastings Mutual
Cheapest car insurance for high-risk drivers: Progressive

Cheapest insurance companies for drivers in Iowa with a speeding ticket:

Receiving a speeding ticket conviction is a red flag to insurers that can significantly increase your rates. Still, some companies are more lenient on these infractions than others. Below are the five cheapest car insurance companies in Iowa for drivers who have been convicted of speeding:


Geico	$231	$1,542
Pekin	$251	$1,669
Progressive	$280	$2,025
Hastings Mutual	$295	$1,104
USAA	$300	$1,689

Cheapest car insurance for drivers in Iowa with an at-fault accident: Hastings Mutual

Being deemed at fault for an accident can be costly in the short and long term. Causing an auto accident, depending on the insurer and other variables, can severely impact your premiums. How much will depend on the insurer and the size of the claim filed, on top of additional details regarding how the accident occurred. However, some companies penalize these instances less than others. Below are the five cheapest car insurance companies in Iowa for drivers who have been at fault for a car accident:


Hastings Mutual	$232	$947
Pekin	$275	$1,791
Progressive	$327	$2,162
Geico	$350	$2,271
State Farm	$359	$1,777

Cheapest car insurance in Iowa for high-risk drivers: Progressive

cheapest car insurance companies in Iowa for high-risk drivers:


Progressive	$274	$1,845
Western National	$435	$3,916
Pekin	$448	$2,745
USAA	$498	$2,800
Geico	$514	$3,430

Bankrate’s take: Securing car insurance after a DUI can be challenging in Iowa. Not every insurer will offer coverage to those with DUI convictions due to the elevated risk they represent. A DUI indicates to insurers that a driver might be more prone to future incidents, resulting in possible substantial claims. If you're navigating this situation, you might encounter the requirement for an SR-22 — a certificate your insurer files with the state proving you have the minimum coverage. It's essential for drivers with DUIs in Iowa to ensure they adhere to state car insurance criteria, including obtaining an SR-22 if mandated, to avoid further legal issues. Being informed about these stipulations will aid in maintaining proper insurance coverage and regaining driving privileges.

Cheapest car insurance for young drivers in Iowa

In Iowa, young adult drivers often face steeper car insurance premiums compared to their older counterparts. Their limited driving experience combined with statistical data showing a higher likelihood of being involved in accidents means insurance companies often deem them a higher risk. This age group, particularly those in their late teens to early 20s, may encounter rates that reflect these concerns. It's essential for young drivers in Iowa to be aware of this trend, but also to know that with time and a clean driving record, their rates can decrease as they age and gain more driving experience.

Cheapest car insurance for insuring a teen driver: Geico
Cheapest car insurance for teens with a ticket: Hastings Mutual
Cheapest car insurance for teens with an at-fault accident: Hastings Mutual
Cheapest car insurance for young drivers with a DUI: Progressive

Cheapest Iowa car insurance for insuring a teen driver: Geico

good grades or complete driver education programs. These discounts can be a financial relief for parents and guardians, providing an incentive for young drivers to excel academically and prioritize safe driving habits.

Still, it’s often cheaper to insure a teen on their parents’ policy than to rate them on their own. Below are the five cheapest car insurance companies in Iowa for adding a teen driver to your policy.


Geico	$475	$2,830
Progressive	$493	$2,343
Pekin	$525	$2,463
Hastings Mutual	$550	$2,203
State Farm	$723	$2,962

Bankrate’s take: Insurers use various methodologies when calculating rates for teen drivers, often centered around perceived risks associated with inexperience on the road. Teenagers, by virtue of their limited driving history, lack the track record that demonstrates safe driving habits. This unknown often translates to them being seen as potential liabilities, hence the elevated premiums. Insurers use past data and risk models to determine that younger drivers, on average, are more likely to be involved in accidents or make claims. This perception of higher risk is why insurance costs tend to be higher for teens, even if they are added to an established policy.

Cheapest Iowa car insurance for teens with a ticket: Hastings Mutual

In Iowa, a speeding ticket on a teen driver's record can drastically affect insurance premiums. Insurers perceive these infractions as a sign of recklessness, particularly in younger drivers. Yet, for those searching for budget-friendly options, Hastings Mutual stands out as the most economical choice.


Hastings Mutual	$786	$3,032
Progressive	$815	$5,720
Geico	$852	$4,917
State Farm	$974	$4,231
Pekin	$1,074	$4,527

Cheapest Iowa car insurance for teens with an at-fault accident: Hastings Mutual

A teen's at-fault accident can significantly impact car insurance rates. Such incidents underscore the vulnerabilities of young, less experienced drivers, making them a heightened risk in the eyes of insurers. As a result, premiums often rise sharply after such incidents. Despite this, Hastings Mutual emerges again as a beacon of affordability, offering some of the most competitive rates for teens with at-fault accidents in the state.


Hastings Mutual	$725	$2,894
Progressive	$845	$5,830
Geico	$992	$5,604
State Farm	$1,097	$4,649
Pekin	$1,147	$4,882

Bankrate’s take: Iowa operates under a tort system, which means that the state determines fault in the event of an accident. The party deemed at-fault is responsible for covering the damages caused to the other party. This is why having appropriate liability coverage is crucial for drivers in the state. Additionally, while accident forgiveness isn't a state-mandated offering, many insurers in Iowa do offer it as a feature. This can be beneficial for drivers, as it may prevent their premiums from increasing after their first at-fault accident, though conditions often apply.

Cheapest Iowa car insurance for young drivers with a DUI: Progressive

Young drivers caught with a DUI face severe penalties, both legally and in terms of their insurance premiums. As they are already perceived as high-risk due to their age and inexperience, a DUI amplifies this risk perception for insurers. However, Progressive emerges again, offering some of the most affordable rates for young drivers who have been convicted of a DUI.


Progressive	$399	$2,461
Geico	$678	$4,487
USAA	$892	$4,642
Western National	$945	$7,009
Pekin	$967	$4,721

Cheapest car insurance rates by city in Iowa

The city you call home in Iowa can significantly influence your car insurance rates. Factors like repair costs, frequency of traffic accidents and the average vehicle value can differ widely from one city or ZIP code to another. In the tables below, we’ve collected the cities with the most affordable cheap insurance in Iowa:

Cheapest cities in Iowa for car insurance


Bernard	$300	Hastings Mutual	$112
Charles City	$289	Hastings Mutual	$94
Colwell	$280	Hastings Mutual	$94
Durango	$309	Hastings Mutual	$112
Cascade	$293	Hastings Mutual	$112

Cheapest car insurance in larger cities in Iowa


Des Moines	$422	Geico	$234
Davenport	$410	Hastings Mutual	$194
Iowa City	$327	Hastings Mutual	$172
Sioux City	$405	Pekin	$243
Cedar Rapids	$379	Geico	$222

Car insurance discounts in Iowa

Car insurance discounts are often one of the simplest ways to save on car insurance in Iowa or elsewhere. While discounts and eligibility differ between companies, there are several common types of car insurance discounts to consider. Below are some of the more commonly available discounts that may help with Iowa car insurance savings:

Young drivers discounts: Some companies offer discounts for young drivers receiving good grades, whether in high school or college. Young drivers might also be eligible for an away at school discount if they attend a college that’s more than 100 miles from home.
Safe driver discounts: Drivers who maintain a clean driving record for multiple years may be eligible for a discount based on their lack of driving infractions. Some insurance providers also give discounts for completing approved defensive driving courses.
Safety device discounts: Some insurers offer discounts on vehicles that have added safety devices to prevent theft, injury or damage. For example, safety features like anti-lock brakes, passive restraints, and air bags may qualify for a discount.
Pay-in-full discounts: Your insurer may offer a discount if you pay up-front for the entire year of premiums. Some insurers also offer discounts for paperless billing or requesting quotes online.
Affiliate discounts: You may qualify for a discount based on military service or membership in a specific industry like education, law enforcement or healthcare.

Frequently asked questions

Selecting the best car insurance company in Iowa largely hinges on your specific situation and preferences. Important considerations may include having a DUI on your record, desiring a usage-based policy because of limited driving, seeking a company with 24/7 customer access or looking for specialized coverages like roadside assistance or rental car provisions. As each individual's circumstances differ, it's crucial to first pinpoint what's essential for you. Once identified, gather quotes from multiple insurers that align with those needs, making sure to thoroughly compare the coverages and premiums they offer.
Depending on your circumstances, there may be several strategies to consider for finding a more affordable carrier, you can also look at potential discounts with your current carrier, consider lowering your coverage amounts or increasing your deductible. Over a more extended period, driving safely and maintaining a clean record can significantly impact maintaining low average rates.
The average annual cost of car insurance in the U.S. is $806 for minimum coverage and $2,671 for full coverage, compared to Iowa’s rates at $335 per year for minimum coverage and $1,932 per year for full coverage car insurance. However, your premium will vary based on your individual rating factors, like your age, gender, ZIP code, driving history, the type of car you drive and the coverage types you choose.
A state’s minimum required insurance does not cover the cost of repairs to your vehicle if you strike a deer or other wildlife while driving. To cover the cost of hitting an animal, you will need comprehensive coverage, sometimes called “other than collision” coverage. Fortunately, full coverage car insurance policies generally include both, so you are financially protected against collisions, damage from bad weather, striking animals, theft, vandalism and fire.
Rates can vary significantly between drivers, circumstances and carriers. However, on average, full coverage in Iowa costs $1,932 per year, while minimum coverage costs an annual average of $335. Your rates will depend on several personal factors like age, gender, credit score, driving record, vehicle, zip code and more. Your rates could be higher or lower than the average, depending on where you are with these variables. Still, Iowa is relatively cheap compared to the national average of $2,671 and $806 for full and minimum coverage, respectively. To find the lowest rates you can, it’s important to compare quotes from several carriers and to pursue discounts and other savings where possible.

Methodology

Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.

Written by

Ashlyn Brooks

Writer II, Insurance

Cheapest car insurance in Iowa for 2025

The cheapest car insurance companies in Iowa

Key takeaways

Compare auto insurance rates

Cheapest car insurance in Iowa for minimum coverage

Minimum coverage requirements for Iowa drivers

Cheapest car insurance in Iowa for full coverage

Cheapest car insurance in Iowa for drivers with prior incidents

Cheapest insurance companies for drivers in Iowa with a speeding ticket:

Cheapest car insurance for drivers in Iowa with an at-fault accident: Hastings Mutual

Cheapest car insurance in Iowa for high-risk drivers: Progressive

Cheapest car insurance for young drivers in Iowa

Cheapest Iowa car insurance for insuring a teen driver: Geico

Cheapest Iowa car insurance for teens with a ticket: Hastings Mutual

Cheapest Iowa car insurance for teens with an at-fault accident: Hastings Mutual

Cheapest Iowa car insurance for young drivers with a DUI: Progressive

Cheapest car insurance rates by city in Iowa

Cheapest cities in Iowa for car insurance

Cheapest car insurance in larger cities in Iowa

Car insurance discounts in Iowa

Frequently asked questions

What is the best car insurance company in Iowa?

How do I get the cheapest car insurance in Iowa?

What is the average cost of car insurance in the U.S.?

What kind of car insurance do I need if I hit a deer?

How much does car insurance in Iowa cost?

Methodology

Rates

Other profiles

Credit-based insurance scores:

Incidents:

Mileage:

Model:

Age:

Gender:

Status: