- How much is car insurance in Iowa?
- Iowa car insurance rates by company
- Iowa car insurance costs by coverage level
- Iowa car insurance by driver profile
- Iowa car insurance rates by age group
- How much does car insurance cost in Iowa per month?
- Iowa car insurance discounts
- Car insurance requirements in Iowa
- Car insurance rates in Iowa by model year
- Compare auto insurance rates by city in Iowa
- Car insurance premium trends in Iowa
- Methodology
- Compare Iowa car insurance rates with other states
How much is car insurance in Iowa?
The average cost of full coverage car insurance in Iowa is $1,630 per year. But these rates can differ depending on factors like your age, the coverage you choose, your driving record and the type of car you drive.
For example, younger drivers usually pay more for car insurance, and people with bad driving records do, too.
Iowa drivers who choose to carry only the minimum car insurance will pay $260 on average. But this doesn't include collision or comprehensive coverage, so if you cause an accident, you'd have to pay for damage to your own car yourself.
"While most of us are reviewing our household budgets to see where we may be able to cut corners, your car insurance policy shouldn't be one of them. If you are considering saving money buying a liability-only auto insurance policy, the minimum legal coverage in most states, think first about what it will cost you when you need to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. for any injuries or damage to your vehicle other than those of the other victims when you cause a crash," says Carole Walker, executive director of the Rocky Mountain Insurance Association, a nonprofit consumer insurance information organization.
| Average annual premium | $1,630 |
| Average monthly premium | $136 |
Iowa car insurance rates by company
Every car insurance company sets car insurance rates differently. Some focus more on age, while others pay closer attention to driving records. That's why car insurance rates in Iowa can differ greatly from one company to another.
On average, Progressive has the lowest car insurance rates in Iowa. The table below shows average car insurance rates in Iowa from top-rated companies for different coverage levels.
| Company | State minimum | Liability-only | Full coverage |
|---|---|---|---|
| Progressive | $174 | $249 | $1,589 |
| Auto-Owners | $189 | $219 | $1,461 |
| State Farm | $199 | $258 | $1,306 |
| West Bend Insurance Company | $199 | $230 | $1,311 |
| IMT Insurance | $232 | $244 | $1,634 |
| GEICO | $254 | $325 | $1,716 |
| Iowa Farm Bureau | $262 | $304 | $1,796 |
| Travelers | $310 | $369 | $1,238 |
| Grinnell Mutual | $362 | $468 | $2,591 |
| Allstate | $508 | $591 | $2,126 |
| USAA | $166 | $264 | $1,165 |
Iowa car insurance costs by coverage level
Generally, Iowa minimum car insurance is the cheapest option. However, it won't protect you or your vehicle, even if you increase your limits. Although full coverage is more expensive, it includes collision and comprehensive coverages, which pay for damages to your car from an accident or events like severe weather.
Compare Iowa car insurance costs based on coverage level below.
| State minimum car insurance | $260 |
| Liability-only car insurance | $320 |
| Full coverage car insurance | $1,630 |
Iowa car insurance by driver profile
Car insurance companies use your driving record to help determine rates since it indicates how likely you are to file a claim. Drivers with DUIs, multiple accidents or a history of reckless driving have significantly higher insurance rates.
In most states, credit history also affects car insurance rates. Statistically, drivers with a lower credit score are more likely to file a claim instead of paying out of pocket for damages.
This table compares average car insurance rates in Iowa based on driver profiles. The highest rates in Iowa are for drivers with Bad credit.
| Profile groups | Average annual premium | Annual premium for profile | $ Increase | % Increase |
|---|---|---|---|---|
| At-fault accident | $1,630 | $2,366 | $736 | 45% |
| Bad credit | $1,630 | $3,402 | $1,772 | 109% |
| Careless driving | $1,630 | $2,288 | $658 | 40% |
| Claims | $1,630 | $1,729 | $99 | 6% |
| DUI | $1,630 | $2,541 | $911 | 56% |
| Reckless driving | $1,630 | $2,544 | $914 | 56% |
| Speeding | $1,630 | $2,164 | $534 | 33% |
| Texting ticket | $1,630 | $2,037 | $407 | 25% |
Iowa car insurance rates by age group
Age can significantly impact car insurance rates. Younger, less experienced drivers see the highest Iowa car insurance rates. Rates decrease considerably with age and experience behind the wheel.
The table below shows average Iowa car insurance rates by age.
| Age group | Full coverage car insurance |
|---|---|
| Teens (16-19) | $4,422 |
| Young Adults (20-24) | $2,575 |
| Adults (25-60) | $1,629 |
| Seniors (65-75) | $1,468 |
How much does car insurance cost in Iowa per month?
The average monthly cost of Iowa car insurance varies based on the amount of coverage you choose. While the minimum required car insurance is the cheapest, full coverage offers more protection at a higher rate.
| Coverage level | Average monthly premium |
|---|---|
| State Minimum BI/PD | $22 |
| Liability Only - 50/100/50 BI/PD | $27 |
| Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll | $136 |
Iowa car insurance discounts
Which car insurance discounts are available and how much savings drivers can expect depend on the state and the company. So, savings may vary considerably from company to company in Iowa.
Check out the available car insurance discounts in Iowa below and see how much you can save on average.
| Discount type | Premium before discount | Premium after discount | $ Saving |
|---|---|---|---|
| Air Bags | $1,895 | $1,890 | $5 |
| Anti-Theft Device | $1,895 | $1,858 | $37 |
| Daily Commute | $1,895 | $1,725 | $170 |
| Days Advanced Purchase | $1,895 | $1,766 | $129 |
| Days Per Week Driven | $1,895 | $1,795 | $100 |
| Education | $1,895 | $1,782 | $113 |
| Electronic Funds Transfer | $1,895 | $1,811 | $84 |
| Homeowner | $1,895 | $1,762 | $133 |
| Lower Annual Mileage | $1,895 | $1,777 | $118 |
| Loyalty - Years Renewal With Company | $1,895 | $1,789 | $106 |
| Marital Status | $1,895 | $1,765 | $130 |
| Multi Policy | $1,895 | $1,714 | $181 |
| Paperless/Electornic Documents | $1,895 | $1,829 | $66 |
| Payment Type | $1,895 | $1,711 | $184 |
| Primary Use | $1,895 | $1,708 | $187 |
| Profession | $1,895 | $1,583 | $312 |
| Safety Devices | $1,895 | $1,852 | $43 |
| Telematics | $1,895 | $1,654 | $241 |
| Years Insured | $1,895 | $1,551 | $344 |
| Years Licensed | $1,895 | $1,426 | $469 |
Car insurance requirements in Iowa
Iowa requires drivers to have a minimum amount of car insurance, including:
- 20/40/15 in liability coverage to help pay for injuries and property damage you cause in an accident.
Keep in mind that the minimum coverage required by Iowa is just the bare minimum. Experts suggest raising your limits and adding extra coverage like collision and comprehensive to better protect yourself. Having enough coverage can give you peace of mind while driving.
| State minimum requirements | 20/40/15 |
| State minimum car insurance | $260 |
| Liability-only car insurance | $320 |
| Full coverage car insurance | $1,630 |
Car insurance rates in Iowa by model year
The car you drive also impacts car insurance rates in Iowa. For example, newer cars usually cost more to fix because they have pricey parts like collision warning systems, cameras and anti-theft features.
Take a look below to see how the car's model and age can change car insurance rates in Iowa.
| Company | Style | Average annual premium |
|---|---|---|
| State Farm | 2WD 4 Door Sedan Automatic Turbo | $1,022 |
| Nationwide | 2WD 4 Door Sedan Automatic Turbo | $1,450 |
| GEICO | 2WD 4 Door Sedan Automatic Turbo | $1,672 |
| Progressive | 2WD 4 Door Sedan Automatic Turbo | $1,765 |
| Farmers | 2WD 4 Door Sedan Automatic Turbo | $2,119 |
| Allstate | 2WD 4 Door Sedan Automatic Turbo | $2,167 |
Compare auto insurance rates by city in Iowa
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claim costs, weather and more. That means where you live in Iowa will impact what you pay. Below, we've gathered Iowa car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Altoona | $1,441 |
Atkins | $1,618 |
Des Moines | $1,585 |
Car insurance premium trends in Iowa
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. trends in Iowa to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
Insurance.com commissioned car insurance rates from Quadrant Data Systems in late 2023 for all 50 states and Washington, D.C. Base rates were fielded based on a 40-year-old driver with a clean record and good credit, driving a 2023 Honda Accord LX. Additional rates were fielded for multiple driver profiles including tickets, accidents and various credit tiers. Coverage levels include state minimum, 50/100/50 liability only, and full coverage at 100/300/100 liability limits with $500 deductibles. Rates were fielded from 34,588 ZIP codes and 170 insurance companies.
Compare Iowa car insurance rates with other states
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