Non-owner car insurance in Iowa: Best and cheapest companies

Cheapest non-owner car insurance companies in Iowa

State Farm offers the most affordable non-owner car insurance in Iowa, with rates averaging $88. The second cheapest Iowa non-owner insurer is West Bend Insurance Company. Average rates are $138.

Compare the cheapest non-owner car insurance companies in Iowa below.

Company	Average annual premium	Average monthly premium
State Farm	$88	$7
West Bend Insurance Company	$138	$12
IMT Insurance	$140	$12
Iowa Farm Bureau	$143	$12
Grinnell Mutual	$156	$13
GEICO	$178	$15
Progressive	$229	$19
Travelers	$234	$20
USAA	$71	$6

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Best non-owner car insurance in Iowa

Although State Farm came out on top, GEICO and Travelers are also excellent choices for providing non-owner coverage.

To find the best non-owner car insurance companies in Iowa, we looked at several factors, including how many complaints each company receives, financial stability and average rates. We used rate data from Quadrant Information Services as well as third-party ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners.

The table below compares the top non-owner car insurance companies in Iowa.

Company	Average annual premium	J.D. Power	NAIC	AM Best	Overall score
State Farm	$88	833	0.70	A++	3.53
GEICO	$178	819	0.91	A++	2.78
Travelers	$234	797	0.49	A++	2.77
Progressive	$229	803	0.65	A+	2.50

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Insurance.com's top choices for non-owner car insurance

Take a closer look at our top picks for non-owner car insurance in Iowa.

State Farm

State Farm is our top choice for non-owner car insurance in Iowa. Its average annual non-owner car insurance cost is $88. State Farm has an AM Best score of A++ and a low NAIC complaint ratio of 0.7.

GEICO

GEICO is another great option for non-owner car insurance in Iowa, with average rates of $178 per year. It has an AM Best rating of A++ and a low NAIC complaint ratio of 0.91.

Travelers

Our third choice is Travelers, with an average rate of $234. It has an NAIC complaint ratio of 0.49 and an AM Best rating of A++.

PEOPLE ASK:

Do I need Iowa non-owner car insurance to drive a friend's car?

Probably not, unless you drive it frequently. Occasional use of a friend's car is covered by their insurance as permissive use, usually as long as it's less than 12 times a year. Still, it's always best to check with your friend's insurance company.

Average cost of non-owner car insurance in Iowa

The average cost of non-owner car insurance in Iowa is $153, but rates may vary based on factors such as your driving record, age, and coverage level.

Non-owner car insurance in Iowa by age and gender

Your age and gender can impact your rates, whether you're shopping for non-owner or standard car insurance in Iowa.

Age plays an important role in calculating car insurance rates. Younger drivers have less experience and are more likely to have accidents, so insurance companies charge higher rates to cover the risk.

Gender is another factor that affects car insurance rates in most states. Men are often considered higher-risk drivers and tend to have more accidents, resulting in higher premiums.

Here are the average Iowa non-owner car insurance rates by age and gender.

Age group	Female	Male
Teens (16-19)	$441	$399
Young Adults (20-24)	$238	$229
Adults (25-60)	$152	$155
Seniors (65-75)	$164	$160

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Non-owner vs. traditional car insurance

Non-owner car insurance costs less than standard car insurance because it provides minimal coverage. It only includes liability coverage, while standard auto insurance offers many additional types of coverage.

For example, non-owner car insurance in Iowa doesn't cover damage to the car you're driving or your injuries. Standard car insurance may include collision and comprehensive coverage to help pay for car repairs.

Insurance companies assume that people without a car drive less often, and because non-owner car insurance works as a backup to the owner's policy, the risk of 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. is much lower.

The table below shows a comparison of average yearly rates for non-owner and standard car insurance.

Non-owners state minimum policy	$153
Traditional state minimum policy	$260
State minimum car insurance limits	20/40/15

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What does Iowa non-owner car insurance cover?

A Iowa non-owner car insurance policy only gives you the basic coverage you need to drive legally. It meets all the minimum car insurance requirements in Iowa. But it won't pay for any damage to the car itself.

Non-owner car insurance is secondary, so it will only apply after the car owner's policy limits are exceeded.

The bottom line: Non-owner car insurance in Iowa

Drivers in Iowa may need non-owner car insurance if they frequently rent or borrow a car. This coverage only includes liability protection, which pays for property damage or injuries you cause to others. It doesn't cover you or the car you're driving.

Non-owners car insurance averages $153 in Iowa, and State Farm offers the lowest rates. In our analysis, State Farm was the top pick overall. Remember that your age, gender, and driving record significantly impact insurance rates.

Take the time to compare options to find the best non-owner car insurance in Iowa. Use the tool above to easily compare non-owner insurance providers near you.

Methodology

Insurance.com analyzed non-owner car insurance companies in 2023 to find the cheapest and the best overall based on rates and third-party ratings.

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on a 40-year-old driver with a clean record and good credit for a state minimum liability policy. These rates were one of the factors used to rank the best companies.

For additional data points in the ranking, customer complaints ratios were pulled from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume. Overall customer satisfaction ratings were drawn from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000. Finally, AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.