Find Cheaper Iowa Car Insurance Rates in 2024

Enter your Iowa zip code below to view companies that have cheap auto insurance rates.

Projected insurance rates in Iowa for 2024 are $950 a year for full coverage insurance. Comprehensive, collision, and liability cost approximately $212, $386, and $246, respectively. Council Bluffs and Sioux City have more expensive car insurance rates, and the two companies who insure the most vehicles in Iowa are State Farm and Progressive.

Average rate for full coverage: $950

Premium estimates by type of coverage:

Comprehensive $212
Collision $386
Liability $246

40-year-old driver, full coverage with $500 deductibles, and good driving record

Cost of Auto Insurance in Iowa

For an average driver, Iowa insurance rates go from the low end price of $292 for your basic liability-only policy to the much higher price of $2,054 for a driver required to buy high-risk insurance.

Liability Only $292
Full Coverage $950
High Risk $2,054

These price differences illustrate why everyone should compare prices using their specific location, instead of depending on rates averaged for all U.S. states.

Use the form below to get accurate rates for your location.

Enter your Iowa zip code below to view companies that have cheap auto insurance rates.

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Iowa car insurance rate comparison chart
Column chart showing Iowa car insurance prices range from $545 to $3,494 for full coverage

The chart estimates Iowa auto insurance prices for different risks and coverage choices. The cheapest discount price is $545. Drivers choosing higher $1,000 deductibles will pay $814. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $950. Selecting more expensive $100 deductibles for physical damage coverage could cost up to $1,214. If you have multiple accidents and violations you could be charged around $2,054. The rate for full coverage insurance for a teenager can be as high as $3,494.

Insurance prices in Iowa also range considerably based on your vehicle choice, your age and driving record, and physical damage deductibles and liability limits.

Opting for high physical damage deductibles could cut prices by as much as $400 annually, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise prices by up to $222 more each year. View Rates by Deductible or Liability Limit

The city you live in has a huge impact on auto insurance prices. Less congested rural areas could see prices as low as $700 a year, whereas some neighorhoods in Council Bluffs and Sioux City may have prices as high as $1,300. Even different neighborhoods with close proximity in the same city can have significantly different rates.

These geographic rate differences demonstrate the significance of getting rates for your specific Iowa zip code.

View Chart as Image

Iowa insurance rates by city

The make and model of vehicle you drive is a large factor when calculating the price of auto insurance coverage in Iowa. Buying a cheaper and safer model will be cheaper to insure primarily due to cheaper repair costs and lower severity of accident injuries.

This table shows car insurance premium estimates for the most popular vehicles in Iowa.

Iowa Auto Insurance Rates for Popular Vehicles
Make and Model Premium % to Avg
Chevrolet Silverado $1,002 5.2%
Dodge Ram $1,028 7.6%
Ford Escape $790 -20.3%
Ford Focus $918 -3.5%
Ford Fusion $1,006 5.6%
Ford F-150 $894 -6.3%
GMC Acadia $874 -8.7%
GMC Sierra $986 3.7%
Honda Accord $886 -7.2%
Honda Civic $1,038 8.5%
Honda CR-V $768 -23.7%
Honda Pilot $902 -5.3%
Hyundai Sonata $962 1.2%
Kia Optima $982 3.3%
Nissan Altima $978 2.9%
Nissan Rogue $954 0.4%
Toyota Camry $968 1.9%
Toyota Corolla $946 -0.4%
Toyota Prius $882 -7.7%
Toyota RAV4 $894 -6.3%
Get Rates for Your Vehicle Quote Now

Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
View additional vehicles

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,100 to $1,500 additional every year, depending on your age. Insurance for high-risk drivers can be from 43% to 129% more than the average rate. View High Risk Driver Rates

Your auto insurance company affects the cost of coverage. Each company has their own rate formula, and prices have large differences based upon different risk factors. In Iowa, car insurance prices range from $676 with USAA to as much as $2,126 with Safeco. Companies like Partners Mutual, Western National, and Allied fall somewhere in between.

These are probably not the prices you would have to pay, as your Iowa zip code, your driving history, and your vehicle make and model have to be considered.

Iowa Auto Insurance Companies by Market Share and Average Rate
Rank Company Market Share Average Rate
1 State Farm 22.15% $909
2 Progressive 15.39% $1,095
3 Nationwide 11.08% $795
4 Iowa Farm Bureau 7.08% $966
5 American Family 6.36% $1,191
6 Grinnell Mutual 4.14% $1,218
7 Allstate 3.42% $1,697
8 Geico 3.36% $1,024
9 IMT Mutual 3.35% $1,325
10 Farmers Insurance 2.14% $1,076
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Prices are highest for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,400 a year. View Rates by Age

Because prices have so much variability, the only way to figure out which insurance company is cheapest is to regularly compare prices from multiple companies. Each insurance company utilizes a different rate formula, and rates will be varied.

Rates by Driver Age

Iowa Insurance Rates by Driver Age
Driver Age Premium
16 $3,494
20 $2,192
30 $994
40 $950
50 $866
60 $850

Full coverage, $500 deductibles

Rates by Deductible

Iowa Car Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,214
$250 $1,090
$500 $950
$1,000 $814

Full coverage, driver age 40

Rates by Liability Limit

Iowa Car Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $950
50/100 $999
100/300 $1,061
250/500 $1,221
100 CSL $1,024
300 CSL $1,159
500 CSL $1,258

Full coverage, driver age 40

Rates for High Risk Drivers

Iowa Car Insurance Rates for High Risk Drivers
Age Premium
16 $4,990
20 $3,482
30 $2,100
40 $2,054
50 $1,956
60 $1,938

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $132

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $51
Multi-vehicle $49
Homeowner $13
5-yr Accident Free $71
5-yr Claim Free $61
Paid in Full/EFT $45
Advance Quote $47
Online Quote $68
Total Discounts $405
Rate after discounts $545

Discounts are estimated and may not be available from every company or in every state.

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