Cheapest Car Insurance In Iowa For 2025
GEICO offers the cheapest car insurance in Iowa, with average annual rates of $240 for minimum coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re searching for the cheapest car insurance in Iowa, GEICO stands out as the most affordable option for minimum coverage, at an average of $240 per year, which is lower than the national average of $637.
Drivers in Iowa looking for full coverage car insurance can find the lowest rates with Hastings Mutual, averaging $1,416 per year. This is significantly lower than the national average of $2,401.
Key Takeaways
Geico & Pekin provide the cheapest car insurance policies in Iowa, on average.
The average cost of car insurance in Iowa ranges between $120-$170 per month.
Discounts are a good way to reduce your car insurance premium.
Cheapest Car Insurance Companies In Iowa 2025
Cheapest Car Insurance In Iowa For Minimum Coverage – GEICO
Minimum coverage in car insurance represents the most fundamental level of protection, aligning with the legal mandates set by the state of Iowa.
GEICO offers the cheapest minimum coverage car insurance in Iowa, with average monthly premiums of $20.
| Provider | Average Monthly Cost | Average Annual Cost |
| Geico | $20 | $240 |
| IMT Insurance | $26 | $312 |
| Pekin Insurance | $22 | $264 |
| State Farm | $27 | $324 |
| West Bend Mutual | $25 | $300 |
Cheapest Car Insurance In Iowa For Full Coverage – Hastings Mutual
Full coverage car insurance encompasses a more extensive range of protection compared to minimum coverage, making it a comprehensive choice for many drivers. This type of policy typically integrates both comprehensive and collision insurance, creating a robust safety net.
Hastings Mutual has the cheapest full coverage car insurance in Iowa. You can get coverage for around $118 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $126 | $1,512 |
| Hastings Mutual | $118 | $1,416 |
| IMT Insurance | $122 | $1,464 |
| State Farm | $124 | $1,488 |
| West Bend Mutual | $120 | $1,440 |
Cheapest Car Insurance In Iowa For Drivers With Poor Credit – West Bend Mutual
Credit score plays a pivotal role in the calculation of car insurance rates, serving as a key indicator for insurers in assessing the risk profile of a driver. The underlying premise is that individuals with lower credit scores are statistically more likely to file insurance claims.
If you have poor credit, you can find the cheapest car insurance with West Bend Mutual. Premiums are around $101 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $106 | $1,272 |
| GEICO | $112 | $1,344 |
| Progressive | $117 | $1,404 |
| State Farm | $123 | $1,476 |
| West Bend Mutual | $101 | $1,212 |
Cheapest Car Insurance In Iowa For Seniors – State Farm
Car insurance for seniors in Iowa can be found at an affordable rate of $108 per month with State Farm.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $117 | $1,404 |
| GEICO | $123 | $1,476 |
| Progressive | $129 | $1,548 |
| State Farm | $108 | $1,296 |
| West Bend Mutual | $114 | $1,368 |
Seniors in Iowa have the potential to secure competitive rates for their car insurance, thanks to the various factors that work in their favor. Age can indeed be a significant factor in determining insurance premiums, with the assumption being that as drivers age, their reflexes and driving abilities might decline. However, this is not a hard and fast rule, and many seniors maintain excellent driving records well into their later years.
Cheapest Car Insurance In Iowa For Teenagers – Auto-Owners
Teenage car insurance rates in Iowa are typically the highest out of any age group, this is because teenagers have a high rate of accidents, which translates into high premiums
Auto-Owners has the cheapest rates for teens, with an average monthly premium of $168.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $168 | $2,016 |
| GEICO | $174 | $2,088 |
| Grinnell Mutual | $179 | $2,148 |
| Progressive | $185 | $2,220 |
| State Farm | $191 | $2,292 |
Cheapest Car Insurance In Iowa For Good Drivers – Auto-Owners
Good drivers, characterized by their clean driving records, are typically rewarded with lower car insurance rates. Insurance companies assess risk based on a driver’s history, and those without any violations or accidents naturally fall into the low-risk category.
Auto-Owners provides the cheapest auto insurance policy in Iowa for drivers with a clean record, at an average annual rate of $1,008.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners Insurance | $84 | $1,008 |
| Farmers Mutual of Nebraska | $86 | $1,032 |
| GEICO | $88 | $1,056 |
| State Farm | $90 | $1,080 |
| West Bend Mutual | $92 | $1,104 |
Cheapest Car Insurance In Iowa For Drivers With A Speeding Ticket – Auto-Owners
Auto-Owners has average premiums of $139, making it the cheapest option for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners Insurance | $139 | $1,668 |
| Farmers Mutual of Nebraska | $144 | $1,728 |
| Progressive | $149 | $1,788 |
| State Farm | $153 | $1,836 |
| West Bend Mutual | $158 | $1,896 |
Cheapest Car Insurance In Iowa For Drivers With An At-Fault Accident – Auto-Owners
Auto-Owners has average premiums of $137, making it the cheapest option for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners Insurance | $137 | $1,644 |
| Farmers Insurance | $141 | $1,692 |
| Progressive | $145 | $1,740 |
| State Farm | $149 | $1,788 |
| West Bend Mutual | $153 | $1,836 |
Cheapest Car Insurance In Iowa For Drivers After A DUI – State Farm
State Farm has average premiums of $81, making it the cheapest option for drivers with a DUI on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $109 | $1,308 |
| GEICO | $149 | $1,788 |
| IMT Insurance | $151 | $1,812 |
| Progressive | $113 | $1,356 |
| State Farm | $81 | $972 |
Average Cost Of Car Insurance In Iowa – By Age
An 18-year-old driver in Iowa can expect to pay around $3,780 per year for their insurance, while a 35-year-old driver will only pay around $2,100.
Your age plays a significant role in determining your car insurance rate. Young drivers typically pay the highest premiums, with rates dropping as you get older.
| Age | Average Monthly Cost | Average Annual Cost |
| 16 | $355 | $4,260 |
| 17 | $335 | $4,020 |
| 18 | $315 | $3,780 |
| 19 | $295 | $3,540 |
| 21 | $255 | $3,060 |
| 25 | $215 | $2,580 |
| 35 | $175 | $2,100 |
| 45 | $165 | $1,980 |
| 55 | $160 | $1,920 |
| 65 | $170 | $2,040 |
| 75 | $200 | $2,400 |
Average Cost Of Car Insurance In Iowa – By City
Drivers in Council Bluffs typically pay around $1,512 per year, while drivers in Ames may find rates around $1,380.
The city that your home is in greatly affects your car insurance premiums. Cities usually have higher risks of theft and accidents.
| City | Average Monthly Rate | Average Annual Cost |
| Ames | $115 | $1,380 |
| Ankeny | $118 | $1,416 |
| Cedar Rapids | $123 | $1,476 |
| Council Bluffs | $126 | $1,512 |
| Davenport | $124 | $1,488 |
| Sioux City | $125 | $1,500 |
| Urbandale | $122 | $1,464 |
| Waterloo | $120 | $1,440 |
Minimum Car Insurance Requirements In Iowa
Iowa drivers must have minimum car insurance with liability coverage set at 20/40/15. The minimum amount of coverage required by law is as follows:
- $20,000 for bodily injury per person
- $40,000 in bodily injury per accident
- $15,000 for property damage per accident.
Car Insurance Discounts In Iowa
While searching for car insurance, it’s wise to explore providers that present the most beneficial discounts tailored to your circumstances. Additionally, consulting with your insurance agent can reveal potential discounts that you might not be currently utilizing.
Below is further insight into the common types of discounts provided by top car insurance companies:
- Multi-policy: Bundle two or more insurance policies with the same company.
- Multi-vehicle: Insuring multiple cars under the same policy or combining auto insurance policies earns you this discount.
- Military: This generally applies to both veterans and active-duty military members.
- Senior: This often applies to policyholders who are 55 or older.
- Homeowners: If you own a home, you may qualify for this discount.
- Good student: This discount is usually for college and high school students under 25 who maintain a B average in their courses.
- Good driver: You can save money by maintaining a clean driving record (with no at-fault accidents, DUI, or traffic tickets in the last three years).
- Defensive driving: Those who take a qualifying defensive driving course get a discount.
- Driver training: Get a discount by taking a driver education training course.
- New car: Drivers who purchase new cars, typically no more than three model years old, get a discount.
- Safe car: This applies if your vehicle has safety features like anti-theft technology.
- Paperless: Receive a discount by opting to receive your documents through email.
- Pay-in-full: Save on your car insurance premium by paying in full up front.
Compare Rates To Other U.S. States
| State | Average Annual Premium |
| Alabama | $1,777 |
| Alaska | $1,576 |
| Arizona | $1,873 |
| Arkansas | $1,923 |
| California | $2,462 |
| Colorado | $2,139 |
| Connecticut | $1,834 |
| Delaware | $2,076 |
| Florida | $2,576 |
| Georgia | $1,974 |
| Hawaii | $1,546 |
| Idaho | $1,362 |
| Illinois | $1,672 |
| Indiana | $1,502 |
| Iowa | $1,488 |
| Kansas | $1,704 |
| Kentucky | $2,095 |
| Louisiana | $3,019 |
| Maine | $1,413 |
| Maryland | $1,991 |
| Massachusetts | $1,664 |
| Michigan | $2,199 |
| Minnesota | $1,702 |
| Mississippi | $1,892 |
| Missouri | $1,944 |
| Montana | $1,873 |
| Nebraska | $1,653 |
| Nevada | $2,211 |
| New Hampshire | $1,314 |
| New Jersey | $1,984 |
| New Mexico | $1,799 |
| New York | $2,281 |
| North Carolina | $1,432 |
| North Dakota | $1,623 |
| Ohio | $1,487 |
| Oklahoma | $2,062 |
| Oregon | $1,659 |
| Pennsylvania | $1,879 |
| Rhode Island | $2,174 |
| South Carolina | $1,944 |
| South Dakota | $2,376 |
| Tennessee | $1,615 |
| Texas | $1,983 |
| Utah | $1,784 |
| Vermont | $1,253 |
| Virginia | $1,531 |
| Washington | $1,703 |
| West Virginia | $1,726 |
| Wisconsin | $1,536 |
| Wyoming | $1,646 |
FAQs
How much is car insurance a month in Iowa?
The monthly cost of car insurance in Iowa varies widely but typically ranges from $120 to $170. Factors influencing the price include your driving record, type of coverage, and the make and model of your vehicle.
Which car insurance is better in Iowa?
The “best” insurance in Iowa depends on individual needs. Geico & Pekin are both popular for their affordability and customer service,
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Iowa.
This is an informed perspective, honed by over 15 years of personal involvement in the industry as a licensed casualty insurance agent in Iowa, countless interactions with representatives from various companies, and insights gleaned from firsthand experience buying car insurance in Iowa.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
