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Best car insurance in Iowa for 2024
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best car insurance companies in Iowa
For the average driver, Iowa car insurance costs $1,888 per year for full coverage, while minimum coverage averages $363 per year. Although these rates are far lower than the national averages of $2,458 and $678 for full and minimum coverage, respectively, many drivers may still be looking to save on their Iowa auto insurance premiums.
We began our search for the best Iowa auto insurance companies by analyzing average rate data from Quadrant Information Services for dozens of carriers writing policies in the Hawkeye State. From there, we rounded out our list of top companies in Iowa by looking at customer satisfaction scores from J.D Power, financial strength ratings from AM Best, coverage options, discount availability and digital tools.
These factors and other key metrics were translated into a Bankrate Score for each carrier. With a maximum of five points, the Bankrate Score provides a quantitative overview of how well a carrier may be able to meet your insurance needs. Carriers with higher scores fared well in several of our rating categories.
|
|
|
|
---|---|---|---|
4.4
|
$1,433
|
$277
|
|
4.4
|
$1,310
|
$195
|
|
4.3
|
$2,074
|
$355
|
|
4.3
|
$1,531
|
$294
|
|
4.0
|
N/A
|
N/A
|
Progressive
4.4
4.4
Avg. full coverage premium
$119/mo
Avg. full coverage premium
$1,433/yr
Customer satisfaction
638/1,000
-
Why Progressive made our list: Between its mobile app and web tools, Progressive offers extensive digital management options for policies and claims. Although it doesn't offer the lowest average rates on our list, policyholders may save on their premiums with potential discounts for setting up automatic billing, bundling and enrolling in its telematics program, Snapshot. Homeowners may be particularly interested in Progressive as the carrier offers a discount for homeowners, even if they insure their home with another carrier. Progressive did come in below the segment average in the Central region of J.D. Power's customer satisfaction region, so you may want to speak with existing policyholders about their experience.
Who Progressive may be good for: Progressive may be a good fit for drivers who prefer using digital tools to access customer service and policy management.
Read full Progressive Insurance review
Geico
4.4
4.4
Avg. full coverage premium
$109/mo
Avg. full coverage premium
$1,310/yr
Customer satisfaction
622/1,000
-
Why Geico made our list: In addition to fairly low average rates in Iowa, Geico offers a long list of potential discounts that may help policyholders save on their premiums. Some advertised savings opportunities include affiliation discounts for businesses and organizations, student discounts, military service discounts and multi-vehicle savings. Although Geico doesn't have as many local agencies as some other carriers on our list, it does offer robust digital tools for policy management on the go.
Who Geico may be good for: Drivers looking for low rates and basic coverage options might consider Geico as their carrier of choice.
Read full Geico Insurance review
Auto-Owners
4.3
4.3
Avg. full coverage premium
$173/mo
Avg. full coverage premium
$2,074/yr
Customer satisfaction
663/1,000
-
Why Auto-Owners made our list: Auto-Owners is a more regional carrier, offering coverage in 26 states. Although its digital tools are not as robust as the other carriers on our list, local agents are available to assist with face-to-face policy management. Further, this carrier offers numerous discounts, including potential savings for automatic billing, students and bundling insurance products. Potential endorsements with the company include gap insurance, diminished value coverage and roadside assistance.
Who Auto-Owners may be good for: Auto-Owners may be a good fit for drivers interested in high levels of personalized service and policy customization.
Read full Auto-Owners Insurance review
State Farm
4.3
4.3
Avg. full coverage premium
$128/mo
Avg. full coverage premium
$1,531/yr
Customer satisfaction
647/1,000
-
Why State Farm made our list: State Farm is the largest car insurance company in the nation. Policyholders may be able to build a more robust policy with add-ons for roadside assistance, rideshare coverage, car rental reimbursement and more. However, the carrier does not offer gap insurance and accident forgiveness coverage must be earned, not purchased. State Farm offers two telematics programs, including one developed specifically for young drivers.
Who State Farm may be good for: State Farm may be a good fit for drivers looking for low rates and in-person service with a local agent.
Read full State Farm Insurance review
Nationwide
4
4
Avg. full coverage premium
Not available
Avg. full coverage premium
Not available
Customer satisfaction
628/1,000
-
Why Nationwide made our list: Nationwide is one of the largest car insurers in the country. Although it has a below-average customer satisfaction score in the Central region in J.D. Power's study, Nationwide offers a less common pay-per-mile program called SmartMiles that may appeal to low-mileage drivers. Nationwide offers coverage options for antique and muscle cars, as well as accident forgiveness and vanishing deductible endorsements.
Who Nationwide may be good for: Nationwide may be a good fit for drivers looking for less common coverage options, like pay-per-mile insurance or classic car coverage.
Read full Nationwide Insurance review
How Bankrate chose the best car insurance companies in Iowa
Bankrate's insurance editorial team understands that price isn't the only factor for many Iowa drivers looking for the best auto insurance. That's why our Bankrate Scoring model takes into account many metrics beyond just price. Each score, out of a possible five points, accounts for coverage options, discounts, customer service, financial strength and more. Our intention is to help you quickly narrow down your search for the best car insurance company.
Why you can trust Bankrate
Read our full methodologyTo help Iowa drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
How to find the best car insurance in Iowa
Evaluating your needs and rating factors may help you find the best car insurance in Iowa. Since each individual brings a unique mix of rating factors and priorities to their car insurance search, the best car insurance company for your neighbor may not be the best car insurance company for you. While determining the right carrier may take some additional research, the importance of finding appropriate coverage cannot be overstated; you need an active policy in order to drive legally on public roads in Iowa.
News
If you’ve seen your auto insurance premium steadily rise, you’re not alone. According to the Consumer Price Index report released in August 2024, the cost of auto insurance rose 18.6 percent from the previous year. Iowa drivers are not immune to these increases. Cost trends are attributed to more severe car accidents that cause more damage, rising repair costs, higher labor costs and an uptick in natural disasters that have increased the number of comprehensive coverage claims.
Related content:
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Iowa?
Drivers in Iowa pay significantly less on average than many drivers in the United States. National average premiums are $2,458 for full coverage and $678 for minimum coverage. In Iowa, average car insurance rates are $1,888 for full coverage and $363 for minimum coverage. However, your personal premium may vary from these averages based on factors individual to you like your age, vehicle type, driving record and ZIP code.
Average rates in Iowa are also cheaper than the nearby states of Nebraska and Illinois. Average annual full coverage rates in Nebraska and Illinois are $2,316 and $2,135, respectively. Large swaths of Iowa are rural and sparsely populated, which may lower the risk of collisions and could be a factor in the state’s low cost of insurance.
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But these other cities in the state may give you some insight.
City | Avg. annual full coverage premium | Avg. savings vs. state average |
---|---|---|
Des Moines | $1,920 | +2% |
Corydon | $2,053 | +8% |
De Soto | $1,926 | +2% |
Grand Junction | $1,960 | +4% |
Hamilton | $1,963 | +4% |
Ira | $1,874 | -1% |
Kellogg | $1,870 | -1% |
Lacona | $2,075 | +9% |
Melbourne | $1,892 | +0% |
West Liberty | $1,831 | -3% |
Davenport | $1,863 | -1% |
Adair | $2,085 | +10% |
Altoona | $1,765 | -7% |
Libertyville | $1,987 | +5% |
Burlington | $1,791 | -5% |
Farmington | $2,010 | +6% |
Morning Sun | $1,935 | +2% |
Calamus | $1,813 | -4% |
Clinton | $1,846 | -2% |
Durant | $1,784 | -6% |
Moscow | $1,838 | -3% |
Crescent | $2,180 | +14% |
Defiance | $1,971 | +4% |
Dunlap | $2,036 | +8% |
Glenwood | $2,184 | +15% |
Harlan | $2,001 | +6% |
Mc Clelland | $2,129 | +12% |
Magnolia | $2,112 | +11% |
Mineola | $2,179 | +14% |
Modale | $2,109 | +11% |
Moorhead | $2,017 | +7% |
Pacific Junction | $2,198 | +15% |
Silver City | $2,176 | +14% |
Tabor | $2,183 | +14% |
Bernard | $1,939 | +3% |
Delaware | $1,946 | +3% |
Elkport | $2,010 | +6% |
Van Meter | $1,906 | +1% |
Havelock | $1,851 | -2% |
Lehigh | $1,908 | +1% |
Otho | $1,907 | +1% |
Whittemore | $1,844 | -2% |
Woolstock | $1,849 | -2% |
Dike | $1,857 | -2% |
North Washington | $1,945 | +3% |
Packwood | $1,955 | +3% |
Rose Hill | $1,915 | +1% |
Argyle | $1,925 | +2% |
Bonaparte | $1,999 | +6% |
Wayland | $1,930 | +2% |
Andover | $1,906 | +1% |
Urbandale | $1,735 | -8% |
Kirkville | $1,997 | +6% |
Pulaski | $2,014 | +6% |
Seymour | $2,101 | +11% |
Houghton | $1,962 | +4% |
Montrose | $1,943 | +3% |
Sperry | $1,900 | +1% |
West Burlington | $1,775 | -6% |
Charlotte | $1,837 | -3% |
Donahue | $1,782 | -6% |
Long Grove | $1,805 | -4% |
Dallas Center | $1,798 | -5% |
Gilbert | $1,728 | -9% |
Gray | $1,960 | +4% |
Hubbard | $1,832 | -3% |
Laurel | $1,895 | +0% |
Maxwell | $1,886 | -0% |
Montezuma | $1,947 | +3% |
New Sharon | $1,888 | -0% |
Unionville | $2,016 | +7% |
Donnellson | $1,939 | +3% |
Bettendorf | $1,790 | -5% |
Columbus City | $1,930 | +2% |
Eldridge | $1,730 | -9% |
Pleasant Valley | $1,801 | -5% |
Reasnor | $1,860 | -2% |
Saint Marys | $2,076 | +9% |
West Des Moines | $1,724 | -9% |
Ames | $1,671 | -12% |
Anita | $2,108 | +11% |
Casey | $2,086 | +10% |
Ankeny | $1,694 | -11% |
Audubon | $1,988 | +5% |
Bussey | $1,945 | +3% |
Colfax | $1,853 | -2% |
Baxter | $1,874 | -1% |
Bayard | $2,012 | +6% |
New Liberty | $1,800 | -5% |
Adel | $1,829 | -3% |
Blairsburg | $1,842 | -3% |
Blencoe | $1,998 | +6% |
Griswold | $2,077 | +10% |
Minden | $2,128 | +12% |
Woodbine | $2,112 | +11% |
Braddyville | $2,151 | +13% |
Yorktown | $2,084 | +10% |
Dubuque | $1,761 | -7% |
Earlville | $1,945 | +3% |
Panora | $2,036 | +8% |
Lockridge | $1,950 | +3% |
Stockport | $1,971 | +4% |
Camanche | $1,785 | -6% |
Grand Mound | $1,823 | -4% |
Lone Tree | $1,802 | -5% |
Montpelier | $1,831 | -3% |
Hanlontown | $1,829 | -3% |
Saint Ansgar | $1,846 | -2% |
Barnum | $1,927 | +2% |
Emmetsburg | $1,797 | -5% |
Cooper | $1,893 | +0% |
Elkhart | $1,825 | -3% |
Kellerton | $2,153 | +13% |
Le Grand | $1,882 | -0% |
Macksburg | $2,076 | +9% |
Malcom | $1,923 | +2% |
Buffalo Center | $1,814 | -4% |
Coulter | $1,844 | -2% |
Cylinder | $1,833 | -3% |
Dayton | $1,909 | +1% |
Duncombe | $1,916 | +1% |
Early | $1,858 | -2% |
Prole | $2,013 | +6% |
Rippey | $1,919 | +2% |
Wiota | $2,079 | +10% |
Clive | $1,736 | -8% |
New Providence | $1,880 | -0% |
Newton | $1,777 | -6% |
Ogden | $1,817 | -4% |
Dexter | $2,050 | +8% |
Earlham | $2,053 | +8% |
Galt | $1,846 | -2% |
Grimes | $1,712 | -10% |
Jewell | $1,820 | -4% |
Kamrar | $1,862 | -1% |
Luther | $1,808 | -4% |
Menlo | $2,063 | +9% |
Saint Olaf | $2,015 | +7% |
Spragueville | $1,927 | +2% |
Worthington | $1,890 | +0% |