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Best car insurance in Iowa for 2024

Updated May 01, 2024
Based on Bankrate's research, Geico, State Farm, Progressive, Auto-Owners and Nationwide write the best car insurance policies in Iowa.
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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.

Best car insurance companies in Iowa

For the average driver, Iowa car insurance costs $1,767 per year for full coverage, while minimum coverage averages $324 per year. Although these rates are far lower than the national averages of $2,299 and $637 for full and minimum coverage, respectively, many drivers may still be looking to save on their Iowa car insurance premiums.

We began our search for the best car insurance companies in Iowa 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.

Insurance company
Bankrate Score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$1,227
$175
4.4
Rating: 4.4 stars out of 5
$1,246
$195
4.3
Rating: 4.3 stars out of 5
$1,686
$232
4.3
Rating: 4.3 stars out of 5
$1,536
$294
4.0
Rating: 4 stars out of 5
N/A
N/A

Progressive

Progressive

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$102/mo

Avg. full coverage premium

$1,227/yr

Customer satisfaction

803/1,000

Geico

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$104/mo

Avg. full coverage premium

$1,246/yr

Customer satisfaction

819/1,000

Auto-Owners

Auto-Owners

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$141/mo

Avg. full coverage premium

$1,686/yr

Customer satisfaction

829/1,000

State Farm

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$128/mo

Avg. full coverage premium

$1,536/yr

Customer satisfaction

833/1,000

Nationwide

Nationwide

4

Rating: 4 stars out of 5

Avg. full coverage premium

Not available

Avg. full coverage premium

Not available

Customer satisfaction

792/1,000

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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 5 points, accounts for coverage options, discounts, customer service, financial strength and more. We hope you can use these Scores to narrow down your search for the best car insurance company for you.

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Why you can trust Bankrate

Read our full methodology

To 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

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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 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.

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News that affects Iowa car owners

Iowa Public Radio released a report in September 2023 that explored reasons why car insurance rates in the Hawkeye State have risen so quickly. The report noted four reasons why premiums are on the increase:

  • Drivers are engaging in more risky driving habits than before the pandemic, resulting in higher levels of accidents and subsequent insurance claims.
  • Repairs and parts have increased in price due to damaged supply chains and a tight labor market that has impacted the ability of mechanics to stay on top of repairs.
  • Natural disasters, brought on by climate change, are increasing the number of claims made to policyholders' comprehensive coverage.
  • Insurance regulators are trying to balance the increases with the need to keep premiums low enough that drivers are still able to afford them.

The report offers a call to action that may be familiar to Bankrate readers: shop around for quotes and consider discounts before you decide on your insurer.

Related content:

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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 the average driver in the United States. National average premiums are $2,299 for full coverage and $637 for minimum coverage. In Iowa, average car insurance rates are $1,767 for full coverage and $324 for minimum coverage. However, your personal premium may vary from these averages based on your personal rating factors 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 $2,303 and $2,068, 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.

City Avg. annual full coverage premium Avg. savings vs. state average