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Best car insurance in Iowa for 2024

Updated Nov 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 $1,888 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
Rating: 4.4 stars out of 5
$1,433
$277
4.4
Rating: 4.4 stars out of 5
$1,310
$195
4.3
Rating: 4.3 stars out of 5
$2,074
$355
4.3
Rating: 4.3 stars out of 5
$1,531
$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

$119/mo

Avg. full coverage premium

$1,433/yr

Customer satisfaction

638/1,000

Geico

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$109/mo

Avg. full coverage premium

$1,310/yr

Customer satisfaction

622/1,000

Auto-Owners

Auto-Owners

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$173/mo

Avg. full coverage premium

$2,074/yr

Customer satisfaction

663/1,000

State Farm

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$128/mo

Avg. full coverage premium

$1,531/yr

Customer satisfaction

647/1,000

Nationwide

Nationwide

4

Rating: 4 stars out of 5

Avg. full coverage premium

Not available

Avg. full coverage premium

Not available

Customer satisfaction

628/1,000

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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 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.

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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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Powered by Coverage.com (NPN: 19966249)

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.

News

News that affects Iowa car owners

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.

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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 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.

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