Cheap Auto Insurance in Iowa for 2024 (Earn Savings With These 10 Companies)
The best providers for cheap auto insurance in Iowa are USAA, State Farm, and Auto-Owners, offering rates starting at just $13 per month. USAA is the best low-cost value because of its excellent customer support service; State Farm and Auto-Owners are suitable for discount offerings and assured coverage.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
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UPDATED: Nov 29, 2024
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6,435 reviewsCompany Facts
Min. Coverage in Iowa
A.M. Best
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6,435 reviews
17,759 reviewsCompany Facts
Min. Coverage in Iowa
A.M. Best
Complaint Level
17,759 reviews
563 reviewsCompany Facts
Min. Coverage in Iowa
A.M. Best
Complaint Level
563 reviewsThe best cheap auto insurance in Iowa are USAA, State Farm, and Auto-Owners. Their starting rates are around $13 per month.
USAA is the best overall pick, offering the lowest premiums and exceptional customer service, particularly for military families. State Farm ranks high for its wide range of discounts, including those for safe driver discounts and bundling policies.
Our Top 10 Company Picks: Cheap Auto Insurance in Iowa
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $13 | A++ | Customer Service | USAA |
 | #2 | $16 | B | Safe-Driving Discounts | State Farm |
 | #3 | $17 | A++ | Reliability Focused | Auto-Owners |
 | #4 | $18 | A+ | Cost-Saving Programs | Nationwide |
 | #5 | $21 | A+ | Extensive Discount | Progressive |
 | #6 | $22 | A++ | Competitive Premiums | Geico |
 | #7 | $23 | A | Comprehensive Coverage | Farmers |
 | #8 | $24 | A+ | AARP Members | The Hartford |
 | #9 | $25 | A | Multi-Policy Savings | American Family |
 | #10 | $28 | A | Telematics-Based Savings | Liberty Mutual |
Auto-Owners is available at reasonable rates and provides excellent protection, with a mission to ensure customer satisfaction. Use our free comparison tool above to see what auto insurance quotes look like in your area.
- USAA offers the best cheap auto insurance in Iowa with great rates
- State Farm and Auto-Owners provide affordable auto insurance coverage
- USAA offers the lowest rates for cheap auto insurance in Iowa starting at $13/month
#1 – USAA: Top Overall Pick
Pros
- Exceptional Customer Service for Iowa Drivers: USAA offers excellent support, especially for military families in Iowa.
- Affordable Monthly Rates: At just $13 per month, USAA provides some of the cheapest car insurance in Iowa.
- Comprehensive Coverage Options: USAA offers a range of coverage options that are ideal for Iowa drivers. Look at our USAA auto insurance review for expanded insights.
Cons
- Eligibility Limitations: USAA is only available to military members and their families, limiting access for many Iowa drivers.
- Limited Local Support: If you’re looking for car insurance in Estherville, USAA’s lack of local offices can make in-person assistance harder to find.
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#2 – State Farm: Best for Safe-Driving Discounts
Pros
- Safe-Driving Discounts to Iowa Drivers: State Farm rewards safe driving through Drive Safe & save, another compelling reason for Iowa’s car insurance customers.
- Strong Local Agent Network: State Farm has many agents throughout Iowa, thus offering personal service. In State Farm Auto Insurance Review, it is noted that having a local agent enables one to get quicker support that is tailored.
- Financial Stability: For drivers in Iowa, State Farm is a dependable choice with a B A.M. Best rating.
Cons
- Average Monthly Rates Compared to Competitors: At $16 per month, State Farm’s rates are higher than those of other providers like USAA for cheap car insurance in Iowa.
- Limited Discounts for High-Risk Drivers: Drivers with poor records may not find State Farm’s discounts as beneficial in Iowa.
#3 – Auto-Owners: Best for Reliability Focused
Pros
- Superior Financial Strength: With an A++ A.M. Best rating, Auto-Owners offers secure Iowa insurance.
- Reliable Coverage Options: Auto-Owners provides collision, comprehensive, and roadside assistance coverage for Iowa drivers.
- Low Monthly Rates: Starting at $17 per month, Auto-Owners offers competitive pricing for Iowa car insurance.
Cons
- Fewer Discounts Compared to Rivals: Auto-Owners offer fewer discounts, limiting savings for Iowa drivers.
- Limited Digital Tools: Based on the Auto-Owners Auto Insurance review, Auto-Owners lacks advanced online tools compared to other Iowa car insurance providers.
#4 – Nationwide: Best for Cost-Saving Programs
Pros
- Innovative Cost-Saving Programs: Nationwide’s Smart Ride program can help Iowa motorists save money on premiums and is one of the most suitable plans to lower the average car insurance cost in Iowa.
- Broad Range of Coverage Options: With a wide range of choices, Nationwide provides flexible plans for those looking for auto insurance in Iowa.
- Strong Financial Backing: With an A+ A.M. Best rating, Nationwide is a trusted option for Iowa car insurance. According to the Nationwide auto insurance review, this financial strength makes it a reliable choice.
Cons
- Higher Monthly Rates for Some Drivers: At $18 per month, Nationwide’s rates may not be as competitive for cheap auto insurance in Iowa.
- Limited Local Offices in Rural Iowa: Nationwide has fewer agents in rural Iowa, which could be inconvenient for some Iowa drivers.
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#5 – Progressive: Best for Extensive Discounts
Pros
- Extensive Discounts for Iowa Drivers: Progressive offers a variety of discounts, including safe driving, making it a strong choice for auto insurance in Iowa.
- Telematics-Based Savings with Snapshot: This telematics-based program rewards safe drivers with potential savings. A key feature to consider in a Progressive auto insurance review is if you want to track your driving habits.
- Strong Financial Ratings: An A+ rating ensures that Progressive offers reliable car insurance in Iowa and long-term stability.
Cons
- Above-Average Rates for High-Risk Drivers: Iowa drivers with poor credit or accidents may face higher premiums with Progressive.
- Mixed Customer Service Reviews in Iowa: Some Iowa car insurance customers report inconsistent claims experiences with Progressive.
#6 – Geico: Best for Competitive Premiums
Pros
- Highly Competitive Premiums: Geico offers affordable premiums starting at $22 per month, making it a strong choice for cheap car insurance in Iowa.
- Robust Online Tools: Geico’s online platform is easy to use so that Iowa drivers can make any changes to their Iowa auto insurance policies while they are on the move.
- Discounts for Good Drivers and Students: Geico provides generous discounts for safe drivers and students in Iowa.
Cons
- Fewer Local Agents in Iowa: Geico’s limited local agent presence in Iowa may not appeal to those who prefer in-person service.
- Limited Coverage Customization: Geico auto insurance review shows fewer customization options than other Iowa providers.
#7 – Farmers: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage Options: Farmers provide a variety of coverages, such as collision and roadside assistance, which is ideal for Iowa drivers.
- Multi-Policy Discounts: Bundling home and auto insurance with Farmers can significantly save a lot, making it one of the top competitors for the best car insurance in Iowa.
- High Customer Satisfaction Ratings: According to recent Farmers auto insurance reviews, customers praise the company for its claims satisfaction and customer service.
Cons
- Higher Monthly Rates: At $23 per month, Farmers may not be the most affordable choice for cheap auto insurance in Iowa.
- Less Competitive Discounts for Safe Drivers: Farmers offer fewer discounts for safe drivers compared to other Iowa car insurance providers.
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#8 – The Hartford: Best for AARP Members
Pros
- AARP Member Benefits: Hartford provides AARP members with very great discounts, which are suitable for elderly people of Iowa.
- Reliable Claims Support: Hartford is known for its excellent claims support and customer service for Iowa drivers.
- Excellent Financial Strength: With an A+ A.M. Best rating, Hartford offers reliable auto insurance in Iowa.
Cons
- Limited Discount Options for Non-AARP Members: Without an AARP membership, discounts are less competitive for Iowa car insurance.
- Higher Monthly Rates for Younger Drivers: Younger drivers may face higher rates than the average car insurance in Iowa. The Hartford company auto insurance review shows that younger drivers pay more.
#9 – American Family: Best for Multi-Policy Savings
Pros
- Multi-Policy Discounts for Iowa Residents: In Iowa, American Family provides multi-policy savings for combining home and vehicle insurance.
- Flexible Coverage Choices: American Family provides flexible coverage options that are ideal for Iowa drivers.
- Strong Customer Service: American Family has a good review of reliable customer service and claims processing for Iowa insurance.
Cons
- Higher Rates for Young: Rates for younger Iowa drivers tend to be higher with American Families. Learn more on our American Family auto insurance review.
- Limited Presence in Rural Iowa: Unlike other car insurance companies in Iowa, American Family agents may not be easily accessible in some rural areas of Iowa.
#10 – Liberty Mutual: Best for Telematics-Based Savings
Pros
- Telematics-Based Savings Program: Liberty Mutual’s RightTrack program rewards safe driving, making it a great choice for Iowa drivers. It’s one of the best auto insurance companies in Iowa, and it’s for those who value safety-based discounts.
- Excellent Coverage Options: Liberty Mutual offers new car replacements and accident forgiveness, which is ideal for Iowa drivers. If you’re looking for auto insurance in Iowa, these benefits add extra value.
- Multi-Vehicle Discounts: Liberty Mutual offers savings for bundling multiple vehicles, helping Iowa families save on premiums.
Cons
- Higher Premiums for High-Risk Drivers: In Liberty Mutual auto insurance review, Iowa drivers with past accidents or tickets may face higher rates.
- Limited Local Agents in Iowa: Liberty Mutual’s reliance on digital tools may not be ideal for Iowa drivers who prefer local agent assistance.
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Iowa Car Insurance Coverage and Rates
Finding cheap auto insurance in Iowa is easier when you compare rates from leading providers. Monthly premiums for minimum coverage start as low as $13 with USAA, making it the most affordable option. State Farm and Auto-Owners also offer competitive rates for minimum coverage at $16 and $17, respectively.
Iowa Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $25 | $95 |
| $17 | $70 |
| $23 | $82 |
| $22 | $81 |
| $28 | $116 |
| $18 | $73 |
| $21 | $75 |
| $16 | $65 |
| $24 | $90 |
| $13 | $55 |
For full coverage, USAA remains the least expensive at $55, while State Farm and Auto-Owners provide solid options at $65 and $70. On the higher end, Liberty Mutual charges $28 for minimum coverage and $116 for full coverage.
To make your insurance even cheaper, look for discounts such as the anti-theft device discount. This rewards a driver for taking extra precautions to secure and protect their vehicle. This discount, with the right provider, will help you get the best coverage at a price that fits your budget.
To discover the best coverage for your needs, compare rates and take advantage of possible discounts. This applies to both basic and comprehensive protection. Find the best auto insurance company near you by entering your ZIP code into our free quote tool above.
Iowa’s Car Culture
Coming from a rural lifestyle like Iowa’s agricultural lifestyle, vehicles are pivotal for daily life. Iowans pride themselves on keeping their cars in great condition since most travel along rural roads and work at farms.
For many, the car or truck is a lifeline-basically used to haul equipment or navigate rugged terrain. Pickup trucks, like the Chevy Silverado and Ford F-150, are the favorite Iowa vehicles. Trucks stand the test of time; strength and versatility characterize their qualities.
For just $13 a month, USAA offers great coverage, making it the best option for Iowans who rely on their vehicles for daily tasks.
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Trucks stand the test of time; strength and versatility characterize their qualities. These trucks can work effectively in the fields. Some common chores would include hauling supplies around, transporting livestock, or maybe even just driving over the fields. Auto insurance in Iowa is a must, given the unpredictable weather and rough driving conditions.
Comprehensive and collision coverage will protect against accidents, theft, and weather-related damage so that Iowans will be ready for anything on the road. Start comparing total coverage auto insurance rates by entering your ZIP code below.
Minimum Auto Insurance Required in Iowa
In Iowa, automobile liability coverage must be carried by the driver with at least $20,000 for bodily injury per person, $40,000 per accident for bodily injury, and $15,000 for property damage.
Auto Insurance Discounts From the Top Providers in Iowa
| Insurance Company | Available Discounts |
|---|---|
| Good Student Discount, Bundled Insurance Discount, Early Signing Discount, Vehicle Safety Feature Discount |
| Multi-Policy Discount, Homeowner Discount, Safe Driving Discount, Student Away at School Discount |
| Smart Driver Discount, Homeowner Discount, Multi-Policy Discount, Professional Group Discount |
| Multi-Vehicle Discount, Good Driver Discount, Military Discount, Federal Employee Discount |
| Vehicle Safety Features Discount, Multi-Car Discount, Homeowner Discount, Claims-Free Discount |
| Multi-Policy Discount, SmartRide Program, Family Plan Discount, Safe Driver Discount |
| Snapshot Program, Multi-Vehicle Discount, Homeowner Discount, Continuous Coverage Discount |
| Multi-Policy Discount, Safe Driver Discount, Good Student Discount, Drive Safe & Save |
| AARP Member Discounts, Multi-Policy Discount, Safe Driver Discount, Claim-Free Discount |
| Military Affiliation Discount, Safe Driving Discount, Multi-Vehicle Discount, Bundled Insurance Discount |
These minimums may not cover all costs, so purchasing higher coverage is recommended. For those seeking cheap auto insurance in Iowa, discounts offered by major providers can help lower premiums. Liability insurance protects third parties but does not cover your own injuries or vehicle damage.
USAA offers the best value for auto insurance in Iowa, with monthly rates as low as $13 for minimum coverage and $55 for full coverage
If you’re at fault, you’ll be responsible for those costs. Iowa allows digital proof of insurance, so you don’t need a physical card. Explore your auto insurance options by entering your ZIP code into our free comparison tool below today.
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Financial Ratings of the Leading Insurance Companies in Iowa
Financial strength must be considered when choosing an insurance company in Iowa. A.M. Credit Ratings is the authority that indicates an insurer’s ability to pay future claims.
Iowa Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Traffic Density | A | Low congestion in most areas. |
| Vehicle Theft Rate | A- | Below national average for theft cases. |
| Uninsured Drivers Rate | B+ | Slightly higher than the national rate. |
| Average Claim Size | B | Comparable to national averages. |
| Weather - Related Risk | B | Moderate risk due to seasonal storms. |
Alongside financial strength, there are various factors that affect your car insurance premium, including traffic density, vehicle theft rates, and weather risks. Iowa generally enjoys low traffic congestion, a theft rate below the national average, and a moderate level of weather-related risk.
Iowa Report Card: Auto Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Multi-Policy Discount | A+ | 25% | State Farm, Progressive, Allstate |
| Good Student Discount | A | 20% | Geico, Nationwide, Farmers |
| Safe Driver Discount | A | 18% | Allstate, Travelers, USAA |
| Defensive Driving Discount | B+ | 15% | Progressive, State Farm, Farmers |
| Paperless Billing Discount | B | 10% | Geico, Nationwide |
Iowa drivers can also save through various discounts, such as multi-policy discounts, good student discounts, and safe driver discounts, with up to 25% savings. Defensive driving and paperless billing discounts offer additional savings with providers like Geico, State Farm, and Allstate.
By considering the financial ratings and discounts available, drivers can be well-informed about their auto insurance. Protect your vehicle at the best prices by entering your ZIP code into our free auto insurance quote comparison tool.
Penalties for Driving Without Insurance in Iowa
Getting a driver’s license as a teen in Iowa is a gradual process that allows new drivers to get some experience and a sense of responsibility.
By following these steps, teen drivers in Iowa can gradually earn their full driving privileges while learning to be responsible on the road.
- Obtain an Instruction Permit (Age 14): Teens can get an instruction permit at 14 after passing a written and vision test, which allows them to drive supervised.
- Apply for an Intermediate Driver’s License (Age 16): Teens can apply for an intermediate license at 16 after holding the permit for 12 months, completing driver education, and logging 20 hours of supervised driving.
- Maintain a Clean Driving Record: They have to have a clean driving record in order to qualify for the next level.
- Apply for a Full Driver’s License (Age 17): Teens with a clean record can apply for a full, unrestricted driver’s license at age 17.
- Consider Auto Insurance: Teens should shop for auto insurance in Iowa and check for discounts, such as the good student discount.
Be sure to consider your auto insurance options as you approach each stage. Enter your ZIP code to explore which companies have the cheapest auto insurance rates for you.
Affordable Auto Insurance Options in Iowa
In Iowa, affordable auto insurance is available through USAA, State Farm, and Auto-Owners, with rates starting at $13 per month for minimum coverage. USAA offers great customer service and low prices, particularly for military families. State Farm offers discounts such as the Safe Driver Discount. Auto-Owners is known for its reliable coverage and high customer satisfaction.
The article sheds light on comparing quotes, utilizing discounts, and higher coverage for better protection. Iowans can get affordable, comprehensive auto insurance. Find the best auto insurance company near you by entering your ZIP code into our free quote tool.
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Frequently Asked Questions
Which Iowa auto insurance plan is the most affordable?
USAA offers the cheapest rates, starting at $13 per month for minimum coverage, especially for military families. Read our military auto insurance for more insights.
How does Iowa’s weather affect car insurance rates?
Iowa’s snowy winters can increase accident risks, leading to higher premiums, so comprehensive coverage is recommended. Start comparing total coverage auto insurance rates by entering your ZIP code here.
Why is USAA considered the best for cheap car insurance in Iowa?
USAA is known for affordable rates and excellent customer service, particularly for military families.
Can I find affordable car insurance in Iowa with a poor driving history?
Yes, providers like Progressive and Nationwide offer coverage for high-risk drivers, though premiums may be higher. Dive into our cheap high-risk auto insurance to gain a deeper insight.
How do State Farm’s discounts work in Iowa?
State Farm’s “Drive Safe & Save” program offers discounts based on safe driving, tracked via an app or device.
Which auto insurance companies are recommended in Iowa?
Top insurers include USAA, State Farm, Progressive, Auto-Owners, and Nationwide, all offering competitive rates and solid customer service.
How can I lower my Iowa auto insurance rates?
Compare quotes, use available discounts (good driver, multi-policy), and consider usage-based insurance programs like Progressive’s Snapshot. Look at our lowering auto insurance premium costs for expanded insights.
What discounts are available for car insurance in Iowa?
Discounts include multi-policy, good student, safe driver, and vehicle safety features. Some companies also offer defensive driving discounts.
Is minimum car insurance coverage sufficient in Iowa?
Minimum coverage meets legal requirements but may not offer enough protection. Consider additional coverage for more security. Enter your ZIP code into our free quote tool to find the best auto insurance providers for your needs and budget.
What happens if I drive without insurance in Iowa?
Driving without insurance in Iowa can lead to fines, license suspension, and higher insurance costs later (SR-22 requirements). Review our lapse in auto insurance coverage for insights.