Cheap Auto Insurance in Iowa for 2024 (Earn Savings With These 10 Companies)

The best options for cheap auto insurance in Iowa are USAA, State Farm, and Auto-Owners, with rates starting as low as $13 per month.

USAA stands out as 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

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.

#1 – USAA: Top Overall Pick

Pros

• Affordable Monthly Rates: With an average premium of $13  per month, USAA takes a slight lead over other low Iowa car insurance rate providers.
• Excellent Financial Strength: This USAA auto insurance review highlights that the company has an A++ rating from A.M. Best, ensuring its clients feel secure regarding its financial stability.
• Superior Customer Experience: USAA is an organization that is known to make the claims process smooth and hassle-free; therefore, it is very critical when choosing auto insurance in Iowa.

Cons

• Limited Eligibility: USAA is only available to military families, excluding most drivers from the competitive offerings and benefits of the organization.
• Fewer Options for Non-Military: Without a military connection, drivers may find fewer options compared to the average cost of car insurance in Iowa.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#2 – State Farm: Best for Safe-Driving Discounts

Pros

• Affordable Coverage: With cheap car insurance in Iowa starting as low as $16 per month, State Farm offers budget-friendly protection for drivers.
• Safe-Driver Discounts: State Farm provides opportunities to lower rates for safe drivers, making it a great choice for those looking to save on auto insurance in Iowa.
• Wide Availability: State Farm’s extensive network of agents across the state ensures you can easily find car insurance in Iowa with a local touch.

Cons

• Moderate Financial Strength: State Farm auto insurance review holds a B rating from A.M. Best, which may concern drivers seeking financial strength.
• Limited Discounts for Young Drivers: While State Farm offers discounts for safe driving, cheap car insurance in Iowa may be harder for younger drivers to come by.

#3 – Auto-Owners: Best for Reliability Focused

Pros

• Reliable Coverage: Auto-Owners offers dependable auto insurance in Iowa, ensuring drivers have the protection they need.
• Top Financial Strength: With an A++ rating from A.M. Best, Auto-Owners auto insurance review highlights the company’s solid financial stability.
• Customizable Policies: Auto-Owners allows flexibility in its auto insurance Iowa plans, giving drivers the option to tailor the coverage to their needs.

Cons

• Higher Premiums: Auto-owners’ rates may be higher compared to other Iowa auto insurance providers.
• Limited Discounts: Discount options with auto owners may be fewer than what other auto insurance Iowa providers offer.

#4 – Nationwide: Best for Cost-Saving Programs

Pros

• Cost-Saving Programs: Nationwide offers discounts that help save on auto insurance in Iowa.
• Affordable Monthly Rates: Premiums start at $18, balancing coverage and affordability—ideal for the best car insurance in Iowa.
• A+ Financial Strength: Nationwide enjoys an A+ rating, therefore ensuring excellent coverage. This makes it a great choice for those following an Iowa auto insurance guide.

Cons

• Limited Availability of Local Agents: Some drivers may have difficulty finding nearby agents for support, which can affect the Nationwide auto insurance review experience.
• Higher Rates for High-Risk Drivers: Bad driving record increases premiums even more reason, Nationwide is less competitive for those with a history of violations in an Iowa auto insurance guide.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#5 – Progressive: Best for Extensive Discounts

Pros

• Discount Opportunities: Progressive auto insurance review highlights multiple discounts for Iowa drivers, making auto insurance in Iowa more affordable.
• Low Price of Monthly Quote: Starting at $21 a month, Progressive is very cheap car insurance in Iowa, thus very competitive.
• Customizable Coverage: Progressive provides flexibility, allowing drivers to choose the best car insurance in Iowa to meet their needs.

Cons

• Financial Stability Concerns: With an A.M. Best rating of B+, Progressive’s financial strength could be seen as a significant source of concern for those wanting secure auto insurance in Iowa.
• Higher Rates for Young Drivers: Younger drivers in Iowa may find low-cost car insurance to be more expensive with Progressive.

#6 – Geico: Best for Competitive Premiums

Pros

• Affordable Premiums: Geico offers auto insurance in Iowa starting at $22 per month, making it budget-friendly.
• Strong Financial Backing: with a great A++ rating from A.M. Best, ensuring solid coverage for Iowa drivers. Explore further in our article titled Geico auto insurance review.
• Wide Discounts: Geico offers multiple discounts, making cheap auto insurance in Iowa accessible.

Cons

• Limited Customization: Some drivers find Geico’s car insurance in Iowa options lacking in coverage personalization.
• Customer Service Issues: Some Iowa drivers report less-than-ideal experiences with Geico’s customer service.

#7 – Farmers: Best for Comprehensive Coverage

Pros

• Comprehensive Coverage Options: Farmers offer a comprehensive range of protection so that auto insurance in Iowa covers all relevant needs.
• Affordable Rates: For those seeking the cheapest car insurance in Iowa, affordable prices start as low as $23 per month from Farmers.
• Strong A.M. Best Rating: Farmers auto insurance review shows that this carrier has an A rating from A.M. Best and will assure service to Iowa drivers.

Cons

• Higher Premiums for Young Drivers: Young drivers may find it difficult to get the cheapest auto insurance in Iowa with Farmers due to higher premiums.
• Limited Discounts for Certain Groups: Farmers offer fewer discounts for groups like students or multi-car owners, affecting the affordability of auto insurance in Iowa.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#8 – The Hartford: Best for AARP Members

Pros

• Exclusive Discounts for AARP Members: The Hartford company auto insurance review shows that AARP members in Iowa get exclusive car insurance savings.
• A+ A.M. Best Rating: With an A+ rating, The Hartford is a financially strong provider of auto insurance in Iowa.
• Affordable Senior Rates: The Hartford offers the cheapest Iowa auto insurance options for seniors.

Cons

• Limited Options for Non-Members: For non-members of AARP, the options for car insurance in Estherville will not be that attractive.
• Higher Costs for Younger Drivers: auto insurance in Iowa is pricier for customers under 50.

#9 – American Family: Best for Multi-Policy Savings

Pros

• Multi-Policy Savings: Save on cheap car insurance Iowa by bundling with American Family.
• Financial Strength: The American Family auto insurance review highlights the company’s A rating for reliability.
• Affordable Rates: Starting at $25, American Family is one of the most competitive rates in the average car insurance in Iowa.

Cons

• Limited Local Agent Network: Some rural areas in Iowa may lack easy access to American Family agents, unlike other car insurance companies in Iowa.
• Higher Rates for High-Risk Drivers: Poor driving records may lead to higher premiums, above the average car insurance Iowa rates.

#10 – Liberty Mutual: Best for Telematics-Based Savings

Pros

• Telematics-Based Savings: Liberty Mutual offers auto insurance in Iowa with discounts for safe driving habits tracked through telematics.
• Solid Financial Backing: Liberty Mutual’s A rating ensures Iowa drivers can rely on it for the best auto insurance in Iowa.
• Eco-Friendly Savings: Drivers with hybrid or electric cars receive discounts through Liberty Mutual auto insurance review.

Cons

• Higher Premiums: Liberty Mutual’s $28 monthly rate may be higher for drivers seeking the best Iowa auto insurance.
• Challenges for Young Drivers: Young drivers may find it harder to get competitive rates with Liberty Mutual when looking for best auto insurance in Iowa.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

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

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 vehicles in great condition since most travel along rural roads and work at farms.

For many of them, the car or truck is a lifeline-basically used to haul equipment or navigate rugged terrain. Pickup trucks, such as the Chevy Silverado and Ford F-150 models, are the most popular vehicles in Iowa. These trucks are looked upon for their strength and versatility.

These trucks are built to handle the demands of farm work, from hauling supplies to transporting livestock. Given the state’s unpredictable weather and rough driving conditions, auto insurance in Iowa is a must.

Comprehensive and collision coverage offers protection against accidents, theft, and weather-related damage, ensuring Iowans are prepared for anything that might happen on the road. Start comparing total coverage auto insurance rates by entering your ZIP code below.

Minimum Auto Insurance Required in Iowa

In Iowa, drivers must haveautomobile liability coverage 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

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.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Penalties for Driving Without Insurance in Iowa

Getting a driver’s license as a teen in Iowa is a gradual process designed to help new drivers gain experience and responsibility. Here’s a quick guide to the steps involved:

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, allowing supervised driving.
• Apply for an Intermediate Driver’s License (Age 16): At 16, teens can apply for an intermediate license after holding the permit for 12 months, completing driver education, and logging 20 hours of supervised driving.
• Maintain a Clean Driving Record: Teens must maintain a clean driving record to qualify for the next stage.
• Apply for a Full Driver’s License (Age 17): At 17, teens with a clean record can apply for a full, unrestricted driver’s license.
• Consider Auto Insurance: Teens should shop for auto insurance in Iowa and check for discounts like the good student discount.

Be sure to also consider your auto insurance options as you approach each stage. You can find affordable auto insurance no matter what your driving record looks like by entering your ZIP code below in our free quote comparison tool.

Summary: The 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 competitive rates and excellent customer service, especially for military families, while State Farm provides discounts, including the Safe Driver Discount. Auto-Owners is known for reliable coverage and high customer satisfaction.

The article highlights comparing quotes, using discounts, and choosing higher coverage for better protection. Iowans can secure affordable, comprehensive auto insurance. Finding cheap auto insurance rates can be difficult for high-risk drivers, but you don’t have to do it alone. Enter your ZIP code below to find the most affordable quotes in your area.