Compare car insurance quotes in Iowa
Jerry is a free app trusted by 4,204 Iowa drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Average Iowa car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $153 a month for state minimum and $382 a month for full coverage. But in Iowa, Jerry drivers pay less:
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$38 to $71 per month for state-mandated minimum coverage.
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$98 to $179 per month for full coverage.
Drivers who take a few minutes to shop around and compare coverage can often get even lower rates. Over the last 12 months, Jerry has helped Iowans save an average of $1,150 per year on coverage just by comparing their options.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry helps you shop offers and lock in your Iowa car insurance in under 10 minutes. It’s free, entirely online and we never sell your info or flood your phone with calls. If you’d prefer to talk to a real person, you can connect with one of our licensed agents anytime.
Of course, what you’ll pay depends on a mix of details like your driving record, the car you drive and your ZIP code. Here are some full coverage rates that Jerry drivers in Iowa have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
Iowa homeowners face frequent severe weather, including tornadoes, hailstorms, and heavy flooding along the Missouri and Mississippi rivers. These risks push home insurance premiums higher than the national average, making bundling home and auto insurance a smart way to save.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Iowa drivers are paying with Jerry
Comparing quotes from multiple insurance companies is the easiest way to find your best coverage. Whether you’re building a unique policy, matching your current coverage or just choosing the cheapest car insurance in Iowa, shopping around helps you find the right fit.
That matters in Iowa, where driving conditions range from Des Moines and Cedar Rapids traffic to long stretches of rural highway. Severe weather, including hail and ice storms, plays a real role in what drivers pay for comprehensive coverage. Jerry works with Iowa drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
Jerry helps you find quotes from up to 9 trusted insurers in the Hawkeye State, so you get the full picture of what’s available and how much you should be paying. Here are some of the most recent quotes Jerry has been able to pull for Iowa drivers looking for different levels of coverage, and how much each one saved.
Recent quotes in Iowa
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Iowa car insurance coverage requirements
Drivers in Iowa are legally required to carry liability insurance coverage. State minimum requirements include:
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$20,000 in bodily injury liability per person.
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$40,000 in bodily injury liability per accident.
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$15,000 in property damage liability per accident.
While this is the minimum insurance you need to buy before you can legally drive in Iowa, many Jerry drivers actually choose higher liability limits, along with comprehensive and collision coverage. When you also consider that over 11% of Iowa drivers are uninsured or underinsured, it may also be wise to purchase uninsured/underinsured motorist (UIM) protection.
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Coverage definitions
Factors affecting Iowa car insurance rates in 2026
Deer collisions
Iowa consistently ranks among the highest-risk states for deer strikes. Comprehensive coverage is what typically pays for animal collisions, so it’s a key layer of protection if you drive at dawn or dusk on rural or two-lane roads
Winter storms and black ice
Freezing rain, snow and black ice drive up crash frequency across Iowa, especially on bridges and untreated back roads. Collision coverage is what pays to repair your car after a winter accident, which is why we recommend keeping it active year-round.
Rural highway crash severity
A lot of Iowa driving happens on long stretches of higher-speed highway where crashes tend to be more serious and more expensive. If you spend time on rural routes, make sure your liability limits are strong enough for a high-severity accident, not just the state minimum.
Theft and vandalism
Urban pockets like Des Moines and Cedar Rapids see more break-ins and vandalism, particularly for vehicles parked outdoors or overnight. Consider comprehensive coverage, which pays for theft-related losses. Take the basics seriously too: lock up, park in well-lit spots and keep valuables out of sight.
Hail and severe thunderstorms
Spring and summer storms can bring hail and high winds that crack windshields and dent panels even while your car is parked. Comprehensive coverage applies to hail and storm damage outside of a collision.
Gravel roads and loose debris
Iowa has more miles of gravel and unpaved road than most drivers realize, and loose rock can chip paint, crack glass and make stopping distances unpredictable. Keep a safe following distance, check your glass coverage options and set a deductible you can comfortably cover if you need to file a claim.
Average cost of car insurance in major Iowa cities
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City
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Average monthly cost
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City
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Average monthly cost
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|---|---|
| $147 | |
| $121 | |
| $138 | |
| $147 | |
| $135 | |
| $122 | |
| $122 | |
| $114 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Iowa quotes in as little as 2 minutes.
Learn more about driving in Iowa
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How to get temporary license plates in Iowa.
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
FAQ
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Is Iowa an at-fault state?
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What happens if I drive without insurance in Iowa?
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Does Iowa require PIP coverage?
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What if I’m partially at-fault for an accident in Iowa?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.