Compare car insurance quotes in Iowa
Jerry uses real data from 3,165 Iowa drivers to help you:
-
Get personalized options in minutes.
-
Buy, bundle and switch right in the app.
-
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 $154 a month for state minimum and $382 a month for full coverage. But in Iowa, Jerry drivers pay less:
-
$37 to $72 per month for state-mandated minimum coverage
-
$98 to $178 per month for full coverage.
Spending a few minutes comparing quotes can pay off fast. Over the last 12 months, Jerry has helped Iowans save an average of $1,153 per year on coverage just by comparing their options.
Jerry helps you shop offers and dial in your Iowa car insurance in under 10 minutes. It’s free, entirely online and we won’t sell your info or pester you with phone calls.
Rates vary from driver to driver based on things like your history on the road, the car you own and where you’re located. 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
One of the best ways to save on home insurance in Texas is by bundling your car and home insurance. On average, Jerry homeowners save up to 40% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle 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.
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:
-
$20,000 in bodily injury liability per person.
-
$40,000 in bodily injury liability per accident.
-
$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.
Factors affecting Iowa car insurance rates in 2026
Deer strike risk
Iowa is frequently cited as one of the higher-risk states for deer collisions. Animal impacts are typically covered under comprehensive coverage, so it’s a key layer if you drive at dawn or dusk on rural or two-lane roads.
Winter storms and black ice
Freezing rain, snow, and black ice can drive up crash frequency, especially on bridges and untreated roads. Collision coverage is what generally pays to repair your car after an accident, which is why it matters so much during Iowa winters.
Rural highway claim severity
Long stretches of higher-speed driving can mean more serious crashes and more expensive claims when things go wrong. If you spend a lot of time on rural highways, it’s worth making sure your liability limits are strong enough for a high-severity accident.
Theft and vandalism in city pockets
Urban areas can see more break-ins and vandalism, particularly for vehicles parked outdoors or overnight. Comprehensive coverage typically applies to theft-related losses, and simple steps like locking up and avoiding visible valuables can lower your risk.
Hail and thunderstorm damage
Severe spring and summer storms can bring hail and high winds that crack windshields and dent panels. Comprehensive coverage is usually what covers hail damage when your car isn’t in a collision.
Farm and gravel-road hazards
Gravel roads, loose debris, and construction-heavy routes can kick up rocks that chip paint and crack glass, and they can make stopping distances less predictable. Keeping your following distance and checking your glass coverage options can help reduce both risk and out-of-pocket costs.
Average cost of car insurance in major Iowa cities
|
City
|
Average monthly cost
|
|---|
|
City
|
Average monthly cost
|
|---|---|
| $148 | |
| $123 | |
| $136 | |
| $154 | |
| $136 | |
| $125 | |
| $114 | |
| $124 |
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
-
How to get temporary license plates in Iowa.
-
Learn how at-fault states affect your car insurance.
-
Understand the 6 main types of car insurance coverage.
-
Find out how much car insurance you need.
-
Learn about uninsured motorist coverage and why it matters.
FAQs
-
Is Iowa an at-fault state?
-
What happens if I drive without insurance in Iowa?
-
Does Iowa require personal injury protection (PIP) coverage?
-
What if I’m partially at-fault for an accident in Iowa?
