Key Takeaways
- Bristol West, National General and Progressive offer some of the cheapest car insurance in Iowa.
- The average cost of minimum coverage in Iowa is around $90 per month.
- Compare quotes from multiple insurers to find cheap car insurance in Iowa.
The cheapest car insurance in Iowa may come from providers like Bristol West, National General and Progressive. These are regularly among the most affordable companies in the state, according to real policy quotes for Jerry customers.
Here are more cheap options for both minimum and full coverage, plus by age, driving history and credit score.
To find the best car insurance in Iowa, compare car insurance quotes from multiple insurers.
Cheap liability car insurance in Iowa
Iowa drivers can maintain legal insurance coverage affordably by selecting a minimum liability plan. These policies are designed to assist with costs when you’re responsible for another person’s medical bills or property repairs. If your goal is to keep premiums low and you’re not worried about your own car’s damage, this type of policy fits well. To get the best deal, Iowa residents should compare offers across different insurers.
Here are the most affordable insurers in Iowa for minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bristol West | $81 | $969 |
| Progressive | $89 | $1,063 |
| National General | $89 | $1,064 |
| Dairyland | $92 | $1,102 |
| The General | $118 | $1,416 |
| ROOT | $134 | $1,613 |
Minimum car insurance requirements in Iowa
Drivers in Iowa are required to carry these liability limits:
- $20,000 in bodily injury liability per person.
- $40,000 in bodily injury liability per accident.
- $15,000 in property damage liability per accident.
Cheap full coverage car insurance in Iowa
Shopping for cheap full coverage auto insurance in Iowa means choosing a plan that gives complete protection against various risks. Full coverage helps cover things like hail damage, break-ins, animal collisions or car accidents — so both your vehicle and others’. It’s a must-have if your vehicle has substantial worth, since repairs or replacements after an accident are only included in full policies.
Here are the most affordable insurers in Iowa for full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $149 | $1,785 |
| Progressive | $168 | $2,017 |
| National General | $210 | $2,524 |
| ROOT | $220 | $2,636 |
| Bristol West | $225 | $2,702 |
| Dairyland | $256 | $3,076 |
| Gainsco | $287 | $3,438 |
| The General | $297 | $3,567 |
If you have a loan or lease on your vehicle, the lender will require
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
Average car insurance costs for young drivers in Iowa
Auto insurance rates for young drivers in Iowa are higher largely because they’re viewed as more accident-prone. Without years of experience, insurers see them as a gamble when it comes to claims and even responsible drivers fall into the high-risk youth category. Enrolling in driving courses or choosing low-risk vehicles can help lower costs for Iowa drivers.
Below are the average costs of car insurance in Iowa for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $232 | $2,789 |
| 21-24 | $186 | $2,233 |
Cheap liability car insurance in Iowa for a 20-year-old
For young drivers in Iowa, liability-only insurance offers just enough protection to get on the road without overspending. It’s a smart fit for those driving older cars and watching their finances closely as this approach meets legal requirements and preserves more room in the monthly budget.
Here are the most affordable insurers in Iowa for 20-year-olds with minimum coverage policies, according to real car insurance quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $154 | $1,842 |
| Dairyland | $156 | $1,870 |
| National General | $506 | $6,072 |
Cheap full coverage in Iowa for a 20-year-old
A 20-year-old in Iowa could opt for full coverage insurance to shield their car from from financial disasters, especially for high value cars or people who drive frequently.
Below are the cheapest auto insurance companies in Iowa for 20-year-olds with full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $275 | $3,303 |
| ROOT | $298 | $3,577 |
| Dairyland | $305 | $3,662 |
Average auto insurance costs for mature drivers in Iowa (25-54)
Experienced drivers in Iowa tend to pay less for auto insurance because their steady driving patterns over the years. Insurers are more likely to offer competitive pricing to those with clean records and long-term consistency behind the wheel often brings financial benefits.
Below are the average costs of car insurance for drivers in Iowa between the ages of 25 and 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $161 | $1,931 |
| 35-44 | $155 | $1,854 |
| 45-54 | $135 | $1,619 |
Cheapest liability car insurance in Iowa for a 35-year-old
In Iowa, a 35-year-old may opt for liability-only insurance when they’ve driven the same car for years without issue. Their steady record and the vehicle’s depreciated value may make minimal coverage feel appropriate. Choosing this option helps them save money without cutting corners on legality. It’s a no-frills solution that serves both budget and responsibility.
Here are the most affordable insurers in Iowa for 35-year-olds with minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bristol West | $88 | $1,051 |
| Progressive | $91 | $1,094 |
| Dairyland | $102 | $1,230 |
| ROOT | $111 | $1,332 |
| The General | $114 | $1,364 |
Cheapest full coverage in Iowa for a 35-year-old
A 35-year-old in Iowa might prefer full coverage insurance for peace of mind as this policy type helps cover damage from both natural and man-made causes. It’s particularly useful for those who rely on their car for work or family events.
Here are the most affordable insurers in Iowa for 35-year-olds with full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $175 | $2,105 |
| Progressive | $188 | $2,255 |
| The General | $276 | $3,313 |
| Dairyland | $288 | $3,459 |
| Bristol West | $301 | $3,607 |
Average car insurance costs for older drivers in Iowa (55+)
Older drivers in Iowa might see premium increases due to natural declines in vision and coordination. While their driving habits may stay steady, insurance companies anticipate growing risk over time as they age.
Below are the average costs of car insurance for drivers in Iowa 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $123 | $1,475 |
| 65+ | $102 | $1,227 |
Cheapest liability car insurance in Iowa for a 65-year-old
In Iowa, drivers 65 and older might find liability-only coverage ideal when their travel needs become modest. Fewer miles and familiar roads reduce the need for expansive coverage and seniors with well-maintained older vehicles often prefer to avoid paying for extras. This strategy helps them stay protected without overspending.
Here are the most affordable insurers in Iowa for 65-year-olds with minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
Cheapest full coverage in Iowa for a 65-year-old
In Iowa, older drivers may opt for full coverage to shield their vehicles from accidents and harsh weather conditions. Preserving savings from unexpected repair costs may be a critical concern. Many seniors depend on their vehicles for daily necessities, making comprehensive protection essential.
Here are the most affordable insurers in Iowa for 65-year-olds with full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $96 | $1,153 |
| Bristol West | $145 | $1,736 |
| Dairyland | $168 | $2,021 |
Cheapest car insurance in Iowa by driving history
Your driving history affects how much you pay for an auto insurance policy. If you have a clean record, you’ll likely pay less than a driver with a violation like a speeding ticket, at-fault accident or other citation.
Cheap car insurance for drivers with clean records in Iowa
A clean driving record in Iowa often results in easier access to insurance and potentially better rates. It shows that you follow traffic laws and avoid risky behavior.
Here are the most affordable insurers in Iowa for those with clean driving records, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $104 | $1,250 |
| Progressive | $119 | $1,431 |
| Bristol West | $122 | $1,465 |
| Dairyland | $172 | $2,070 |
| ROOT | $187 | $2,244 |
Cheapest car insurance with a speeding ticket in Iowa
Speeding tickets in Iowa can impact your standing with insurance providers. They are often seen as warning signs of careless or aggressive driving and even if it's a minor infraction, it can influence your overall risk rating. Insurers take note of these details when adjusting your policy terms or pricing.
These are the cheapest car insurance companies in Iowa for drivers with a speeding ticket, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $75 | $904 |
| Progressive | $154 | $1,852 |
| National General | $175 | $2,094 |
| ROOT | $181 | $2,168 |
| Bristol West | $183 | $2,195 |
Cheapest car insurance after an at-fault accident with no injury in Iowa
Being at fault in a damage-only accident in Iowa can still affect your insurance situation. It suggests a lack of attentiveness or misjudgment behind the wheel. Insurers may reassess your premium based on that event because even without injuries, the financial cost is still a factor.
Below are the cheapest auto insurers in Iowa for people with an at-fault accident with no injury on their driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $75 | $904 |
| Progressive | $152 | $1,828 |
| National General | $167 | $2,004 |
| ROOT | $186 | $2,234 |
| Bristol West | $189 | $2,272 |
Cheapest car insurance with a DUI in Iowa
A DUI conviction in Iowa sends a strong signal to insurers that you may be a high-risk driver. This can result in the loss of standard policy access and you may also face long-term consequences when applying for future coverage.
Below are the cheapest auto insurers in Iowa for people with a DUI on their driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $92 | $1,108 |
| Bristol West | $153 | $1,840 |
| ROOT | $176 | $2,116 |
| Dairyland | $251 | $3,018 |
| The General | $288 | $3,450 |
Average auto insurance costs for Iowa drivers with other violations
Traffic violations in Iowa, such as ignoring signage or driving with a suspended license, affect how insurers assess your risk. These actions show inconsistency in following the rules of the road and insurers use them to help estimate your claim potential. Repeated issues can lead to fewer policy options.
Below are average car insurance costs in Iowa for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $187 | $2,241 |
| Driving on Sus. License | $122 | $1,465 |
| Failure to Obey Traffic Sign | $213 | $2,553 |
| Improper Passing | $176 | $2,109 |
| Open Container | $127 | $1,529 |
Cheapest auto insurance for low credit scores in Iowa
In Iowa, poor credit may result in higher insurance costs due to how insurers view financial responsibility. A lower score might raise concerns about policy reliability and it’s often treated as a reflection of how someone manages risk. These impressions can influence coverage terms.
Here are the most affordable insurers in Iowa for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $44 | $526 |
| The General | $147 | $1,768 |
| Bristol West | $148 | $1,771 |
| Progressive | $152 | $1,829 |
| Dairyland | $180 | $2,157 |
Learn more: How a credit-based insurance score works
How to find cheap car insurance in Iowa
Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.
You can also try these tips to lower your auto insurance costs:
- Ask your insurer about discounts you qualify for.
- Install a telematics app on your phone.
- Improve your credit score.
- Pay your policy in full.
- Bundle your home and car insurance policies with the same company.
More: Best car insurance companies
Factors that affect car insurance costs in Iowa
How much you pay for coverage depends on a variety of factors, including your:
- ZIP code.
- Driving history.
- Vehicle’s year, make, and model.
- Claims history.
- Car usage and miles driven.
- Deductible.
More: How car insurance rates are calculated
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
