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 $80 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
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 | $78 | $939 |
| Progressive | $85 | $1,023 |
| National General | $86 | $1,036 |
| Dairyland | $88 | $1,056 |
| The General | $115 | $1,385 |
| ROOT | $134 | $1,604 |
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
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 | $148 | $1,774 |
| Progressive | $151 | $1,806 |
| Bluefire | $196 | $2,349 |
| Bristol West | $210 | $2,520 |
| National General | $216 | $2,595 |
| ROOT | $219 | $2,624 |
| Aspen | $226 | $2,709 |
| Aspire Advantage | $227 | $2,725 |
| Dairyland | $250 | $2,998 |
| Anchor General | $269 | $3,229 |
If you have a loan or lease on your vehicle, the lender will require
Average car insurance costs for young drivers in Iowa
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 | $221 | $2,655 |
| 21-24 | $188 | $2,256 |
Cheap liability car insurance in Iowa for a 20-year-old
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 | $144 | $1,723 |
| Dairyland | $156 | $1,870 |
| National General | $506 | $6,072 |
Cheap full coverage in Iowa for a 20-year-old
Below are the cheapest auto insurance companies in Iowa for 20-year-olds with full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bristol West | $178 | $2,140 |
| Progressive | $190 | $2,279 |
| Dairyland | $215 | $2,584 |
| ROOT | $287 | $3,448 |
Average auto insurance costs for mature drivers in Iowa (25-54)
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 | $157 | $1,885 |
| 35-44 | $146 | $1,756 |
| 45-54 | $128 | $1,540 |
Cheapest liability car insurance in Iowa for a 35-year-old
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 | $64 | $772 |
| Progressive | $72 | $859 |
| Dairyland | $87 | $1,046 |
| National General | $154 | $1,853 |
Cheapest full coverage in Iowa for a 35-year-old
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
|
|---|---|---|
| ROOT | $116 | $1,390 |
| Progressive | $153 | $1,833 |
| National General | $175 | $2,105 |
| Bristol West | $259 | $3,109 |
| Dairyland | $270 | $3,246 |
Average car insurance costs for older drivers in Iowa (55+)
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 | $114 | $1,364 |
| 65+ | $136 | $1,631 |
Cheapest liability car insurance in Iowa for a 65-year-old
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
|
|---|---|---|
| Progressive | $88 | $1,060 |
| The General | $114 | $1,368 |
Cheapest full coverage in Iowa for a 65-year-old
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 | $139 | $1,670 |
| The General | $544 | $6,522 |
| Bristol West | $600 | $7,200 |
| Dairyland | $603 | $7,237 |
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
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 | $99 | $1,188 |
| Bristol West | $110 | $1,316 |
| Progressive | $112 | $1,345 |
| Assurance America | $116 | $1,393 |
| Bluefire | $129 | $1,546 |
Cheapest car insurance with a speeding ticket in Iowa
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 |
| Safeco | $129 | $1,546 |
| Progressive | $143 | $1,717 |
| ROOT | $176 | $2,115 |
| Bristol West | $182 | $2,180 |
Cheapest car insurance after an at-fault accident with no injury in Iowa
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 |
| Assurance America | $103 | $1,236 |
| Progressive | $135 | $1,616 |
| Bristol West | $164 | $1,972 |
| Safeco | $172 | $2,065 |
Cheapest car insurance with a DUI in Iowa
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 | $111 | $1,328 |
| Bristol West | $143 | $1,713 |
| ROOT | $184 | $2,213 |
| The General | $193 | $2,317 |
| Dairyland | $294 | $3,533 |
Average auto insurance costs for Iowa drivers with other violations
Below are average car insurance costs in Iowa for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $154 | $1,849 |
| Cell Phone | $96 | $1,146 |
| Driving on Sus. License | $92 | $1,102 |
| Failure to Obey Traffic Sign | $175 | $2,104 |
| Improper Passing | $176 | $2,109 |
Cheapest auto insurance for low credit scores in Iowa
Iowa drivers with low credit scores will likely have more expensive insurance costs than those with higher scores. 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 | $100 | $1,204 |
| Assurance America | $103 | $1,236 |
| Progressive | $138 | $1,651 |
| Bristol West | $143 | $1,720 |
| Safeco | $145 | $1,740 |
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.
