Candace Baker, Car Insurance Writer
@candacebaker
Car insurance in Iowa costs $25 per month or $294 per year for minimum coverage, on average. The cheapest car insurance companies in Iowa are American National, Auto-Owners, and State Farm, and getting quotes from several companies can help you find the best deal.
The average cost of car insurance in Iowa is 44% lower than the national average auto insurance premium. There are several factors that affect how much you'll pay for car insurance in Iowa, including your driving record, age and location, the amount of coverage you purchase, and the insurance company you buy it from.
Average Cost of Car Insurance in Iowa by Category
- After an at-fault accident: $84 per month
- Driver with poor credit: $43 per month
- Teen driver: $118 per month
- After a DUI: $49 per month
Average Cost of Car Insurance in Iowa by Company
Company | Minimum Coverage | Full Coverage |
$531 per year | $1,672 per year | |
$454 per year | $1,348 per year | |
$512 per year | $1,777 per year | |
$250 per year | $1,178 per year | |
$245 per year | $1,370 per year | |
$356 per year | $1,129 per year | |
$252 per year | $1,430 per year | |
$192 per year | $796 per year | |
$335 per year | $1,192 per year | |
$201 per year | $1,228 per year |
Note: Rates are an approximation based on a 45-year-old man in Iowa with a clean driving record. Actual rates will vary.
Average Cost of Car Insurance in Iowa by Age
Age | Average Premium |
$1,416 per year | |
$1,150 per year | |
$1,005 per year | |
$826 per year | |
$735 per year | |
$576 per year | |
$524 per year | |
$477 per year | |
$443 per year | |
$383 per year | |
$313 per year | |
$294 per year | |
$274 per year | |
$294 per year |
Note: Rates are an approximation based on a driver in Iowa with minimum coverage and a clean driving record. Actual rates will vary.
How to Lower the Cost of Car Insurance in Iowa
- Shop around and compare quotes. We recommend comparing quotes from at least three different insurance companies to make sure you are getting the best rate.
- Choose a higher deductible. Your deductible is the amount you have to pay out of pocket before your insurance kicks in. Choosing a higher deductible can lower your premiums but means you will have to pay more out-of-pocket when you file a claim.
- Consider lowering your coverage. Consider purchasing only the minimum amount of coverage required by your state, rather than purchasing higher limits or a full coverage policy.
- Look for discounts you may be eligible for. For instance, most insurance companies offer a good-driver discount for customers with a clean driving record, a good-student discount, or a discount for paying your premiums in full up front.
To learn more, check out our guide to how much car insurance you need in Iowa as well as our picks for the cheapest car insurance companies in Iowa.
People also ask
How much car insurance do I need in Iowa?
Iowa law requires you to have $20,000 in coverage for one person’s bodily injury or death, up to $40,000 total per accident. Iowa also requires you to carry at least $15,000 in coverage for other people’s property damage when you are at fault.
How Much Car Insurance Drivers Need in Iowa
| Coverage Type | Minimum Coverage Limit |
| Bodily Injury Liability Coverage (per person) | $20,000 |
Why is Iowa car insurance so expensive?
Car insurance in Iowa is actually not very expensive because the state has minimal insurance requirements, which allows drivers to customize their policies and creates competition among insurers. In Iowa, you can expect to pay approximately $2,665 per year for full coverage car insurance or $622 per year for minimum coverage. Car insurance in Iowa is less expensive than the national average, which is around $4,211 per year for full coverage and about $1,407 per year for minimum coverage.
The cost of car insurance...
read full answer by Anamarie Waite, Car Insurance WriterWhat is the penalty for driving without insurance in Iowa?
If you are caught driving without insurance in Iowa, you may face the impoundment your car after the first offense. Penalties for repeat offenses may be even harsher. You can avoid these consequences by meeting Iowa's minimum car insurance requirements.
Penalties for Driving Without Insurance in Iowa
| Type of Offense | License Suspended? | Registration Suspended? | Maximum Fines & Fees |
Did we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.