Best Iowa Auto Insurance in 2024 (Your Guide to the Top 10 Companies)
USAA, State Farm, and Geico are our top providers for the top-notch and the best Iowa auto insurance, starting at $13 per month. We aim to assist you in comparing quotes from these reputable insurers, ensuring you receive optimal coverage tailored to your vehicle, along with personalized discounts.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences i...
Commercial Lines Coverage Specialist
UPDATED: Jul 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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6,435 reviewsCompany Facts
Full Coverage for Iowa
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviews
17,759 reviewsCompany Facts
Full Coverage for Iowa
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
19,116 reviewsCompany Facts
Full Coverage for Iowa
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
USAA stands out as the leading choice for superior and best Iowa auto insurance, offering comprehensive protection at affordable rates beginning as low as $13 per month.
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Teaming up with State Farm and Geico, they offer competitive prices and a variety of comprehensive coverage choices tailored to meet your individual driving requirements.
Our Top 10 Company Picks: Best Iowa Auto Insurance
Company Rank Multi-Vehicle Discount A.M. Best Best For Jump to Pros/Cons
#1 13% A+ Military Savings USAA
#2 15% B Many Discounts State Farm
#3 10% A+ Cheap Rates Geico
#4 15% A++ Local Agents Farmers
#5 10% A++ Accident Forgiveness Travelers
#6 10% A Usage Discount Nationwide
#7 10% A Customizable Polices Liberty Mutual
#8 15% A++ Student Savings American Family
#9 11% A Add-on Coverages Allstate
#10 13% A+ Online Convenience Progressive
Iowa auto insurance costs around $89 monthly for full coverage, making it more than 25% cheaper than the national average. On the other hand, you’ll get the cheapest car insurance in Iowa if you only need to meet the state minimum auto insurance requirements, which averages $22 monthly. Understand car insurance today by entering your ZIP code now.
- Iowa mandates liability coverage for all drivers
- Full coverage costs about $13/month in Iowa
- DUIs make finding cheap insurance difficult
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#1 – USAA: Top Overall Pick
Pros
- Excellent Customer Service: USAA is renowned for its top-notch customer service, providing personalized assistance to military members and their families.
- Competitive Rates: They offer some of the lowest premiums in Iowa, making them a cost-effective choice for many drivers.
- Comprehensive Coverage Options: USAA provides a wide range of coverage options like liability, collision, comprehensive, and many more tailored to meet the needs of different drivers and vehicles.
Cons
- Eligibility Restrictions: Only available to military members and their families. Read more through our USAA insurance review.
- Limited Physical Locations: Fewer local offices compared to other insurers.
#2 – State Farm: Best for Many Discounts
Pros
- Extensive Network of Agents: State Farm boasts a large network of local agents across Iowa, ensuring personalized service and support.
- Many Discount Opportunities: They offer numerous discounts, such as multi-policy, safe driver, and student discounts, helping policyholders save money.
- Strong Financial Stability: With a solid financial reputation, State Farm provides peace of mind that claims will be handled efficiently and fairly.
Cons
- Average Online Tools: Digital experience may not be as robust as some competitors. Find out more in our State Farm auto insurance review.
- Potential for Higher Rates: Without discounts, premiums can be higher than other options.
#3 – Geico: Best for Cheap Rates
Pros
- Low Premiums: Known for offering some of the cheapest rates. Read more through our Geico auto insurance review.
- User-Friendly Online Tools: They provide easy-to-use online tools for managing policies, making it convenient for customers to handle their insurance needs.
- Quick Claims Processing: Geico is praised for its fast and efficient claims processing, minimizing hassle and inconvenience for policyholders.
Cons
- Limited Agent Availability: Fewer local agents, leading to less personalized service.
- Mixed Customer Service Reviews: Customer service experiences can vary widely.
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#4 – Farmers: Best for Local Agents
Pros
- Local Agent Support: Farmers Insurance emphasizes local agent support, ensuring customers can easily reach out for personalized assistance.
- Customizable Policies: They offer flexible policy options, allowing drivers to tailor coverage to their specific needs and preferences.
- Strong Community Engagement: Farmers Insurance is actively involved in supporting local communities, which resonates well with many policyholders.
Cons
- Higher Premiums: Farmers, as mentioned in our Farmers auto insurance review, can be more expensive compared to direct-to-consumer insurers.
- Complex Discounts: Some discounts may be hard to qualify for or understand like the low-mileage, membership, and occupation-based.
#5 – Travelers: Best for Accident Forgiveness
Pros
- Accident Forgiveness Program: Travelers’ accident forgiveness program helps policyholders avoid premium increases after their first at-fault accident.
- Wide Range of Coverage Options: They offer comprehensive coverage options, including special features like rideshare insurance, liability, collision, and comprehensive coverage.
- Strong Financial Strength: Travelers Insurance has a robust financial strength rating, ensuring stability and reliability in covering claims.
Cons
- Average Customer Service: Customer service ratings are generally mediocre. Find out more through our Travelers insurance review.
- Higher Than Average Rates: Premiums can be higher than some competitors.
#6 – Nationwide: Best for Usage Discount
Pros
- Strong Digital Tools: User-friendly website and mobile app. Read more through our Nationwide auto insurance review.
- Usage-Based Discounts: Nationwide offers discounts based on driving habits through their SmartRide program, potentially lowering premiums for safe drivers.
- Member Benefits: Nationwide offers additional benefits to members beyond just insurance, enhancing overall value for policyholders.
Cons
- Limited Availability: Some discounts and policies might not be available in all areas.
- Average Rates: Not always the cheapest option, even with discounts.
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#7 – Liberty Mutual: Best for Customizable Policies
Pros
- Customizable Policies: Liberty Mutual allows customers to customize policies with various coverage options and add-ons, ensuring individual needs are met.
- 24/7 Claims Assistance: They offer around-the-clock claims assistance and support, providing peace of mind to customers during emergencies.
- Strong Financial Stability: Well-rated for financial reliability. For further insights, refer to our Liberty Mutual auto insurance review.
Cons
- High Premiums: Generally more expensive compared to other insurers.
- Mixed Customer Service: Customer service ratings can be inconsistent.
#8 – American Family: Best for Student Savings
Pros
- Discounts for Students: American Family provides significant discounts for students maintaining good grades, making insurance more affordable for young drivers.
- Innovative Policy Options: American Family offers innovative policy options like their KnowYourDrive program, which rewards safe driving habits. Also, medical payment and gap insurance coverage.
- Personalized Service: Strong network of local agents. Read more through our American Family auto insurance review.
Cons
- Higher Rates: Premiums can be higher than average.
- Limited Availability: Not available in all regions or states.
#9 – Allstate: Best for Add-ons Coverages
Pros
- Wide Range of Add-On Coverages: Allstate offers a variety of add-on coverages, including roadside assistance, accident forgiveness, and new car replacement, allowing customers to enhance their protection beyond basic policies.
- Nationwide Availability: With a vast network, Allstate ensures accessibility and support for customers across the country.
- User-Friendly Mobile App: Their mobile app offers convenient features like digital ID cards and claim tracking, enhancing customer experience.
Cons
- Expensive Premiums: Generally more expensive than other providers. Use our Allstate auto insurance review as your guide.
- Mixed Customer Reviews: Customer service and claim handling reviews vary.
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#10 – Progressive: Best for Online Convenience
Pros
- Competitive Rates: In our Progressive auto insurance review, affordable pricing, especially with discounts.
- Convenient Online Services: Progressive provides a user-friendly online platform for policy management, making it easy for customers to handle insurance tasks.
- Strong Focus on Innovation: Progressive is known for its innovative approach to insurance, continually introducing new technologies and features.
Cons
- Inconsistent Customer Service: Customer service experiences can vary widely.
- Mixed Reviews on Claims: Some customers report issues with claims handling.
Saving on Iowa Auto Insurance Policies
Iowa Driving and DUI Laws
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Getting SR-22 Auto Insurance in Iowa
To get SR-22 auto insurance in Iowa, contact your insurer to file the certificate, possibly with a fee. Being high-risk for needing SR-22 could lead to your insurer dropping coverage, but they must notify you first. Finding new insurance may be tough and may come with extra fees.
If insurers refuse coverage, consider Iowa’s Automobile Insurance Plan. SR-22 certificates are required for serious offenses like DUIs or driving without insurance, lasting up to two years after license reinstatement for severe violations. Comprehensive auto insurance covers damages beyond basic liability in accidents or other incidents.
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Frequently Asked Questions
What auto insurance is required by law in Iowa?
All drivers need to carry an Iowa car insurance policy if they live in Iowa. Drivers will need both bodily injury liability insurance and property damage liability insurance in Iowa’s required amounts. Driving without auto insurance can result in multiple fines, increased car insurance rates, and the loss of driving privileges.
Is Iowa a no-fault state?
No, Iowa is a “tort” state, which means at-fault drivers are held financially liable damages they cause in an accident. s. This is why we recommend carrying full coverage and a higher limit of liability insurance than what the state of Iowa requires.
Otherwise, if get in an at-fault accident, you’re on the hook for any costs beyond your limits and your own car insurance repairs. It’s often better to pay the higher rate for more comprehensive insurance coverage than suffer financial losses after a car accident.
What is SR-22 insurance in Iowa?
Iowa can require drivers to obtain an SR-22 certificate from their auto insurance provider for driving without insurance, reckless driving, or other serious violations such as drunk driving. Having an SR-22 certificate provides assurance that high-risk drivers have the right coverage.
Is Iowa auto insurance expensive?
No, Iowa’s average auto insurance cost is below the national average. Enter your ZIP code now to begin comparing.
What is the average cost of car insurance in Iowa per month?
Minimum liability insurance in Iowa costs an average of $22 monthly. The average cost of car insurance in Iowa per month is $89 for full coverage. These average rates will change from driver to driver, but this is the basic price point and is cheaper than the minimum liability rates in other states.
Why is car insurance so cheap in Iowa?
Iowa auto insurance or collision insurance costs around $89 monthly for full coverage. One of the reasons Iowans enjoy low auto insurance rates because the state isn’t densely populated. It also has few car thefts and little traffic.
Which company has the cheapest auto insurance in Iowa?
If you are a military member or a veteran, then USAA has some of the cheapest rates for auto insurance in Iowa. However, if you don’t qualify for USAA, then State Farm has some of the cheapest rates on average for Iowa drivers.
Just keep in mind that rates vary drastically from driver to driver, even at the cheapest companies. You should shop around at a few different companies to make sure you are getting the cheapest insurance rates. Enter your ZIP code now.
What’s the cheapest way to get car insurance?
Use online auto insurance comparison quote tools such as ours to obtain multiple quotes from top car insurance providers to find the most affordable rate. Also ask for auto insurance discounts, such as for bundling your home and auto insurance, insuring multiple cars, having a clean driving record, and paying your bill in full.
Should I pick the cheapest car insurance in Iowa?
While sometimes picking the cheapest rate of types of auto insurance you can find is the best option, we also encourage drivers to consider the company’s coverage options, customer service ratings, and financial ratings.
A company may offer a cheaper rate but have a terrible reputation for customer service and denying claims, in which case you may want to go with a slightly more expensive car insurance company that has a better rating.
What is the most expensive city in Iowa for car insurance?
Sioux City is one of the most expensive Iowa cities for auto insurance. In addition, you’ll pay high rates for Des Moines, IA auto insurance.
Can my insurance company cancel my policy in Iowa?
In Iowa, insurance companies are generally allowed to cancel an auto insurance policy under certain circumstances. However, they must provide proper notice to the policyholder as required by state regulations. Common reasons for policy cancellation include non-payment of premiums, material misrepresentation, or significant changes in risk.
It’s important to review your policy and understand the terms and conditions to avoid potential cancellation. Enter your ZIP code now to begin.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences i...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
