Best Car Insurance in Iowa

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Updated: December 29, 2025

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Best Car Insurance in Iowa: Fast Facts

MoneyGeek evaluated all insurance providers across Iowa and assessed their services based on affordability, customer satisfaction and coverage options throughout the state's residential areas. These companies offer the best car insurance in Iowa. (Click each category to learn more about the winners):

Best by Rating:

Best by Driver and Coverage:

To ensure you get a good deal on Iowa auto insurance, we also provided answers to common questions about the topic (Click to learn more).

Best Car Insurance Companies in Iowa

Travelers leads Iowa with the lowest rates for both adult and young drivers. State Farm works best for drivers with violations who need affordable coverage. IMT serves drivers with bad credit or low income, offering competitive rates when other insurers charge more.

Travelers4.77$4725
Progressive4.64$4932
Auto-Owners4.61$5716
State Farm4.28$5557
Geico4.25$5467

How We Chose the Best Car Insurance Companies in Iowa

Compare Iowa Car Insurance Rates From Top Companies

Enter your ZIP code to quickly compare quotes with top car insurance companies in Iowa.

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LEARN MORE ABOUT THE BEST CHEAP AUTO INSURANCE IN IOWA

Get more in-depth information about the best vehicle insurance in Iowa for your profile:

Travelers

Travelers: Best Cheap Iowa Car Insurance Company Overall

checkmarkpros

  • Top-ranked provider with most affordable rates in Iowa

  • ConciergeCLAIM service manages entire repair process for you

  • Excellent customer experience with fast claims response times

closecons

  • Fewer discount opportunities than many other providers

  • Limited coverage options compared to top competitors

  • Customer service and claims processing can lag

COMPANY HIGHLIGHTS

Travelers offers Iowa's lowest rates for adult and young drivers. Adults pay $47 monthly on average, $28 for minimum coverage and $66 for full coverage. Young drivers average $104 monthly. The insurer also charges the lowest premiums after accidents, DUIs, speeding tickets, or for newer vehicles.

Travelers scored 4.6 out of 5 for customer experience, ranking second in Iowa. You can file claims 24/7 through their app or visit local offices for in-person help. The mobile app handles policy updates, claims and roadside assistance requests. Coverage options scored 3.9 out of 5. Unique protections include road trip interruption coverage, pet injury coverage ($500 per accident), and rideshare driver coverage.

Read our review: Travelers Car Insurance Review

State Farm

State Farm: Best Iowa Car Insurance for Young Drivers and Customer Service

checkmarkpros

  • Low rates across most Iowa driver profiles

  • Quick weather damage claims processing

  • Large local agent network for in-person help

closecons

  • Low rates across most Iowa driver profiles

  • Quick weather damage claims processing

  • Large local agent network for in-person help

COMPANY HIGHLIGHTS

State Farm offers the lowest rates for Iowa drivers with violations, scoring 4.7 out of 5 for affordability. Coverage includes rental reimbursement, roadside assistance and pet injury protection. Drivers pay $55 monthly on average, $20 for minimum coverage and $91 for full coverage.

Customer experience scored 3.9 out of 5, ranking 5th in Iowa. The insurer processes weather damage claims quickly through its local agent network. State Farm's Pocket Agent app lets you file claims, update policies and reach your agent directly.

Coverage options scored 2.9 out of 5, below most competitors. State Farm compensates with lower premiums and reliable claims handling for Iowa's weather conditions.

Read our review: State Farm Car Insurance Review

IMT Insurance

IMT: Best Iowa Car Insurance for Seniors, High-Risk Drivers, Bad Credit and Coverage Options

checkmarkpros

  • Fast claims for Iowa weather damage

  • 140+ years serving Midwest drivers

  • Covers lock replacement and airbag deployment

closecons

  • Higher rates than most Iowa insurers

  • No rideshare coverage for Uber/Lyft drivers

  • Claims processing speed varies

COMPANY HIGHLIGHTS

IMT specializes in affordable coverage for drivers with bad credit or limited income. Beyond standard liability, collision and comprehensive insurance, IMT provides uninsured/underinsured motorist protection, medical payments and PIP coverage. Add-ons include towing and labor coverage, loan/lease gap coverage, and umbrella policies for extended liability protection. Coverage options scored 4.6 out of 5, ranking third among Iowa insurers.

IMT has served Iowa since 1884 and scored 3.5 out of 5 for customer experience (9th among competitors). Weather damage claims process quickly. The company lacks a mobile app but offers an easy-to-use website, responsive support and 24/7 claims reporting through dedicated agents.

Drivers with bad credit pay $95 monthly on average, while low-income drivers pay $73 monthly. IMT scored a perfect 5.0 out of 5 for affordability with both groups. Minimum coverage starts at $55 monthly for bad credit drivers and $40 monthly for low-income drivers.

Read our review: IMT Car Insurance Review

Best Car Insurance in Iowa by City

Travelers is the best car insurance in most Iowa cities. Depending on your city, town or village, Auto-Owners and Progressive may be better options:

  • Cities where Travelers is best: Ankeny, Bettendorf, Clinton, Davenport, Dubuque, Fort Dodge, Indianola, Marion, Mason City, Urbandale, West Burlington, West Des Moines
  • Cities where Auto-Owners is best: Ames, Cedar Rapids, Council Bluffs, Des Moines, Sioux City
  • Cities where Progressive is best: Cedar Falls, Iowa City, Waterloo

See which companies are the best for auto insurance in the 20 largest cities (by population) in the table.

AmesAuto Owners$4916
AnkenyTravelers$4425
BurlingtonTravelers$4325
Cedar FallsProgressive$4332
Cedar RapidsAuto Owners$5616
ClintonTravelers$4325
Council BluffsAuto Owners$5916
DavenportTravelers$5125
Des MoinesAuto Owners$6116
Fort DodgeTravelers$4925
IndianolaTravelers$4825
Iowa CityProgressive$4132
MarionTravelers$4825
MarshalltownAuto Owners$5016
Mason CityTravelers$4225
OttumwaTravelers$4525
Sioux CityAuto Owners$5516
UrbandaleTravelers$4525
WaterlooProgressive$4732
West Des MoinesTravelers$4325

How to Find the Best Car Insurance in Iowa

Follow these steps to find the best car insurance in Iowa.

  1. 1

    Assess Your Coverage Needs

    Evaluate your driving habits, vehicle value and financial situation. Des Moines and Cedar Rapids drivers often need higher liability limits due to accident rates and medical costs in these areas. Use our car insurance needs calculator to determine coverage levels.

  2. 2

    Study Costs and Discounts

    Iowa's average car insurance costs vary depending on location, age and driving record. Check our guide to the cheapest auto insurance providers for baseline pricing. List discounts you qualify for before requesting quotes.

  3. 3

    Evaluate Company Reputation

    Research insurers' customer service records and available coverage options to ensure quality protection. Check NAIC, A.M. Best and J.D. Power ratings for claims handling and financial stability. Read Trustpilot reviews to understand real customer experiences with support and claims processing.

  4. 4

    Gather Multiple Quotes

    Request quotes from at least five Iowa insurers with the same coverage amounts. Try comparison websites, independent agents, captive agents and company websites directly. Pricing varies by sales channel.

  5. 5

    Review Annually

    Iowa rates change due to market conditions, claims data and regulatory updates. Review your policy yearly to confirm you're getting competitive rates and adequate coverage.

  6. 6

    Understand State Requirements

    Iowa requires 20/40/15 liability coverage: $20,000 per person for bodily injury, $40,000 per accident for bodily injury and $15,000 for property damage. These minimums often don't cover all assets; consider higher limits based on your net worth.

  7. 7

    Maintain Good Credit

    Iowa insurers use credit scores to calculate premiums. Pay bills on time, keep credit utilization low and check your credit report regularly to maximize savings.

Best Auto Insurance in Iowa: FAQ

Find answers to common questions about choosing car insurance in Iowa.

Who are the cheapest car insurance providers in Iowa?

Why is car insurance so expensive in Iowa?

How much is car insurance in Iowa on average?

How can I save money on car insurance in Iowa?

How much car insurance is required in Iowa?

Is unlimited PIP still worth it in Iowa?

Best Auto Insurance Iowa: Bottom Line

Travelers, State Farm and IMT rank as the top budget-friendly options across most Iowa driver profiles. These insurers offer competitive rates while maintaining solid coverage options and customer service standards. Your ideal insurer depends on your specific circumstances, driving record and coverage preferences. Determine your coverage requirements first, compare rates and available discounts from multiple insurers, research each company's reputation and customer satisfaction scores, and gather quotes to identify the most cost-effective option for your situation.

Best Car Insurance in Iowa Chart

About Mark Fitzpatrick

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Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »

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