Iowa Car Insurance Calculator

• Iowa-specific rate data. Rates in our calculator are based on Iowa insurer filings with state regulators, not broker estimates. Every factor adjustment uses Iowa data, not national averages.
• No advertiser influence. MoneyGeek does not accept payment to feature any insurer in our calculators. Rankings reflect the data only.
• Expert reviewed. Page authored by Mark Fitzpatrick, Licensed P&C Insurance Producer, and reviewed by Mark Friedlander of the Insurance Information Institute.

The difference between the cheapest and most expensive carrier in Iowa is $37/month for minimum coverage and $75/month for full coverage. 

• State Farm prices minimum coverage at $19/month. Allstate prices the same coverage in Iowa at $56/month for the same driver.
• For full coverage, Travelers is the cheapest option in Iowa at $66/month, and Grinnell is the most expensive at $141/month, a difference of $75/month.

This means that your insurer choice in Iowa can save you up to $900 annually because each insurer prices your profile differently. To save, compare quotes from at least 3 of Iowa's cheapest insurers, and up to 5 if you want the lowest price.

The zip code where you park your car is the location Iowa insurers use to price your policy. Council Bluffs is the most expensive Iowa city at $112/month for full coverage. Iowa City is the cheapest at $84/month. That $28/month gap, or $336/year, applies to an identical driver with an identical vehicle. 
If you have recently moved are are planning to move, re-shop your policy to lower your rate in Iowa.  If you store a car, you can choose a location outside the larger cities in Iowa to save.

At 16, rates average $255 to $275/month on a family policy and Progressive is the lowest cost option. Travelers is cheapest from age 17 through 25, with rates dropping every year from around $228/month at 17 down to $143/month by 25. The biggest single-year rate drop happens at 19, not 25, so getting new quotes every year between 16 and 25 saves more than waiting until 25 to re-shop.

For seniors, Progressive is cheapest at $82/month, with Travelers at $86/month and State Farm at $90/month. All three fall within $8/month of each other, making Iowa one of the more competitive states for senior rates. Rates start rising again after 65 and keep climbing through the 70s. Re-shop at every renewal after 65, not just once. See our when car insurance rates go down guide for the full age timeline.

Iowa allows credit-based insurance pricing. Drivers with poor credit pay $323/month for full coverage vs. $94/month for drivers with good credit, a $229/month difference or $2,748/year for identical coverage. 

Iowa insurers penalize drivers with poor than in most other states.  In our Iowa rate analysis, IMT Insurance, State Farm and Progressive had the lowest rates between $139 and $198, below Iowas average for poor credit

Check your credit report for errors before requesting quotes. Iowa insurers use a credit-based insurance score, not your FICO score, and an uncorrected error costs you at every renewal.

Violations add $26 to $79/month to Iowa full coverage rates depending on severity. A speeding ticket adds $26/month ($313/year). An at-fault accident adds $38/month ($456/year). A DUI adds $79/month ($948/year). 

Violations stay on your Iowa driving record for five years according to the Iowa Department of Transportation. Re-shop your Iowa policy when violations clear off your record.  Your insuance company may not drop your rate proactively.

Full coverage averages $98/month in Iowa. Minimum coverage averages $33/month, and meets Iowa's 20/40/15 state requirement.  

You can save $65/ month in Iowa by choosing minimum coverage, but this extra cost per month gets you 100/300/100 liability limits with comprehensive and collision coverage to protect you car in the case of an accident, theft, vandalism, and weather damage. It's worth having full coverage it for most Iowa drivers and required by lenders if you finance. If you driver a car with a KBB.com estimate of less than $5,000, it makes sense to drop the protection.

Full coverage in Iowa ranges from $105/month for a Honda Civic to $186/month for a Tesla Model Y, an $81/month difference on the same state roads. Electric vehicles cost more to insure because parts and repairs are more expensive than on conventional vehicles, which is why the Tesla Model Y runs $80/month more than a Honda Civic in Iowa. 

If you're buying a truck, the Ford F-150 is one of the cheapest vehicles to insure in Iowa at $106/month for full coverage, a practical choice for drivers who need a vehicle without a high insurance bill. If you're considering an EV, the Tesla Model 3 at $156/month costs $51/month more than a Honda Civic for the same coverage, a gap worth factoring into your total cost before you buy. See our average Iowa car insurance rates by vehicle guide.

Pays medical bills, lost wages and legal costs of people you injure when you're at fault. Per the Iowa Insurance Division, Iowa's minimum is $20,000 per person and $40,000 per accident. Drivers with assets to protect should carry at least $100,000 per person and $300,000 per accident. Bodily injury liability at 100/300 limits costs roughly $20 to $30 more per month than the minimum and raises the per-person protection five times.

Pays for damage you cause to other vehicles and property when you're at fault. Iowa's minimum is $15,000 per accident, one of the lowest floors in the country. [The average new vehicle price is more than $48,000]( Pays for damage you cause to other vehicles and property when you're at fault. Iowa's minimum is $15,000 per accident, one of the lowest floors in the country. The average new vehicle price exceeds $40,000, meaning the minimum doesn't cover the replacement cost of most vehicles on the road. $100,000 in property damage coverage is the standard recommendation.), meaning the minimum doesn't cover the replacement cost of most vehicles on the road. $100,000 in property damage coverage is the standard recommendation with more needed for those with assets over $500,000.

Uninsured and underinsured motorist coverage will pay for your injuries and car damage when the driver does have insurance or doesn't have enough insurance.  Iowa law requires this coverage on every policy unless you reject it, but our recommendation is to keep it as it only adds about $5/month and protects you from 11.4% uninsured drivers.

Comprehensive and Collision Coverage Comprehensive pays for theft, hail, tornado damage and other non-collision events. Collision pays for damage to your own car after a crash regardless of fault. Iowa ranks 6th nationally for tornado count, averaging 48 per year per NOAA, and ranks 6th for deer-vehicle collisions. Both risks are covered by comprehensive and neither is covered by liability. Lenders require both on financed vehicles.

Gap insurance pays the difference between what your car is worth right now and what you still owe on the loan if it's totaled. Iowa's severe weather and hail exposure creates more total-loss events than states without active tornado seasons. Any driver who owes more than the car's current market value should have it.