Compare Rates and Save On Auto Insurance

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West Bend Mutual offers the cheapest car insurance in Iowa overall. But depending on the type of driver you are, American Family or Allstate might be more affordable.

MoneyGeek ranked the best auto insurance companies in Iowa for drivers who value both affordability and quality of service.

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2023

Table of Contents

Cheapest Minimum Liability Car Insurance in Iowa (June 2023)

On average, the following are the cheapest auto insurance companies offering minimum coverage policies in Iowa:

  • West Bend Mutual: $181 per year
  • Progressive: $183 per year

MoneyGeek found that Allstate had the most expensive minimum coverage premiums, at approximately $933 annually.

Minimum insurance coverage requirements in Iowa are limited to bodily injury liability and property damage liability.

Company
Annual Premium
Monthly Premium

Progressive

$163

$14

West Bend Mutual

$181

$15

Progressive

$183

$15

West Bend Mutual

$195

$16

Westfield

$211

$18

Iowa Farm Bureau

$220

$18

West Bend Mutual

$225

$19

Western National

$227

$19

Western National

$232

$19

Westfield

$236

$20

Iowa Farm Bureau

$246

$20

Progressive

$247

$21

Westfield

$251

$21

American Family

$276

$23

Iowa Farm Bureau

$278

$23

Grange Insurance

$288

$24

American Family

$288

$24

IMT Insurance Company

$294

$24

Grange Insurance

$296

$25

IMT Insurance Company

$302

$25

GEICO

$302

$25

State Farm

$306

$26

Grinnell Mutual

$310

$26

American Family

$314

$26

State Farm

$326

$27

Grange Insurance

$327

$27

Farmers

$328

$27

Travelers

$331

$28

Farmers

$339

$28

GEICO

$350

$29

Grinnell Mutual

$352

$29

Travelers

$353

$29

Travelers

$377

$31

Western National

$383

$32

GEICO

$394

$33

State Farm

$396

$33

Auto-Owners Insurance Co

$399

$33

Farmers

$406

$34

Auto-Owners Insurance Co

$412

$34

IMT Insurance Company

$439

$37

Grinnell Mutual

$464

$39

West Bend Mutual

$548

$46

West Bend Mutual

$548

$46

Auto-Owners Insurance Co

$588

$49

American Family

$634

$53

West Bend Mutual

$656

$55

Progressive

$698

$58

American Family

$717

$60

Iowa Farm Bureau

$744

$62

Westfield

$749

$62

American Family

$749

$62

Travelers

$761

$63

IMT Insurance Company

$774

$65

Farmers

$785

$65

Westfield

$801

$67

Travelers

$813

$68

Progressive

$823

$69

GEICO

$824

$69

Grange Insurance

$825

$69

GEICO

$826

$69

IMT Insurance Company

$827

$69

Farmers

$863

$72

Iowa Farm Bureau

$869

$72

Grange Insurance

$892

$74

Allstate

$933

$78

Allstate

$945

$79

Travelers

$958

$80

Iowa Farm Bureau

$988

$82

Western National

$1,026

$86

Westfield

$1,026

$86

Farmers

$1,036

$86

IMT Insurance Company

$1,039

$87

Grange Insurance

$1,052

$88

State Farm

$1,059

$88

Allstate

$1,078

$90

Grinnell Mutual

$1,088

$91

GEICO

$1,111

$93

Progressive

$1,114

$93

Western National

$1,192

$99

State Farm

$1,205

$100

Auto-Owners Insurance Co

$1,264

$105

Grinnell Mutual

$1,312

$109

Auto-Owners Insurance Co

$1,411

$118

State Farm

$1,512

$126

Allstate

$1,641

$137

Allstate

$1,716

$143

Western National

$1,784

$149

Grinnell Mutual

$1,815

$151

Auto-Owners Insurance Co

$1,930

$161

Allstate

$2,177

$181

Only the damages you cause to others are covered under minimum coverage policies. Your car is not covered. Comprehensive and collision insurance, generally referred to as a full coverage policy, can provide you with better protection.

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Cheapest Full Coverage Car Insurance in Iowa (June 2023)

On average, the cheapest full coverage auto insurance policies in Iowa are from:

  • West Bend Mutual: $548 per year
  • American Family: $717 per year

Allstate has the most expensive full coverage policy in Iowa, with yearly premiums of approximately $1,716.

Typically, full coverage is more expensive. Compared with West Bend Mutual's minimum coverage, which costs around $181 annually, the company's full coverage policy is roughly $367 more expensive.

Full coverage provides greater financial protection, especially in the event of a collision with another vehicle or an off-road occurrence. Vandalism and flooding are often covered by a full coverage policy.

Company
Annual Premium
Monthly Premium

Progressive

$163

$14

West Bend Mutual

$181

$15

Progressive

$183

$15

West Bend Mutual

$195

$16

Westfield

$211

$18

Iowa Farm Bureau

$220

$18

West Bend Mutual

$225

$19

Western National

$227

$19

Western National

$232

$19

Westfield

$236

$20

Iowa Farm Bureau

$246

$20

Progressive

$247

$21

Westfield

$251

$21

American Family

$276

$23

Iowa Farm Bureau

$278

$23

Grange Insurance

$288

$24

American Family

$288

$24

IMT Insurance Company

$294

$24

Grange Insurance

$296

$25

IMT Insurance Company

$302

$25

GEICO

$302

$25

State Farm

$306

$26

Grinnell Mutual

$310

$26

American Family

$314

$26

State Farm

$326

$27

Grange Insurance

$327

$27

Farmers

$328

$27

Travelers

$331

$28

Farmers

$339

$28

GEICO

$350

$29

Grinnell Mutual

$352

$29

Travelers

$353

$29

Travelers

$377

$31

Western National

$383

$32

GEICO

$394

$33

State Farm

$396

$33

Auto-Owners Insurance Co

$399

$33

Farmers

$406

$34

Auto-Owners Insurance Co

$412

$34

IMT Insurance Company

$439

$37

Grinnell Mutual

$464

$39

West Bend Mutual

$548

$46

West Bend Mutual

$548

$46

Auto-Owners Insurance Co

$588

$49

American Family

$634

$53

West Bend Mutual

$656

$55

Progressive

$698

$58

American Family

$717

$60

Iowa Farm Bureau

$744

$62

Westfield

$749

$62

American Family

$749

$62

Travelers

$761

$63

IMT Insurance Company

$774

$65

Farmers

$785

$65

Westfield

$801

$67

Travelers

$813

$68

Progressive

$823

$69

GEICO

$824

$69

Grange Insurance

$825

$69

GEICO

$826

$69

IMT Insurance Company

$827

$69

Farmers

$863

$72

Iowa Farm Bureau

$869

$72

Grange Insurance

$892

$74

Allstate

$933

$78

Allstate

$945

$79

Travelers

$958

$80

Iowa Farm Bureau

$988

$82

Western National

$1,026

$86

Westfield

$1,026

$86

Farmers

$1,036

$86

IMT Insurance Company

$1,039

$87

Grange Insurance

$1,052

$88

State Farm

$1,059

$88

Allstate

$1,078

$90

Grinnell Mutual

$1,088

$91

GEICO

$1,111

$93

Progressive

$1,114

$93

Western National

$1,192

$99

State Farm

$1,205

$100

Auto-Owners Insurance Co

$1,264

$105

Grinnell Mutual

$1,312

$109

Auto-Owners Insurance Co

$1,411

$118

State Farm

$1,512

$126

Allstate

$1,641

$137

Allstate

$1,716

$143

Western National

$1,784

$149

Grinnell Mutual

$1,815

$151

Auto-Owners Insurance Co

$1,930

$161

Allstate

$2,177

$181

Your premiums are significantly influenced by how much auto insurance you need. MoneyGeek's sample full coverage policy with liability protection includes:

  • $100,000 in bodily injury liability per person
  • $300,000 in bodily injury liability per accident
  • $100,000 in property damage liability per accident

If you want to save money, you could drop your comprehensive and collision coverage or raise your deductible. However, you may lack adequate coverage in the event of an accident.

How to Compare Cheap Iowa Car Insurance Quotes Online

Typically, auto insurance rates can be obtained online. However, some insurance carriers require you to submit personal information, and these applications might take up to 15 minutes to complete. Comparing premiums can be time-consuming because you must provide information to each company's website.

MoneyGeek provides an auto insurance calculator so that you do not have to share your personal information with many companies. Simply enter your driving record, age and gender to obtain an estimate of the cheapest options. This can help you get started with your search for a car insurance company.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

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Cheapest Car Insurance in Iowa by Age (June 2023)

Car insurance rates in Iowa change depending on age. Allstate, West Bend Mutual and Country Financial on average are cheapest for family members of different ages.

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: Allstate
Cheapest for young adults: West Bend Mutual
Cheapest for seniors: West Bend Mutual

Cheapest Car Insurance in Iowa for Teens and Their Families (June 2023)

In Iowa, the average cheapest auto insurance companies for teenagers on their parents' coverage are:

  • Allstate: $1,644 per year for male and State Farm for $1,332 for female teens
  • State Farm: $1,698 per year for male teens and Allstate for $1,644 per year for female teens

Travelers has the most expensive policy for teenage males, at an average of $2,217 by the provider, whereas Farmers has the most expensive rates for teenage females, at an average of $1,992.

A teen's car insurance rates decrease with age anywhere in the U.S. including Iowa, with 19-year-olds having to pay the cheapest premiums. In the state, the provider with the lowest rate for 19-year-old males is Allstate ($1,217 per year).

These rates are for a 16-year-old on a family auto insurance policy. Adding a teenager to a family policy is frequently more economical than purchasing a separate policy. For instance, an individual policy for a 16-year-old driver in Iowa typically costs roughly $2,281 more than adding him to a family policy.

Company
Family Plan Annual Premium
Individual Plan Annual Premium

State Farm

$1,392

$1,839

State Farm

$1,427

$1,884

State Farm

$1,443

$1,902

Allstate

$1,717

$5,365

Allstate

$1,717

$5,365

Allstate

$1,743

$5,445

Allstate

$1,743

$5,445

Travelers

$1,770

$3,567

State Farm

$1,774

$2,315

Travelers

$1,778

$3,583

Allstate

$1,796

$5,613

Allstate

$1,796

$5,613

State Farm

$1,820

$2,372

Travelers

$1,834

$3,698

Progressive

$1,836

$5,588

State Farm

$1,840

$2,394

Progressive

$1,849

$5,631

GEICO

$1,859

$3,593

GEICO

$1,872

$3,618

Auto-Owners Insurance Co

$1,894

$1,901

GEICO

$1,938

$3,745

Progressive

$1,953

$5,948

GEICO

$1,989

$3,504

Auto-Owners Insurance Co

$1,992

$2,001

Farmers

$2,000

$5,178

Progressive

$2,002

$6,102

GEICO

$2,003

$3,529

Auto-Owners Insurance Co

$2,009

$2,641

Progressive

$2,016

$6,149

Farmers

$2,035

$5,267

GEICO

$2,074

$3,653

Auto-Owners Insurance Co

$2,113

$2,780

Farmers

$2,119

$5,617

Progressive

$2,129

$6,496

Farmers

$2,149

$5,561

Farmers

$2,156

$5,714

Travelers

$2,227

$4,566

Travelers

$2,237

$4,587

Auto-Owners Insurance Co

$2,270

$2,282

Farmers

$2,277

$6,033

Travelers

$2,308

$4,734

Auto-Owners Insurance Co

$2,408

$3,170

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MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

Families with young drivers might be eligible for discounts that lower their rates. All of the car insurance providers in Iowa we looked into provide good student discounts and distant student discounts with the exception of GEICO, which only offers good student discounts.

Cheapest Car Insurance in Iowa for Young Adults (June 2023)

On average, the auto insurers offering the cheapest full coverage car insurance for Iowa drivers in their 20s are:

  • West Bend Mutual: $656 per year
  • American Family: $749 per year

Allstate is the most expensive insurer in the state, with policies costing around $2,177 annually.

Younger drivers typically pay more for auto insurance than middle-aged drivers. In Iowa, young drivers pay approximately $108 more for the cheapest coverage than drivers who are 40 years of age.

Company
Annual Premium
Monthly Premium

Progressive

$163

$14

West Bend Mutual

$181

$15

Progressive

$183

$15

West Bend Mutual

$195

$16

Westfield

$211

$18

Iowa Farm Bureau

$220

$18

West Bend Mutual

$225

$19

Western National

$227

$19

Western National

$232

$19

Westfield

$236

$20

Iowa Farm Bureau

$246

$20

Progressive

$247

$21

Westfield

$251

$21

American Family

$276

$23

Iowa Farm Bureau

$278

$23

Grange Insurance

$288

$24

American Family

$288

$24

IMT Insurance Company

$294

$24

Grange Insurance

$296

$25

IMT Insurance Company

$302

$25

GEICO

$302

$25

State Farm

$306

$26

Grinnell Mutual

$310

$26

American Family

$314

$26

State Farm

$326

$27

Grange Insurance

$327

$27

Farmers

$328

$27

Travelers

$331

$28

Farmers

$339

$28

GEICO

$350

$29

Grinnell Mutual

$352

$29

Travelers

$353

$29

Travelers

$377

$31

Western National

$383

$32

GEICO

$394

$33

State Farm

$396

$33

Auto-Owners Insurance Co

$399

$33

Farmers

$406

$34

Auto-Owners Insurance Co

$412

$34

IMT Insurance Company

$439

$37

Grinnell Mutual

$464

$39

West Bend Mutual

$548

$46

West Bend Mutual

$548

$46

Auto-Owners Insurance Co

$588

$49

American Family

$634

$53

West Bend Mutual

$656

$55

Progressive

$698

$58

American Family

$717

$60

Iowa Farm Bureau

$744

$62

Westfield

$749

$62

American Family

$749

$62

Travelers

$761

$63

IMT Insurance Company

$774

$65

Farmers

$785

$65

Westfield

$801

$67

Travelers

$813

$68

Progressive

$823

$69

GEICO

$824

$69

Grange Insurance

$825

$69

GEICO

$826

$69

IMT Insurance Company

$827

$69

Farmers

$863

$72

Iowa Farm Bureau

$869

$72

Grange Insurance

$892

$74

Allstate

$933

$78

Allstate

$945

$79

Travelers

$958

$80

Iowa Farm Bureau

$988

$82

Western National

$1,026

$86

Westfield

$1,026

$86

Farmers

$1,036

$86

IMT Insurance Company

$1,039

$87

Grange Insurance

$1,052

$88

State Farm

$1,059

$88

Allstate

$1,078

$90

Grinnell Mutual

$1,088

$91

GEICO

$1,111

$93

Progressive

$1,114

$93

Western National

$1,192

$99

State Farm

$1,205

$100

Auto-Owners Insurance Co

$1,264

$105

Grinnell Mutual

$1,312

$109

Auto-Owners Insurance Co

$1,411

$118

State Farm

$1,512

$126

Allstate

$1,641

$137

Allstate

$1,716

$143

Western National

$1,784

$149

Grinnell Mutual

$1,815

$151

Auto-Owners Insurance Co

$1,930

$161

Allstate

$2,177

$181

Cheapest Car Insurance in Iowa for Seniors (June 2023)

The cheapest car insurance providers for senior drivers in Iowa are, on average:

  • West Bend Mutual: $548 per year
  • American Family: $634 per year

The most expensive rates are offered by Allstate, at approximately $1,641 per year.

In Iowa, senior drivers with West Bend Mutual State Farm pay the same rates as their middle-aged counterparts with the same insurer. However, prices are typically higher for drivers in their 70s and 80s.

Company
Annual Premium
Monthly Premium

Progressive

$163

$14

West Bend Mutual

$181

$15

Progressive

$183

$15

West Bend Mutual

$195

$16

Westfield

$211

$18

Iowa Farm Bureau

$220

$18

West Bend Mutual

$225

$19

Western National

$227

$19

Western National

$232

$19

Westfield

$236

$20

Iowa Farm Bureau

$246

$20

Progressive

$247

$21

Westfield

$251

$21

American Family

$276

$23

Iowa Farm Bureau

$278

$23

Grange Insurance

$288

$24

American Family

$288

$24

IMT Insurance Company

$294

$24

Grange Insurance

$296

$25

IMT Insurance Company

$302

$25

GEICO

$302

$25

State Farm

$306

$26

Grinnell Mutual

$310

$26

American Family

$314

$26

State Farm

$326

$27

Grange Insurance

$327

$27

Farmers

$328

$27

Travelers

$331

$28

Farmers

$339

$28

GEICO

$350

$29

Grinnell Mutual

$352

$29

Travelers

$353

$29

Travelers

$377

$31

Western National

$383

$32

GEICO

$394

$33

State Farm

$396

$33

Auto-Owners Insurance Co

$399

$33

Farmers

$406

$34

Auto-Owners Insurance Co

$412

$34

IMT Insurance Company

$439

$37

Grinnell Mutual

$464

$39

West Bend Mutual

$548

$46

West Bend Mutual

$548

$46

Auto-Owners Insurance Co

$588

$49

American Family

$634

$53

West Bend Mutual

$656

$55

Progressive

$698

$58

American Family

$717

$60

Iowa Farm Bureau

$744

$62

Westfield

$749

$62

American Family

$749

$62

Travelers

$761

$63

IMT Insurance Company

$774

$65

Farmers

$785

$65

Westfield

$801

$67

Travelers

$813

$68

Progressive

$823

$69

GEICO

$824

$69

Grange Insurance

$825

$69

GEICO

$826

$69

IMT Insurance Company

$827

$69

Farmers

$863

$72

Iowa Farm Bureau

$869

$72

Grange Insurance

$892

$74

Allstate

$933

$78

Allstate

$945

$79

Travelers

$958

$80

Iowa Farm Bureau

$988

$82

Western National

$1,026

$86

Westfield

$1,026

$86

Farmers

$1,036

$86

IMT Insurance Company

$1,039

$87

Grange Insurance

$1,052

$88

State Farm

$1,059

$88

Allstate

$1,078

$90

Grinnell Mutual

$1,088

$91

GEICO

$1,111

$93

Progressive

$1,114

$93

Western National

$1,192

$99

State Farm

$1,205

$100

Auto-Owners Insurance Co

$1,264

$105

Grinnell Mutual

$1,312

$109

Auto-Owners Insurance Co

$1,411

$118

State Farm

$1,512

$126

Allstate

$1,641

$137

Allstate

$1,716

$143

Western National

$1,784

$149

Grinnell Mutual

$1,815

$151

Auto-Owners Insurance Co

$1,930

$161

Allstate

$2,177

$181

Senior drivers may qualify for discounts from some auto insurance providers. In Iowa, these include Allstate, GEICO, Farmers and American Family. It is advisable to compare your options in order to find the most affordable insurer.

Cheapest Car Insurance for Higher Risk Drivers (June 2023)

Auto insurance premiums in Iowa are often more expensive for drivers with traffic violations. Based on MoneyGeek’s study, West Bend Mutual is the cheapest option for drivers with a traffic ticket, as well as people with poor credit.

American Family has the best prices for drivers with an accident on their record, a DUI, or sports car owners.

CHEAPEST CAR INSURANCE FOR HIGHER RISK DRIVERS

Cheapest after a ticket: West Bend Mutual ($711 per year)
Cheapest after an accident: American Family ($717 per year)
Cheapest after a DUI: American Family ($841 per year)
Cheapest for poor credit: West Bend Mutual ($1,000 per year)
Cheapest for sports cars: American Family ($655 per year)

Cheapest Car Insurance in Iowa After a Ticket

On average, the following car insurance providers offer affordable prices to customers with speeding tickets in Iowa:

  • West Band Mutual: $711 per year
  • American Family: $841 per year

Auto-Owners is the most expensive insurer, with an average annual premium of $2,550.

The cost of auto insurance in Iowa can increase by around $248 for drivers with traffic tickets.

Company
Annual Premium
Monthly Premium

Western National

$227

$19

Progressive

$235

$20

West Bend Mutual

$235

$20

Progressive

$235

$20

Western National

$236

$20

West Bend Mutual

$254

$21

Westfield

$256

$21

Iowa Farm Bureau

$267

$22

Westfield

$282

$24

West Bend Mutual

$293

$24

Iowa Farm Bureau

$299

$25

Westfield

$301

$25

Progressive

$308

$26

Grinnell Mutual

$310

$26

American Family

$322

$27

American Family

$333

$28

Iowa Farm Bureau

$337

$28

IMT Insurance Company

$341

$28

State Farm

$341

$28

IMT Insurance Company

$347

$29

American Family

$359

$30

State Farm

$362

$30

Grinnell Mutual

$366

$30

GEICO

$378

$31

Western National

$383

$32

Farmers

$406

$34

GEICO

$410

$34

Travelers

$439

$37

State Farm

$440

$37

Grange Insurance

$442

$37

Grange Insurance

$444

$37

Farmers

$450

$37

GEICO

$452

$38

Travelers

$463

$39

Grinnell Mutual

$464

$39

Farmers

$480

$40

Grange Insurance

$487

$41

Travelers

$500

$42

IMT Insurance Company

$508

$42

West Bend Mutual

$711

$59

West Bend Mutual

$712

$59

American Family

$747

$62

American Family

$841

$70

West Bend Mutual

$851

$71

Auto-Owners Insurance Co

$859

$72

American Family

$875

$73

IMT Insurance Company

$885

$74

Auto-Owners Insurance Co

$887

$74

Westfield

$899

$75

Iowa Farm Bureau

$903

$75

Progressive

$928

$77

IMT Insurance Company

$954

$80

Westfield

$968

$81

Allstate

$1,019

$85

Progressive

$1,024

$85

Western National

$1,026

$86

Allstate

$1,038

$86

GEICO

$1,050

$87

Iowa Farm Bureau

$1,055

$88

Farmers

$1,067

$89

GEICO

$1,085

$90

Grinnell Mutual

$1,088

$91

Travelers

$1,105

$92

Farmers

$1,107

$92

Travelers

$1,112

$93

State Farm

$1,141

$95

Allstate

$1,174

$98

Western National

$1,188

$99

IMT Insurance Company

$1,193

$99

Iowa Farm Bureau

$1,199

$100

Grange Insurance

$1,213

$101

Travelers

$1,222

$102

Westfield

$1,231

$103

Auto-Owners Insurance Co

$1,264

$105

Farmers

$1,277

$106

State Farm

$1,292

$108

Progressive

$1,336

$111

Grinnell Mutual

$1,358

$113

GEICO

$1,358

$113

Grange Insurance

$1,379

$115

Grange Insurance

$1,538

$128

State Farm

$1,628

$136

Western National

$1,784

$149

Allstate

$1,799

$150

Grinnell Mutual

$1,815

$151

Allstate

$1,921

$160

Auto-Owners Insurance Co

$2,215

$185

Allstate

$2,407

$201

Auto-Owners Insurance Co

$2,550

$213

Auto-Owners Insurance Co

$3,618

$301

Cheapest Car Insurance in Iowa After an Accident

The following insurers provide the cheapest average rates in Iowa for drivers with at-fault accidents on their driving records:

  • American Family: $717 per year
  • West Bend Mutual: $953 per year

The most expensive rate is offered by Allstate, which costs around $2,318 annually for the same driver profile.

After an at-fault accident in the state, auto insurance premiums can increase by an average of $339.

Company
Annual Premium
Monthly Premium

Western National

$227

$19

Western National

$236

$20

American Family

$276

$23

American Family

$288

$24

Grinnell Mutual

$310

$26

American Family

$314

$26

West Bend Mutual

$315

$26

Progressive

$330

$28

West Bend Mutual

$340

$28

Progressive

$341

$28

Westfield

$349

$29

Iowa Farm Bureau

$353

$29

Grinnell Mutual

$366

$30

Westfield

$372

$31

State Farm

$375

$31

Western National

$383

$32

Westfield

$387

$32

West Bend Mutual

$392

$33

Progressive

$395

$33

Iowa Farm Bureau

$396

$33

State Farm

$398

$33

IMT Insurance Company

$428

$36

IMT Insurance Company

$436

$36

Grange Insurance

$442

$37

Iowa Farm Bureau

$446

$37

Grange Insurance

$453

$38

Travelers

$464

$39

Grinnell Mutual

$464

$39

State Farm

$485

$40

Travelers

$490

$41

Farmers

$496

$41

Grange Insurance

$528

$44

Travelers

$529

$44

Farmers

$542

$45

GEICO

$551

$46

Auto-Owners Insurance Co

$559

$47

Farmers

$573

$48

GEICO

$574

$48

Auto-Owners Insurance Co

$578

$48

GEICO

$586

$49

American Family

$634

$53

IMT Insurance Company

$642

$54

American Family

$717

$60

American Family

$749

$62

Auto-Owners Insurance Co

$824

$69

West Bend Mutual

$953

$79

West Bend Mutual

$954

$79

Western National

$1,026

$86

IMT Insurance Company

$1,036

$86

Westfield

$1,071

$89

Grinnell Mutual

$1,088

$91

IMT Insurance Company

$1,111

$93

Westfield

$1,129

$94

West Bend Mutual

$1,140

$95

Travelers

$1,149

$96

Travelers

$1,161

$97

Allstate

$1,177

$98

Progressive

$1,181

$98

Western National

$1,188

$99

Iowa Farm Bureau

$1,194

$100

Allstate

$1,201

$100

Farmers

$1,207

$101

State Farm

$1,222

$102

Farmers

$1,239

$103

Progressive

$1,263

$105

Travelers

$1,268

$106

Grange Insurance

$1,341

$112

Westfield

$1,348

$112

Grinnell Mutual

$1,358

$113

Grange Insurance

$1,379

$115

Allstate

$1,380

$115

State Farm

$1,380

$115

Iowa Farm Bureau

$1,395

$116

GEICO

$1,408

$117

Farmers

$1,412

$118

IMT Insurance Company

$1,417

$118

Grange Insurance

$1,443

$120

GEICO

$1,454

$121

Iowa Farm Bureau

$1,586

$132

Progressive

$1,616

$135

GEICO

$1,656

$138

Auto-Owners Insurance Co

$1,713

$143

State Farm

$1,743

$145

Western National

$1,784

$149

Grinnell Mutual

$1,815

$151

Auto-Owners Insurance Co

$1,874

$156

Allstate

$2,174

$181

Allstate

$2,318

$193

Auto-Owners Insurance Co

$2,608

$217

Allstate

$2,946

$246

Cheapest Car Insurance in Iowa After a DUI

MoneyGeek discovered the most affordable average rates for DUI-convicted drivers in Iowa are:

  • American Family: $841 per year
  • Progressive: $881 per year

Auto-Owners offers the highest rates in the state for drivers with a DUI conviction, at around $3,545.

If a driver gets a DUI, their annual rates can jump to an average of $683 in Iowa.

Company
Annual Premium
Monthly Premium

Progressive

$191

$16

Progressive

$207

$17

Western National

$227

$19

Western National

$236

$20

Progressive

$277

$23

American Family

$322

$27

American Family

$333

$28

State Farm

$341

$28

West Bend Mutual

$350

$29

American Family

$359

$30

State Farm

$362

$30

Western National

$383

$32

West Bend Mutual

$424

$35

State Farm

$440

$37

Iowa Farm Bureau

$457

$38

Farmers

$470

$39

IMT Insurance Company

$503

$42

Grange Insurance

$508

$42

Grange Insurance

$511

$43

IMT Insurance Company

$512

$43

Iowa Farm Bureau

$512

$43

Travelers

$515

$43

Farmers

$521

$43

Travelers

$542

$45

Farmers

$545

$45

West Bend Mutual

$561

$47

Grange Insurance

$561

$47

Iowa Farm Bureau

$578

$48

Travelers

$586

$49

GEICO

$652

$54

Westfield

$660

$55

GEICO

$679

$57

Westfield

$682

$57

Westfield

$698

$58

GEICO

$708

$59

Grinnell Mutual

$715

$60

American Family

$747

$62

Progressive

$755

$63

IMT Insurance Company

$758

$63

American Family

$841

$70

Grinnell Mutual

$843

$70

American Family

$875

$73

Progressive

$881

$73

Western National

$1,026

$86

West Bend Mutual

$1,033

$86

Grinnell Mutual

$1,069

$89

State Farm

$1,141

$95

Farmers

$1,154

$96

Allstate

$1,180

$98

Progressive

$1,183

$99

Farmers

$1,185

$99

Western National

$1,188

$99

Allstate

$1,204

$100

West Bend Mutual

$1,212

$101

Travelers

$1,271

$106

Travelers

$1,289

$107

State Farm

$1,292

$108

Auto-Owners Insurance Co

$1,298

$108

Auto-Owners Insurance Co

$1,341

$112

West Bend Mutual

$1,347

$112

IMT Insurance Company

$1,349

$112

Farmers

$1,356

$113

Allstate

$1,381

$115

Travelers

$1,402

$117

Grange Insurance

$1,417

$118

IMT Insurance Company

$1,459

$122

Iowa Farm Bureau

$1,546

$129

Grange Insurance

$1,613

$134

GEICO

$1,624

$135

State Farm

$1,628

$136

GEICO

$1,658

$138

Western National

$1,784

$149

Grange Insurance

$1,799

$150

Iowa Farm Bureau

$1,807

$151

Westfield

$1,809

$151

IMT Insurance Company

$1,822

$152

Westfield

$1,866

$156

GEICO

$1,868

$156

Auto-Owners Insurance Co

$1,911

$159

Iowa Farm Bureau

$2,054

$171

Westfield

$2,086

$174

Allstate

$2,152

$179

Allstate

$2,286

$190

Grinnell Mutual

$2,509

$209

Allstate

$2,905

$242

Grinnell Mutual

$3,131

$261

Auto-Owners Insurance Co

$3,370

$281

Auto-Owners Insurance Co

$3,545

$295

Grinnell Mutual

$4,185

$349

Auto-Owners Insurance Co

$5,101

$425

Cheapest Car Insurance in Iowa for Drivers With Poor Credit (June 2023)

The following are the cheapest average auto insurance providers for Iowa drivers with poor credit:

  • West Bend Mutual: $1,000 per year
  • American Family: $1,093 per year

Your credit score plays a significant role in determining your premiums. Western National charges approximately $3,619 per year to individuals with poor credit, making it the most expensive provider in the state.

Individuals with poor credit (below 580) typically pay $836 more than those with good credit (750 and above).

Company
Annual Premium
Monthly Premium

Farmers

$1,301

$108

American Family

$1,161

$97

West Bend Mutual

$1,196

$100

Grange Insurance

$1,313

$109

Travelers

$1,385

$115

IMT Insurance Company

$1,406

$117

Farmers

$1,559

$130

GEICO

$1,645

$137

Iowa Farm Bureau

$1,712

$143

Progressive

$1,842

$154

Westfield

$1,854

$155

Allstate

$3,047

$254

Grinnell Mutual

$3,751

$313

State Farm

$3,856

$321

Western National

$4,354

$363

Auto-Owners Insurance Co

$4,950

$413

Progressive

$387

$32

West Bend Mutual

$412

$34

Grange Insurance

$412

$34

Westfield

$472

$39

Iowa Farm Bureau

$500

$42

American Family

$514

$43

GEICO

$545

$45

Travelers

$574

$48

Farmers

$579

$48

IMT Insurance Company

$640

$53

Western National

$934

$78

Grinnell Mutual

$959

$80

State Farm

$1,010

$84

Allstate

$1,366

$114

Auto-Owners Insurance Co

$1,560

$130

West Bend Mutual

$1,000

$83

American Family

$1,093

$91

IMT Insurance Company

$1,120

$93

Grange Insurance

$1,164

$97

Travelers

$1,189

$99

GEICO

$1,270

$106

Progressive

$1,362

$114

Westfield

$1,465

$122

Iowa Farm Bureau

$1,580

$132

Allstate

$2,406

$201

Grinnell Mutual

$2,807

$234

Western National

$2,901

$242

State Farm

$3,074

$256

Auto-Owners Insurance Co

$3,619

$302

Progressive

$284

$24

West Bend Mutual

$331

$28

Grange Insurance

$376

$31

Westfield

$402

$33

IMT Insurance Company

$427

$36

GEICO

$437

$36

American Family

$459

$38

Iowa Farm Bureau

$467

$39

Farmers

$469

$39

Travelers

$519

$43

Western National

$578

$48

Grinnell Mutual

$756

$63

State Farm

$829

$69

Auto-Owners Insurance Co

$1,060

$88

Allstate

$1,193

$99

American Family

$968

$81

West Bend Mutual

$1,001

$83

Grange Insurance

$1,010

$84

IMT Insurance Company

$1,041

$87

Travelers

$1,145

$95

Progressive

$1,155

$96

Farmers

$1,185

$99

GEICO

$1,204

$100

Iowa Farm Bureau

$1,354

$113

Westfield

$1,364

$114

Allstate

$2,229

$186

Grinnell Mutual

$2,249

$187

Western National

$2,504

$209

State Farm

$2,697

$225

Auto-Owners Insurance Co

$3,246

$270

Progressive

$258

$21

West Bend Mutual

$357

$30

Grange Insurance

$378

$31

Iowa Farm Bureau

$416

$35

IMT Insurance Company

$434

$36

American Family

$436

$36

Westfield

$443

$37

GEICO

$476

$40

Farmers

$482

$40

Travelers

$539

$45

Western National

$555

$46

Grinnell Mutual

$641

$53

State Farm

$780

$65

Auto-Owners Insurance Co

$1,094

$91

Allstate

$1,169

$97

Since drivers with poor credit have a greater likelihood of submitting a claim, insurance companies charge them higher premiums. Although this is not permitted in some states, it is in Iowa.

Improving your credit score is an excellent strategy to obtain a lower rate. Alternatively, you can compare premiums or search for insurance companies that provide common discounts.

Cheapest Car Insurance in Iowa for Sports Cars (June 2023)

On average, the following are the cheapest car insurance providers for sports car owners:

  • American Family: $655 per year
  • Travelers: $804 per year

Sports car drivers with Allstate pay approximately $1,865 per year, making it the most expensive provider in the state. Due to the higher maintenance and replacement expenses associated with sports cars, car insurance for sports car owners can be more expensive depending on the state.

In Iowa, insuring a Toyota Camry LE is $177 less expensive than insuring a sports car.

Company
Annual Premium
Monthly Premium

Progressive

$163

$14

West Bend Mutual

$181

$15

Progressive

$183

$15

West Bend Mutual

$195

$16

Westfield

$211

$18

Iowa Farm Bureau

$220

$18

West Bend Mutual

$225

$19

Western National

$227

$19

Western National

$232

$19

Westfield

$236

$20

Iowa Farm Bureau

$246

$20

Progressive

$247

$21

Westfield

$251

$21

American Family

$276

$23

Iowa Farm Bureau

$278

$23

Grange Insurance

$288

$24

American Family

$288

$24

IMT Insurance Company

$294

$24

Grange Insurance

$296

$25

IMT Insurance Company

$302

$25

GEICO

$302

$25

State Farm

$306

$26

Grinnell Mutual

$310

$26

American Family

$314

$26

State Farm

$326

$27

Grange Insurance

$327

$27

Farmers

$328

$27

Travelers

$331

$28

Farmers

$339

$28

GEICO

$350

$29

Grinnell Mutual

$352

$29

Travelers

$353

$29

Travelers

$377

$31

Western National

$383

$32

GEICO

$394

$33

State Farm

$396

$33

Auto-Owners Insurance Co

$399

$33

Farmers

$406

$34

Auto-Owners Insurance Co

$412

$34

IMT Insurance Company

$439

$37

Grinnell Mutual

$464

$39

American Family

$581

$48

Auto-Owners Insurance Co

$588

$49

American Family

$655

$55

American Family

$685

$57

Farmers

$740

$62

Travelers

$741

$62

Travelers

$804

$67

Progressive

$831

$69

Farmers

$832

$69

Allstate

$933

$78

Allstate

$945

$79

Travelers

$950

$79

Farmers

$993

$83

GEICO

$1,051

$88

Progressive

$1,056

$88

Allstate

$1,078

$90

GEICO

$1,176

$98

Auto-Owners Insurance Co

$1,278

$107

State Farm

$1,327

$111

Auto-Owners Insurance Co

$1,419

$118

Progressive

$1,491

$124

State Farm

$1,509

$126

GEICO

$1,514

$126

Allstate

$1,711

$143

Allstate

$1,865

$155

State Farm

$1,916

$160

Auto-Owners Insurance Co

$1,952

$163

Allstate

$2,337

$195

While we picked a Ford Mustang as an example vehicle, insurance prices will vary depending on the car model. Sports, electric and luxury vehicles are often the most expensive to insure. However, in Iowa, this is not always the case.

Cheapest Car Insurance in Iowa for Military Drivers (June 2023)

MoneyGeek found that West Bend Mutual offers the most affordable auto insurance in Iowa for active-duty military personnel and veterans, with an average annual premium of $548.

MoneyGeek also gathered quotes from USAA, a company that specializes in providing services for veterans and active-duty military personnel and their families. The average premium for a USAA policy is $1,179 per year.

mglogo
MoneyGeek Top Pick
West Bend Mutual
  • $548 per year
  • Cheapest option among 16 insurers

Although West Bend Mutual doesn't offer military discounts, you can save money in other ways. For example, you are eligible for discounts if you are a good student, insure multiple cars and are a safe driver for three years.

Cheapest Car Insurance in Iowa by City

The cost of auto insurance might differ significantly depending on the city in which you reside. Residents in riskier areas in Iowa, such as those with a higher crime rate, may be required to pay higher insurance premiums.

Cedar Rapids has the most affordable rates for full coverage. West Bend Mutual is the cheapest insurer in this city, with annual rates averaging $568. Meanwhile, Davenport's premium with West Bend Mutual is the second-cheapest city, at around $573 per year.

Drivers in Des Moines may have to pay more for car insurance because West Bend Mutual charges the highest premiums in this city, which average around $591 per year.

Below, we provide a breakdown of the state's average auto insurance rates by location.

City
Cheapest Company
Annual Premium

Cedar Rapids

West Bend Mutual

$568

Davenport

West Bend Mutual

$573

Des Moines

West Bend Mutual

$591

Car Insurance in Iowa: What You Need to Know

All drivers in Iowa are required to acquire auto insurance that meets the state's minimum requirements. This consists of coverage for personal injury and property damage. Determining how much auto insurance you need helps guarantee that you are adequately protected in an accident.

Iowa Car Insurance Requirements

You have to purchase the minimum necessary car insurance in Iowa. This includes liability for bodily injury and property damage. Purchasing the minimum state-mandated coverage reduces costs but offers less protection in an accident.

Those who commit serious traffic violations in Iowa are required to have an SR-22 form. If you need an SR-22, your required coverage and premiums may increase.

MoneyGeek recommends readers purchase as much liability coverage as possible for added protection.

  • male icon

    Bodily Injury Liability

    Drivers in Iowa are required to have a minimum of $20,000 worth of bodily injury liability insurance per person and $40,000 worth of bodily injury liability insurance per accident. Iowa drivers who are found to be at fault in a car accident are required to pay for any medical expenses that exceed these limits.

  • accident2 icon

    Property Damage Liability

    If you are at fault in an accident and have the minimum required insurance coverage, you are responsible for paying any additional costs over the $15,000 limit. Property damage coverage can pay for the expense of repairing another vehicle or another piece of property.

MoneyGeek suggests increasing bodily injury liability insurance limits to $100,000 per person, $300,000 per accident and $100,000 per accident for property damage.

Comprehensive and collision insurance gives you better protection in a covered event. Comprehensive insurance can protect you against costs associated with off-road incidents, including vandalism and animal damage. Collision insurance helps compensate for vehicle damage in the event of an accident.

Those with expensive vehicles are encouraged to purchase comprehensive and collision insurance, even if they don’t have to.

Car Insurance Alternatives in Iowa

There are other ways to comply with Iowa's insurance regulations. Consider buying a bond or making a security deposit if it meets the requirements. Multiple-vehicle owners may also opt for self-insurance.

A surety bond ensures that the driver will fulfill their financial commitments if they cause an accident and need to pay liability expenses.

The Iowa Department of Motor Vehicles allows drivers who cannot provide proof of car ownership to submit a cash or indemnity bond.

Non-owner auto insurance in Iowa is particularly beneficial for individuals who regularly rent or borrow vehicles. It is also suitable for car-sharing drivers and includes the minimum coverage required by the state.

FAQs About Car Insurance in Iowa

Auto insurance can be a complicated subject, so it is normal to have questions regarding its quality and cost. MoneyGeek provides answers to frequently asked questions regarding auto insurance in Iowa.

Expert Advice on Finding Cheap Car Insurance in Iowa

To help you find credible and accurate insight on car insurance in Iowa, MoneyGeek received expert advice from trusted professionals. The perspectives and opinions expressed are those of the individual contributor.

  1. What are the key factors drivers in Iowa should look for when searching for the best auto insurance coverage?
  2. What steps can drivers in Iowa take to find affordable car insurance?
Steve Yerkes
Steve Yerkes

Faculty Instructor and Certified Financial Planner, University of Northern Iowa

Dr. Fan Fei
Dr. Fan Fei

Assistant Professor of Business at Northwestern College

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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