Car Insurance in Iowa: How to Find the Policy That Fits You

MoneyGeek has analysis and solutions for car insurance in Iowa to help you with your unique needs.

Find the Best or Cheapest Car Insurance in Iowa

We designed our unique rating system to identify the best insurers that offer a good mix of cost and customer service. We also collected and analyzed quotes from several insurers in Iowa to find the cheapest options.

If you wish to know the cost of auto insurance in Iowa, you can use MoneyGeek’s guide to calculate premium rates based on your background and the coverages you need.

Our analysis determined the best options based on several aspects, such as your age, driving record and more.

The resources and tools above delve into the most affordable and the best car insurance options in Iowa for certain types of drivers. For a quick summary of what you can expect to find, take a look at the table below. All recommendations are for full coverage policies unless noted otherwise.

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THE CHEAPEST CAR INSURANCE COMPANIES IN IOWA
  • Minimum liability: GEICO
  • Full coverage: GEICO
  • Drivers with a DUI: State Farm
  • After an accident: GEICO
  • Drivers with a ticket: GEICO
  • Drivers with bad credit: GEICO
  • Senior drivers: GEICO
  • Student drivers: GEICO
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THE BEST CAR INSURANCE COMPANIES IN IOWA
  • Overall: GEICO
  • Customer Service: Auto-Owners Insurance Co
  • On a Budget: GEICO
  • Poor Driving Record: GEICO
  • Military: USAA
  • Young Drivers: GEICO
  • New Cars: Farm Bureau Mutual (IA Group)
  • Low-Mileage Drivers: Nationwide

Get an Iowa Car Insurance Quote

MoneyGeek’s study established that if you live in Iowa, your car insurance costs may differ by as much as $222 per year for the same driver depending on your insurer. Your potential savings is an excellent reason for comparing quotes from several providers, and this doesn’t have to be time consuming.

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Car Insurance Laws in Iowa

You can find all the essential information you need on Iowa car insurance laws and requirements by reading our guide. Iowa laws require all drivers to have the following minimum liability insurance coverage:

  • $20,000 for bodily injury per person
  • $40,000 for bodily injury per accident
  • $15,000 for property damage per accident

Iowa laws do not require comprehensive and collision coverage and mandates only low liability coverage, so the policy you need may differ from how much car insurance you should get.

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ARE THERE DIFFERENT LAWS FOR HIGH-RISK DRIVERS IN IOWA?

In Iowa, high-risk drivers must file an SR-22, which serves as proof of insurance. Our analysis provides details on filing an SR-22 with your insurance company and how much you may have to pay for an SR-22 in Iowa.

Specialty Car Insurance in Iowa

Traditional insurance may not always be the best option for your unique needs. In some cases, you may want to look at alternative options such as non-owner car insurance, temporary car insurance or low-income car insurance. MoneyGeek explored all these alternatives to help you make the best decision.

Learn more about these alternative car insurance types in Iowa below.

MoneyGeek Specialty Car Insurance Resources

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Non-owner car insurance

Non-owner car insurance is a good option for Iowa drivers who don’t own a car but need proof of insurance.

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Temporary car insurance

If you’re going to be driving temporarily or renting a car for a short duration, you can get temporary car insurance in Iowa by buying a policy and canceling it or getting rental car insurance.

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Car insurance for low-income drivers

Although Iowa does not have any programs for low-income drivers in the state, you can save money on auto insurance using MoneyGeek’s guide on low-income car insurance in Iowa.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.