Cheapest and Best Non-Owner Car Insurance in Iowa (2024)

Non-owner auto insurance in Iowa provides liability coverage for drivers who don't have their own cars. If you regularly borrow someone else's car or want to avoid a lapse in auto insurance coverage, this type of insurance can be useful. Non-owner car insurance can also help those with driving offenses like DUIs — or, in Iowa, OWIs — get their driver's license reinstated.

State Farm provides the best and most affordable non-owner car insurance in Iowa. If you have a driving violation on your record, this provider also offers the cheapest SR-22 auto insurance in the state.

The cheapest non-owner car insurance in Iowa is from the following provider:

• Drivers with clean records: State Farm ($16 per month)
• Drivers with violations: State Farm ($18 per month)

If you have a driving violation on your record, you can expect to pay more for non-owner auto insurance. The cheapest monthly rate for drivers with clean records in Iowa is $2 cheaper than the most affordable rate for drivers with violations.

The following companies offer the cheapest non-owner auto insurance for Iowa drivers with clean driving records:

• State Farm: $16 per month
• GEICO: $21 per month

USAA offers the cheapest rates at $14 per month, but its policies are only available to military personnel and their families.

In Iowa, the cheapest average rate for non-owner car insurance is $16 per month, which is significantly lower than the national average of $43.

The following insurance providers offer the most affordable non-owner car insurance to Iowa drivers with previous violations:

• State Farm: $18 per month
• Travelers: $33 per month

With an average rate of $21 per month, USAA also offers affordable SR-22 insurance to military service members in Iowa.

If you commit a driving offense like a DUI — referred to as an OWI in Iowa — you may be required to file an SR-22, which may cause your insurance rates to increase. In Iowa, the cheapest non-owner SR-22 insurance costs $18 per month, which is much lower than the national average of $59 per month.

Non-owner auto insurance provides liability coverage for drivers who don't own a car but frequently rent or borrow vehicles. It covers third-party bodily injury and property damage in case of an accident but does not include comprehensive or collision coverage, meaning it doesn't cover injuries or damages to you or the car you're driving.

The table below highlights the differences between non-owner and full coverage auto insurance.

In Iowa, the average cost of non-owner auto insurance is $22 per month, which is considerably lower than the nationwide average of $43 monthly.

While insurance companies do consider location when calculating rates, other factors can have a bigger impact on the cost of car insurance, including your age, driving history, type of car and coverage level.

Based on MoneyGeek's study, the best non-owner car insurance providers in Iowa are:

• State Farm: MoneyGeek score 73 out of 100 ($16 per month)
• GEICO: MoneyGeek score 64 out of 100 ($21 per month)
• Travelers: MoneyGeek score 58 out of 100 ($25 per month)

MoneyGeek ranks insurers based on factors such as affordability, AM Best financial stability ratings and J.D. Power customer satisfaction ratings. The following company overviews can help you choose the best provider for your needs.

For those who don't own cars but frequently drive rented or borrowed vehicles, non-owner car insurance can be valuable to have. It can also help drivers with violations get their license reinstated.

The following types of drivers may find that non-owner auto insurance fits their needs.

MoneyGeek answered frequently asked questions about non-owner auto insurance in Iowa to help you learn more.