State Farm offers Iowa's cheapest non-owner car insurance at just $16 monthly, below the state average of $22. Compare other affordable plans in the table below.
Cheapest Non-Owner Car Insurance in Iowa
Updated: May 11, 2026
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Best Cheap Non-Owner Car Insurance in Iowa: Key Takeaways
State Farm offers the most affordable non-owner SR-22 car insurance in Iowa for those with a driving incident, costing about $18 per month.
Non-owner insurance covers you when driving a vehicle you don't own, as long as you meet the state's minimum coverage requirements.
Consider non-owner insurance if you frequently borrow or rent cars or need to reinstate your license without a traditional policy.
Cheapest Non-Owner Car Insurance in Iowa
| State Farm | $186 | $16 |
| GEICO | $253 | $21 |
| Progressive | $275 | $23 |
| Travelers | $298 | $25 |
| Farmers | $365 | $30 |
Cheapest Non-Owner SR-22 Car Insurance in Iowa
State Farm is the most affordable option for an SR-22 non-owner policy in Iowa, with a monthly rate of $18, about half of the $35 state average for minimum coverage. The table below compares other low-cost SR-22 providers.
| State Farm | $211 | $18 |
| Travelers | $397 | $33 |
| GEICO | $426 | $35 |
| Progressive | $495 | $41 |
| Farmers | $544 | $45 |
How Much Is Non-Owner Car Insurance in Iowa?
In Iowa, the average cost of non-owner car insurance is $22 monthly, about half the national average of $43. SR-22 coverage averages $35, which matches the national average for clean records but is lower than $48 for drivers with accidents. Your premium may vary based on your driving history.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
$43
Monthly Premium
vs
Iowa Average Cost
$22
Monthly Premium
Non-owner car insurance in Iowa is cheap$21 SAVED
Iowa Non-Owner Car Insurance: Buyer's Guide
We’ve created a simple guide to help drivers decide if non-owner insurance is right for them. It covers the basics, how it differs from standard policies, typical costs and who benefits most.
What Is Non-Owner Car Insurance?
Non-owner insurance is ideal for those who often drive (renting cars or using car-sharing) but don't own a car. It covers costs if you cause an accident that hurts someone or damages their property. Below, find out how non-owner policies compare to standard plans.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Iowa Allow Non-Owner Car Insurance?
Iowa allows non-owner insurance for drivers who don’t own a car. If you need to file an SR-22, you can find affordable options that meet minimum coverage and legal requirements. Visit our resource on how to get car insurance without a car for guidance on comparing options and completing your application.
IOWA MINIMUM INSURANCE REQUIREMENTS
Iowa's minimum coverage requirements apply to non-owner car insurance. The minimum limits are:
- $20,000 in bodily injury liability per person
- $40,000 in bodily injury liability per accident
- $15,000 in property damage liability per accident
These limits don't always cover the full cost of a serious accident. Before you buy a policy, check how much coverage you actually need; an at-fault crash with injuries can easily exceed Iowa's minimums.
Should You Get Non-Owner Car Insurance in Iowa?
Iowans who drive but don't own a car may want to consider non-owner insurance. It's affordable, meets the state's minimum coverage requirements and works well for people who frequently rent cars or borrow vehicles from friends.
AVOID ONE-DAY CAR INSURANCE
Watch out for "one-day insurance" offers in Iowa — they aren't legitimate and can signal fraud. For short-term needs like a move or road trip, buy coverage directly through the rental company instead.
Who Should Consider Non-Owner Car Insurance?
These drivers may want to look into a non-owner car insurance policy:
Car borrowers
Non-owner insurance covers damage or injuries drivers might cause while driving a borrowed vehicle, which the owner's policy may not fully cover.
Occasional renters
Non-owner insurance offers continuous coverage, potentially saving on rental company insurance fees and providing financial protection in case of accidents in rented vehicles.
Drivers between cars
Non-owner insurance provides continuous coverage for drivers transitioning between vehicles, helping prevent future rate hikes.
License reinstatement-seekers
Drivers looking to reinstate their license after suspension may need proof of insurance. A non-owner policy can meet this requirement without requiring vehicle ownership.
WHAT IS SR-22 INSURANCE?
An SR-22, also called a Certificate of Financial Responsibility, is a form that your insurance company sends to the DMV to show you have the state minimum coverage. If you have had a DUI or were caught driving without insurance, you might need an SR-22 to drive again legally.
Not sure non-owner coverage is right for you? Start with the cheapest car insurance in Iowa to see if a standard policy saves you more.
Cheap Non-Owner Car Insurance in Iowa: Bottom Line
Iowa provides non-owner car insurance for drivers, including those needing SR-22 documents. State Farm is the most affordable option, followed by GEICO and Progressive. To find the best deal, compare quotes from multiple providers.
Non-Owner Car Insurance in Iowa: FAQ
Get answers to frequently asked questions about non-owner car insurance in Iowa below.
Which company offers the cheapest non-owner car insurance in Iowa?
State Farm offers the cheapest non-owner car insurance in Iowa, with a monthly cost of $16. It also provides the cheapest SR-22 rate at $18.
How much does non-owners car insurance cost in Iowa?
In Iowa, non-owner car insurance averages $258 annually or $22 monthly. For drivers needing an SR-22, the cost rises to around $414 per year or $35 monthly.
Iowa Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Iowa auto insurance rates by collecting data from the Iowa Insurance Division and Quadrant Information Services. We examined 240 car insurance quotes from five providers to identify the state's best and most affordable options.
Coverage Levels
Our non-owner car insurance rates for Iowa are based on minimum coverage policies. The state minimums are:
- $20,000 in bodily injury liability per person
- $40,000 in bodily injury liability per accident
- $15,000 in property damage liability per accident
Drivers and Cars in Iowa
Our sample driver profile for Iowa non-owner car insurance rates was a 40-year-old man with a 2012 Toyota Camry LE, a clean driving record, good credit and 12,000 miles per year.
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.