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: October 2, 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?
Look into a non-owner policy if you fit one of these groups:
- Car borrowers
The owner's policy might not cover everything if you cause damage or injuries in a borrowed car. Non-owner insurance covers you for those costs.
Occasional rentersYou stay covered between rentals with a non-owner policy, so you might save on the rental company's insurance fees. The policy also covers you if you cause an accident in a rental car.
Drivers between carsIf you're switching from one car to the next, a non-owner policy keeps you covered in between. Without it, a gap in coverage can lead to higher rates later.
License reinstatement-seekersYou may need proof of insurance to get your license back after a suspension. A non-owner policy meets that requirement even if you don't own a car.
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.
If you're unsure about non-owner coverage, compare it against the cheapest car insurance in Iowa. A standard policy might save you more.
Cheap Non-Owner Car Insurance in Iowa: Bottom Line
Insurers in Iowa sell non-owner car insurance, and you can get it even if you need an SR-22. State Farm has the cheapest rates, and GEICO and Progressive come in second and third. Compare quotes from more than one company to find the best price.
Non-Owner Car Insurance in Iowa: FAQ
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.
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 is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.