Overall, the cheapest motorcycle insurance in Iowa is offered by Progressive with median rate of $12 per month or $138 yearly. However, Geico and Shelter Insurance also offer some of the most affordable rates in the state.
Cheapest Motorcycle Insurance in Iowa
Updated: April 21, 2025
Advertising & Editorial Disclosure
Key Takeaways
For most riders in Iowa, Progressive offers the cheapest motorcycle insurance with average annual rates of $76 for minimum coverage and $199 for full coverage.
Motorcycle insurance in Iowa costs an average of $8 per month for minimum liability coverage and $29 monthly for full coverage policies.
Save on motorcycle insurance by comparing multiple providers, taking motorcycle safety courses, and getting a full motorcycle license.
Cheapest Motorcycle Insurance Companies in Iowa
Cheapest Provider | Median Monthly Premium | Median Annual Premium |
|---|---|---|
Progressive | $12 | $138 |
Geico | $13 | $166 |
Shelter Insurance | $15 | $183 |
Markel | $21 | $254 |
Dairyland | $25 | $295 |
*Rates are a combined average of minimum and full coverage premiums for a 40-year-old rider driving a 2023 Honda CRF450RL with 5 years of riding experience and no driving violations.
Cheapest Motorcycle Insurance by Category in Iowa
In addition to being the cheapest overall within the state, Progressive also dominated our core driving profiles, winning 6 out of 7 of them for affordability. Below you can review each category in Iowa.
Cost Category | Cheapest Provider | Lowest Monthly Rate |
|---|---|---|
Minimum Liability Coverage | Shelter Insurance | $2 |
Full Coverage | Progressive | $17 |
Young Riders | Progressive | $13 |
Seniors | Progressive | $6 |
Riders with a Speeding Ticket | Geico | $8 |
Riders with an At-Fault Accident | Progressive | $8 |
Riders with a DUI | Progressive | $8 |
*Minimum coverage and full coverage picks presented are for a 40-year-old rider with no driving violations who is insuring a 2023 Honda CRF450RL. Young riders are aged 16-25 and seniors are 65-80 for the base profile mentioned. The other cost profiles modify the base profile's driving history.
How Much Is Motorcycle Insurance in Iowa?
The average annual cost of motorcycle insurance in Iowa is around $93 for minimum coverage and $351 for full coverage. These costs make the state the 6th in affordability for minimum coverage and the 11th least expensive overall for full coverage motorcycle policies.
Coverage Category | Average Monthly Premium | Average Annual Premium | % Diff From National Average |
|---|---|---|---|
Minimum Liability Coverage | $8 | $93 | -40% |
Full Coverage | $29 | $351 | -39% |
*Rates are for a 40-year-old rider driving a 2023 Honda CRF450RL with 5 years of riding experience and no driving violations.
How To Save on Iowa Motorcycle Insurance
Below we'll detail key tips to help you save more on motorcycle insurance in Iowa.
Choose a Coverage Level Beforehand
Knowing what coverage you actually need can save you from being convinced you need a higher-level policy than necessary.
Compare Multiple Providers
In order to get the best pricing, comparing multiple providers apples to apples in terms of coverage can help you save up to 75% on motorcycle policies in Iowa. We recommend that you not only compare multiple companies, but also use multiple means
Take Advantage of Discounts
Many discounts are available to help you save including a pay-in-full, autopay, and military/membership reduction for most providers. Bundling motorcycle insurance with other policies is also another great way to save if you want to have coverage with your current provider.
Get a Full Motorcycle License
Getting a full motorcycle license instead of just an endorsement can save you a large sum on insurance for your bike. It works as a signal to insurers that you are less risky than other drivers, lowing premiums overall.
Cheap Motorcycle Insurance Iowa: Bottom Line
Progressive, Geico, and Shelter Insurance stand out as the most cost-effective coverage providers for Iowa riders. However, we strongly recommend conducting your own personalized quote comparison among these carriers and others in the market, as individual factors like riding history, motorcycle type, and desired coverage levels can significantly impact your premium costs.
Iowa Motorcycle Insurance: FAQ
Below we've answered some frequently asked questions about Iowa motorcycle insurance:
Which company has the cheapest car insurance in Iowa?
According to our data analysis, Progressive offers the most affordable motorcycle insurance options in Iowa for full coverage averaging $17 monthly or $199 per year. For minimum coverage, Shelter Insurance is the standout with rates starting at just $2 per month.
How much does motorcycle insurance cost for most riders in Iowa?
The average cost of motorcycle insurance in Iowa is $351 per year or $29 monthly for full coverage policies and $93 annually or $8 monthly for liability-only policies.
Do you need motorcycle insurance in Iowa?
Yes, Iowa requires that all riders have motorcycle insurance with at least 20/40/15 in liability coverage.
How We Chose The Cheapest Motorcycle Insurance in Iowa
We chose our cheapest providers based on the following profile for motorcycle riders:
- 40 years old
- Drives a 2023 Honda CRF450RL
- Has a valid motorcycle endorsement
- Clean driving record
For minimum coverage we used state minimum requirements and for full coverage policies, we used a 100/300/50 liability split and a $1,000 deductible for collision and comprehensive insurance.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.