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: June 12, 2026
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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 are among the most affordable motorcycle insurance options for Iowa riders. That said, your actual rates depend on factors like your riding history, motorcycle type and coverage level, so comparing personalized quotes from multiple carriers is the best way to find your lowest price.
Iowa Motorcycle Insurance: FAQ
Below are answers to common questions about Iowa motorcycle insurance.
Which company has the cheapest car insurance in Iowa?
Based on MoneyGeek's rate analysis, Progressive offers the most affordable full coverage motorcycle insurance in Iowa, averaging $17 per month or $199 per year. For minimum coverage, Shelter Insurance has the lowest rates, starting at $2 per month
How much does motorcycle insurance cost for most riders in Iowa?
Full coverage motorcycle insurance in Iowa costs an average of $351 per year or $29 per month. Liability-only coverage runs about $93 per year or $8 per month.
Do you need motorcycle insurance in Iowa?
Yes. Iowa law requires all riders to carry motorcycle insurance with at least 20/40/15 in liability coverage.
How We Chose The Cheapest Motorcycle Insurance in Iowa
Our cheapest provider picks are based on rates for a 40-year-old rider with a valid motorcycle endorsement, a clean driving record, and a 2023 Honda CRF450RL.
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 (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.