Cheap car insurance in Iowa
It is mandatory to get car insurance in Iowa for drivers to drive legally in the state. Different companies in Iowa provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in Iowa:
| Name of the Company | Average annual car insurance premiums |
| Farm Bureau Mutual (IA Group) | $840 |
| Partners Mutual | $1008 |
| Travelers | $1015 |
| State Farm | $1053 |
| Pekin Insurance | $1055 |
| Nationwide | $1070 |
| USAA | $1100 |
| Hastings Mutual | $1165 |
| General Casualty | $1244 |
| IMT Insurance Company | $1260 |
| MetLife | $1290 |
| American Family | $1296 |
| Progressive | $1346 |
| Western National | $1533 |
| Grinnell Mutual | $1633 |
| Cameron | $1816 |
| GEICO | $1819 |
| Farmers | $1853 |
| Sentry | $2088 |
| Allstate | $2096 |
| Victoria | $2112 |
| Dairyland | $2249 |
| Metropolitan | $2370 |
Cheap car insurance in Iowa for good drivers
Car insurance companies may charge high car insurance premiums from drivers in Iowa with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Iowa provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Iowa by maintaining a good driving record. Most auto insurance companies in Iowa provide a 5-10% good driver discount to those having a good driving history without violations.
- Drivers with no traffic ticket may save $188 on car insurance premiums in Iowa.
- Drivers may save $570 on car insurance premiums if they have an accident-free record in Iowa.
- By maintaining a good credit history you may save $709 on car insurance premiums in Iowa.
Cheap car insurance for inexperienced drivers in Iowa
Most auto insurance providers may charge high auto insurance premiums in Iowa from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers. Auto insurance premiums in Iowa vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in Iowa.
| Age | Average annual auto insurance
premiums with parents |
Average annual auto insurance
premiums for young drivers alone |
| 16 | $4025 | $4077 |
| 17 | $4165 | $3578 |
| 18 | $4230 | $3238 |
| 19 | $3596 | $2509 |
Affordable auto insurance in Iowa for high-risk drivers
Car insurance companies in Iowa charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in Iowa can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in Iowa may get discounts on car insurance policies.
| Rating factor | Average annual car insurance premium |
| At-Fault Accident | $1586 |
| DUI | $1743 |
| Speeding Violation | $1203 |
| Bad Credit | $1725 |
Best car insurance companies in Iowa
Car insurance prices in Iowa may vary from company to company. Some companies in Iowa charge lower car insurance premiums than others. To get the best auto insurance policy in Iowa you should check the reputation and services of the insurance companies because finding an affordable car insurance policy is not just enough. You can find the best auto insurance company in Iowa by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Iowa:
- Allstate
- American Family
- EMC
- GEICO
- Grinnell
- Liberty Mutual
- MetLife
- Nationwide
- Progressive
- Safeco
- State Farm
- Travelers
- USAA
- Victoria
- Western National
What auto insurance coverage is mandatory to purchase for drivers in Iowa?
The average annual cost to get the minimum required coverage in Iowa may be around $337. The minimum required coverage for drivers in Iowa to drive legally in the state is:
| Coverage type | Coverage limit |
| Bodily injury coverage per person | $20000 |
| Bodily injury per accident | $40000 |
| Property damage per accident | $15000 |
The state minimum auto insurance requirements in Iowa
The state minimum auto insurance coverage requirement in Iowa is liability coverage.
- $20000 bodily injury coverage per person is required in Iowa.
- $40000 bodily injury coverage per accident is required in Iowa.
- $15000 property damage coverage per accident is required in Iowa.
Other types of optional coverages in Iowa are:
- Comprehensive
- Collision
- Roadside Assistance
- Loan/Lease Payoff
- Rental Car Reimbursement
- Medical Payments
- Uninsured/Underinsured Motorist Bodily Injury
Fine for driving without car insurance in Iowa
If anyone caught driving without a car insurance policy in Iowa then police may charge a fine.
Car insurance prices by cities in Iowa
Car insurance premiums in Iowa may vary from city to city. In some cities of Iowa, car insurance prices are high compared to others.
| City | Average annual insurance premiums |
| Council Bluffs | $1406 |
| Waterloo | $1144 |
| Sioux City | $1133 |
| Davenport | $1109 |
| Dubuque | $1107 |
| Des Moines | $1093 |
| Fort Dodge | $1086 |
| Ottumwa | $1076 |
| Cedar Falls | $1076 |
| Cedar Rapids | $1056 |
| Clinton | $1055 |
| Marshalltown | $1052 |
| Bettendorf | $1045 |
| Marion | $1036 |
| Burlington | $1033 |
| Muscatine | $1002 |
| Mason City | $975 |
| Iowa City | $972 |
| West Des Moines | $965 |
| Clive | $960 |
| Urbandale | $957 |
| Ames | $946 |
| Coralville | $945 |
| Johnston | $937 |
| Ankeny | $936 |
If you are looking for a car insurance deal in Iowa, you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.
