/images/2018/01/23/navina-side-hustle-mid_MPfEDfV.jpg)
/images/2019/12/06/smart_strategies_to_save_money_on_car_insurance.jpg)
/authors/melinda-sineriz-financebuzz.jpg)
/authors/becca-borawski-jenkins-fbz.jpg)
State Farm, Auto-Owners, and USAA lead the pack as Iowa's most affordable car insurance providers.
Iowa drivers pay an average of $121 monthly for full-coverage car insurance, compared to $186 nationally. Your actual premium varies based on multiple factors such as age, driving history, and where you live. To find your best rate, compare quotes from several insurance companies.
Here's a breakdown of Iowa's cheapest car insurance by coverage type, driver demographics, and insurance company.
Affordable full-coverage car insurance in Iowa
Full-coverage insurance costs Iowa drivers $121 per month on average, compared to $186 nationwide. Cheapest car insurance providers in the state include State Farm, Auto-Owners, and USAA.
| Average monthly full coverage cost | |
| Iowa average | $121 |
| National average | $186 |
| State Farm | $47 |
| Auto-Owners | $77 |
| USAA | $81 |
| GEICO | $89 |
Affordable liability-only car insurance in Iowa
Among the most affordable liability car insurance providers in Iowa, State Farm, Auto-Owners, and USAA consistently offer competitive rates.
Iowa's average monthly premium for liability-only coverage is $62, compared to the national average of $104.
| Average monthly liability-only cost | |
| Iowa average | $62 |
| National average | $104 |
| State Farm | $26 |
| Auto-Owners | $44 |
| USAA | $46 |
| American Family | $53 |
Cheap car insurance in Iowa by age
Age significantly impacts insurance costs. Teen drivers face the steepest rates due to limited experience, with car insurance for teens averaging $264 monthly in Iowa.
Rates typically drop as drivers enter their 20s, averaging $160 per month. Drivers in their 30s and 40s usually enjoy even lower premiums at $135 and $125 monthly on average.
Premiums may increase again for senior drivers. Iowa residents in their 60s typically pay $97 per month, while those in their 70s average $103.
These age-related premium variations reflect the varying risk profiles of different age groups. Insurers consider younger drivers higher risk, while older drivers may see rate increases based on health considerations and driving patterns.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $264 | $136 |
| 20s | $160 | $83 |
| 30s | $135 | $69 |
| 40s | $125 | $65 |
| 50s | $108 | $56 |
| 60s | $97 | $50 |
| 70s | $103 | $53 |
Get rewarded with savings for having a clean driving record.
Car insurance can be so simple. And so affordable.
Enjoy personalized policies, comprehensive coverage & more.
Drivers who switch their auto insurance and save with State Farm save $764 on average!
Cheap car insurance in Iowa for high-risk drivers
Drivers with a bad driving record, such as moving violations or accidents, typically pay higher premiums.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $169 | $87 |
| Speeding ticket | $160 | $82 |
| DUI | $169 | $87 |
Compare low-cost car insurance after an accident
Drivers with accidents on their record can find affordable coverage through State Farm, Auto-Owners, and USAA in Iowa. Full-coverage premiums average $169 monthly for these drivers.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $63 | $35 |
| Auto-Owners | $102 | $58 |
| USAA | $109 | $62 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Drivers with speeding tickets can secure affordable insurance in Iowa through State Farm, Auto-Owners, and USAA. Monthly full coverage insurance averages $160 for drivers with this violation.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $61 | $34 |
| Auto-Owners | $100 | $56 |
| USAA | $105 | $59 |
Compare low-cost car insurance after a DUI conviction
State Farm, Auto-Owners, and USAA typically provide the most affordable full coverage options for Iowa drivers with DUI convictions. The average monthly rate for full coverage is $169 for these drivers.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $69 | $38 |
| Auto-Owners | $112 | $63 |
| USAA | $118 | $67 |
Cheap car insurance in Iowa by credit score
Excellent credit translates to lower premiums in Iowa, with drivers paying $109 monthly on average. Poor credit results in significantly higher rates, starting at $144 per month.
Rate disparities between credit tiers show how insurers use credit scores to assess risk, linking poor credit to an increased likelihood of claims and payment issues.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $109 | $56 |
| Good | $117 | $60 |
| Average | $124 | $64 |
| Poor | $144 | $74 |
FAQs
What are Iowa's minimum car insurance requirements?
Iowa requires drivers to carry minimum liability coverage of 20/40/15, which means $20,000 bodily injury coverage per person, $40,000 per accident, and $15,000 in property damage liability. The state also automatically includes uninsured/underinsured motorist coverage matching your liability limits, though you can reject this coverage in writing. Unlike many states, Iowa allows drivers to show financial responsibility through a $55,000 bond or certificate of deposit with the state as an alternative to purchasing insurance.
How does credit score impact car insurance rates in Iowa?
Iowa law permits insurance companies to use credit-based insurance scores when determining rates, and drivers with poor credit typically pay nearly double what those with excellent credit pay for the same coverage. The state doesn't prohibit this practice like some states do, making credit improvement a valuable strategy for lowering premiums over time in Iowa.
Are there special programs for low-income drivers in Iowa?
While Iowa doesn't have a state-sponsored low-income auto insurance program like California or New Jersey, drivers who cannot afford traditional insurance can access coverage through the Iowa Automobile Insurance Plan, which connects high-risk drivers with insurers.
Bottom line
These companies may offer Iowa's lowest average rates, but your cheapest option depends on your specific situation. Getting multiple quotes and comparing both price and coverage remains the most effective way to find your ideal insurance provider.
Data throughout provided by Insurify.
Average rate:
/images/2025/09/29/driving_in_traffic.png)
/images/2025/09/26/landscape_in_connecticut.png)
/images/2025/09/26/indiana.jpg)
/images/2025/09/26/chicago_river.jpg)
/images/2025/09/25/bridge_in_idaho.png)
/images/2025/09/22/auto-insurance-awards-banner.jpg)