Cheap Car Insurance in Iowa for April 2024

Hastings Mutual offers the cheapest car insurance in Iowa, with an average annual rate of $742 for full coverage.
Ben Moore
By Ben Moore 
Updated

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Auto insurance is an important purchase, but finding cheap car insurance in Iowa isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Iowa is Hastings Mutual at $742 per year on average, or $62 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Iowa. Meanwhile, the average cost of full coverage car insurance in Iowa is $1,676 per year, or about $140 per month.

Minimum coverage in Iowa is $274 per year on average, but we found you can likely get a cheaper policy. For example, Hastings Mutual offers the cheapest rates in Iowa at $188 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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How we chose the cheapest companies in Iowa

NerdWallet’s editorial team analyzed car insurance rates from 18 auto insurers in Iowa and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Iowa. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Iowa where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Iowa for 20-year-olds

Drivers in Iowa with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Hastings Mutual: $1,768 per year, or about $147 per month.
  2. Farm Bureau Financial Services: $2,085 per year, or about $174 per month.
  3. IMT: $2,526 per year, or about $210 per month.
  4. Cameron Mutual: $2,628 per year, or about $219 per month.
  5. Geico: $2,703 per year, or about $225 per month.

Cheapest minimum coverage car insurance in Iowa for 20-year-olds

Drivers in Iowa who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Geico: $441 per year, or about $37 per month.
  2. Farm Bureau Financial Services: $449 per year, or about $37 per month.
  3. Hastings Mutual: $464 per year, or about $39 per month.
  4. IMT: $532 per year, or about $44 per month.
  5. Progressive: $547 per year, or about $46 per month.

Cheapest auto insurance in Iowa for 20-year-olds with poor credit

Drivers with poor credit in Iowa should look at the following insurers with the lowest average rates for minimum coverage:

  1. Geico: $589 per year, or about $49 per month.
  2. Farm Bureau Financial Services: $763 per year, or about $64 per month.
  3. IMT: $779 per year, or about $65 per month.
  4. Hastings Mutual: $792 per year, or about $66 per month.
  5. Progressive: $842 per year, or about $70 per month.

Cheapest auto insurance in Iowa for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Iowa, here are the companies with the lowest average rates for minimum coverage:

  1. Geico: $463 per year, or about $39 per month.
  2. Hastings Mutual: $516 per year, or about $43 per month.
  3. Farm Bureau Financial Services: $520 per year, or about $43 per month.
  4. Western National: $563 per year, or about $47 per month.
  5. Progressive: $639 per year, or about $53 per month.

Cheapest auto insurance in Iowa for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Iowa, here are the companies with the lowest average rates for minimum coverage:

  1. Hastings Mutual: $464 per year, or about $39 per month.
  2. Western National: $563 per year, or about $47 per month.
  3. Progressive: $653 per year, or about $54 per month.
  4. Farm Bureau Financial Services: $680 per year, or about $57 per month.
  5. Geico: $695 per year, or about $58 per month.

Cheapest auto insurance in Iowa for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Western National: $563 per year, or about $47 per month.
  2. Progressive: $612 per year, or about $51 per month.
  3. Geico: $922 per year, or about $77 per month.
  4. IMT: $925 per year, or about $77 per month.
  5. Cameron Mutual: $928 per year, or about $77 per month.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Iowa for 30-year-olds

Drivers in Iowa who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Hastings Mutual: $766 per year, or about $64 per month.
  2. Farm Bureau Financial Services: $1,173 per year, or about $98 per month.
  3. Cameron Mutual: $1,370 per year, or about $114 per month.
  4. State Farm: $1,449 per year, or about $121 per month.
  5. Travelers: $1,504 per year, or about $125 per month.

Cheapest minimum coverage car insurance in Iowa for 30-year-olds

Drivers in Iowa who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Hastings Mutual: $194 per year, or about $16 per month.
  2. Farm Bureau Financial Services: $216 per year, or about $18 per month.
  3. Auto-Owners: $226 per year, or about $19 per month.
  4. Geico: $258 per year, or about $22 per month.
  5. State Farm: $260 per year, or about $22 per month.

Cheapest auto insurance in Iowa for 30-year-olds with poor credit

Drivers with poor credit in Iowa should consider the following companies with the lowest average rates for full coverage:

  1. Hastings Mutual: $1,264 per year, or about $105 per month.
  2. Geico: $2,062 per year, or about $172 per month.
  3. Farm Bureau Financial Services: $2,066 per year, or about $172 per month.
  4. Cameron Mutual: $2,206 per year, or about $184 per month.
  5. IMT: $2,287 per year, or about $191 per month.

Cheapest auto insurance in Iowa for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Iowa, here are the companies with the lowest average rates for minimum coverage:

  1. Hastings Mutual: $244 per year, or about $20 per month.
  2. Farm Bureau Financial Services: $249 per year, or about $21 per month.
  3. Western National: $279 per year, or about $23 per month.
  4. Cameron Mutual: $286 per year, or about $24 per month.
  5. State Farm: $301 per year, or about $25 per month.

Cheapest auto insurance in Iowa for 30-year-old drivers with one at-fault crash

For drivers in Iowa with a recent accident, here are the lowest average rate options for full coverage:

  1. Hastings Mutual: $766 per year, or about $64 per month.
  2. Cameron Mutual: $1,606 per year, or about $134 per month.
  3. Farm Bureau Financial Services: $1,764 per year, or about $147 per month.
  4. State Farm: $1,768 per year, or about $147 per month.
  5. Auto-Owners: $1,911 per year, or about $159 per month.

Cheapest auto insurance in Iowa for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Cameron Mutual: $1,758 per year, or about $147 per month.
  2. State Farm: $1,960 per year, or about $163 per month.
  3. Progressive: $2,132 per year, or about $178 per month.
  4. American Family: $2,401 per year, or about $200 per month.
  5. Farm Bureau Financial Services: $2,409 per year, or about $201 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Iowa for 40-year-olds

Drivers in Iowa with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Hastings Mutual: $674 per year, or about $56 per month.
  2. Farm Bureau Financial Services: $1,138 per year, or about $95 per month.
  3. Cameron Mutual: $1,218 per year, or about $102 per month.
  4. Travelers: $1,365 per year, or about $114 per month.
  5. State Farm: $1,393 per year, or about $116 per month.

Cheapest minimum coverage car insurance in Iowa for 40-year-olds

Drivers in Iowa who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Hastings Mutual: $170 per year, or about $14 per month.
  2. Farm Bureau Financial Services: $209 per year, or about $17 per month.
  3. Western National: $229 per year, or about $19 per month.
  4. Auto-Owners: $233 per year, or about $19 per month.
  5. IMT: $251 per year, or about $21 per month.

Cheapest auto insurance in Iowa for 40-year-olds with poor credit

Drivers with poor credit in Iowa can check out the following insurers with the lowest average rates for full coverage:

  1. Hastings Mutual: $1,114 per year, or about $93 per month.
  2. Cameron Mutual: $1,956 per year, or about $163 per month.
  3. Geico: $2,044 per year, or about $170 per month.
  4. Farm Bureau Financial Services: $2,061 per year, or about $172 per month.
  5. IMT: $2,104 per year, or about $175 per month.

Cheapest auto insurance in Iowa for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Iowa, here are the companies with the lowest average rates for minimum coverage:

  1. Hastings Mutual: $220 per year, or about $18 per month.
  2. Western National: $229 per year, or about $19 per month.
  3. Farm Bureau Financial Services: $242 per year, or about $20 per month.
  4. Cameron Mutual: $256 per year, or about $21 per month.
  5. IMT: $301 per year, or about $25 per month.

Cheapest auto insurance in Iowa for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Iowa, here are the companies with the lowest average rates for full coverage:

  1. Hastings Mutual: $674 per year, or about $56 per month.
  2. Cameron Mutual: $1,426 per year, or about $119 per month.
  3. State Farm: $1,701 per year, or about $142 per month.
  4. Farm Bureau Financial Services: $1,710 per year, or about $143 per month.
  5. Auto-Owners: $1,896 per year, or about $158 per month.

Cheapest auto insurance in Iowa for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Cameron Mutual: $1,570 per year, or about $131 per month.
  2. Progressive: $1,873 per year, or about $156 per month.
  3. State Farm: $1,887 per year, or about $157 per month.
  4. American Family: $2,276 per year, or about $190 per month.
  5. Hastings Mutual: $2,322 per year, or about $194 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Iowa for 50-year-olds

Drivers in Iowa with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Hastings Mutual: $620 per year, or about $52 per month.
  2. Farm Bureau Financial Services: $1,028 per year, or about $86 per month.
  3. Cameron Mutual: $1,140 per year, or about $95 per month.
  4. Travelers: $1,262 per year, or about $105 per month.
  5. State Farm: $1,328 per year, or about $111 per month.

Cheapest minimum coverage car insurance in Iowa for 50-year-olds

Drivers in Iowa who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Hastings Mutual: $156 per year, or about $13 per month.
  2. Farm Bureau Financial Services: $187 per year, or about $16 per month.
  3. Western National: $207 per year, or about $17 per month.
  4. Auto-Owners: $217 per year, or about $18 per month.
  5. Geico: $227 per year, or about $19 per month.

Cheapest auto insurance in Iowa for 50-year-olds with poor credit

Drivers with poor credit in Iowa can check with the following companies, which showed the lowest average rates for full coverage:

  1. Hastings Mutual: $1,020 per year, or about $85 per month.
  2. Cameron Mutual: $1,826 per year, or about $152 per month.
  3. Farm Bureau Financial Services: $1,857 per year, or about $155 per month.
  4. Geico: $1,869 per year, or about $156 per month.
  5. IMT: $2,005 per year, or about $167 per month.

Cheapest auto insurance in Iowa for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Iowa, here are the companies with the lowest average rates for minimum coverage:

  1. Western National: $207 per year, or about $17 per month.
  2. Hastings Mutual: $208 per year, or about $17 per month.
  3. Farm Bureau Financial Services: $216 per year, or about $18 per month.
  4. Cameron Mutual: $240 per year, or about $20 per month.
  5. IMT: $280 per year, or about $23 per month.

Cheapest auto insurance in Iowa for 50-year-old drivers with one at-fault crash

For drivers living in Iowa with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Hastings Mutual: $620 per year, or about $52 per month.
  2. Cameron Mutual: $1,330 per year, or about $111 per month.
  3. Farm Bureau Financial Services: $1,542 per year, or about $128 per month.
  4. State Farm: $1,625 per year, or about $135 per month.
  5. Auto-Owners: $1,763 per year, or about $147 per month.

Cheapest auto insurance in Iowa for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Cameron Mutual: $1,464 per year, or about $122 per month.
  2. Progressive: $1,705 per year, or about $142 per month.
  3. State Farm: $1,806 per year, or about $150 per month.
  4. American Family: $2,059 per year, or about $172 per month.
  5. Farm Bureau Financial Services: $2,105 per year, or about $175 per month.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Iowa for 60-year-olds

Drivers in Iowa with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Hastings Mutual: $652 per year, or about $54 per month.
  2. Farm Bureau Financial Services: $976 per year, or about $81 per month.
  3. Cameron Mutual: $1,086 per year, or about $91 per month.
  4. State Farm: $1,217 per year, or about $101 per month.
  5. Travelers: $1,218 per year, or about $101 per month.

Cheapest minimum coverage car insurance in Iowa for 60-year-olds

Drivers in Iowa who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Hastings Mutual: $162 per year, or about $14 per month.
  2. Farm Bureau Financial Services: $181 per year, or about $15 per month.
  3. Western National: $196 per year, or about $16 per month.
  4. Auto-Owners: $216 per year, or about $18 per month.
  5. Geico: $227 per year, or about $19 per month.

Cheapest auto insurance in Iowa for 60-year-olds with poor credit

Drivers with poor credit in Iowa can look at the following companies with the lowest average rates for full coverage:

  1. Hastings Mutual: $1,074 per year, or about $90 per month.
  2. Cameron Mutual: $1,744 per year, or about $145 per month.
  3. Farm Bureau Financial Services: $1,761 per year, or about $147 per month.
  4. Geico: $1,790 per year, or about $149 per month.
  5. IMT: $1,907 per year, or about $159 per month.

Cheapest auto insurance in Iowa for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Iowa, here are the companies with the lowest average rates for minimum coverage:

  1. Western National: $196 per year, or about $16 per month.
  2. Farm Bureau Financial Services: $208 per year, or about $17 per month.
  3. Hastings Mutual: $216 per year, or about $18 per month.
  4. Cameron Mutual: $230 per year, or about $19 per month.
  5. State Farm: $278 per year, or about $23 per month.

Cheapest auto insurance in Iowa for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Iowa, here are the companies with the lowest average rates for full coverage:

  1. Hastings Mutual: $652 per year, or about $54 per month.
  2. Cameron Mutual: $1,272 per year, or about $106 per month.
  3. Farm Bureau Financial Services: $1,463 per year, or about $122 per month.
  4. State Farm: $1,491 per year, or about $124 per month.
  5. Auto-Owners: $1,660 per year, or about $138 per month.

Cheapest auto insurance in Iowa for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Cameron Mutual: $1,400 per year, or about $117 per month.
  2. Progressive: $1,614 per year, or about $135 per month.
  3. State Farm: $1,659 per year, or about $138 per month.
  4. Western National: $1,959 per year, or about $163 per month.
  5. Farm Bureau Financial Services: $1,998 per year, or about $166 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Iowa for 70-year-olds

Drivers in Iowa with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Hastings Mutual: $814 per year, or about $68 per month.
  2. Farm Bureau Financial Services: $901 per year, or about $75 per month.
  3. Cameron Mutual: $1,114 per year, or about $93 per month.
  4. State Farm: $1,239 per year, or about $103 per month.
  5. Travelers: $1,311 per year, or about $109 per month.

Cheapest minimum coverage car insurance in Iowa for 70-year-olds

Drivers in Iowa who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Farm Bureau Financial Services: $184 per year, or about $15 per month.
  2. Hastings Mutual: $208 per year, or about $17 per month.
  3. Cameron Mutual: $246 per year, or about $21 per month.
  4. IMT: $257 per year, or about $21 per month.
  5. State Farm: $259 per year, or about $22 per month.

Cheapest auto insurance in Iowa for 70-year-olds with poor credit

Drivers with poor credit in Iowa can look at the following companies with the lowest average rates for full coverage:

  1. Hastings Mutual: $1,352 per year, or about $113 per month.
  2. Farm Bureau Financial Services: $1,634 per year, or about $136 per month.
  3. Cameron Mutual: $1,798 per year, or about $150 per month.
  4. Geico: $1,923 per year, or about $160 per month.
  5. IMT: $1,932 per year, or about $161 per month.

Cheapest auto insurance in Iowa for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Iowa, here are the companies with the lowest average rates for minimum coverage:

  1. Farm Bureau Financial Services: $215 per year, or about $18 per month.
  2. Cameron Mutual: $246 per year, or about $21 per month.
  3. Hastings Mutual: $260 per year, or about $22 per month.
  4. Western National: $274 per year, or about $23 per month.
  5. State Farm: $300 per year, or about $25 per month.

Cheapest auto insurance in Iowa for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Iowa, here are the companies with the lowest average rates for full coverage:

  1. Hastings Mutual: $814 per year, or about $68 per month.
  2. Cameron Mutual: $1,316 per year, or about $110 per month.
  3. Farm Bureau Financial Services: $1,360 per year, or about $113 per month.
  4. State Farm: $1,528 per year, or about $127 per month.
  5. Auto-Owners: $1,829 per year, or about $152 per month.

Cheapest auto insurance in Iowa for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Cameron Mutual: $1,462 per year, or about $122 per month.
  2. Progressive: $1,690 per year, or about $141 per month.
  3. State Farm: $1,710 per year, or about $142 per month.
  4. Farm Bureau Financial Services: $1,854 per year, or about $155 per month.
  5. American Family: $2,102 per year, or about $175 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 62 of the 70 driver profiles we examined.

Minimum required auto insurance in Iowa

Iowa drivers must carry liability insurance with the following minimum limits:

  • $20,000 bodily injury liability per person.

  • $40,000 bodily injury liability per accident.

  • $15,000 property damage liability per accident.

If you're ever found at fault in a crash, liability insurance kicks in to help cover others' property damage and injury bills. Since any damage that exceeds your insurance limits will have to come out of your own pocket, it's usually wise to purchase more than the legally required minimum. You may also want to consider common optional coverages such as collision, comprehensive and uninsured motorist insurance.

To learn more about coverage options for your Iowa plan, visit NerdWallet's state-by-state car insurance requirements.

Alternative car insurance in Iowa

Drivers who are denied car insurance because of a spotty driving record or other reasons can get coverage through the Iowa Automobile Insurance Plan.

NerdWallet is here to help Iowans find the insurance that’s right for them. Our car insurance comparison tool offers a view of side-by-side rates.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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