The Cheapest Car Insurance in Iowa for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in Iowa for a variety of ages and driving histories.
Dec 9, 2021

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Auto insurance is an important purchase, but finding cheap car insurance in Iowa isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Iowa is $1,131 per year, or about $94 per month, according to NerdWallet’s analysis. Minimum coverage in Iowa is $240 per year on average, but we found you can likely get a cheaper policy. For example, State Farm offers the cheapest rates in Iowa at $166 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

Why you can trust NerdWallet: 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 the country 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.

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Cheapest car insurance company overall in Iowa

Hastings Mutual

$64/month

Not yet rated.

Cheapest for minimum coverage

$14/month

5.0

NerdWallet rating 

Cheapest for young drivers

$125/month

5.0

NerdWallet rating 

Cheapest for drivers with poor credit

Hastings Mutual

$64/month

Not yet rated.

How we chose the cheapest companies in Iowa

NerdWallet’s editorial team analyzed car insurance rates from 16 auto insurers in Iowa and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 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.

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. State Farm: $1,505 per year, or about $125 per month.

  2. Pekin: $1,634 per year, or about $136 per month.

  3. IMT: $1,676 per year, or about $140 per month.

  4. Geico: $1,690 per year, or about $141 per month.

  5. Allstate: $1,802 per year, or about $150 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: $348 per year, or about $29 per month.

  2. State Farm: $384 per year, or about $32 per month.

  3. Western National: $395 per year, or about $33 per month.

  4. Integrity: $433 per year, or about $36 per month.

  5. Grinnell: $475 per year, or about $40 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: $503 per year, or about $42 per month.

  2. Integrity: $593 per year, or about $49 per month.

  3. IMT: $746 per year, or about $62 per month.

  4. Hastings Mutual: $783 per year, or about $65 per month.

  5. Progressive: $873 per year, or about $73 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. Western National: $395 per year, or about $33 per month.

  2. Geico: $456 per year, or about $38 per month.

  3. State Farm: $503 per year, or about $42 per month.

  4. Integrity: $527 per year, or about $44 per month.

  5. Progressive: $681 per year, or about $57 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: $395 per year, or about $33 per month.

  2. Progressive: $590 per year, or about $49 per month.

  3. State Farm: $597 per year, or about $50 per month.

  4. Geico: $621 per year, or about $52 per month.

  5. Integrity: $737 per year, or about $61 per month.

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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 with clean driving records may get the lowest rates from these companies:

  1. State Farm: $790 per year, or about $66 per month.

  2. Hastings Mutual: $801 per year, or about $67 per month.

  3. Pekin: $890 per year, or about $74 per month.

  4. Geico: $919 per year, or about $77 per month.

  5. West Bend: $972 per year, or about $81 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. State Farm: $168 per year, or about $14 per month.

  2. Geico: $170 per year, or about $14 per month.

  3. Integrity: $173 per year, or about $14 per month.

  4. Pekin: $194 per year, or about $16 per month.

  5. Western National: $200 per year, or about $17 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: $1,153 per year, or about $96 per month.

  2. Geico: $1,263 per year, or about $105 per month.

  3. Integrity: $1,455 per year, or about $121 per month.

  4. IMT: $1,538 per year, or about $128 per month.

  5. Farm Bureau Financial Services: $1,709 per year, or about $142 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. State Farm: $970 per year, or about $81 per month.

  2. Hastings Mutual: $1,114 per year, or about $93 per month.

  3. Pekin: $1,143 per year, or about $95 per month.

  4. American Family: $1,346 per year, or about $112 per month.

  5. Farm Bureau Financial Services: $1,497 per year, or about $125 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. State Farm: $1,093 per year, or about $91 per month.

  2. Farm Bureau Financial Services: $1,489 per year, or about $124 per month.

  3. Progressive: $1,504 per year, or about $125 per month.

  4. American Family: $1,639 per year, or about $137 per month.

  5. Pekin: $1,647 per year, or about $137 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: $704 per year, or about $59 per month.

  2. State Farm: $768 per year, or about $64 per month.

  3. Pekin: $837 per year, or about $70 per month.

  4. West Bend: $922 per year, or about $77 per month.

  5. Geico: $938 per year, or about $78 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. Western National: $164 per year, or about $14 per month.

  2. State Farm: $169 per year, or about $14 per month.

  3. Geico: $175 per year, or about $15 per month.

  4. Pekin: $176 per year, or about $15 per month.

  5. Integrity: $177 per year, or about $15 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: $1,010 per year, or about $84 per month.

  2. Geico: $1,287 per year, or about $107 per month.

  3. Integrity: $1,402 per year, or about $117 per month.

  4. IMT: $1,429 per year, or about $119 per month.

  5. Pekin: $1,627 per year, or about $136 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. State Farm: $944 per year, or about $79 per month.

  2. Hastings Mutual: $1,000 per year, or about $83 per month.

  3. Pekin: $1,072 per year, or about $89 per month.

  4. American Family: $1,241 per year, or about $103 per month.

  5. Western National: $1,447 per year, or about $121 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. State Farm: $1,063 per year, or about $89 per month.

  2. Progressive: $1,357 per year, or about $113 per month.

  3. Western National: $1,447 per year, or about $121 per month.

  4. Farm Bureau Financial Services: $1,472 per year, or about $123 per month.

  5. American Family: $1,510 per year, or about $126 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: $593 per year, or about $49 per month.

  2. State Farm: $737 per year, or about $61 per month.

  3. Pekin: $805 per year, or about $67 per month.

  4. Farm Bureau Financial Services: $848 per year, or about $71 per month.

  5. Geico: $861 per year, or about $72 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. Western National: $149 per year, or about $12 per month.

  2. Geico: $162 per year, or about $14 per month.

  3. Hastings Mutual: $162 per year, or about $14 per month.

  4. State Farm: $168 per year, or about $14 per month.

  5. Integrity: $169 per year, or about $14 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: $848 per year, or about $71 per month.

  2. Geico: $1,188 per year, or about $99 per month.

  3. Integrity: $1,306 per year, or about $109 per month.

  4. IMT: $1,369 per year, or about $114 per month.

  5. Farm Bureau Financial Services: $1,500 per year, or about $125 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: $872 per year, or about $73 per month.

  2. State Farm: $912 per year, or about $76 per month.

  3. Pekin: $1,031 per year, or about $86 per month.

  4. American Family: $1,148 per year, or about $96 per month.

  5. Farm Bureau Financial Services: $1,283 per year, or about $107 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. State Farm: $1,025 per year, or about $85 per month.

  2. Progressive: $1,228 per year, or about $102 per month.

  3. Farm Bureau Financial Services: $1,276 per year, or about $106 per month.

  4. Western National: $1,288 per year, or about $107 per month.

  5. American Family: $1,395 per year, or about $116 per month.

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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: $606 per year, or about $50 per month.

  2. State Farm: $688 per year, or about $57 per month.

  3. Pekin: $787 per year, or about $66 per month.

  4. Farm Bureau Financial Services: $811 per year, or about $68 per month.

  5. Geico: $839 per year, or about $70 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. Western National: $141 per year, or about $12 per month.

  2. State Farm: $159 per year, or about $13 per month.

  3. Integrity: $160 per year, or about $13 per month.

  4. Geico: $162 per year, or about $14 per month.

  5. Hastings Mutual: $166 per year, or about $14 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: $867 per year, or about $72 per month.

  2. Geico: $1,154 per year, or about $96 per month.

  3. Integrity: $1,192 per year, or about $99 per month.

  4. IMT: $1,295 per year, or about $108 per month.

  5. Farm Bureau Financial Services: $1,437 per year, or about $120 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. State Farm: $850 per year, or about $71 per month.

  2. Hastings Mutual: $887 per year, or about $74 per month.

  3. Pekin: $1,014 per year, or about $84 per month.

  4. American Family: $1,107 per year, or about $92 per month.

  5. Western National: $1,161 per year, or about $97 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. State Farm: $961 per year, or about $80 per month.

  2. Western National: $1,161 per year, or about $97 per month.

  3. Progressive: $1,173 per year, or about $98 per month.

  4. Farm Bureau Financial Services: $1,220 per year, or about $102 per month.

  5. American Family: $1,348 per year, or about $112 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 32 of the 48 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 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

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.

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