The Best and Cheapest Iowa Car Insurance Quotes (2026)
Progressive has the cheapest car insurance in Iowa, at $122 per month for full coverage.
Find Cheap Car Insurance Quotes in Iowa
Best cheap car insurance in Iowa
Progressive and State Farm are the cheapest companies for most people in Iowa.
- Want full coverage? Progressive: $122/mo
- Only need minimum coverage? Progressive: $15/mo
- Want the best customer service? State Farm: $129/mo
- Have a speeding ticket? State Farm: $136/mo
- Caused an accident? State Farm: $129/mo
- Need coverage for a teen? Progressive: $69/mo
- Got a DUI? Progressive: $164/mo
- Have poor credit? Progressive: $198/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest full coverage auto insurance in IA: Progressive and USAA
Progressive and USAA have the cheapest full coverage car insurance quotes in Iowa.
- Progressive charges an average of $122 per month for full coverage insurance in Iowa. That's 28% cheaper than the Iowa state average. But Progressive doesn't have great customer service reviews.
- State Farm also offers cheap rates, at $129 per month, and it has much better customer satisfaction than Progressive. That makes State Farm a better choice for most Iowa drivers.
- USAA has the cheapest rates in Iowa overall, at an average of just $94 per month for full coverage. However, only military members, veterans and some of their family members can get car insurance from USAA.
Find Cheap Car Insurance Quotes in Iowa
Best cheap full coverage car insurance in Iowa
Company | Monthly rate |
|---|---|
| Progressive | $122 |
| State Farm | $129 |
| West Bend | $131 |
| IMT | $150 |
| USAA | $94 |
USAA is only available to current and former military members and their families.
Data-powered research on Iowa car insurance
Cheapest liability car insurance in Iowa: Progressive
- Progressive offers the cheapest minimum liability insurance in Iowa, at an average of $15 per month. That's less than half the Iowa state average, which is $41 per month for a liability-only policy.
- However, IMT and State Farm have much better service ratings. And minimum liability insurance from both companies is still less than $30 per month.
Best cheap IA auto insurance
Company | Monthly rate |
|---|---|
| Progressive | $15 |
| IMT | $28 |
| State Farm | $29 |
| West Bend | $32 |
| USAA | $27 |
USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Iowa
Car insurance quotes in Iowa by city
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Progressive has the cheapest full coverage insurance in two-thirds of cities and towns across Iowa, including Cedar Rapids, Davenport and Sioux City.
West Bend has the cheapest rates in 20% of Iowa towns, most of which are smaller communities in the southwestern part of the state. State Farm has the lowest rates in 17% of cities and towns, including the capital city of Des Moines and some of its suburbs.
- Ames, home to Iowa State University, has the cheapest car insurance quotes in Iowa. The average cost of car insurance in Ames is $143 per month for a full coverage policy.
- Gravity, a small city in southwest Iowa, has the most expensive rates in the state. At $200 per month, full coverage in Gravity costs $30 per month more than the state average.
Find Cheap Car Insurance Quotes in Iowa
Cheapest full coverage insurance rates in Iowa by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Des Moines | 167 | State Farm | 130 |
| Cedar Rapids | 162 | Progressive | 127 |
| Davenport | 166 | Progressive | 119 |
| Sioux City | 178 | Progressive | 113 |
| Iowa City | 144 | Progressive | 94 |
| Ankeny | 149 | Progressive | 100 |
| West Des Moines | 157 | State Farm | 120 |
| Waterloo | 166 | Progressive | 104 |
| Ames | 143 | Progressive | 99 |
| Council Bluffs | 194 | Progressive | 130 |
| Dubuque | 161 | Progressive | 101 |
| Urbandale | 154 | State Farm | 118 |
| Marion | 160 | Progressive | 112 |
| Cedar Falls | 161 | Progressive | 99 |
| Bettendorf | 161 | Progressive | 114 |
| Waukee | 154 | Progressive | 114 |
| Marshalltown | 160 | Progressive | 122 |
| Ottumwa | 163 | Progressive | 117 |
| Johnston | 149 | Progressive | 109 |
| Fort Dodge | 164 | Progressive | 115 |
| Clinton | 159 | Progressive | 100 |
| Coralville | 144 | Progressive | 93 |
| Burlington | 153 | Progressive | 95 |
| Muscatine | 154 | Progressive | 89 |
| Altoona | 157 | Progressive | 106 |
| North Liberty | 149 | Progressive | 97 |
| Ackley | 160 | Progressive | 103 |
| Ackworth | 169 | West Bend | 128 |
| Adair | 180 | State Farm | 139 |
| Adel | 163 | Progressive | 111 |
| Afton | 183 | West Bend | 139 |
| Agency | 165 | Progressive | 114 |
| Ainsworth | 165 | Progressive | 109 |
| Akron | 169 | State Farm | 125 |
| Albert City | 158 | Progressive | 106 |
| Albia | 177 | Progressive | 129 |
| Albion | 165 | Progressive | 121 |
| Alburnett | 163 | Progressive | 106 |
| Alexander | 157 | Progressive | 105 |
| Algona | 154 | Progressive | 93 |
| Alleman | 158 | Progressive | 99 |
| Allerton | 186 | State Farm | 129 |
| Allison | 169 | Progressive | 124 |
| Alta | 159 | Progressive | 103 |
| Alta Vista | 168 | Progressive | 123 |
| Alton | 156 | Progressive | 101 |
| Alvord | 160 | State Farm | 114 |
| Amana | 168 | Progressive | 110 |
| Anamosa | 173 | Progressive | 119 |
| Andover | 163 | Progressive | 111 |
| Andrew | 166 | Progressive | 125 |
| Anita | 182 | Progressive | 134 |
Best car insurance in Iowa: State Farm
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Full coverage rate$129/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
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Claims processGoodClaims rating is based on J.D. Power's claims satisfaction survey.
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AM Best ratingA++An A++ financial strength rating means that a company has an excellent ability to pay customer claims, even in difficult financial situations. This is the third-highest rating available.
The author, Lindsay Bishop, chose the best car insurance companies in Iowa based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Iowa
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Cheap auto insurance in Iowa after a speeding ticket: State Farm
State Farm has the cheapest auto insurance in Iowa for people with a speeding ticket. Full coverage from State Farm costs an average of $136 per month, which is 40% less than the average in Iowa.
Cheapest Iowa car insurance rates after a ticket
Company | Monthly rate |
|---|---|
| State Farm | $136 |
| Progressive | $177 |
| IMT | $209 |
| Geico | $229 |
| USAA | $153 |
USAA is only available to current and former military members and their families.
Drivers in Iowa could see their car insurance rates go up by around 35% after one speeding ticket. That's an average increase of $59 per month for a full coverage policy.
Cheapest car insurance in IA after an accident: State Farm
State Farm offers the cheapest quotes for Iowa drivers with an accident on their records. Full coverage auto insurance from State Farm after an accident costs an average of $129 per month, which is half the state average.
Company | Monthly rate |
|---|---|
| State Farm | $129 |
| Progressive | $199 |
| Auto-Owners | $220 |
| West Bend | $220 |
| USAA | $175 |
USAA is only available to current and former military members and their families.
On average, the cost of car insurance goes up by 52% for Iowa drivers after an at-fault accident.
You don't need to worry about switching car insurance companies right after your accident. Your rates won't go up until your current policy renews. However, they will go up if you switch companies.
Instead, wait until you get your rate offer from your current company in the mail, usually a few weeks to a month before your policy renews. Then, you should get quotes from multiple companies to find the cheapest policy for you.
Cheap IA auto insurance for teens: Progressive and IMT
- Minimum liability coverage: Progressive has the cheapest liability-only insurance for Iowa teens. A policy costs an average of $69 per month, which is about half the state average.
- Full coverage: Young drivers looking for cheap full coverage should get a quote from IMT. Teens pay $272 per month on average, which is $152 per month less than the state average.
Affordable insurance in IA for teens
Company | Liability only | Full coverage |
|---|---|---|
| Progressive | $69 | $437 |
| IMT | $81 | $272 |
| Farm Bureau | $94 | $410 |
| Allstate | $175 | $749 |
| USAA | $48 | $264 |
USAA is only available to current and former military members and their families.
The average cost of minimum liability car insurance in Iowa for young drivers is $124 per month. That's about three times more than a 30-year-old driver pays for the same coverage.
- Young drivers can usually get the cheapest rates by sharing a policy with their parents.
- Many companies also have discounts geared toward teens. For example, the State Farm Steer Clear program offers a discount when you take a series of online courses and practice driving with a mentor.
- If you're having trouble finding affordable car insurance, consider working with a local independent insurance agent. Independent agents typically work with many different companies, including smaller insurance companies that may not offer online quotes. So they may know of a company that offers cheap rates for teens in your area.
Cheap IA auto insurance for teens with a ticket or accident: Progressive
Progressive has the cheapest rates in Iowa for young drivers with bad driving records.
- Speeding ticket: A minimum liability policy from Progressive costs $78 per month for an 18-year-old with one ticket, on average. That's 55% less per month than the state average.
- Accident: Liability-only coverage from Progressive costs $83 per month for these drivers, which is less than half the Iowa average.
Cheap Iowa car insurance for teens after a ticket or an accident
Company | Ticket | Accident |
|---|---|---|
| Progressive | $78 | $83 |
| State Farm | $107 | $98 |
| IMT | $114 | $145 |
| Farm Bureau | $115 | $153 |
| USAA | $125 | $139 |
USAA is only available to current and former military members and their families.
Teen drivers in Iowa could see their car insurance rates go up by around 40% after their first speeding ticket and 44% after their first at-fault accident.
Best car insurance rates in Iowa after a DUI: Progressive
Progressive is the cheapest insurance company for Iowa drivers with a DUI. A full coverage policy from Progressive costs $164 per month after a DUI, on average, which is around half the Iowa average.
Company | Monthly rate |
|---|---|
| Progressive | $164 |
| State Farm | $228 |
| West Bend | $251 |
| IMT | $265 |
| USAA | $254 |
USAA is only available to current and former military members and their families.
A DUI increases the cost of car insurance in Iowa by 83%, on average.
Drivers with a DUI may also have to get SR-22 insurance in Iowa. It usually costs between $15 and $50 for an insurance company to file an SR-22 certificate on your behalf. That's on top of any increase in your car insurance rates.
Affordable insurance in IA for drivers with poor credit: Progressive and IMT
Progressive and IMT are the cheapest car insurance companies in Iowa for drivers with bad credit.
- Progressive costs around $198 per month for full coverage. That's $126 per month cheaper.
- IMT charges an average of $199 per month for full coverage. The slightly higher price may be worth it because IMT has better customer service reviews.
Cheapest insurance companies in Iowa for bad credit
Company | Monthly rate |
|---|---|
| Progressive | $198 |
| IMT | $199 |
| West Bend | $233 |
| Geico | $258 |
| Farm Bureau | $331 |
*USAA is only available to current and former military members and their families.
Even though your credit score isn't related to your ability to drive safely, drivers with poor credit pay nearly twice as much for insurance in Iowa as those with good credit. That's because insurance companies believe drivers with bad credit are more likely to file claims in the future.
Over time, you can raise your credit score by paying your bills on time and keeping your credit card balances low. While this won't lower your insurance bill overnight, it may help you find cheaper rates when your policy renews.
Is your car insurance company raising rates in Iowa in 2026?
Only one major car insurance company, Liberty Mutual, has raised rates in Iowa in 2026. Alternatively, many companies have lowered their rates across the state.
- ↑ Biggest increase: Liberty Mutual at +1.6%
- ↓ Biggest decrease: American Family at -4.5%
Company | 2026 rate change | 5-year rate change |
|---|---|---|
| American Family | ↓ 4.5% | ↑ 12.6% |
| Progressive | ↓ 4.3% | ↑ 14.4% |
| Allstate | ↓ 3.2% | ↑ 52.2% |
| Grinnell | ↓ 2.6% | ↑ 45.9% |
| Nationwide | ↓ 1.3% | ↑ 39.2% |
| Geico | ↓ 1.1% | ↑ 20.9% |
| Farmers | ↓ 0.7% | ↑ 58.9% |
| Auto-Owners | ↓ 0.5% | ↑ 33.8% |
| State Farm | 0.0% | ↑ 10.5% |
| USAA | 0.0% | ↑ 21.4% |
| West Bend | 0.0% | ↑ 33.7% |
| Travelers | 0.0% | ↑ 41.1% |
| Farm Bureau | 0.0% | ↑ 41.7% |
| Liberty Mutual | ↑ 1.6% | ↑ 34.1% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
What is the minimum auto insurance coverage in Iowa?
Iowa requires auto insurance minimum liability coverage of 20/40/15 of liability coverage.
- Bodily injury liability: $20,000 per person and $40,000 per accident
- Property damage liability: $15,000 per accident
If, for some reason, you decide against getting an insurance policy, you can use one of the following alternatives from the Iowa Department of Transportation (DOT) as proof of your financial responsibility:
Security insurance card: The director of Iowa DOT will give you a security insurance card for your registered car(s) if you file an "endorsed certificate of deposit" with the state treasurer. You can get such a certificate by depositing $55,000 with an Iowa bank and providing proof that you do not have any unpaid claims from any previous accidents.
Bond insurance card: The director of Iowa's DOT will issue an insurance card if you file either a valid surety bond or a real estate bond The bond is a promise that if you cannot pay for the judgments against you for bodily injuries or property damage you cause, another party will serve as backup. A surety bond means a surety company will pay in your place. With a real estate bond, two other individuals will need to put up their Iowa real estate as collateral in case you fail to satisfy the judgments, and their property will be used to pay. Note that if you wish to file a real estate bond, you need to first have it approved by a court or clerk of the district court where the listed real estate is located.
If you're caught driving without insurance in Iowa, you could be on the hook for hundreds of dollars in fines.
[Iowa color="blue"]Potential fines and penalties for driving without insurance in Idaho[/format]- Fine: $325 to $645, or community service
- Driving privileges: Removal of license plates and registration receipt or vehicle impoundment, at the discretion of the officer
- Reinstatement requirements: Payment of fine or completion of community service; proof of insurance or SR-22; $15 administrative fee; vehicle towing and storage fees if car was impounded
What's the best car insurance coverage for Iowa drivers?
Full coverage car insurance is the best choice for most Iowa drivers.
That's because full coverage includes collision and comprehensive coverage, which protect your car.
- Collision insurance covers the cost of damage to your own car after an accident, regardless of fault.
- Comprehensive insurance pays for damage unrelated to a crash, like damage from severe weather or vandalism.
Your lender typically requires these coverages if you have a car loan or lease. You should also consider adding these coverages if your car is worth more than $5,000 or is less than eight years old.
In addition, full coverage often includes higher liability limits than the state requires. This is important because the Iowa requirements may not be high enough to cover the cost of a serious accident.
For example, if you cause a major crash with a brand new car, $15,000 probably won't be enough money to replace it.
Frequently asked questions
Is IMT cheaper than Progressive?
Progressive tends to have cheaper rates than IMT, but IMT tends to have cheaper-than-average rates and great customer service.
What is the best insurance in Iowa?How much is car insurance in Iowa per month?
The average price of a full coverage car insurance policy in Iowa is $170 per month. Liability-only coverage policies cost $41 per month, on average.
What insurance is required in Iowa?
Iowa drivers must have at least $20,000 per person and $40,000 per accident of bodily injury liability coverage, plus $15,000 of property damage liability coverage.
How much is car insurance in Des Moines, Iowa?
The average cost of car insurance in Des Moines is $167 per month for a full coverage policy. That's $3 per month less than the Iowa state average of $170 per month.
What is the cheapest car insurance in Iowa?
In 2026, Progressive has the cheapest car insurance in Iowa, at $122 per month for a full coverage policy and $15 per month for liability coverage.
Methodology
To find the best cheap Iowa auto insurance, ValuePenguin collected thousands of rates from ZIP codes across Iowa for the largest insurance companies in the state. Rates are for a 30-year-old man who owns a 2018 Honda Civic EX with good credit and a clean driving record.
Quotes are based on a full coverage policy with the following limits:
- $50,000 of bodily injury liability coverage per person and $100,000 per accident
- $25,000 of property damage liability
- $50,000 of bodily injury uninsured motorist coverage per person and $100,000 per accident
- Collision and comprehensive coverage with a $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Auto insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
To calculate rate changes by company, ValuePenguin used publicly available rate filing data from the Iowa Insurance Division. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often break customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
