The Best and Cheapest Iowa Car Insurance Quotes (2026)
Progressive has the best cheap car insurance in Iowa. At $122 per month, full coverage from Progressive is $48 per month cheaper than average.
Find Cheap Car Insurance Quotes in Iowa
Best cheap car insurance in Iowa
Best and cheapest car insurance in Iowa
- Cheapest full coverage: Progressive, $122/mo
- Cheapest minimum liability: Progressive, $15/mo
- Cheapest for young drivers: Progressive, $69/mo
- Cheapest after a ticket: State Farm, $136/mo
- Cheapest after an accident: State Farm, $129/mo
- Cheapest for teens after a ticket: Progressive, $78/mo
- Cheapest after a DUI: Progressive, $164/mo
- Cheapest for 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.
State Farm offers the best mix of affordable quotes and reliable customer service in Iowa. Progressive is also cheap in Iowa, but its customer service reviews aren't very good.
Farm Bureau and Auto-Owners also have good service and tend to offer cheaper-than-average quotes. However, they're typically much more expensive than State Farm.
Cheapest auto insurance in IA: Progressive
Progressive has the cheapest full coverage quotes in Iowa.
Find Cheap 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. State Farm also offers cheap rates, at $129 per month, and it has much better customer satisfaction.
Best cheap full coverage car insurance in Iowa
Company | Monthly rate | |
|---|---|---|
| Progressive | $122 |
| State Farm | $129 |
| West Bend | $131 |
| IMT | $150 |
| Auto-Owners | $170 |
*USAA is only available to current and former military members and their families.
Data-powered research on Iowa car insurance
| Data-powered research on IA car insurance |
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Cheapest liability car insurance in Iowa: Progressive
Progressive offers the cheapest minimum liability insurance in Iowa, at around $15 per month.
That's less than half the Iowa state average, which is $41 per month for a liability-only policy.
However, if you want good rates and much better service ratings, consider the regional insurance company IMT, which charges an average of $28 per month, and State Farm, which charges an average of $29 per month.
Best cheap IA auto insurance
Company | Monthly rate |
|---|---|
| Progressive | $15 |
| IMT | $28 |
| State Farm | $29 |
| West Bend | $32 |
| Farm Bureau | $32 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Iowa
Cheap IA auto insurance for teens: Progressive and IMT
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.
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 |
| State Farm | $98 | $354 |
| Geico | $106 | $357 |
*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 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 $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 |
| Farm Bureau | $235 |
*USAA is only available to current and former military members and their families.
Drivers in Iowa can expect their car insurance rates to 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 $129 per month, which is half the state average
Company | Monthly rate |
|---|---|
| State Farm | $129 |
| Progressive | $199 |
| Auto-Owners | $220 |
| West Bend | $220 |
| IMT | $235 |
*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 with a ticket or accident: Progressive
Progressive has the cheapest rates in Iowa for young drivers with a speeding ticket. A minimum liability policy from Progressive costs $78 per month for an 18-year-old with one ticket. That's 55% less per month than the state average.
Progressive also has the most affordable quotes for Iowa teens who have caused an 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 accident
Company | Ticket | Accident |
|---|---|---|
| Progressive | $78 | $83 |
| State Farm | $107 | $98 |
| IMT | $114 | $145 |
| Farm Bureau | $115 | $153 |
| Geico | $143 | $182 |
*USAA is only available to current and former military members and their families.
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, which is around half the Iowa average.
Company | Monthly rate _ Progressive | $164 _ State Farm | $228 _ West Bend | $251 _ IMT | $265 _ Geico | $287 _ Allstate | $332 _ Auto-Owners | $390 _ Farm Bureau | $419 _ Nationwide | $509 _ USAA | $254 _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. Full coverage from Progressive costs around $198 per month. That's $126 per month cheaper than the state average.
Full coverage from IMT is $199 per month. 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.
Best car insurance in Iowa
USAA has the best-rated customer service for drivers in Iowa.
However, USAA insurance is available only to those who have strong ties to the military.
If you can’t get USAA coverage, State Farm and IMT have reliable customer service scores. You should compare rates from several companies to find the best policy for you.
Top auto insurance companies in Iowa
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 735 | A++ | |
| State Farm | 650 | A++ | |
| Farm Bureau | 645 | A | |
| Nationwide | 645 | A | |
| Auto-Owners | 638 | A+ |
Car insurance quotes in Iowa by city
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.
You're likely to pay more for car insurance in places with higher rates of theft, or where roads are narrow or poorly maintained, which may lead to more car accidents.
Full coverage insurance rates in Iowa by city
City | Monthly rate | % from average |
|---|---|---|
| Ackley | $160 | -6% |
| Ackworth | $169 | 0% |
| Adair | $180 | 6% |
| Adel | $163 | -4% |
| Afton | $183 | 8% |
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
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.
Senior Writer
Jenn Jones is a Senior Writer at LendingTree where she covers auto, home, renters and motorcycle insurance topics.
Previously an editor for USA TODAY Blueprint and a finance manager at World Car dealerships, she has more than a decade of experience in the world of personal finance and a deep interest in sharing knowledge that empowers others. She’s also served as a freelance translator, copy editor, writer and researcher. She graduated from the University of Virginia with a B.S. in commerce and a B.A. in Chinese language and literature.
How insurance helped Jenn
Jenn first came to appreciate pet insurance when annual checkups for her cat and dog totaled more than $700.
Expertise
- Auto insurance
- Renters insurance
- Condo insurance
- Home insurance
Referenced by
- USA TODAY
- MSN
- F&I Magazine
- Automotive News
Education
- BS, Commerce, University of Virginia
- BA, Chinese Language and Literature, University of Virginia
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.
