Who Has The Cheapest Motorcycle Insurance Quotes In Iowa?

Who Has The Cheapest Motorcycle Insurance Quotes In Iowa?

The typical price of motorcycle insurance in Iowa is $411 per year. But the cheapest insurer, Progressive, has coverage for just $312 annually.

Compare Motorcycle Quotes in Iowa

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Motorcycle insurance isn't just a legal requirement — it also protects you as a rider and your motorcycle. We gathered more than 150 quotes from across the state to find the top insurers for your needs.

Best motorcycle insurance for most people: Progressive

Progressive has the best rates for motorcycle insurance in Iowa, plus a wide selection of coverage options and discounts.
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We were very impressed with Progressive's affordable motorcycle insurance, at an average cost of just $312 per year. It’s the cheapest we found — $99 less expensive than the typical price overall.

Riders also have a lot of opportunities to save with Progressive, as it offers discounts for taking a safety class or belonging to a motorcycle affinity group. You can also reduce your rates by bundling with another Progressive policy, such as auto insurance.

Progressive has many coverage options available to motorcyclists, too, including includes extra coverage for accessories or custom parts, as well as trip interruption coverage.

Finally, Progressive has good customer service. Its NAIC complaint index is 0.77, which means customers are about 77% as likely to complain about their service as at a typical company. But it's not the best customer service we saw in Iowa.

Best customer service: Allstate

Allstate has the best customer service of any motorcycle insurer we reviewed in Iowa, with rates that are still affordable.
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Iowa motorcycle riders who prioritize strong customer service should consider Allstate. It has the best service rating of any insurer we considered. Its NAIC complaint index is an impressive 0.63, which means it only received 63% as many complaints as a typical insurer relative to its size. This suggests customers tend to be satisfied with the service they receive.

Allstate's rates are pretty affordable, too. Though it can't beat Progressive, the cheapest option we found in Iowa, Allstate customers can expect to pay $368 per year, which is still 10% less than the average rate across all insurers we looked at. As a major home and auto insurer, Allstate also offers good discounts, including bundling your car insurance and paying your bill in full ahead of time.

Allstate has an adequate selection of optional coverages, including coverage for accessories and trailers. But its offerings aren't as robust as Progressive's.

Best for military families: USAA

USAA offers insurance at a discount, with coverage from a company with a broad set of offerings.
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People in the military, veterans and some of their family members can get an extra discount on insurance through USAA. The company has some of the best customer service around, but is only available to a limited group of consumers.

USAA doesn't sell its own motorcycle insurance, though. Instead, it works through Progressive: USAA members get a 5% discount on a Progressive policy, which can be added to Progressive's robust set of discounts.

However, USAA has a smaller number of agents than many larger competitors, so it would not be a top option for those looking to work with someone in person.

Best-rated Iowa motorcycle insurers

You need your insurance company to be there for you after a crash or if your motorcycle gets damaged, so having an insurer you can count on is essential.

Here's how the insurers we evaluated stack up when it comes to customer service:

Insurer
NAIC Complaint Index
AM Best rating
Allstate0.63A+
Dairyland2.69A+
Geico1.32A++
Nationwide1.4A+
Progressive0.77A+
USAA0.85

NAIC complaint index: lower is better.

We measure a company's level of service in two important ways: the Complaint Index issued by the National Association of Insurance Commissioners (NAIC) and the company's AM Best Financial Strength Rating.

The NAIC Complaint Index compares a company's number of complaints with its share of the market. Lower numbers indicate better performance, and the average score is 1.0. A company with a better AM Best rating is in a better position to pay out claims, even in tough economic conditions.

The NAIC combines car and motorcycle insurance into a single industry category. This means the scores are based on each company's combined premiums for motorcycles and cars.

Cheapest motorcycle insurance companies in Iowa

While the typical price for motorcycle insurance in Iowa we found is $411 per year, some insurers are more affordable than others. Progressive was the cheapest option overall, at $312 per year. Nationwide, Geico and Allstate also had affordable rates below $400 per year.

A graph of the lowest motorcycle insurance rates in Iowa

Compare Motorcycle Insurance Quotes in Iowa

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Insurer
Annual rate
Progressive$312
Nationwide$337
GEICO$338
Allstate$368
Average$411
Dairyland$699

Iowa motorcycle insurance cost by city

The cost of motorcycle insurance varies based on where you live. You might pay more than average if you live in an area with a lot of motorcycle theft, or a city with poorly maintained roads, which may lead to crashes.

Here's a city-by-city breakdown of the cost of motorcycle insurance in Iowa:

City
Annual rate
% from statewide average
State average$411
Altoona$4397%
Ames$385-6%
Bettendorf$46212%
Boone$376-8%
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Iowa motorcycle insurance requirements

In Iowa, motorcyclists are required by law to carry insurance in order to ride on public roads. The amount of coverage required is the same as for cars:

Coverage
Limits
Bodily injury liability per person$20,000
Bodily injury liability per crash$40,000
Property damage liability$15,000

Methodology

We collected motorcycle insurance quotes from five major motorcycle insurance companies that operate in Iowa: Allstate, Dairyland, Geico, Nationwide and Progressive. Our sample rider was a 45-year-old man who rides a 2021 Harley-Davidson Street Glide. The coverage limits we used, which surpass the state minimums, are:

  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000
  • Collision: Included/$500 deductible
  • Comprehensive: Included/$500 deductible
  • All other coverages: Not included unless legally required

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.