Who Has The Cheapest Motorcycle Insurance Quotes In Iowa?

Iowa is part of the Midwest region of the U.S. and is bordered by the Mississippi, Missouri and Big Sioux Rivers. The state’s once agricultural economy has diversified in recent years and now includes advanced manufacturing among others. We gathered quotes from four major carriers for a 45-year-old male rider to see where the best motorcycle insurance rates were. Our study showed the most expensive company for our sample policy of $100,000/$300,000 bodily injury protection was 3.3x the cost at the cheapest insurer in Iowa. 

Cheapest Motorcycle Insurance In Iowa

Our study using a sample policy and motorcycle rider in Iowa found GEICO had the best motorcycle insurance quotes, with an average of $141 across Iowa cities, across four major carriers.  We consider GEICO to be among the best motorcycle insurance companies.

A study by ValuePenguin found GEICO had the best motorcycle insurance quotes in Iowa for a sample policy and rider.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Nationwide's average motorcycle insurance rate for our sample policy and rider was $196, much lower than the Iowa average. Progressive and Dairyland both had quotes that were much more expensive than the state average, at $475 and $478, respectively, for the bike and owner we analyzed. Dairyland's motorcycle insurance quotes were more than 3x the cost of GEICO's. In comparison to other states, the average cost of motorcycle insurance in Iowa is low.

Best Motorcycle Insurance Rates In Iowa: By City

The five places in Iowa with the best motorcycle insurance rates were primarily located in the northern half of the state. The place with the most affordable rates was Spencer, where premiums were 14.5% lower than the state average.

RankCityAverage Annual Rate% Difference vs State Average
1 Spencer $276 -14.5%
2 Carroll 276 -14.5%
3 Storm Lake 278 -13.9%
4 Oskaloosa 282 -12.8%
5 Boone 289 -10.5%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Spencer, IA

Spencer sits at the confluence of the Little Sioux and Ocheyedan Rivers. Popular for being the home of the largest county fair in Iowa and the largest agricultural exposition in North America, Spencer is also home to over 11,000 residents and the world-renowned library cat, Dewey Readmore Books. The motorcycle insurance rate is 14.5% lower than state average. 

Carroll, IA

Located along the Middle Raccoon River, Carroll makes it in our list of places where motorcycle insurance is most affordable. A more than 50-year-old clock tower bell on display at the city’s courthouse is one of the community’s most noted attractions. Carroll’s 10,000 residents take pride in the local history, including the bell. Motorcycle insurance rates In Carroll were also 14.5% lower than the state average.

Storm Lake, IA

Storm Lake is part of Buena Vista County in northwestern Iowa near its namesake body of water. The city’s school district is known throughout the state for its excellence in music, speech, and the National History Day competition. Insurance there is affordable, too. Motorcycle insurance rates in Storm Lake were 13.9% below the state average.

Oskaloosa, IA

Oskaloosa is the seat of Mahaska County in southwest. With less than 12,000 residents, the city is known for hosting the annual Southern Iowa Fair, the largest traditional county fair in the State. Oskaloosa is also has some of the best motorcycle insurance rates in Iowa. Quotes for our sample policy were 12.8% lower than the state average.

Boone, IA

Boone is a city near the center of the state of Iowa. It is in Des Moines Township and is the seat of Boone County. Its annual festival, Pufferbilly Days, celebrates the region’s railroad history and is attended by more than 30,000 people. The city itself has little more than 12,000 residents. Motorcycle insurance rates in Boone were 10.5% less than the state average.

Most Expensive Motorcycle Insurance In Iowa

The five places with the most expensive motorcycle insurance in Iowa were all large cities in the state – a pattern we’ve seen in other states, as well. The place with the most expensive motorcycle insurance rates was Iowa City, where premiums quoted were 17.6% higher than the state average.

RankCityAverage Annual Rate% Difference vs State Average
1 Iowa City $380 17.6%
2 Dubuque 356 10.3%
3 Sioux City 355 9.8%
4 Des Moines 354 9.5%
5 Cedar Rapids 353 9.4%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Iowa City, IA

Iowa City was the the first capital city of Iowa, before Des Moines. It is dubbed the only UNESCO City of Literature in North America and named the Second Best Small Metropolitan Area for Doing Business in the U.S. Iowa City is home to 70,000 residents. Motorcycle insurance rates there were 17.6% higher than the state average. 

Dubuque, IA

At the junction of the Tri-State Area, is the city of Dubuque. It has more than 60,000 residents and is a commercial, industrial, educational, and cultural center for Iowa, Illinois and Wisconsin. Its economy ranked the 22nd fastest-growing in the nation but it has some of the most expensive motorcycle insurance rates. Quotes for our sample policy were 10.3% more than the state average. 

Sioux City, IA

Sioux City is in both Woodbury and Plymouth counties in western Iowa. Its 83,000 residents take pride in the numerous awards the city has won – it is in the Top 15 Best Small Places for Business and Careers, #4 Top Metro Area in the Midwest Region and the #2 Most Livable Bargain Market. Nicknamed “Little Chicago,” Sioux City has motorcycle insurance rates that were 9.8% higher than the state average.

Des Moines, IA

Des Moines is the capital and most populous city of Iowa, with more than 206,000 residents. It is close to the center of the state and spans Polk, Warren and Dallas Counties. Des Moines is a major center of the U.S. insurance industry – credited as the #1 Spot for Insurance Companies, and the 3rd Largest Insurance Capital of the World. Motorcycle insurance rates in Des Moines are some of the most expensive in the state though. Premiums for our sample policy were 9.5% higher than the state average. 

Cedar Rapids, IA 

Situated in east Iowa, Cedar Rapids sits in the middle of the Linn, Benton, and Johnson counties. It is the second largest city in the State with over 128,000 residents. As one of the world’s largest corn processing cities, Cedar Rapids has made the grain processing industry its most important economic sector. Motorcycle insurance rates in Cedar Rapids were 9.4% higher than the state average. 

Average Motorcycle Insurance Rates In Iowa: By City

This comparative study of motorcycle insurance premiums in Iowa was done by gathering and analyzing quotes from five major carriers across 31 cities. Our analysis showed premiums quoted for the most expensive place were 37.7% higher than the cheapest.

ValuePenguin found the average cost of motorcycle insurance in Iowa for a sample policy and rider was $323.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 31 municipalities and census-designated places in the state of Iowa. The quotes we gathered were from four major carriers: Progressive, Nationwide, GEICO and Dairyland. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500.

The motorcycle used when gather quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

RankCityAverage Annual Rate% Difference vs State Average
23 Altoona $338 4.7%
9 Ames 299 -7.5%
25 Bettendorf 344 6.4%
5 Boone 289 -10.5%
19 Burlington 334 3.3%
2 Carroll 276 -14.5%
22 Cedar Falls 337 4.4%
27 Cedar Rapids 353 9.4%
20 Clinton 337 4.3%
21 Council Bluffs 337 4.4%
24 Davenport 344 6.4%
28 Des Moines 354 9.5%
30 Dubuque 356 10.3%
10 Fort Dodge 302 -6.6%
16 Fort Madison 330 2.1%
12 Indianola 324 0.4%
Iowa Average 323 0.0%
31 Iowa City 380 17.6%
17 Keokuk 330 2.1%
13 Marion 325 0.8%
8 Marshalltown 295 -8.8%
11 Mason 310 -4.1%
18 Muscatine 330 2.2%
7 Newton 291 -9.9%
14 North Liberty 328 1.5%
4 Oskaloosa 282 -12.8%
15 Ottumwa 328 1.7%
6 Pella 289 -10.5%
29 Sioux City 355 9.8%
1 Spencer 276 -14.5%
3 Storm Lake 278 -13.9%
26 Waterloo 352 8.9%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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