Best & Cheapest Car Insurance Iowa has to offer as Rated by Customers in 2021

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#1
/51
USAA
4.73 ★★★★★
4.73 ★★★★★
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Excellent
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#2
/51
4.56 ★★★★★
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#3
/51
4.23 ★★★★★
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Your car insurance company is an important part of your life, especially in the event of a car accident. It could determine how quickly your car gets repaired or replaced and if you have to deal with medical hassles. Essentially, it determines how long it will take you to move on with your life after an auto accident.

The law in most states sets minimum coverage amounts to protect others and minimize liability. In other words, you have to prove you can cover the other party's damages up to a point if you're at fault to get on the road. If you have an older car, it might make sense to stick to the minimum coverage with personal injury protection. If you have a financed car, they may require you to get more extensive coverage to cover their risk. These are just a couple of the factors that go into choosing a policy that's right for you.

When choosing an Iowa car insurance company for the cheapest auto insurance, you want to make sure you're picking the right one with the best coverage and customer service. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Iowa. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Iowa car insurance companies.

In the table above, you can sort through all the Iowa car insurance companies ranked on Clearsurance. The rating next to each company the insurer's Clearsurance score is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Iowa car insurance rankings.

Interested in learning more about one of these Iowa car insurance companies? You can visit the company's profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Where can you find cheap car insurance rates in Iowa?

If you're just looking at cheaper premiums for state minimum coverage with collision, etc., online calculators can give you a basic idea of what to expect. Teen drivers are naturally inexperienced drivers, which is why parents inevitably pay more. Out of the five largest car insurance companies in Iowa, Farm Bureau offers the best car insurance rates for teens in Iowa. In the table below, you can find average Iowa teen car insurance rates for male and female drivers.

This doesn't mean a teen cannot be a safe driver. Many auto insurance companies now offer discounts for licensed drivers in high school who can demonstrate more responsible behavior that make the cost of auto insurance more reasonable. Affordable rates are not out of reach even for teens.

Company Female teen ratesMale teen rates
American Family Insurance $846 $885
Farm Bureau Property & Casualty Insurance Company (FBPCIC) $610 $585
Nationwide $1,197 $1,497
Progressive $819 $900
State Farm Insurance Company $694 $817

These rates are based on profiles for 18-year-old male and female drivers in Iowa. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Iowa will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest car insurance rates for a married couple in Iowa?

What about the average prices for married couples? Many fare better because they're more likely to have a clean record and a house or other investments leading to bundled insurance policies. In short, if you own a boat, motorcycle, and house, you can get a policy for each with the same insurer and save money.

American Family Insurance offers the cheapest car insurance rates in Iowa for married couples on average. The table below displays average Iowa car insurance rates for a married couple with two cars on a policy from the five largest companies in the state.

Company Married couple rates
American Family Insurance $1,261
Farm Bureau Property & Casualty Insurance Company (FBPCIC) $1,462
Nationwide $1,287
Progressive $1,491
State Farm Insurance Company $1,423

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Iowa will differ. Rate data is provided by Quadrant Information Services.

How can seniors save on cheap car insurance in Iowa?

Seniors typically have longer driving records. If you also have a clean driving record, it could be easier to find coverage. Progressive, for both female and male seniors in Iowa, offers the cheapest car insurance rates on average. Below you can see average Iowa car insurance rates for male and female senior drivers for the five largest companies in the state.

Company Female senior ratesMale senior rates
American Family Insurance $798 $800
Farm Bureau Property & Casualty Insurance Company (FBPCIC) $867 $752
Nationwide $654 $748
Progressive $645 $655
State Farm Insurance Company $660 $660

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Iowa will differ. Rate data is provided by Quadrant Information Services.

How does ZIP code affect drivers in Iowa?

There are many factors that affect your car insurance rates. While the state you live in contributes to your cost of car insurance, the area you live in within the state also matters. Different cities and zip codes within the same city can increase or decrease your rates. Depending on the auto insurance company, living on a busy street compared to a more residential street could also change your rates.

The cheapest area in Iowa for car insurance on average is the city of Ames. In the table below, you can see the top 10 cheapest areas in Iowa for car insurance based on average rates for a single adult.

Area Car insurance rates
Ames $865
Iowa City $875
Coralville $878
Gilbert $884
Grimes $890
Ankeny $893
Roland $895
Clear Lake $898
Story City $900
Marion $900

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Iowa will differ. Rate data is provided by Quadrant Information Services.

What are the 10 most expensive areas in Iowa for car insurance?

Your car insurance rates vary based on a number of factors. Since crime rate and accident frequency differs by area in Iowa, rates will vary from city to city. The Carter Lake area is the most expensive areas for car insurance in Iowa. The table below displays the top 10 most expensive areas in Iowa for car insurance based on average rates for a single adult.

Area Car insurance rates
Carter Lake $1,138
Council Bluffs $1,134
Pacific Junction $1,126
Glenwood $1,118
Malvern $1,110
Emerson $1,109
Silver City $1,108
Villisca $1,108
Elliot $1,107
Thurman $1,107

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Iowa will differ. Rate data is provided by Quadrant Information Services.

What liability limits are required in Iowa?

Like many other states, Iowa drivers are required to obtain two types of insurance coverage: bodily injury and property damage liability coverage. The state has minimum limits as listed below, but it's important to consider purchasing higher limits to ensure that you have sufficient coverage in the event of a costly accident. Liability coverage is designed to protect you from most lawsuits by covering the damages of the other party if you're responsible for an accident.

Minimum coverage does not provide coverage for your vehicle if you are at fault in an accident, or if your vehicle suffers non-accident related damage. That's why it may be wise to purchase optional coverages, such as collision insurance and comprehensive insurance, for additional protection.

Iowa state minimum requirements:

Liability:

  • Bodily injury — $20,000 per person
  • Bodily injury — $40,000 per accident
  • Property damage — $15,000 per accident

Bodily injury liability insurance provides coverage for injuries sustained by the other vehicle's driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability insurance provides coverage in the event you damage someone else's property in a car accident, most commonly the other vehicle, but also things like a home or fence.

What is Iowa’s percentage of uninsured drivers?

Another optional coverage is uninsured/underinsured motorist coverage. This coverage protects you from drivers without insurance or without enough insurance, and hit-and-run drivers.

It’s worth noting that 8.7 percent of Iowa drivers do not have auto insurance, according to 2015 data from the Insurance Information Institute.

What other types of coverage do you need in Georgia?

Once you've purchased the minimum coverage required by law, it is up to you to determine how much auto insurance coverage you need. Many people choose to purchase collision coverage, which pays for the policyholder's damages after at-fault accidents. Collision usually goes hand in hand with comprehensive coverage, which pays for damages from events other than collisions, like a falling tree limb, natural disasters, or vandalism.

Personal injury protection and medical payments coverage are two options that pay for medical costs related to an accident.

Rental car reimbursement coverage pays you back for the cost of your rental car while your own vehicle is in the shop.

GAP insurance, also called loan/lease payoff coverage, pays for the remainder of your loan if your car is totaled while you're still paying it off.

Accident forgiveness is a type of optional coverage that allows you to be involved in one accident without your auto insurer raising your rates.

How are auto insurance rates calculated in Iowa?

When searching and comparing auto insurance quotes from the best auto insurance companies in Iowa, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that used when providing you insurance company quotes, there are many factors that do contribute to the price you pay for your insurance. Among the factors that auto insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstandings for many is the idea that insurance rates are based solely on your driving history and coverage amounts. While this is a major factor, insurance companies also consider things like how long you've been with the company, what you drive, and other risk factors.

Insurance companies also look at where you live when determining your liability and collision coverage for an average cost in your area. The part of town you live in can increase your risk due to crime, traffic, etc. For example, if you have an intersection near your house without a light, it's not within your control to change that, but it could still increase your rates because of the increase in accidents.

Nevertheless, drivers with a clean driving record and excellent credit score will generally see the most affordable car insurance rates. If you have poor credit or a driving history full of traffic violations, ask your insurance provider about auto insurance discounts.

How can you save money on your car insurance in Iowa?

The best way to get an auto insurance rate is by getting multiple quotes. Whether y9ou're buying for the first time or looking to switch companies, different companies have different algorithms. You'll only know what's available if you have quotes from a few companies.

Make sure you're comparing like policies. In other words, if you have car rental coverage on one, make sure others have it as well. If your bodily injury is 20/40, don't compare it to a policy with 50/100 auto insurance coverage and expect the rates to be the same.

You should always make sure you have reliable coverage as a base. If your main concern is your annual premium, you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies, like homeowners insurance
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates
  • Ask about auto insurance discounts

A usage-based insurance program uses an app or telematics device to monitor your driving habits, and you are rewarding with a discount for safe driving.

Make sure to get quotes from multiple auto insurance providers before you buy an auto policy if you're looking for affordable rates.

How does Clearsurance rate and rank the best car insurance companies in Iowa?

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

What do you need to know about buying car insurance?

Whether you're buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.

Frequently Asked Questions

#1 – What is the cheapest car insurance provider for teens in Iowa?

Out of the five largest car insurance companies in Iowa, Farm Bureau offers the cheapest average car insurance rates for teen drivers in Iowa. If applicable, make sure to ask about the good student discount to reduce the cost of insurance for your teen.

#2 – Who offers the cheapest car insurance rates for a married couple in Iowa?

American Family Insurance offers the cheapest car insurance rates in Iowa for married couples on average.

#3 – What is the cheapest car insurance company for senior citizens in Iowa?

Progressive, for both female and male seniors in Iowa, offers the cheapest car insurance rates on average.

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