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The Best Iowa Auto Insurance Companies

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    Iowa drivers enjoy some of the lowest auto insurance rates in the nation. Thanks to the state’s moderate weather and low rate of uninsured drivers, it’s not hard to find affordable coverage. When looking for the best car insurance in Iowa, we considered affordability, customer support, coverage options, customer satisfaction, and online resources. Whatever you’re looking for in a car insurance company, Iowa drivers are sure to find the right one.

    The 5 Best Auto Insurance Companies in Iowa

    • Geico: Best for low annual rates
    • Auto-Owners: Best for customer satisfaction
    • Farmers: Best for coverage options
    • American Family: Best for discounts
    • USAA: Best for military families

    Compare the Best Car Insurance Companies in Iowa

    Average Price for State Minimum* Average Price for Full Coverage* Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. J.D. Power Overall Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality.
    Pin Geico$320.19$1,434.224.6A++845
    Pin Auto-Owners$333.81$1,743.964.2A++845
    Pin Farmers$335.88$1,545.974.8A848
    Pin American Family$597.70$1,386.414.6A839
    Pin USAA$340.00$1,627.854.8A++897

    Information accurate as of July 2021

    * Data provided by Coverage.com

    J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Central region. Based on a 1,000-point scale.

    Geico

    Geico

    Best for low annual rates

    Why we chose it

    Geico offers the lowest annual rates for Iowa drivers with some of the highest-rated customer satisfaction scores.
    • 4.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $320.19* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 845** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico offers the lowest annual rates for Iowa drivers with some of the highest-rated customer satisfaction scores.

    Pros

    • Low annual premiums
    • High customer satisfaction
    • Excellent digital tools

    Cons

    • No gap coverage
    • Few local agents
    Read More

    Types of Coverage Offered

    • Liability
    • Medical
    • Uninsured & underinsured motorist
    • Collision
    • Comprehensive
    • Emergency road service
    • Rental reimbursement
    • Mechanical breakdown

    Discounts Available

    • Vehicle safety features
    • Good driver
    • Seat belt use
    • Defensive driving
    • Driver’s education course
    • Good student
    • Emergency deployment
    • Federal employee
    • Membership & employee
    • Military
    • Multi-vehicle
    • Multi-policy

    More Geico Insurance Reviews

    Auto-Owners

    Auto-Owners Insurance

    Best for customer satisfaction

    Why we chose it

    Auto-Owners has the highest-rated customer satisfaction and affordable rates.
    • 4.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $333.81* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 845** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Auto-Owners has the highest-rated customer satisfaction and affordable rates.

    Pros

    • Top-rated customer satisfaction
    • Low annual premiums
    • Many coverage options

    Cons

    • No online quotes
    • Few digital tools and services
    Read More

    Types of Coverage Offered

    • Collision
    • Comprehensive
    • Liability
    • Medical payments
    • Personal injury protection
    • Uninsured & underinsured motorist
    • Road trouble service
    • Additional expense
    • Loan gap/lease gaps
    • Diminished value
    • Personal automobile plus
    • Common loss deductible
    • Rental cars

    Discounts Available

    • Multi-policy
    • Payment history
    • Green discount
    • Multi-car
    • Deductibles
    • Student discounts
    • Life multi-policy
    • Paid-in-full
    • Advance quote
    • Safety features
    • Favorable loss

    More Auto-Owners Insurance Reviews

    Farmers

    Farmers Insurance

    Best for coverage options

    Why we chose it

    Farmers offers the most comprehensive list of coverages with unique options such as rideshare coverage and customized equipment coverage.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $335.88* Average Premium Pricing data comes from our partners at Coverage.com.
    • A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 848** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Farmers offers the most comprehensive list of coverages with unique options such as rideshare coverage and customized equipment coverage.

    Pros

    • Many coverage options
    • Lots of discounts available
    • Low annual premiums

    Cons

    • Below-average customer satisfaction
    • Limited availability
    Read More

    Types of Coverage Offered

    • Liability
    • Collision
    • Comprehensive
    • Uninsured & underinsured motorist
    • Medical payments
    • Personal injury protection
    • Towing & roadside service
    • Rental reimbursement
    • Rideshare
    • Loss of use
    • Guaranteed value
    • Customized equipment
    • Personal umbrella
    • Glass deductible buyback
    • Full windshield and glass coverage
    • Spare parts coverage
    • Original equipment manufacturer
    • New car replacement
    • Accident forgiveness

    Discounts Available

    • Multi-line
    • Multi-car
    • Affinity member
    • Paperless billing
    • Good payer
    • Safe driver
    • Young driver discounts
    • Shared family car
    • Mature driver
    • Homeowner
    • Autopay
    • Paid in full
    • Vehicle safety features

    More Farmers Insurance Reviews

    American Family

    American Family

    Best for discounts

    Why we chose it

    American Family’s rates are on the higher end, but the company offers more discounts than any of its competitors.
    • 4.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $597.70* Average Premium Pricing data comes from our partners at Coverage.com.
    • A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 839** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    American Family’s rates are on the higher end, but the company offers more discounts than any of its competitors.

    Pros

    • Many discounts available
    • Lots of coverage options
    • Many options for young drivers

    Cons

    • High annual premiums
    • Below-average customer satisfaction
    • Only available in 19 states
    Read More

    Types of Coverage Offered

    • Collision
    • Comprehensive
    • Liability
    • Medical expense
    • Personal injury protection
    • Gap coverage
    • Uninsured & underinsured motorist
    • Rental reimbursement
    • Emergency road service
    • Accidental death & dismemberment

    Discounts Available

    • Multi-vehicle
    • Loyalty
    • Early bird
    • Multi-product
    • Steer into savings
    • Auto safety equipment
    • Defensive driver
    • Good driving
    • Low mileage
    • KnowYourDrive
    • Good student
    • Teen safe driver
    • Away at school
    • Young volunteer
    • Generational
    • Auto-pay
    • Customer full pay
    • Paperless billing

    More American Family Insurance Reviews

    USAA

    USAA

    Best for military families

    Why we chose it

    USAA offers top-rated and affordable auto insurance for military members and their families.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $340* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 897** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA offers top-rated and affordable auto insurance for military members and their families.

    Pros

    • Low annual premiums
    • Top-rated customer satisfaction
    • Perks for military families

    Cons

    • Only available to current and former military members and their families
    Read More

    Types of Coverage Offered

    • Comprehensive
    • Collision
    • Liability
    • Uninsured & underinsured driver
    • Personal injury protection
    • Roadside assistance
    • Rental reimbursement
    • Accident forgiveness
    • Car replacement

    Discounts Available

    • Safe driver
    • Defensive driving
    • Driver training
    • Good student
    • New vehicle
    • Multi-vehicle
    • Annual mileage
    • Vehicle storage
    • Family discount
    • Length of membership
    • Military installation
    • No payment plan fees

    More USAA Insurance Reviews

     * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2021 U.S. Auto Insurance Study rating for the Central region. Based on a 1,000-point scale.

    The Average Cost of Car Insurance in Iowa

    Iowa is one of the cheapest states in the nation for auto insurance, partially due to the state’s limited weather risks and low rate of uninsured drivers. Iowa drivers can pay as little as $274 for the state’s minimum liability insurance, while full coverage policies cost around $1,122. Rates can vary from one company to the next. Your driving record, age, vehicle, and credit score all help to determine your car insurance rates.

    Top 3 Cheapest Car Insurance Companies in Iowa

    CompanyAverage Annual Premium
    Geico$320.19
    Auto-Owners$333.81
    Farmers$335.88

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Iowa

    CompanyAverage Annual Premium
    American Family$597.70
    Allstate$559.47
    Farm Bureau$464.82

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Iowa 

    CityAverage Annual Premium*
    Decorah$345.33
    Independence$353.29
    Carroll$355.43

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Iowa 

    CityAverage Annual Premium*
    Council Bluffs$510.84
    Davenport$493.14
    Des Moines$491.13

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Guide to Iowa Car Insurance 

    Like most states, Iowa requires drivers to carry liability insurance to cover damages if they are at fault for an accident. Failure to comply with the state’s insurance laws can result in a one-year suspension of your driver’s license and vehicle license plates.

    Iowa Minimum Insurance Requirements

    Iowa law requires drivers to carry both bodily injury and property damage liability insurance. 

    Minimum liability required in the state of Iowa is divided as follows:

    • $20,000 for bodily injury or death to one person
    • $40,000 for bodily injury or death to multiple persons
    • $15,000 for property damage in an accident

    Iowa’s At-Fault Law

    Under the Iowa Motor Vehicle Financial and Safety Responsibility Act, drivers who are found to be at-fault for an accident must cover any financial responsibilities that result from it. The state’s minimum liability insurance requirements are designed to ensure all drivers will be able to cover their liabilities.

    Car Insurance Add-Ons That Will Further Protect You 

    • Gap coverage: If you total your car in an accident, you may end up in a situation where your car isn’t worth as much as you owe on your auto loan. With gap coverage, your insurance carrier covers the difference.
    • Roadside assistance: If you find yourself stranded somewhere, your insurer’s roadside assistance service can send someone for towing service, battery jump, tire change, and more.
    • New car replacement: If you have a new car and are in an accident, your new car replacement coverage will ensure you can replace your vehicle with another new one.
    • Rideshare coverage: Not many insurance companies offer this coverage yet, but the number is growing. It protects you while you’re driving other people in your car through a rideshare service.

    Iowa Car Insurance FAQ 

    What is the minimum car insurance required in Iowa?

    Iowa drivers must carry both bodily injury and property damage liability insurance in the following amounts: $20,000 for one person, $40,000 for multiple persons, and $15,000 for property.

    What is the average auto insurance cost in Iowa?

    Iowa drivers pay as little as $274 on average for the state’s minimum liability insurance and around $1,122 for a full coverage policy.

    What is the cheapest car insurance company in Iowa?

    Geico offers the cheapest car insurance premiums for Iowa drivers at $320 on average per year, with Auto-Owners and Farmers not far behind.

    Methodology

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Iowa, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in Iowa, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Erin Gobler is an insurance writer for Reviews.com. Over the past three years, she has covered personal finance topics such as insurance, banking, mortgages, and more. Her work has been featured in sites such as The Simple Dollar, Bankrate, and Coverage.com. She holds a bachelor’s degree in Journalism from the University of Wisconsin-Oskosh. Erin’s favorite Reviews.com article is the State Farm Renters Insurance Review.

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