Find Cheaper Iowa Car Insurance Rates in 2024

Projected insurance rates in Iowa for 2024 are $950 a year for full coverage insurance. Comprehensive, collision, and liability cost approximately $212, $386, and $246, respectively. Council Bluffs and Sioux City have more expensive car insurance rates, and the two companies who insure the most vehicles in Iowa are State Farm and Progressive.

Average rate for full coverage: $950

Premium estimates by type of coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Cost of Auto Insurance in Iowa

These price differences illustrate why everyone should compare prices using their specific location, instead of depending on rates averaged for all U.S. states.

Use the form below to get accurate rates for your location.

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The chart estimates Iowa auto insurance prices for different risks and coverage choices. The cheapest discount price is $545. Drivers choosing higher $1,000 deductibles will pay $814. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $950. Selecting more expensive $100 deductibles for physical damage coverage could cost up to $1,214. If you have multiple accidents and violations you could be charged around $2,054. The rate for full coverage insurance for a teenager can be as high as $3,494.

Insurance prices in Iowa also range considerably based on your vehicle choice, your age and driving record, and physical damage deductibles and liability limits.

Opting for high physical damage deductibles could cut prices by as much as $400 annually, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise prices by up to $222 more each year. View Rates by Deductible or Liability Limit

The city you live in has a huge impact on auto insurance prices. Less congested rural areas could see prices as low as $700 a year, whereas some neighorhoods in Council Bluffs and Sioux City may have prices as high as $1,300. Even different neighborhoods with close proximity in the same city can have significantly different rates.

These geographic rate differences demonstrate the significance of getting rates for your specific Iowa zip code.

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The make and model of vehicle you drive is a large factor when calculating the price of auto insurance coverage in Iowa. Buying a cheaper and safer model will be cheaper to insure primarily due to cheaper repair costs and lower severity of accident injuries.

This table shows car insurance premium estimates for the most popular vehicles in Iowa.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,100 to $1,500 additional every year, depending on your age. Insurance for high-risk drivers can be from 43% to 129% more than the average rate. View High Risk Driver Rates

Your auto insurance company affects the cost of coverage. Each company has their own rate formula, and prices have large differences based upon different risk factors. In Iowa, car insurance prices range from $676 with USAA to as much as $2,126 with Safeco. Companies like Partners Mutual, Western National, and Allied fall somewhere in between.

These are probably not the prices you would have to pay, as your Iowa zip code, your driving history, and your vehicle make and model have to be considered.

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Prices are highest for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,400 a year. View Rates by Age

Because prices have so much variability, the only way to figure out which insurance company is cheapest is to regularly compare prices from multiple companies. Each insurance company utilizes a different rate formula, and rates will be varied.