Best Car Insurance in Iowa for 2025 [Find the Top 10 Companies Here]
State Farm, Geico, and Progressive offer the best car Insurance in Iowa, with rates starting at $16/month. State Farm stands out for its wide availability and attractive bundling discounts, while Geico and Progressive offer a great selection of Iowa auto insurance discounts.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
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UPDATED: Mar 13, 2025
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19,116 reviewsCompany Facts
Full Coverage in Iowa
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
13,283 reviewsCompany Facts
Full Coverage in Iowa
A.M. Best Rating
Complaint Level
Pros & Cons
13,283 reviewsState Farm, Geico, and Progressive are the top providers offering the best car insurance in Iowa and stand out with competitive rates and flexible coverage.
State Farm has affordable monthly rates starting at $16, which makes it an excellent choice for drivers throughout the state. Whether you’re looking for the lowest rates, great bundling discounts, or customizable coverage, these companies are the leaders in Iowa’s insurance market.
Our Top 10 Company Picks: Best Car Insurance in Iowa
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Wide Availability | State Farm |
 | #2 | 25% | A++ | Affordable Rates | Geico |
 | #3 | 10% | A+ | Flexible Options | Progressive |
 | #4 | 25% | A | Customer Loyalty | American Family |
 | #5 | 10% | A++ | Military Families | USAA |
 | #6 | 20% | A+ | Personalized Coverage | Nationwide |
 | #7 | 25% | A+ | Digital Tools | Allstate |
 | #8 | 20% | A | Claims Support | Farmers |
 | #9 | 17% | B | Rural Coverage | Farm Bureau |
 | #10 | 13% | A++ | Comprehensive Plans | Travelers |
For more tips and insights on finding the right coverage, check out how car insurance works and compare quotes today to get the best deal. Ready to find affordable car insurance? Use our free comparison tool to get started.
- State Farm offers the best car insurance in Iowa at $16 monthly
- Geico also has competitive rates and a 25% bundling discount
- Progressive offers flexible coverage options for Iowa drivers
#1 – State Farm: Top Overall Pick
Pros
- Wide Accessibility: Our State Farm car insurance review highlights its broad coverage, which makes it available to both urban and rural drivers across Iowa.
- Attractive Bundling Discount: Drivers can enjoy a 17% discount when bundling their car insurance in Iowa with other policies, helping lower overall costs.
- Strong Financial Security: State Farm provides a B rating from A.M. Best, which means strong financial security and, hence, causes comfort for Iowa drivers.
Cons
- Limited Customization: Car insurance from State Farm may not have coverage for special needs in Iowa.
- Higher Rate for Young Drivers: It is a little expensive among young and amateur drivers, which makes it less affordable option in Iowa.
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#2 – Geico: Best for Affordable Rates
Pros
- Cost-Effective Coverage: Our Geico car insurance review demonstrates how this provider offers competitive prices, making it one of the cheapest Iowa auto insurance providers.
- Policy Bundle Savings: Bundle your auto with other insurance policies to save up to 25%.
- Financial Reliability: The A++ rating from A.M. Best puts Geico among the most reliable providers for Iowa drivers.
Cons
- Limited Physical Locations: With fewer local offices in Iowa, Geico may not be as accessible for drivers who prefer in-person service.
- Impersonal Customer Experience: Geico’s digital-first model could feel less personal for Iowa auto insurance customers who favor more hands-on, tailored support.
#3 – Progressive: Best for Flexible Options
Pros
- Flexible Options: Progressive tailors its coverage to meet unique driving needs which can be an excellent fit for many Iowa motorists.
- Bundling Benefits: Drivers can secure a 10% discount by combining policies, as mentioned in our Progressive car insurance review.
- Financial Strength Rate: Progressive holds an A+ rating with A.M. Best, so the coverage is sure to be reliable, making it great for those seeking solid protection.
Cons
- Higher Starting Premiums: Premiums are sometimes higher with Progressive, sometimes above the average price of car insurance in Iowa for certain drivers.
- Limited Rewards: The safe driver discounts are not as comprehensive as those offered by other companies, which could be a drawback for cautious motorists.
#4 – American Family: Best for Customer Loyalty
Pros
- Customer Loyalty Benefits: The American Family provides loyal customers with competitive rates and customized coverage.
- Savings Through Bundling: Get a 25% discount when you bundle your auto insurance policy with other types of policies.
- Proven Financial Strength: American Family boasts an A rating from A.M. Best, providing reliable protection for Iowa drivers.
Cons
- Limited Availability: Coverage options may not be available in some rural areas of Iowa, limiting access to many drivers, as highlighted in our American Family car insurance review.
- More Expensive for Risky Drivers: Those with a history of accidents may face higher premiums on their auto insurance plans.
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#5 – USAA: Best for Military Families
Pros
- Military Family Focus: USAA offers affordable and tailored coverage options specifically designed for military families in Iowa. Read more in our USAA car insurance review.
- A++ Rating: Boasting the highest A.M. Best rating, USAA guarantees financial security and dependable claims service.
- Discount for Bundling: Military Iowa families are provided 10% off as a package, which is ideal for those managing numerous plans in return.
Cons
- Restricted Eligibility: Iowa car insurance rates are only available to military families, meaning non-military Iowa residents are excluded from coverage.
- Limited In-Person Support: USAA’s physical presence is limited in Iowa, with most support provided through online and phone services, which may not be ideal for everyone.
#6 – Nationwide: Best for Personalized Coverage
Pros
- Tailored Coverage Options: Our Nationwide car insurance review highlights the flexibility for Iowa drivers to customize coverage based on their needs.
- Savings Through Bundling: Get a 20% discount when bundling auto insurance with other policies, offering a cost-effective option for those seeking cheap car insurance in Iowa.
- Financial Condition and Security: Nationwide is rated as A+. So, whenever someone is covering their vehicle on the roads in Iowa, they can feel secure.
Cons
- Premiums Rates for Young Insurers: Young drivers will usually pay more significant amounts of dollars per month, which could be a drawback for those searching for cheap car insurance in Iowa.
- Limited Safe Driver Incentives: Nationwide offers fewer discounts for safe drivers than other insurers, which may not appeal to those who prioritize these rewards.
#7 – Allstate: Best for Digital Tools
Pros
- Convenient Digital Tools: Allstate features digital tools that will assist you in easily accessing and managing policies, filing a claim, or updating information.
- Attractive Bundling Discount: You can get a 25% discount on auto insurance by bundling other insurance products with car insurance in Iowa.
- A+ Financial Stability: Its A+ rating with A.M. Best provides financial support and solid coverage.
Cons
- Higher Coverage Costs: Comprehensive and collision coverage can be more expensive, which might be a downside for some drivers, according to our Allstate car insurance review.
- Limited Office Locations: With fewer in-person offices in Iowa, some drivers may find it inconvenient when they need face-to-face assistance.
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#8 – Farmers: Best for Claims Support
#9 – Farm Bureau: Best for Rural Coverage
Pros
- Focused Rural Protection: According to our Farm Bureau car insurance review, the company is actually built specifically for Iowa drivers in rural areas.
- Discount for Bundling: Only 17% off for bundling all policies together, a much less attractive feature.
- Solid Financial Backing: With a B rating from A.M. Best, Farm Bureau provides a dependable option for those seeking a trustworthy insurer.
Cons
- Urban Coverage Gaps: Coverage options may be limited in urban areas. Car insurance quotes in Iowa differ by location.
- Higher Premiums for Young Drivers: Rates tend to be steeper for younger, less experienced drivers compared to some competitors.
#10 – Travelers: Best for Comprehensive Plans
Pros
- Comprehensive Coverage Options: Our Travelers car insurance review says that the company offers broad coverage options like comprehensive and collision.
- Savings Through Bundling: Bundling auto insurance with other policies results in a 13% discount on their Iowa auto insurance quotes.
- Strong Financial Stability: Has an A ++ rating, which shows financial strength while providing reliable support.
Cons
- Limited Discount Opportunities: Travelers provides limited discounts on Iowa car insurance for safe or low-mileage drivers compared to other companies.
- Higher Costs for High-Risk Drivers: Drivers with accidents or violations may pay more than Travelers to ensure their cars are protected, thus not favoring high-risk drivers.
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Car Insurance Coverage and Rates in Iowa
Iowa Car Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $31 | $126 |
| $24 | $95 |
| $55 | $191 |
| $20 | $82 |
| $20 | $81 |
| $19 | $73 |
| $18 | $75 |
| $16 | $65 |
| $23 | $92 |
| $13 | $55 |
Monthly premiums range between $16 for minimum coverage through State Farm to $191 for full coverage through Farm Bureau. Providers like Allstate, American Family, and Farmers offer flexibility, while USAA is ideal for military families.
Farm Bureau suits rural drivers, and Travelers offers comprehensive coverage for various needs. Rideshare insurance coverage can also fill gaps in standard policies, requiring an endorsement or separate policy.
Driving in Iowa
The most common auto insurance claims in Iowa are rear-end collisions, accounting for 30%, followed by fender benders at 25%, and single-vehicle accidents at 20%. Side-impact collisions and theft claims make up 15% and 10%, respectively.
5 Most Common Auto Insurance Claims in Iowa
| Claim Type | Percentage of Claims |
|---|---|
| Rear-End Collision | 30% |
| Fender Bender | 25% |
| Single Vehicle Accident | 20% |
| Side-Impact Collision | 15% |
| Theft Claim | 10% |
Drivers should understand these claim types to know their risks. Filing a car insurance claim after an accident ensures you’re covered if these incidents occur.
Des Moines has the highest number of accidents, with 12,500 per year. Cedar Rapids follows with 7,200, while Davenport reports 6,800 accidents annually.
Iowa Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Cedar Rapids | 7,200 | $5,600 |
| Davenport | 6,800 | 5,400 |
| Des Moines | 12,500 | $9,800 |
| Iowa City | 4,900 | 3,900 |
| Sioux City | 5,500 | 4,200 |
Iowa City and Sioux City report fewer accidents, at 4,900 and 5,500. Comparing Iowa car insurance quotes helps drivers select the right coverage based on these statistics.
Best Car Insurance Discounts in Iowa
If you’re wondering how to lower your car insurance cost, Iowa offers many discounts from top insurers. These discounts range from multi-policy to safe driver savings, helping you find the best option.
Iowa Auto Insurance Discounts
| Insurance Company | Anti-Theft | Bundling | Good Driver | Good Student | UBI |
|---|---|---|---|---|---|
| 10% | 15% | 20% | 10% | 15% |
| 12% | 14% | 18% | 12% | 14% |
 | 8% | 13% | 17% | 9% | 13% |
| 9% | 16% | 19% | 11% | 14% |
| 14% | 17% | 22% | 12% | 16% |
| 11% | 15% | 21% | 10% | 15% |
| 10% | 14% | 19% | 9% | 14% |
 | 13% | 18% | 23% | 13% | 17% |
| 9% | 15% | 20% | 10% | 15% |
| 15% | 20% | 25% | 14% | 18% |
Leading providers like Best Car Insurance in Iowa offer several ways to save. Allstate, for example, provides discounts for safe drivers and anti-theft and usage-based insurance, with savings of up to 20% for good drivers.
Other insurers like Geico, American Family, and Farmers also offer similar discounts. These include savings for military, multi-vehicle, and good students, along with programs like Nationwide’s SmartRide.
Car Insurance Discounts From the Top Providers in Iowa
| Insurance Company | Available Discounts |
|---|---|
| Multi-policy, Safe Driver, Anti-theft, Early Signing, Good Student, Smart Student, New Car |
| Steer into Savings, Multi-vehicle, Low Mileage, Good Student, Teen Safe Driver, Defensive Driver |
| Multi-policy, Good Student, Safe Driver, Bundling (up to 17%), Paid-in-Full |
| Multi-policy, Good Student, Safe Driver, Pay-in-Full, Homeowner, Signal App (Usage-based) |
| Multi-policy, Safe Driver, Military, Good Student, Emergency Deployment, Anti-theft, New Vehicle |
| SmartRide (usage-based), SmartMiles (mileage-based), Multi-policy, Paperless, Safe Driver, Good Student |
| Snapshot (usage-based), Multi-policy, Good Student, Homeowner, Continuous Insurance |
| Multi-policy, Safe Driver, Good Student, Defensive Driver, Anti-theft, Steer Clear (for young drivers) |
| Multi-policy, Safe Driver, Homeownership, Hybrid/Electric Vehicle, Good Payer |
| Safe Driver, Military, Multi-vehicle, Family, Loyalty, New Vehicle, Good Student |
Iowa drivers can further reduce costs with paid-in-full discounts or incentives for hybrid vehicles. With options for good student discounts and loyalty rewards, combining available offers can lower your premiums.
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Additional Car Insurance in Iowa
Understanding loss ratios forms part of the process of checking the financial stability of an insurance company. Higher loss ratios mean the insurer pays higher amounts when settling claims, which may affect its stability.
| Loss Ratio | 2013 | 2014 | 2015 |
|---|---|---|---|
| Medical Payments (Med Pay) | 67% | 69% | 79% |
| Uninsured/Underinsured Motorist | 50% | 68% | 72% |
In Iowa, the Med Pay coverage increased from 67% in 2013 to 79% in 2015. On the other hand, the UM/UIM coverage also increased from 50% to 72%, indicating an increase in accident costs.
Several factors influence car insurance quotes in Iowa, including traffic congestion, weather risks, and uninsured drivers. Urban centers face more congestion, while severe storms and icy roads add to driving hazards.
Iowa Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Traffic Density | B+ | Low congestion in most areas but higher in urban centers. |
| Weather-Related Risk | B | Moderate risk due to occasional severe storms and icy roads. |
| Average Claim Size | B | Claims are generally moderate but can be high for major accidents. |
| Vehicle Theft Rate | B- | Lower theft rates compared to national averages but varies by city. |
| Uninsured Drivers Rate | C+ | A fair number of uninsured drivers, increasing overall risk. |
Uninsured motorists are also a threat; therefore, coverage needs to be increased. Reviewing how the states rank on uninsured drivers helps assess risk, and increasing coverage limits ensures better financial protection.
Find the Best Iowa Car Insurance Companies
Finding affordable car insurance in Iowa doesn’t have to be a hassle. With the proper guidance, you can easily compare rates and choose the best provider.
We’ll walk you through five simple steps to help you make an informed decision.
- Determine Your Coverage Needs: Decide if you need basic or comprehensive coverage to narrow your options.
- Compare Iowa Car Insurance Rates: Compare the rates of top companies against the average Iowa car insurance costs to find the best deal.
- Check Financial Stability: Ensure the insurer has a strong financial track record to handle claims effectively.
- Review Customer Satisfaction: Scrutinize customers’ reviews and complaints to analyze the quality of the insurer’s services.
- Request Quotes and Choose Your Provider: Request quotations from your best picks to make a conclusive decision on your provider.
You can confidently choose the best Iowa car insurance provider following these five steps. This car insurance guide helps you compare rates, check customer satisfaction, and find a reliable insurer offering the best value for your coverage needs.
Car Insurance in Iowa Minimum Coverage
In Iowa, car insurance isn’t mandatory, but drivers must prove financial responsibility if involved in an accident. This can be done through liability insurance or other acceptable forms, which we’ll cover in another section.
Iowa follows an “at-fault” system, where the responsible driver pays for damages, including injuries and property damage to others. This applies to drivers, passengers, pedestrians, and cyclists.
State Farm provides the most reliable and affordable car insurance in Iowa, backed by strong financial stability and extensive coverage options.
Daniel Walker Licensed Insurance Agent
The state requires minimum liability insurance: $20,000 for one person’s injuries, $40,000 for multiple people, and $15,000 for property damage. These amounts reflect Iowa auto insurance rates, but higher coverage is advised.
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Top Car Insurance Providers in Iowa: Rates, Coverage, and Discounts
To find the best car insurance in Iowa, compare car insurance rates by city for the latest coverage options. You can find top providers like State Farm, Geico, and Allstate, which offer different policies. Comparing premiums and coverage helps one make a smart decision.
Requesting auto insurance quotes in Iowa from multiple companies helps you find the right policy for your needs. Finding affordable car insurance doesn’t have to be a challenge. See if you’re getting the best deal on car insurance by entering your ZIP code here.
Frequently Asked Questions
What are the best car insurance companies in Iowa?
The top three car insurance companies in Iowa are State Farm, Geico, and Progressive. Find the best car insurance companies here.
How can I save money on car insurance in Iowa?
You can save money by bundling policies, taking advantage of safe driver discounts, and comparing quotes from multiple providers. See if you’re getting the best deal on car insurance by entering your ZIP code.
What is the minimum coverage required in Iowa?
Iowa requires $20,000 for one person’s injuries, $40,000 for multiple people, and $15,000 for property damage. Consider the average car insurance costs in Iowa based on coverage and history.
What is the average cost of car insurance in Iowa?
The average monthly cost for car insurance in Iowa ranges from $16 for minimum coverage to $191 for full coverage, depending on the insurer. Look at our things you do that can raise your premiums for expanded insights.
How do bundling policies help with car insurance in Iowa?
Bundling auto and home insurance can save you 10% to 25%. This is a common strategy in the Iowa auto insurance guide to reduce your coverage costs.
Which car insurance company offers the best rates for young drivers in Iowa?
Iowa auto insurance companies offer affordable rates for young drivers, but State Farm premiums may be higher than those of other providers.
Can I get car insurance if I have a bad driving record in Iowa?
Yes, but expect higher premiums, particularly with companies like Farmers and Progressive, which offer coverage options for risky drivers. Explore safe driving tips to keep your insurance and car safe.
What are some common car insurance claims in Iowa?
Rear-end collisions (30%) and fender benders (25%) are common in Iowa. Meeting Iowa auto insurance requirements ensures financial protection if you’re involved in one of these accidents.
Are there discounts for good students in Iowa?
Yes, many insurers, like Geico and State Farm, offer a car insurance discount in Iowa for good students, typically saving them 10% to 20% on their premiums. Ready to find cheaper car insurance coverage? Enter your ZIP code to begin.
Which car insurance company is best for rural drivers in Iowa?
Farm Bureau Insurance is tailored for rural drivers in Iowa, providing specialized coverage suited for these areas. Learn more about car insurance rates by state.