Iowa drivers ought to evaluate totally different automobile insurance coverage choices to seek out the most affordable protection as a result of insurance coverage prices are rising. Our opinions group has researched the most effective automobile insurance coverage corporations nationwide. We rigorously examined the repute, buyer satisfaction, protection choices, and common premiums of every supplier.
In this evaluate, we are going to clarify the best strategies to decrease the cost of insurance coverage and inform you about the place you’ll find the least costly automobile insurance coverage in Iowa primarily based in your driving historical past.
Key Points
- State Farm is the most affordable automobile insurance coverage firm in Iowa general, with a mean charge of $14 per thirty days for minimal protection and $92 per thirty days for full protection.
- Pekin and Auto-Owners additionally provide inexpensive automobile insurance coverage charges for a lot of driver profiles.
- If you might be underneath 25 years old or have had site visitors violations prior to now, you possibly can anticipate to pay extra to your automobile insurance coverage in comparison with the typical driver.
- You can save on automobile insurance coverage by choosing minimal protection, searching for reductions, rising your deductible, and bundling your auto insurance coverage with different insurance policies.
Car insurance coverage corporations assess driver profiles otherwise, which means that the most affordable supplier for one person is probably not the most affordable for you. For occasion, right here’s a glimpse on the most inexpensive auto insurance coverage suppliers and their charges for varied driver profiles in Iowa.
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum protection | State Farm | $14 | $167 |
| Full protection | Pekin | $70 | $836 |
| 16-year-olds | State Farm | $58 | $702 |
| 45-year-olds | State Farm | $13 | $153 |
| High-risk drivers | State Farm | $16 | $192 |
| After a rushing ticket | State Farm | $15 | $185 |
| After an accident | State Farm | $17 | $204 |
| After a DUI | State Farm | $15 | $185 |
| Poor credit score drivers | Pekin | $15 | $174 |
*Unless said in any other case, common prices are minimum-coverage charges for single male drivers between the ages of 25 and 35 with good credit score and a clear driving historical past.
What Is The Cheapest Car Insurance Company In Iowa?
In basic, we found that State Farm has probably the most inexpensive automobile insurance coverage in Iowa for varied sorts of drivers. The following sections will cowl the typical month-to-month prices of each minimum- and full-coverage automobile insurance coverage from the most affordable corporations in Iowa.
These charges apply to drivers in Iowa who’re of various ages, residing elsewhere, and have various driving experiences. The least expensive corporations are organized by minimal protection prices.
Cheapest Minimum Coverage In Iowa: State Farm
Drivers searching for probably the most inexpensive protection that simply meets Iowa state minimal necessities might discover it at State Farm for about $14 per thirty days or $167 per yr on common.
| Cheapest Car Insurance in Iowa | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| State Farm | $14 | $167 |
| Pekin | $15 | $174 |
| Auto-Owners | $20 | $236 |
| West Bend Mutual | $20 | $238 |
| IMT | $22 | $269 |
| Farm Bureau | $23 | $275 |
| Progressive | $27 | $328 |
| GEICO | $29 | $346 |
| Grinnell Mutual | $33 | $394 |
| Allstate | $46 | $551 |
Cheapest Full Coverage In Iowa: Pekin
Pekin affords the most effective protection for the most effective worth in the event you’re looking for extra complete insurance coverage. The supplier affords full-coverage insurance coverage for a mean of $70 per thirty days.
Full-coverage insurance coverage insurance policies in Iowa usually embody legal responsibility insurance coverage, uninsured/underinsured motorist protection, collision protection, and complete insurance coverage.
| Cheapest Car Insurance in Iowa | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Pekin | $70 | $836 |
| State Farm | $92 | $1,098 |
| West Bend Mutual | $105 | $1,266 |
| Farm Bureau | $143 | $1,716 |
| GEICO | $145 | $1,741 |
| IMT | $148 | $1,780 |
| Auto-Owners | $153 | $1,835 |
| Progressive | $157 | $1,887 |
| Allstate | $170 | $2,039 |
| Grinnell Mutual | $254 | $3,045 |
Cheapest Car Insurance In Iowa: Age
Below, you’ll discover common insurance coverage prices for Iowa drivers ages 16 to 55 in addition to the highest 5 budget-friendly automobile insurance coverage corporations for every age group. Drivers who’re between the ages of 30 and 55 normally obtain probably the most inexpensive automobile insurance coverage charges. This is as a result of they’ve a higher quantity of highway expertise and are much less more likely to be concerned in automobile accidents in comparison with younger drivers, as proven by statistics.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | $105 | $449 |
| 25 | $27 | $157 |
| 35 | $22 | $130 |
| 45 | $21 | $124 |
| 55 | $20 | $113 |
Cheapest Iowa Car Insurance: Young Drivers
As talked about, new drivers and early 20s sometimes pay the most costly automobile insurance coverage charges. This is principally as a result of these drivers don’t have a lot expertise driving and usually tend to break site visitors guidelines and get into accidents.
In reality, the deadly crash charge per mile pushed for teen drivers was almost thrice the speed for drivers 20 years old and older in 2021, based on the Insurance Institute for Highway Safety.
Cheapest Iowa Car Insurance For 16-Year-Olds: State Farm
If you’re a teen driver or the mum or dad of 1, State Farm could also be your finest guess for locating probably the most inexpensive automobile insurance coverage in Iowa.
The firm’s least expensive common charges for 16-year-old drivers are $58 per thirty days or $702 per yr, which is comparatively inexpensive in comparison with different states. If you’re searching for full protection, the typical is $160 per thirty days or $1,923 per yr from Pekin.
| Cheapest Car Insurance in Iowa | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $58 | $278 |
| Pekin | $59 | $160 |
| IMT | $65 | $272 |
| GEICO | $72 | $365 |
| Auto-Owners | $79 | $390 |
| West Bend Mutual | $87 | $376 |
| Grinnell Mutual | $109 | $744 |
| Farm Bureau | $112 | $562 |
| Progressive | $123 | $643 |
| Allstate | $286 | $696 |
Cheapest Iowa Car Insurance For 25-Year-Olds: Pekin
Car insurance coverage charges for young drivers of their 20s are noticeably decrease than what teen drivers pay. However, the charges for this age group can nonetheless be fairly excessive relying on the insurance coverage firm you select.
Pekin offers the most affordable automobile insurance coverage prices on common at $15 per thirty days or $184 per yr for minimal protection. Pekin prices $72 per thirty days or $864 per yr for full protection.
| Cheapest Car Insurance in Iowa | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Pekin | $15 | $72 |
| State Farm | $15 | $101 |
| West Bend Mutual | $21 | $111 |
| Auto-Owners | $23 | $174 |
| Farm Bureau | $24 | $152 |
| IMT | $26 | $159 |
| Progressive | $29 | $169 |
| GEICO | $31 | $158 |
| Grinnell Mutual | $37 | $287 |
| Allstate | $49 | $190 |
Cheapest Iowa Car Insurance: Adult Drivers
People who’re of their 40s normally need to pay much less money for automobile insurance coverage. You can evaluate common auto insurance coverage premiums of drivers of their 30s, 40s, and 50s from the highest 5 least expensive corporations for every age group under.
Cheapest Iowa Car Insurance For 35-Year-Olds: State Farm
Drivers of their mid-30s might insure their vehicles on the least expensive cost by getting a minimal protection automobile insurance coverage coverage from State Farm. The firm affords common minimum-coverage prices of $12 per thirty days or $149 per yr. For full protection, Pekin’s charges common $67 month-to-month or $807 yearly.
| Cheapest Car Insurance in Iowa | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $12 | $82 |
| Pekin | $14 | $67 |
| Auto-Owners | $16 | $132 |
| West Bend Mutual | $18 | $100 |
| IMT | $19 | $138 |
| Farm Bureau | $22 | $134 |
| Progressive | $25 | $145 |
| GEICO | $27 | $132 |
| Grinnell Mutual | $29 | $220 |
| Allstate | $43 | $150 |
Cheapest Iowa Car Insurance For 45-Year-Olds: State Farm
Forty-five-year-old drivers might discover probably the most inexpensive minimal protection from State Farm, with common charges of $13 per thirty days or $153 per yr. The least expensive full protection comes from Pekin at $65 per thirty days or $780 per yr.
| Cheapest Car Insurance in Iowa | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $13 | $79 |
| Pekin | $13 | $65 |
| Auto-Owners | $15 | $127 |
| IMT | $16 | $133 |
| West Bend Mutual | $17 | $95 |
| Farm Bureau | $22 | $131 |
| Progressive | $22 | $127 |
| GEICO | $24 | $138 |
| Grinnell Mutual | $28 | $205 |
| Allstate | $42 | $143 |
Cheapest Iowa Car Insurance For 55-Year-Olds: State Farm
State Farm normally affords probably the most inexpensive automobile insurance coverage charges in Iowa for drivers who’re of their 50s. The insurer’s common premiums are $12 month-to-month or $146 yearly for minimal protection. The least expensive full protection choice is from Pekin, costing $65 month-to-month or $780 yearly
| Cheapest Car Insurance in Iowa | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $12 | $74 |
| Pekin | $13 | $62 |
| Auto-Owners | $14 | $116 |
| West Bend Mutual | $16 | $87 |
| IMT | $16 | $128 |
| Farm Bureau | $17 | $110 |
| Progressive | $20 | $106 |
| GEICO | $24 | $126 |
| Grinnell Mutual | $24 | $181 |
| Allstate | $41 | $136 |
Cheapest Car Insurance In Iowa: High-Risk Drivers
Apart from the sort of protection you’ve and the way old you might be, how safely you drive drastically impacts how a lot you’ll have to pay for automobile insurance coverage. Auto insurers sometimes decide in the event you’re a high-risk driver by what number of infractions are in your driving document, together with rushing citations, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers who’re thought-about to be high-risk are charged automobile insurance coverage charges which can be greater than the typical charges. This is as a result of they’ve a number of violations on their driving data. On common, Iowa motorists who’re deemed high-risk might discover probably the most inexpensive charges from State Farm for minimal protection or State Farm for full protection.
| Cheapest Car Insurance in Iowa | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $16 | $99 |
| Pekin | $22 | $101 |
| West Bend Mutual | $33 | $175 |
| IMT | $34 | $217 |
| GEICO | $36 | $211 |
| Progressive | $36 | $186 |
| Farm Bureau | $39 | $240 |
| Grinnell Mutual | $43 | $334 |
| Auto-Owners | $45 | $265 |
| Allstate | $59 | $222 |
Cheapest Iowa Car Insurance For Drivers With A Speeding Ticket: State Farm
Drivers with a rushing quotation on their document can usually discover probably the most inexpensive protection from State Farm, with common charges of $15 per thirty days or $185 per yr for minimal protection and $97 per thirty days or $1,169 per yr for full protection.
| Cheapest Car Insurance in Iowa | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $15 | $97 |
| Pekin | $18 | $85 |
| West Bend Mutual | $26 | $137 |
| IMT | $27 | $174 |
| Farm Bureau | $28 | $175 |
| GEICO | $30 | $190 |
| Grinnell Mutual | $33 | $254 |
| Progressive | $35 | $184 |
| Auto-Owners | $42 | $255 |
| Allstate | $50 | $187 |
Cheapest Iowa Car Insurance For Drivers With An At-Fault Accident: State Farm
Getting right into a automobile accident in Iowa could make your automobile insurance coverage charges go up. State Farm tends to supply probably the most inexpensive charges on common at about $17 per thirty days or $204 per yr for minimal protection and $103 per thirty days or $103 per yr for full protection.
| Cheapest Car Insurance in Iowa | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $17 | $103 |
| Pekin | $19 | $88 |
| Auto-Owners | $28 | $195 |
| Grinnell Mutual | $33 | $254 |
| West Bend Mutual | $35 | $187 |
| GEICO | $36 | $189 |
| IMT | $36 | $213 |
| Farm Bureau | $37 | $232 |
| Progressive | $41 | $210 |
| Allstate | $67 | $253 |
Cheapest Iowa Car Insurance For Drivers With A DUI: State Farm
If you’re a motorist with a DUI conviction, chances are you’ll discover the most affordable minimal automobile insurance coverage in Iowa from State Farm for $15 per thirty days or $185 per yr on common. They even have charges of $97 month-to-month or $1,169 yearly for full protection.
| Cheapest Car Insurance in Iowa | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $15 | $97 |
| Pekin | $29 | $130 |
| Progressive | $32 | $165 |
| IMT | $38 | $263 |
| West Bend Mutual | $39 | $202 |
| GEICO | $41 | $255 |
| Farm Bureau | $50 | $312 |
| Allstate | $60 | $226 |
| Auto-Owners | $64 | $343 |
| Grinnell Mutual | $64 | $494 |
Cheapest Iowa Car Insurance For Drivers With Poor Credit: Pekin
Car insurance coverage prices are greater for drivers who’ve a low credit score rating. Those who don’t have the most effective credit score historical past might wish to take a look at Pekin, which has a mean minimum-coverage charge of $26 per thirty days or $318 per yr and a mean full-coverage charge of $138 per thirty days or $1,659 per yr.
| Cheapest Car Insurance in Iowa | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Pekin | $26 | $138 |
| IMT | $32 | $195 |
| State Farm | $35 | $233 |
| West Bend Mutual | $36 | $193 |
| GEICO | $37 | $219 |
| Progressive | $42 | $264 |
| Farm Bureau | $42 | $250 |
| Auto-Owners | $52 | $389 |
| Grinnell Mutual | $58 | $446 |
| Allstate | $60 | $252 |
Average Cost Of Car Insurance In 10 Iowa Cities
Another side that impacts the cost of your automobile insurance coverage in Iowa is your place of residence. Auto insurance coverage corporations take into account drivers riskier to cowl in areas with:
- Larger teams of individuals
- There are a bigger variety of vehicles being pushed on the roads.
- More frequent occurrences of automobile crashes
- More situations of breaking site visitors legal guidelines
- More incidents of automobile theft and auto vandalism
- Extreme climate circumstances
Certain elements that enhance the probabilities of experiencing threat are extra frequent amongst individuals who personal vehicles in huge cities. That’s why drivers in busy cities are inclined to pay the best common worth for automobile insurance coverage with basic protection. On the opposite hand, drivers in rural areas with decrease crime charges and smaller populations usually tend to have access to extra inexpensive insurance coverage charges.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Cedar Rapids | $31.19 | $135.88 |
| Sioux City | $32.79 | $151.63 |
| Des Moines | $33.88 | $138.46 |
| Iowa City | $27.23 | $119.06 |
| Ames | $25.93 | $117.96 |
| Bettendorf | $33.35 | $130.72 |
| Mason City | $25.70 | $127.21 |
| Davenport | $33.31 | $132.94 |
| Clinton | $28.89 | $134.99 |
| Muscatine | $24.52 | $129.86 |
Top 5 Car Insurance Companies In Iowa
Besides the worth, we’ve examined greater than 40 insurance coverage corporations when it comes to their protection, service, and reliability to find the highest 5 insurers for folks residing in Iowa. Based on our analysis, we discovered State Farm to be the most effective supplier for many drivers in Iowa. Here are our scores for the choices we advocate.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 State Farm | 4.7 | 4.3 | 4.6 | 5 | 4.5 |
| #2 GEICO | 4.5 | 4.2 | 4.2 | 4.9 | 4.3 |
| #3 Progressive | 4.5 | 4 | 4.8 | 4.8 | 4.1 |
| #4 Allstate | 4.4 | 3.8 | 4.6 | 4.8 | 4.2 |
| #5 Auto-Owners | 4.4 | 4.5 | 4.7 | 4.6 | 4.4 |
*The general and class scores above are primarily based on nationwide elements.
How To Get The Cheapest Car Insurance In Iowa
In Iowa, you’ll find alternative ways to lower how a lot you pay for automobile insurance coverage. These embody:
- Opting for minimal protection: If you solely get the bottom quantity of protection that your state requires, your automobile insurance coverage would be the least costly.
- Seeking out reductions: Most insurance coverage corporations have a number of reductions that may assist minimize down on premium prices, from army and good pupil reductions to reductions for drivers that stay accident free for 5 years.
- Raising your deductible: A better deductible will decrease your premium prices, however you’ll need to pay extra out of pocket in the event you file a declare.
- Bundling your auto insurance coverage: You can typically bundle your auto insurance coverage with a householders insurance coverage coverage or different kind of protection to earn a reduction.
- Comparing quotes: By evaluating quotes from totally different corporations, you possibly can work out which supplier is providing the most effective deal.
Many insurance coverage corporations provide usage-based insurance coverage packages as a method for folks to avoid wasting money. These packages use telematics to watch your driving habits–out of your velocity and braking to the time of day you drive. If you drive safely, chances are you’ll qualify for a major low cost. However, some packages might enhance your charges in the event you have interaction in dangerous driving behaviors.
Some corporations additionally provide diminishing deductibles and accident forgiveness. A diminishing deductible choice decreases your deductible quantity every time you renew your coverage. Accident forgiveness ensures that your charges gained’t enhance after your first accident with the corporate.
What Does Iowa Require For Car Insurance?
Drivers in Iowa should meet minimal insurance coverage necessities as outlined by state legislation, which embody basic legal responsibility insurance coverage and uninsured/underinsured motorist (UM/UIM) protection:
- $40,000 bodily damage legal responsibility per accident
- $20,000 bodily damage legal responsibility per person
- $15,000 property harm legal responsibility per accident
Liability protection solely takes care of different events’ accidents and property damages in an accident that you simply trigger. UM/UIM covers your accidents and property damages, however solely within the case that the at-fault driver has little to no auto insurance coverage.
Getting complete insurance coverage will make sure that your automobile is roofed if stolen, vandalized, or broken by floods, fireplace, animals, or different pure disasters. Collision insurance coverage covers your automobile repairs after an accident.
Our Take: Best Cheap Car Insurance In Iowa
When it involves each minimal and full protection, State Farm is the most effective and least expensive auto insurance coverage firm for many drivers in Iowa. While the above prices may give you an thought of what you’d pay for automobile insurance coverage in Iowa, getting a personalised quote will assist provide you with a extra correct image of what you’ll pay.
Many corporations provide fast and free on-line instruments for getting insurance coverage quotes. Alternatively, you possibly can instantly contact an insurance coverage agent or consultant from the corporate. Once you’ve gathered quotes from three or extra suppliers, evaluate them to seek out the best choice for you.
Best Cheap Car Insurance In Iowa: FAQ
Here are some continuously requested questions on automobile insurance coverage in Iowa:
How We Rate Insurers
Our evaluate course of goals to ship constant and unbiased assessments of automobile insurance coverage suppliers. While there are a number of qualities that make a automobile insurance coverage firm profitable, our evaluate group focuses on these we imagine are a very powerful for shoppers:
- Cost: Cost might be troublesome to check between insurers as a result of so many elements impression annual premiums. The least expensive insurer for one driver is probably not the most affordable for one more. To decide our cost rating, we have a look at insurance coverage charge estimates generated by Quadrant Information Services, low cost alternatives, and shopper experiences.
- Coverage: To decide our protection rating, we have a look at the variety of protection choices available in addition to protection limits and deductible choices. Our scores additionally take note of further companies and advantages like roadside help.
- Reliability: It’s vital that an auto insurer is ready to meet its claims obligations. Companies with a robust monetary energy score from AM Best rating finest on this class. Established insurers with an extended historical past of dependable service additionally obtain optimistic marks.
- Service: We comb via buyer opinions on websites just like the Better Business Bureau (BBB) to study buyer experiences. Insurers with a low quantity of complaints rating properly on this space. We additionally take into account the claims course of, giving greater scores to automobile insurance coverage suppliers that supply easy-to-use claims apps.
*Data correct at time of publication.
