Best Auto Insurance in Iowa (2025)
Compare top-rated auto insurance companies in Iowa. Find affordable coverage that meets IA state requirements and save up to 40% on your premium.
$1,028
Avg. Annual Premium
20/40/15
Minimum Coverage
Des Moines
Largest City
3.2 million
Population
Iowa Auto Insurance Requirements
Iowa has relatively low insurance rates due to low population density and fewer accidents.
Minimum Liability Coverage: 20/40/15
- • First number: Bodily injury per person
- • Second number: Bodily injury per accident
- • Third number: Property damage per accident
How to Find Cheap Car Insurance in Iowa
Compare Multiple Quotes
Get quotes from at least 3-5 insurance companies. Rates in Iowa can vary by hundreds of dollars for the same coverage.
Ask About Discounts
Safe driver, multi-policy, good student, and low mileage discounts can significantly reduce your premium.
Consider Higher Deductibles
Raising your deductible from $500 to $1,000 can lower your premium by 15-25%.
Maintain Good Credit
Most insurers in Iowa use credit-based insurance scores. A good credit score can mean lower rates.
Drive Safely
A clean driving record is one of the best ways to keep your insurance costs down.
Iowa Auto Insurance FAQs
What is the minimum auto insurance required in Iowa?
Iowa requires minimum liability coverage of 20/40/15 (bodily injury per person/per accident/property damage). Iowa has relatively low insurance rates due to low population density and fewer accidents.
How much does car insurance cost in Iowa?
The average annual car insurance premium in Iowa is $1,028. Your actual rate may vary based on your driving record, age, vehicle, and coverage choices.
What factors affect auto insurance rates in Iowa?
Key factors affecting Iowa auto insurance rates include your driving record, age, credit score (where permitted), vehicle type, coverage levels, deductibles, and where you live within the state. Drivers in Des Moines typically pay more than those in rural areas.
How can I find cheap car insurance in Iowa?
To find affordable car insurance in Iowa: 1) Compare quotes from multiple insurers, 2) Ask about available discounts, 3) Consider raising your deductible, 4) Bundle with home insurance, 5) Maintain a clean driving record. The best rates often come from comparing at least 3-5 different companies.
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