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Best & Cheapest Iowa Car Insurance as Rated by Customers in 2020

4.89 ★★★★★
27 customer reviews
rated their claim's experience positively
4.67 ★★★★★
4579 customer reviews
rated their claim's experience positively
4.64 ★★★★★
104 customer reviews
rated their claim's experience positively
4.19 ★★★★★
461 customer reviews
rated their claim's experience positively
4.13 ★★★★★
16886 customer reviews
rated their claim's experience positively
4.10 ★★★★★
31 customer reviews
rated their claim's experience positively
4.10 ★★★★★
74 customer reviews
rated their claim's experience positively
4.09 ★★★★★
2059 customer reviews
rated their claim's experience positively
4.05 ★★★★★
2230 customer reviews
rated their claim's experience positively
4.03 ★★★★★
7149 customer reviews
rated their claim's experience positively
3.96 ★★★★★
1333 customer reviews
rated their claim's experience positively
3.93 ★★★★★
746 customer reviews
rated their claim's experience positively
3.89 ★★★★★
143 customer reviews
rated their claim's experience positively
3.78 ★★★★★
163 customer reviews
rated their claim's experience positively
3.74 ★★★★★
545 customer reviews
rated their claim's experience positively
3.69 ★★★★★
90 customer reviews
rated their claim's experience positively
3.58 ★★★★★
239 customer reviews
rated their claim's experience positively
3.52 ★★★★★
116 customer reviews
rated their claim's experience positively
3.49 ★★★★★
58 customer reviews
rated their claim's experience positively
3.22 ★★★★★
67 customer reviews
rated their claim's experience positively
3.08 ★★★★★
295 customer reviews
rated their claim's experience positively
2.16 ★★★★★
133 customer reviews
rated their claim's experience positively

Your car insurance company is an important part of your life, especially in the event of a car accident. When choosing an Iowa car insurance company, you want to make sure you’re picking the right one with the best coverage and customer service. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Iowa. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Iowa car insurance companies.

In the table above, you can sort through all the Iowa car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Iowa car insurance rankings.

Interested in learning more about one of these Iowa car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Who offers the cheapest teen car insurance rates in Iowa?

Out of the five largest car insurance companies in Iowa, Farm Bureau offers the best car insurance rates for teens in Iowa. In the table below, you can find average Iowa teen car insurance rates for male and female drivers.

Company Female teen rates Male teen rates
American Family Insurance $846 $885
Farm Bureau Property & Casualty Insurance Company (FBPCIC) $610 $585
Nationwide $1,197 $1,497
Progressive $819 $900
State Farm Insurance Company $694 $817

These rates are based on profiles for 18-year-old male and female drivers in Iowa. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Iowa will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest car insurance rates for a married couple in Iowa?

American Family Insurance offers the cheapest car insurance rates in Iowa for married couples on average. The table below displays average Iowa car insurance rates for a married couple with two cars on a policy from the five largest companies in the state.

Company Married couple rates
American Family Insurance $1,261
Farm Bureau Property & Casualty Insurance Company (FBPCIC) $1,462
Nationwide $1,287
Progressive $1,491
State Farm Insurance Company $1,423

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Iowa will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest senior car insurance rates in Iowa?

Progressive, for both female and male seniors in Iowa, offers the cheapest car insurance rates on average. Below you can see average Iowa car insurance rates for male and female senior drivers for the five largest companies in the state.

Company Female senior rates Male senior rates
American Family Insurance $798 $800
Farm Bureau Property & Casualty Insurance Company (FBPCIC) $867 $752
Nationwide $654 $748
Progressive $645 $655
State Farm Insurance Company $660 $660

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Iowa will differ. Rate data is provided by Quadrant Information Services.

10 Cheapest areas in Iowa for car insurance

There are many factors that affect your car insurance rates. While the state you live in contributes to your cost of car insurance, the area you live in within the state also matters. Car insurance rates in Iowa can even vary by different areas within a city. The cheapest area in Iowa for car insurance on average is the city of Ames. In the table below, you can see the top 10 cheapest areas in Iowa for car insurance based on average rates for a single adult.

Area Car insurance rates
Ames $865
Iowa City $875
Coralville $878
Gilbert $884
Grimes $890
Ankeny $893
Roland $895
Clear Lake $898
Story City $900
Marion $900

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Iowa will differ. Rate data is provided by Quadrant Information Services.

10 Most expensive areas in Iowa for car insurance

Your car insurance rates vary based on a number of factors. Since crime rate and accident frequency differs by area in Iowa, the area you live in is one of the factors that affects your rates.The Carter Lake area is the most expensive areas for car insurance in Iowa. The table below displays the top 10 most expensive areas in Iowa for car insurance based on average rates for a single adult.

Area Car insurance rates
Carter Lake $1,138
Council Bluffs $1,134
Pacific Junction $1,126
Glenwood $1,118
Malvern $1,110
Emerson $1,109
Silver City $1,108
Villisca $1,108
Elliot $1,107
Thurman $1,107

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Iowa will differ. Rate data is provided by Quadrant Information Services.

Minimum car insurance coverage and limits in Iowa

Iowa drivers are required to obtain two types of insurance coverage: bodily injury and property damage liability coverage. The state has minimum limits, listed below, but it’s important to consider purchasing higher limits to ensure that you have sufficient coverage in the event of a costly accident.

The required liability coverages will help protect you if you injure another driver or their passengers, or if you damage property in an accident. They do not provide coverage for your vehicle if you are at fault in an accident, or if your vehicle suffers non-accident related damage. That’s why it may be wise to purchase optional coverages, such as collision insurance and comprehensive insurance, for additional protection.

Iowa state minimum requirements:

Liability:

  • Bodily injury — $20,000 per person
  • Bodily injury — $40,000 per accident
  • Property damage — $15,000 per accident

Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.

Iowa’s uninsured motorist percentage

Another optional coverage is uninsured/underinsured motorist coverage. This coverage protects you from drivers without insurance or without enough insurance, and hit-and-run drivers.

It’s worth noting that 8.7 percent of Iowa drivers do not have auto insurance, according to 2015 data from the Insurance Information Institute.

How car insurance rates are calculated in Iowa

When searching and comparing quotes from the best auto insurance companies in Iowa, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How to save money on your car insurance in Iowa

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Iowa car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How Clearsurance rates and ranks the best car insurance companies in Iowa

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Car insurance guide

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.