Iowa Car Insurance Rates
Projected insurance rates in Iowa for 2018 are $1,006 a year for full coverage insurance. Comprehensive, collision, and liability cost approximately $224, $408, and $260, 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: $1,006
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
For an average driver, Iowa insurance rates go from the low end price of $308 for your basic liability-only policy to the much higher price of $2,166 for a driver required to buy high-risk insurance.
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.
Enter your Iowa zip code below to view companies that have cheap auto insurance rates.
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Recommended Companies for Cheap Iowa Insurance
The chart estimates Iowa auto insurance prices for different risks and coverage choices. The cheapest discount price is $578. Drivers choosing higher $1,000 deductibles will pay $862. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,006. Selecting more expensive $100 deductibles for physical damage coverage could cost up to $1,284. If you have multiple accidents and violations you could be charged around $2,166. The rate for full coverage insurance for a teenager can be as high as $3,692.
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 $430 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 $234 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 $800 a year, whereas some neighorhoods in Council Bluffs and Sioux City may have prices as high as $1,400. 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.
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.
|Make and Model||Premium||% to Avg|
|Get Rates for Your Vehicle Quote Now|
Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,200 to $1,600 additional every year, depending on your age. Insurance for high-risk drivers can be from 43% to 134% 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.
|Rank||Company||Market Share||Average Rate|
|4||Iowa Farm Bureau||7.08%||$966|
|Get Your Rates Quote Now|
Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra
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 $3,600 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.
Iowa Auto Insurance Articles
- How Much is Auto Insurance in Iowa?
- Who Has Cheap Insurance Quotes for a Toyota Tundra in Iowa?
- Who Has the Cheapest Insurance for a Nissan Rogue in Iowa?
- Cheap Auto Insurance for Good Drivers in Iowa
- Best Cheap Insurance Quotes for a Honda CR-V in Iowa
- Cheapest Insurance Quotes for a Ford Explorer in Iowa
Compare Rates Now
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$75|
|5-yr Claim Free||$65|
|Paid in Full/EFT||$47|
Discounts are estimated and may not be available from every company or in every state.