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:

Comprehensive $224
Collision $408
Liability $260

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.

Liability Only $308
Full Coverage $1,006
High Risk $2,166

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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Iowa car insurance rate comparison chart
Column chart showing Iowa car insurance prices range from $578 to $3,692 for full coverage

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.

View Chart as Image

Iowa insurance rates by city

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.

Iowa Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$1,0605.1%
Dodge Ram$1,0887.5%
Ford Escape$836-20.3%
Ford Focus$972-3.5%
Ford Fusion$1,0665.6%
Ford F-150$944-6.6%
GMC Acadia$924-8.9%
GMC Sierra$1,0443.6%
Honda Accord$938-7.2%
Honda Civic$1,0968.2%
Honda CR-V$814-23.6%
Honda Pilot$954-5.5%
Hyundai Sonata$1,0181.2%
Kia Optima$1,0383.1%
Nissan Altima$1,0342.7%
Nissan Rogue$1,0080.2%
Toyota Camry$1,0241.8%
Toyota Corolla$1,002-0.4%
Toyota Prius$934-7.7%
Toyota RAV4$948-6.1%
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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.

Iowa Auto Insurance Companies by Market Share and Average Rate
RankCompanyMarket ShareAverage Rate
1State Farm22.15%$909
2Progressive15.39%$1,095
3Nationwide11.08%$795
4Iowa Farm Bureau7.08%$966
5American Family6.36%$1,191
6Grinnell Mutual4.14%$1,218
7Allstate3.42%$1,697
8Geico3.36%$1,024
9IMT Mutual3.35%$1,325
10Farmers Insurance2.14%$1,076
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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

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Rates by Driver Age

Iowa Insurance Rates by Driver Age
Driver AgePremium
16$3,692
20$2,316
30$1,052
40$1,006
50$916
60$898

Full coverage, $500 deductibles

Rates by Deductible

Iowa Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,284
$250$1,154
$500$1,006
$1,000$862

Full coverage, driver age 40

Rates by Liability Limit

Iowa Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,006
50/100$1,058
100/300$1,123
250/500$1,292
100 CSL$1,084
300 CSL$1,227
500 CSL$1,331

Full coverage, driver age 40

Rates for High Risk Drivers

Iowa Car Insurance Rates for High Risk Drivers
AgePremium
16$5,270
20$3,676
30$2,218
40$2,166
50$2,064
60$2,044

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.

SR-22 Surcharge $139

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$54
Multi-vehicle$52
Homeowner$14
5-yr Accident Free$75
5-yr Claim Free$65
Paid in Full/EFT$47
Advance Quote$50
Online Quote$71
Total Discounts$428
Rate after discounts $578

Discounts are estimated and may not be available from every company or in every state.

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