Cheap Car Insurance in Iowa
Iowa drivers pay an average of $1,175/year for auto insurance — $614 below the national average. Compare quotes and save.
How Iowa stacks up
At $1,175 per year for full coverage, Iowa drivers pay 34% less than the national average of $1,789. Among the cheapest in the nation. Hail is the main premium driver; consider higher deductibles.
Premiums vary widely within Iowa based on ZIP code, vehicle, age, credit score (where allowed), and driving record. Urban ZIPs typically pay 20–40% more than rural ones in the same state.
Required minimum coverage in Iowa
Bodily injury liability
20/40 (in $thousands)
Property damage liability
$15,000
No-fault / PIP required
No
Minimums are the legal floor — most drivers should carry significantly more (100/300/100 is a common safe baseline) to protect personal assets from lawsuits.
5 ways to lower your Iowa car insurance
- Compare 3+ insurers — drivers who shop can save up to $487/year on average.
- Raise your deductible from $500 to $1,000 if you have an emergency fund.
- Bundle auto with home or renters insurance (10–25% discount).
- Ask about telematics / usage-based discounts (10–30% if you drive carefully).
- Among the cheapest in the nation. Hail is the main premium driver; consider higher deductibles.
Iowa insurance FAQ
Compare rates in all 50 states — see how your state stacks up.
All states