Best and Cheapest Car Insurance in Iowa (Find Savings With These 10 Companies in 2024)
The top picks for the best and cheapest car insurance in Iowa are USAA, State Farm, and Nationwide. These top providers offer competitive rates starting at $13/month, with USAA being the overall top pick for its military savings. Check out our ranking of the top providers: Best Military Car Insurance: Companies and Discounts
This guide explores how various factors, such as driving history and vehicle type, influence premiums and compares customer reviews to help you make an informed decision.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 |
#1 | $13 | Military Savings | A++ | USAA |
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#2 | $16 | Personalized Service | B | State Farm |
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#3 | $18 | Commercial Insurance | A+ | Nationwide |
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#4 | $19 | Coverage Options | A+ | Progressive |
 |
#5 | $20 | Low Deductibles | A++ | Geico |
 |
#6 | $21 | Insurance Discounts | A | Farmers |
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#7 | $23 | Comprehensive Coverage | A++ | Travelers |
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#8 | $24 | Discount Availability | A | American Family |
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#9 | $28 | Optional Coverage | A | Liberty Mutual |
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#10 | $31 | Full Coverage | A+ | Allstate |
With detailed comparisons and customer reviews, you'll find insights into the best companies for different demographics, including teens, married couples, and seniors. Start saving today by exploring our rankings and finding the perfect policy for your needs.
Understanding how insurance works can feel complicated, but finding affordable rates doesn’t have to be. Enter your ZIP code above for the best insurance rates possible.
What You Should Know
- Compare top providers like USAA, known for its military savings and personalized service
- Discover the best and cheapest car insurance in Iowa, starting at just $13/month
- Understand factors that affect your premiums to find the most affordable coverage.
On this page:
- USAA: Top Overall Pick
- State Farm: Best for Personalized Service
- Nationwide: Best for Commercial Insurance
- Progressive: Best for Coverage Options
- Geico: Best for Low Deductibles
- Farmers: Best for Insurance Discounts
- Travelers: Best for Comprehensive Coverage
- American Family: Best for Discount Availability
- Liberty Mutual: Best for Optional Coverage
- Allstate: Best for Full Coverage
- Comparing Car Insurance Costs From Top Providers in Iowa
- Affordable Car Insurance Options in Iowa
- Top Providers for Affordable Car Insurance Rates for Married Couples in Iowa
- Tips for Seniors to Save on Car Insurance in Iowa
- Impact of ZIP Code on Iowa Drivers' Insurance Rates
- Most Expensive Areas in Iowa for Car Insurance
- Required Liability Limits in Iowa
- Iowa's Percentage of Uninsured Drivers
- Essential Coverage Options for Car Insurance in Iowa
- Understanding Auto Insurance Rate Calculations in Iowa
- Tips for Saving Money on Car Insurance in Iowa
- Ranking and Rating Iowa's Top Car Insurance Companies
- Finding the Best and Cheapest Car Insurance in Iowa
#1 – USAA: Top Overall Pick
Pros
- Military Discounts: USAA customer reviews highlight substantial discounts for military members and their families, making it a top choice for veterans and active-duty personnel in Iowa.
- Exceptional Customer Service: USAA is renowned for its high customer satisfaction, providing Iowans with reliable and responsive support.
- Competitive Rates: With rates starting as low as $13/month, USAA offers some of the most affordable car insurance options in Iowa. Comprehensive Coverage Options: USAA provides extensive coverage options, including roadside assistance and rental reimbursement, tailored to meet the diverse needs of Iowa drivers.
Cons
- Eligibility Restrictions: Only military members, veterans, and their families can access USAA insurance, limiting its availability to the general population in Iowa.
- Limited Physical Locations: USAA has fewer physical branches, which might be inconvenient for Iowa residents who prefer in-person service.
#2 – State Farm: Best for Personalized Service
Pros
- Local Agents: State Farm has a strong network of local agents across Iowa, providing personalized service and local expertise.
- Customizable Policies: State Farm insurance customer reviews highlight the company's flexible policies, enabling Iowa drivers to customize their coverage to meet individual requirements.
- Discounts for Safe Drivers: State Farm provides significant discounts for safe driving, benefiting Iowa residents with good driving records.
Cons
- Higher Premiums: Some Iowa drivers may find State Farm’s premiums higher than competitors, especially without discounts.
- Inconsistent Customer Service: Customer service experiences can vary significantly by agent, which might be a drawback for some Iowa residents.
#3 – Nationwide: Best for Commercial Insurance
Pros
- Competitive Rates: Nationwide offers competitive rates, with minimum coverage starting at $18/month, making it an affordable option for Iowa residents.
- Wide Range of Discounts: Nationwide provides various discounts, including multi-policy and safe driver discounts, helping Iowa drivers save on premiums.
- Strong Customer Service: Nationwide customer reviews highlight the company's strong reputation for providing excellent customer service and dependable support to policyholders throughout Iowa.
Cons
- Mixed Reviews on Claims Handling: Some Iowa customers report mixed experiences with Nationwide's claims handling process.
- Higher Rates for High-Risk Drivers: High-risk drivers in Iowa may find Nationwide's premiums to be on the higher side compared to other insurers.
#4 – Progressive: Best for Coverage Options
Pros
- Competitive Rates for Seniors: Progressive insurance customer reviews highlight that the company provides some of the most affordable rates for senior drivers in Iowa, making it a budget-friendly option for older adults.
- Extensive Coverage Options: Progressive provides a wide range of coverage options, including gap insurance, which is beneficial for drivers financing their vehicles in Iowa.
- Local Agent Availability: Progressive has a strong network of local agents in Iowa, ensuring personalized service and easy access to help.
Cons
- Higher Rates for High-Risk Drivers: Drivers with poor credit or multiple traffic violations may find Progressive's rates higher in Iowa.
- Limited Local Offices: Compared to other providers, Progressive has fewer physical locations in Iowa, which might be inconvenient for some customers.
#5 – Geico: Best for Low Deductibles
Pros
- Affordable Rates: Geico is known for its competitive rates, making it an attractive option for budget-conscious drivers in Iowa.
- User-Friendly Mobile App: The Geico mobile app is highly rated, offering Iowans convenient access to policy information, claims filing, and roadside assistance. Discover our top-rated providers: Best Insurance Companies for Roadside Assistance: Customer Reviews
- Extensive Coverage Options: Geico provides a variety of coverage options, including mechanical breakdown insurance, which is valuable for Iowans with older vehicles.
Cons
- Limited Agent Interaction: Geico primarily operates online and over the phone, which might not suit drivers in Iowa who prefer in-person service.
- High Rates for High-Risk Drivers: Like Progressive, Geico tends to have higher premiums for drivers with poor credit or multiple violations in Iowa.
#6 – Farmers: Best for Insurance Discounts
Pros
- Comprehensive Coverage Options: Farmers offers a wide range of coverage options, including comprehensive and collision coverage, ideal for Iowa drivers seeking extensive protection.
- Local Agent Network: Strong presence of local agents in Iowa, providing personalized service and support.
- Accident Forgiveness: Farmers insurance customer reviews highlight that the company's accident forgiveness program can help maintain stable premiums for Iowa drivers after their first at-fault accident.
Cons
- Higher Premiums: Farmers' premiums tend to be higher than average, which might be a drawback for cost-conscious drivers in Iowa.
- Limited Online Features: Farmers' online tools and mobile app are not as advanced as competitors, which could be inconvenient for tech-savvy drivers in Iowa.
#7 – Travelers: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage Options: Travelers offers a wide range of coverage options tailored to the specific needs of Iowa drivers, including comprehensive, collision, and uninsured motorist coverage.
- Discounts for Safe Driving: Travelers Companies, Inc. customer reviews highlight that Iowa drivers can take advantage of various discounts, including safe driver and multi-policy discounts, which can reduce their total insurance expenses.
- Strong Financial Stability: Travelers is known for its financial stability, ensuring that claims are handled promptly and efficiently, a crucial factor for peace of mind for drivers in Iowa.
Cons
- Limited Availability of Some Discounts: Not all discounts available in other states are offered in Iowa, potentially reducing savings for some policyholders.
- Mixed Customer Service Reviews: While many customers report positive experiences, there are occasional complaints about customer service responsiveness and satisfaction.
#8 – American Family: Best for Discount Availability
Pros
- Affordable Rates for Married Couples: American Family Insurance is known for offering some of the most competitive rates for married couples in Iowa, making it an attractive option for families.
- Bundling Discounts: Iowa drivers can save significantly by bundling multiple policies, such as home and auto insurance, with American Family.
- Local Focus: American Family insurance customer ratings highlight their strong presence in Iowa, showcasing their deep understanding of the local market and their ability to provide personalized and relevant insurance solutions.
Cons
- Limited Availability Outside Major Cities: In rural areas of Iowa, access to American Family agents and services might be more limited compared to urban centers.
- Inconsistent Claims Experience: Some Iowa customers report variability in the claims process, with experiences ranging from highly satisfactory to problematic.
#9 – Liberty Mutual: Best for Optional Coverage
Pros
- Customizable Policies: Liberty Mutual insurance customer reviews highlight the company's highly customizable policies, enabling Iowa drivers to tailor their coverage to their specific needs and preferences.
- Comprehensive Discount Programs: The company provides a variety of discounts, including those for safe driving, multiple vehicles, and policy bundling, which can help reduce premiums for Iowa residents.
- User-Friendly Mobile App: Liberty Mutual’s mobile app is highly rated for its functionality, offering easy access to policy information, claims filing, and roadside assistance, which is beneficial for on-the-go Iowans.
Cons
- Higher Premiums for Full Coverage: Iowa drivers seeking full coverage policies may find Liberty Mutual's premiums to be on the higher side compared to some competitors.
- Mixed Customer Satisfaction: While many customers are satisfied, there are some mixed reviews regarding customer service and claims handling, which could be a concern for potential Iowa policyholders.
#10 – Allstate: Best for Full Coverage
Pros
- Wide Range of Discounts: Allstate offers various discounts specific to Iowa drivers, including safe driver, multi-policy, and early signing discounts, helping you save more on premiums.
- Strong Local Presence: Allstate customer reviews highlight the company's extensive network of agents and offices across Iowa, offering personalized service and local expertise.
- Comprehensive Coverage Options: From liability to comprehensive and collision coverage, Allstate provides robust options tailored to the needs of Iowa drivers, ensuring maximum protection.
Cons
- Higher Premiums: Allstate's rates can be higher compared to other insurers in Iowa, particularly for full coverage policies.
- Mixed Customer Service Reviews: While some Iowa customers report positive experiences, others have noted issues with claims processing and customer service.
Comparing Car Insurance Costs From Top Providers in Iowa
Comparing quotes from top providers is essential for finding the best rates and coverage options. This table compares the car insurance costs from various top providers, highlighting both minimum and full coverage rates. Exploring these options and understanding the discounts available can significantly reduce your car insurance costs, helping you save money on your premiums. To gain further insights, consult our comprehensive guide titled "Will My Insurance Policy Cover My Claim."
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $31 | $126 |
| American Family | $24 | $95 |
| Farmers | $21 | $82 |
| Geico | $20 | $81 |
| Liberty Mutual | $28 | $116 |
| Nationwide | $18 | $73 |
| Progressive | $19 | $75 |
| State Farm | $16 | $65 |
| Travelers | $23 | $92 |
| USAA | $13 | $55 |
This table compares car insurance costs from USAA, State Farm, and Nationwide. USAA offers the lowest rates with $13 for minimum coverage and $55 for full coverage. State Farm provides $16 for minimum and $65 for full coverage. Nationwide's rates are $18 for minimum and $73 for full coverage.
When it comes to car insurance in Iowa, various top providers offer a range of discounts to help you save money on your premiums. These discounts can significantly reduce your car insurance costs, so it’s beneficial to explore and understand the options offered by each provider.
Affordable Car Insurance Options in Iowa
If you're just looking at cheaper premiums for state minimum coverage with collision, etc., online calculators can give you a basic idea of what to expect. Teen drivers are naturally inexperienced drivers, which is why parents inevitably pay more. 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.
The table below showcases the monthly car insurance rates offered by different insurance companies in Iowa, highlighting the differences in premiums based on gender for 18-year-old drivers. This comparison provides insights into the affordability of car insurance for young male and female drivers across several major providers, helping to identify the best options for cost-effective coverage. For additional details, explore our comprehensive resource titled "Car Insurance for New Drivers (Rates and Rankings)"
| Insurance Company | Female (Age 18) | Male (Age 18) |
|---|---|---|
| Allstate | $170 | $114 |
| American Family | $69 | $97 |
| Farmers | $80 | $86 |
| Geico | $53 | $45 |
| Liberty Mutual | $135 | $152 |
| Nationwide | $57 | $77 |
| Progressive | $77 | $87 |
| State Farm | $45 | $57 |
| Travelers | $156 | $247 |
| USAA | $36 | $39 |
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.
Top Providers for Affordable Car Insurance Rates for Married Couples in Iowa
What about the average prices for married couples? Many fare better because they're more likely to have a clean record and a house or other investments leading to bundled insurance policies. In short, if you own a boat, motorcycle, and house, you can get a policy for each with the same insurer and save money.
USAA 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. Explore our list of the leading providers: Best Car Insurance Companies for Married Couples
This table presents the monthly car insurance rates from top providers for married couples in Iowa, showcasing how marital status and location can influence the cost. The rates are compared across various insurance companies to help identify the most affordable options for married couples residing in Iowa.
| Insurance Company | Rates |
|---|---|
| Allstate | $37 |
| American Family | $29 |
| Farmers | $32 |
| Geico | $21 |
| Liberty Mutual | $34 |
| Nationwide | $24 |
| Progressive | $27 |
| State Farm | $21 |
| Travelers | $30 |
| USAA | $18 |
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.
Tips for Seniors to Save on Car Insurance in Iowa
Seniors typically have longer driving records. If you also have a clean driving record, it could be easier to find coverage. USAA, 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.
The table below displays the monthly car insurance rates for seniors aged 65, comparing rates for both females and males across various insurance companies. This data helps highlight the differences in premiums based on gender, enabling seniors to make informed decisions when selecting an insurance provider. Discover our selection of the premier providers: Best Car Insurance for Senior Drivers
| Insurance Company | Female (Age 65) | Male (Age 65) |
|---|---|---|
| Allstate | $30 | $30 |
| American Family | $21 | $23 |
| Farmers | $17 | $20 |
| Geico | $21 | $20 |
| Liberty Mutual | $22 | $28 |
| Nationwide | $15 | $18 |
| Progressive | $16 | $18 |
| State Farm | $14 | $16 |
| Travelers | $22 | $22 |
| USAA | $12 | $13 |
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.
Impact of ZIP Code on Iowa Drivers' Insurance Rates
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. Different cities and zip codes within the same city can increase or decrease your rates. Depending on the auto insurance company, living on a busy street compared to a more residential street could also change your rates.
The table below showcases the monthly car insurance rates for drivers in various cities across Iowa, illustrating how ZIP codes influence insurance pricing. This comparison considers demographics such as the location's population density, historical claims data, and local risk factors, which collectively impact the cost of premiums. To learn more, explore our comprehensive resource on insurance titled "How does my credit score affect my insurance premium?"
| City | Rates |
|---|---|
| Ames | $72 |
| Iowa City | $73 |
| Coralville | $73 |
| Gilbert | $74 |
| Grimes | $74 |
| Ankeny | $74 |
| Roland | $75 |
| Clear Lake | $75 |
| Story City | $75 |
| Marion | $75 |
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.
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, rates will vary from city to city. 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. To delve deeper, refer to our in-depth report titled "What Is Accident Forgiveness & Who Offers It?"
The table provides a detailed comparison of the monthly car insurance rates in different cities across Iowa, highlighting the most expensive areas. These rates are influenced by several factors, including city location, local accident rates, vehicle theft statistics, population density, and average traffic conditions. By analyzing these factors, the table identifies which cities have the highest car insurance costs, helping residents understand the financial impact of their location on their insurance premiums.
| City | Rates |
|---|---|
| Carter Lake | $95 |
| Council Bluffs | $95 |
| Pacific Junction | $94 |
| Glenwood | $93 |
| Malvern | $93 |
| Emerson | $92 |
| Silver City | $92 |
| Villisca | $92 |
| Elliot | $92 |
| Thurman | $92 |
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.
Required Liability Limits in Iowa
Like many other states, Iowa drivers are required to obtain two types of insurance coverage: bodily injury and property damage liability coverage. The state has minimum limits as 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. Liability coverage is designed to protect you from most lawsuits by covering the damages of the other party if you're responsible for an accident.
Minimum coverage does 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:
Here is a list of Iowa's minimum coverage requirements:
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $25,000 per accident
- Uninsured/Underinsured Motorist Coverage: $25,000 per person and $50,000 per accident for bodily injury; $25,000 per accident for property damage."
Bodily injury liability insurance 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 insurance 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 Percentage of Uninsured Drivers
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.
Essential Coverage Options for Car Insurance in Iowa
Once you've purchased the minimum coverage required by law, it is up to you to determine how much auto insurance coverage you need. Many people choose to purchase collision coverage, which pays for the policyholder's damages after at-fault accidents. Collision usually goes hand in hand with comprehensive coverage, which pays for damages from events other than collisions, like a falling tree limb, natural disasters, or vandalism.
Personal injury protection and medical payments coverage are two options that pay for medical costs related to an accident. Rental car reimbursement coverage pays you back for the cost of your rental car while your own vehicle is in the shop. For a thorough understanding, refer to our detailed analysis titled "Steps To Handling An Accident With An Uninsured Driver"
Gap insurance, also called loan/lease payoff coverage, pays for the remainder of your loan if your car is totaled while you're still paying it off. Accident forgiveness is a type of optional coverage that allows you to be involved in one accident without your auto insurer raising your rates.
Understanding Auto Insurance Rate Calculations in Iowa
When searching and comparing auto insurance 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 used when providing you insurance company quotes, there are many factors that do contribute to the price you pay for your insurance. Among the factors that auto insurers consider are:
- Driving Record & Mileage
- Age, Gender, & Marital Status
- Your Car’s Make, Model, and Year
- Location
- Amount of Car Insurance Coverage
One of the biggest misunderstandings for many is the idea that insurance rates are based solely on your driving history and coverage amounts. While this is a major factor, insurance companies also consider things like how long you've been with the company, what you drive, and other risk factors.
Insurance companies also look at where you live when determining your liability and collision coverage for an average cost in your area. The part of town you live in can increase your risk due to crime, traffic, etc. For example, if you have an intersection near your house without a light, it's not within your control to change that, but it could still increase your rates because of the increase in accidents.
Nevertheless, drivers with a clean driving record and excellent credit score will generally see the most affordable car insurance rates. If you have poor credit or a driving history full of traffic violations, ask your insurance provider about auto insurance discounts. To expand your knowledge, refer to our comprehensive handbook titled "What Is a Driving Record and What Does It Track?"
Tips for Saving Money on Car Insurance in Iowa
The best way to get an auto insurance rate is by getting multiple quotes. Whether you're buying for the first time or looking to switch companies, different companies have different algorithms. You'll only know what's available if you have quotes from a few companies.
Make sure you're comparing like policies. In other words, if you have car rental coverage on one, make sure others have it as well. If your bodily injury is 20/40, don't compare it to a policy with 50/100 auto insurance coverage and expect the rates to be the same.
You should always make sure you have reliable coverage as a base. If your main concern is your annual premium, you can lower your car insurance premium. Here are five ways you may be able to lower your car insurance rates:
- Bundle Policies
- Raise Deductibles
- Pay in Full
- Try Usage-Based Insurance
- Shop for Better Rates
A usage-based insurance program uses an app or telematics device to monitor your driving habits, and you are rewarding with a discount for safe driving. Make sure to get quotes from multiple auto insurance providers before you buy an auto policy if you're looking for affordable rates. To gain profound insights, consult our extensive guide titled "Top Ways Customers Have Saved Money on Car Insurance Rates."
Ranking and Rating Iowa's Top Car Insurance Companies
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. For a comprehensive overview, explore our detailed resource titled "Tips We Learned After Filing An Car Insurance Claim."
Finding the Best and Cheapest Car Insurance in Iowa
Discover the best and cheapest car insurance options in Iowa with our top picks, including USAA, State Farm, and Nationwide, offering rates as low as $13/month. 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?
This guide examines how factors like driving history and vehicle type influence premiums and provides detailed comparisons and customer reviews to help you choose the right policy. Whether you're a teen, married couple, or senior, find tailored insurance solutions and start saving today. 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.
Avoid overpaying for your car insurance by entering your ZIP code below in our free comparison tool to find which company has the lowest rates.
Frequently Asked Questions
What is the best and cheapest insurance for car?
USAA, Nationwide, Travelers, Erie, Geico and Progressive are the cheapest car insurance companies nationwide, according to our analysis.
What type of car insurance is cheapest?
Typically, fully comprehensive insurance is the least expensive, though prices are influenced by individual circumstances.
What is full coverage in Iowa?
Full coverage insurance in Iowa is usually defined as a policy that provides more than the state's minimum liability coverage, which is $20,000 in bodily injury coverage per person, up to $40,000 per accident, and $15,000 in property damage coverage.
What insurance is required in Iowa?
Iowa law requires minimum liability coverage: $20,000 of bodily injury to or death of one person in any one accident; $40,000 because of bodily injury to or death of two or more persons in any one accident; and. $15,000 because of injury to or destruction of property of others in any one accident.
What happens if you drive without insurance in Iowa?
Iowa's penalties for driving without proof of insurance A $250 fine. Vehicle impoundment. 12-month license suspension for damages exceeding $1,500. Vehicle registration suspended.
What is the lowest level of car insurance?
The minimum amount of car insurance you'll typically need is state-required liability coverage. This allows you to pay for some, if not all, injuries and damages you're liable for in an accident.
What is the minimum car insurance in Iowa?
In Iowa, drivers must carry the state minimum car insurance coverage to legally operate a vehicle on the roadways. The required coverages with their minimum amounts are: $20,000 for bodily injury liability per person. $40,000 for bodily injury liability per accident.
Is there a grace period for car insurance in Iowa?
Iowa has a grace period of two to 30 days for you to add your car to your existing insurance plan. After that grace period is over, you will need to obtain minimum coverage to meet the state's financial responsibility laws, as Iowa law requires liability coverage.
Which type of car insurance is best?
Comprehensive Car Insurance Policy This type of insurance policy provides complete protection. It covers both third-party liabilities as well as damages to your vehicle. Also, with a comprehensive cover, you can get compensation if the accident results in your death; the family members will receive the benefit.
What is the lowest form of car insurance?
Liability insurance is generally the cheapest car insurance coverage because it only covers the cost of bodily injuries and property damages for another party if you're at fault for an accident. It doesn't cover damages to your vehicle or costs associated with your injuries.