Iowa car insurance
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Iowa car insurance quotes
Car insurance in Iowa costs $1,696 per year on average, which is 27% less than the national average. In October 2025, the average cost of minimum coverage in Iowa was $903 and the cost of full coverage was $1,839.
| City | Average cost of car insurance per month |
|---|---|
| Des Moines | $134 |
| Cedar Rapids | $112 |
| Davenport | $122 |
| Council Bluffs | $162 |
| Sioux City | $123 |
Iowa car insurance requirements
Here’s a look at the minimum coverage amounts required by law in Iowa.
| Coverage | Minimum amount required by Iowa |
|---|---|
| Bodily injury coverage | $20,000 per person / $40,000 total per accident |
| Property damage coverage | $15,000 per accident |
While the minimum coverage amounts above satisfy Iowa’s requirements, it’s typically a good idea to carry additional protection to make sure you’re adequately covered in an accident. Consider adding more coverage, including collision and comprehensive coverage, and increasing your policy limits.
How to save money on car insurance in Iowa
To save money and find the cheapest car insurance in Iowa, you can compare quotes, bundle your policies, increase your deductible and take advantage of discounts you may qualify for. Start by reviewing the most affordable insurance companies where you live.
| Insurer | Full coverage (average cost per month) | Average savings per month (compared to state average) |
|---|---|---|
| Liberty Mutual | $73 | 52% savings |
| GEICO | $100 | 35% savings |
| Root | $110 | 28% savings |
| National General | $135 | 12% savings |
| Progressive | $138 | 10% savings |
| SAFECO | $144 | 6% savings |
| Bristol West | $184 | 20% more |
| Dairyland Insurance | $218 | 42% more |
| Insurer | Minimum coverage (average cost per month) | Average savings per month (compared to state average) |
|---|---|---|
| GEICO | $50 | 34% savings |
| SAFECO | $55 | 27% savings |
| Root | $61 | 18% savings |
| National General | $62 | 17% savings |
| Progressive | $63 | 16% savings |
| Bristol West | $66 | 12% savings |
| Dairyland Insurance | $74 | 2% savings |
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Car insurance by state
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Frequently asked questions
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