Cheapest Car Insurance in Iowa
Numbers refreshed
Where Iowa publishes insurer prices, companies are ranked by them. There are ways to cut your own bill as well.
- $36.what the legal minimum costs per month on average.
- 20/40/15.the minimum liability limits.
- 44th of 51.the most expensive state (1st = highest).
Which insurers cost the least in Iowa
Iowa publishes no insurer price comparison, so you can't rank every company there from official figures. On average, the cheapest legal policy costs $427 a year, or about $36 a month (NAIC).
Get the same limits and deductibles quoted by at least three insurers. Direct writers, local agents and regional companies often quote very different prices for a single driver.
Ways to spend less
- Keep the state minimum only on an old car you could replace with cash: dropping collision and comprehensive saves $706 a year on the Iowa average.
- Raise your deductible, and what you save in a year often beats the extra amount one claim adds.
- Request every discount by name: bundling home and auto, safe-driving apps, good student, multi-car, paying in full.
- Compare prices again each time your policy renews. If your price goes up, that doesn't mean other companies did too.
First written