Cheap Car Insurance In Iowa 2025

The Cheapest Car Insurance Companies in Iowa for Good Drivers

Cheapest for...	Company	Average monthly cost in Iowa	Learn more
20-year-olds	Travelers	$147	See Plans Via Forbes Advisor's Partner
30-year-olds	Travelers	$91	See Plans Via Forbes Advisor's Partner
40-year-olds	Travelers	$81	See Plans Via Forbes Advisor's Partner
50-year-olds	Travelers	$79	See Plans Via Forbes Advisor's Partner
60-year-olds	Travelers	$71	See Plans Via Forbes Advisor's Partner
70-year-olds	Travelers	$77	See Plans Via Forbes Advisor's Partner
80-year-olds	Travelers	$93	See Plans Via Forbes Advisor's Partner

Average rates are based coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state.
Source: Quadrant Information Services.
*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

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Cheap Car Insurance for 20-Year-Olds in Iowa

Young drivers in Iowa can face very high insurance costs, especially if you’re not on a parent’s auto insurance policy. In Iowa, these companies had the cheapest car insurance according to our evaluation.

Cheapest Full Coverage Car Insurance for 20-Year-Olds in Iowa

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Travelers: $147 a month
2. IMT: $169 a month
3. West Bend Mutual: $183 a month
4. Progressive: $192 a month
5. Cameron Mutual: $209 a month

Cheapest Minimum Coverage for 20-Year-Olds in Iowa

If you’re looking for only the minimum auto insurance in Iowa, check prices from these companies.

1. Hastings Mutual: $32 a month
2. Progressive: $40 a month
3. Grange Mutual: $44 a month
4. West Bend Mutual: $47 a month
5. Auto-Owners: $48 a month

Cheapest Auto Insurance for 20-Year-Olds in Iowa With Poor Credit

Poor credit can cause a steep increase in auto insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest rates in our analysis.

1. IMT: $226 a month
2. Travelers: $227 a month
3. Grange Mutual: $303 a month
4. Progressive: $324 a month
5. West Bend Mutual: $327 a month

Cheapest Auto Insurance for 20-Year-Olds in Iowa With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in Iowa for drivers with a speeding ticket.

1. Travelers: $181 a month
2. IMT: $200 a month
3. West Bend Mutual: $203 a month
4. Cameron Mutual: $209 a month
5. Progressive: $228 a month

Cheapest Car Insurance in Iowa for 20-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for Iowa drivers who caused an accident that injured someone else.

1. Travelers: $197 a month
2. Cameron Mutual: $209 a month
3. Progressive: $234 a month
4. State Farm: $253 a month
5. West Bend Mutual: $277 a month

Cheapest Auto Insurance for 20-Year-Olds in Iowa After a DUI

Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Iowa who have a DUI conviction.

1. Travelers: $207 a month
2. Progressive: $210 a month
3. State Farm: $237 a month
4. Cameron Mutual: $279 a month
5. IMT: $299 a month

Cheap Car Insurance for 30-Year-Olds in Iowa

Drivers age 30 in Iowa can find high insurance quotes depending on their driving record. Here’s a look at the cheapest companies for a variety of common driving records.

Cheapest Full Coverage Car Insurance for 30-Year-Olds in Iowa

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Travelers: $91 a month
2. West Bend Mutual: $97 a month
3. Pekin: $103 a month
4. Cameron Mutual: $112 a month
5. Progressive: $114 a month

Cheapest Minimum Coverage for 30-Year-Olds in Iowa

If you’re looking for only the minimum auto insurance in Iowa, check prices from these companies.

1. Hastings Mutual: $14 a month
2. Grange Mutual: $18 a month
3. Progressive: $19 a month
4. Auto-Owners: $20 a month
5. Pekin: $21 a month

Cheapest Auto Insurance for 30-Year-Olds in Iowa With Poor Credit

Poor credit can cause a large increase in car insurance rates compared to the same driver with good credit. We found these companies to have the cheapest rates in our analysis.

1. Travelers: $139 a month
2. IMT: $163 a month
3. West Bend Mutual: $173 a month
4. Grange Mutual: $176 a month
5. Cameron Mutual: $180 a month

Cheapest Auto Insurance for 30-Year-Olds in Iowa With a Speeding Ticket

Expect a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in Iowa for drivers with a speeding ticket.

1. Cameron Mutual: $112 a month
2. Travelers: $115 a month
3. West Bend Mutual: $125 a month
4. Pekin: $126 a month
5. State Farm: $139 a month

Cheapest Car Insurance in Iowa for 30-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for Iowa drivers who caused an accident that injured someone else.

1. Cameron Mutual: $112 a month
2. Travelers: $124 a month
3. Pekin: $134 a month
4. State Farm: $146 a month
5. Progressive: $167 a month

Cheapest Auto Insurance for 30-Year-Olds in Iowa After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Iowa who have a DUI conviction.

1. Progressive: $129 a month
2. Travelers: $131 a month
3. State Farm: $139 a month
4. Cameron Mutual: $144 a month
5. West Bend Mutual: $174 a month

Cheap Car Insurance for 40-Year-Olds in Iowa

Iowa drivers age 40 can typically save substantial money by comparing costs from multiple insurers. We looked at which companies offer the best quotes in Iowa, depending on your driving record.

Cheapest Full Coverage Car Insurance for 40-Year-Olds in Iowa

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Travelers: $81 a month
2. West Bend Mutual: $90 a month
3. Pekin: $96 a month
4. Progressive: $101 a month
5. Cameron Mutual: $103 a month

Cheapest Minimum Coverage for 40-Year-Olds in Iowa

If you’re looking for only the required auto insurance in Iowa, check rates from these companies.

1. Hastings Mutual: $12 a month
2. Progressive: $16 a month
3. Grange Mutual: $18 a month
4. Pekin: $19 a month
5. West Bend Mutual: $20 a month

Cheapest Auto Insurance for 40-Year-Olds in Iowa With Poor Credit

Poor credit can cause a steep increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.

1. Travelers: $124 a month
2. IMT: $151 a month
3. West Bend Mutual: $161 a month
4. Grange Mutual: $165 a month
5. Cameron Mutual: $166 a month

Cheapest Auto Insurance for 40-Year-Olds in Iowa With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis these companies have the cheapest car insurance in Iowa for drivers with a speeding ticket.

1. Cameron Mutual: $103 a month
2. Travelers: $108 a month
3. West Bend Mutual: $116 a month
4. Pekin: $118 a month
5. Progressive: $132 a month

Cheapest Car Insurance in Iowa for 40-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for Iowa drivers who caused an accident that injured someone else.

1. Cameron Mutual: $103 a month
2. Travelers: $116 a month
3. Pekin: $125 a month
4. State Farm: $141 a month
5. Progressive: $151 a month

Cheapest Auto Insurance for 40-Year-Olds in Iowa After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Iowa who have a DUI conviction.

1. Progressive: $114 a month
2. Travelers: $123 a month
3. State Farm: $133 a month
4. Cameron Mutual: $133 a month
5. West Bend Mutual: $163 a month

Cheap Car Insurance for 50-Year-Olds in Iowa

Iowa drivers in their 50s are enjoying the lowest rates they’ll get based on age. But a bad driving record can make cheap car insurance a challenge to find.

Cheapest Full Coverage Car Insurance for 50-Year-Olds in Iowa

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Travelers: $79 a month
2. West Bend Mutual: $83 a month
3. Progressive: $90 a month
4. Pekin: $92 a month
5. Cameron Mutual: $97 a month

Cheapest Minimum Coverage for 50-Year-Olds in Iowa

If you’re looking for only the minimum auto insurance in Iowa, check rates from these companies.

1. Hastings Mutual: $12 a month
2. Progressive: $15 a month
3. Grange Mutual: $17 a month
4. Pekin: $18 a month
5. West Bend Mutual: $19 a month

Cheapest Auto Insurance for 50-Year-Olds in Iowa With Poor Credit

Poor credit can cause a significant increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.

1. Travelers: $121 a month
2. IMT: $146 a month
3. West Bend Mutual: $149 a month
4. Grange Mutual: $153 a month
5. Progressive: $153 a month

Cheapest Auto Insurance for 50-Year-Olds in Iowa With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in Iowa for drivers with a speeding ticket.

1. Cameron Mutual: $97 a month
2. Travelers: $106 a month
3. West Bend Mutual: $107 a month
4. Pekin: $113 a month
5. Progressive: $120 a month

Cheapest Car Insurance in Iowa for 50-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for Iowa drivers who caused an accident that injured someone else.

1. Cameron Mutual: $97 a month
2. Travelers: $114 a month
3. Pekin: $120 a month
4. State Farm: $136 a month
5. Progressive: $139 a month

Cheapest Auto Insurance for 50-Year-Olds in Iowa After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Iowa who have a DUI conviction.

1. Progressive: $104 a month
2. Travelers: $120 a month
3. Cameron Mutual: $124 a month
4. State Farm: $128 a month
5. West Bend Mutual: $155 a month

Cheap Car Insurance for 60-Year-Olds in Iowa

Car insurance rates often begin to increase around age 65, even if you have a stellar driving record. We found the cheapest companies for Iowa drivers at age 60.

Cheapest Full Coverage Car Insurance for 60-Year-Olds in Iowa

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Travelers: $71 a month
2. West Bend Mutual: $84 a month
3. Progressive: $84 a month
4. Pekin: $91 a month
5. Cameron Mutual: $92 a month

Cheapest Minimum Coverage for 60-Year-Olds in Iowa

If you’re looking for only the required auto insurance in Iowa, check quotes from these companies.

1. Hastings Mutual: $12 a month
2. Progressive: $14 a month
3. Grange Mutual: $16 a month
4. Cameron Mutual: $19 a month
5. West Bend Mutual: $19 a month

Cheapest Auto Insurance for 60-Year-Olds in Iowa With Poor Credit

Poor credit can cause a significant increase in auto insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.

1. Travelers: $111 a month
2. IMT: $134 a month
3. Grange Mutual: $140 a month
4. Progressive: $143 a month
5. Cameron Mutual: $148 a month

Cheapest Auto Insurance for 60-Year-Olds in Iowa With a Speeding Ticket

Expect a rate increase at renewal time if you have received a speeding ticket. In our analysis these companies have the cheapest car insurance in Iowa for drivers with a speeding ticket.

1. Cameron Mutual: $92 a month
2. Travelers: $101 a month
3. West Bend Mutual: $108 a month
4. Pekin: $111 a month
5. Progressive: $114 a month

Cheapest Car Insurance in Iowa for 60-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for Iowa drivers who caused an accident that injured someone else.

1. Cameron Mutual: $92 a month
2. Travelers: $108 a month
3. Pekin: $119 a month
4. State Farm: $127 a month
5. Progressive: $132 a month

Cheapest Auto Insurance for 60-Year-Olds in Iowa After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Iowa who have a DUI conviction.

1. Progressive: $98 a month
2. Travelers: $114 a month
3. Cameron Mutual: $118 a month
4. State Farm: $119 a month
5. West Bend Mutual: $159 a month

Cheap Car Insurance for 70-Year-Olds in Iowa

Iowa drivers age 70 are looking at higher rates due to age. But relatively cheap auto insurance can still be found by comparing rates from a few companies.

Cheapest Full Coverage Car Insurance for 70-Year-Olds in Iowa

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Travelers: $77 a month
2. Progressive: $88 a month
3. Cameron Mutual: $94 a month
4. Pekin: $95 a month
5. West Bend Mutual: $95 a month

Cheapest Minimum Coverage for 70-Year-Olds in Iowa

If you’re looking for only the required auto insurance in Iowa, check rates from these companies.

1. Progressive: $16 a month
2. Hastings Mutual: $17 a month
3. Grange Mutual: $20 a month
4. Cameron Mutual: $21 a month
5. Pekin: $23 a month

Cheapest Auto Insurance for 70-Year-Olds in Iowa With Poor Credit

Poor credit can cause a significant increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.

1. Travelers: $123 a month
2. IMT: $127 a month
3. Grange Mutual: $143 a month
4. Progressive: $149 a month
5. Cameron Mutual: $152 a month

Cheapest Auto Insurance for 70-Year-Olds in Iowa With a Speeding Ticket

Expect a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in Iowa for drivers with a speeding ticket.

1. Cameron Mutual: $94 a month
2. Travelers: $112 a month
3. IMT: $113 a month
4. Pekin: $116 a month
5. State Farm: $122 a month

Cheapest Car Insurance in Iowa for 70-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for Iowa drivers who caused an accident that injured someone else.

1. Cameron Mutual: $94 a month
2. Travelers: $122 a month
3. Pekin: $124 a month
4. State Farm: $131 a month
5. Progressive: $144 a month

Cheapest Auto Insurance for 70-Year-Olds in Iowa After a DUI

Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Iowa who have a DUI conviction.

1. Progressive: $103 a month
2. State Farm: $122 a month
3. Cameron Mutual: $123 a month
4. Travelers: $128 a month
5. IMT: $169 a month

Cheapest Car Insurance In Des Moines, Iowa

Cheapest for . . .	Company	Average monthly cost in Des Moines	Learn more
Good drivers	Hastings	$58	See Plans Via Forbes Advisor's Partner
Drivers with a speeding ticket	Hastings	$69	See Plans Via Forbes Advisor's Partner
Drivers who caused an accident with injury	Hastings	$86	See Plans Via Forbes Advisor's Partner
Drivers with a DUI	Travelers	$119	See Plans Via Forbes Advisor's Partner
Driver with poor credit	Hastings	$96	See Plans Via Forbes Advisor's Partner

*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

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Cheapest Car Insurance In Cedar Rapids, Iowa

Cheapest for . . .	Company	Average monthly cost in Cedar Rapids	Learn more
Good drivers	Hastings	$50	See Plans Via Forbes Advisor's Partner
Drivers with a speeding ticket	Hastings	$59	See Plans Via Forbes Advisor's Partner
Drivers who caused an accident with injury	Hastings	$74	See Plans Via Forbes Advisor's Partner
Drivers with a DUI	Progressive	$107	See Plans Via Forbes Advisor's Partner
Driver with poor credit	Hastings	$82	See Plans Via Forbes Advisor's Partner

*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

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Cheapest Car Insurance In Davenport, Iowa

Cheapest for . . .	Company	Average monthly cost in Davenport	Learn more
Good drivers	Hastings	$50	See Plans Via Forbes Advisor's Partner
Drivers with a speeding ticket	Hastings	$59	See Plans Via Forbes Advisor's Partner
Drivers who caused an accident with injury	Hastings	$72	See Plans Via Forbes Advisor's Partner
Drivers with a DUI	Progressive	$111	See Plans Via Forbes Advisor's Partner
Driver with poor credit	Hastings	$82	See Plans Via Forbes Advisor's Partner

*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

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How to Find Cheap Car Insurance in Iowa

If you want budget-friendly car insurance in Iowa, a few simple strategies can make a lot of difference. The best car insurance options for you will combine a good rate with the coverage features you want.

Compare Rates from Multiple Car Insurance Companies

If you’re looking for cheap car insurance in Iowa, an essential action is to compare costs from several companies. Only by getting a range of rates will you know what a good deal looks like.

Consider Switching Companies When Your Driving Record Changes

In some cases switching car insurance companies can result in a much better car insurance bill. This is especially true if your driving record has changed. A company that has cheap Iowa car insurance for good drivers may not have low rates for drivers with tickets or accidents on their records.

Regularly Review Your Auto Insurance Policy

If you haven’t taken a look at your car policy in a long time, it may be a smart move to assess your coverage details. There may be coverage you no longer want, such as roadside assistance coverage.

Rethink Your Deductible

You may be able to discover savings if you have collision and comprehensive insurance. By raising your auto insurance deductible you can lower your insurance bill. Simply contact your insurance agent to ask how much you can save at various deductible amounts.

Keep an Eye on Car Insurance Discounts

Many car insurance discounts are subtracted from your policy automatically, but there may be other car insurance discounts your insurance company doesn’t know you’re eligible for. Ask your insurance company for a review of possible discounts. For example, if you are working from home or retired and are driving fewer annual miles, you may be eligible for a cheaper car insurance rate.

Take Advantage of Bundling

You can often get sizeable savings by bundling auto insurance with homeowners insurance, condo or renters insurance, we found that the average discount for bundling is 14%.

Get Savings for Your Insurance Payment Strategy

Your car insurance payment method can lead to further discounts. These discounts are generally small, but they are easy to get. Paying your entire car insurance premium upfront typically garners a price cut, for example. If you’re paying monthly, your insurer may offer a discount for electronic payment transfers.

No matter how you pay, going paperless could be another discount.

Methodology

Except where otherwise noted, average rates are based on a female driver insuring a new RAV4 with coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state. Average rates for cities are based on a 40-year-old female good driver with the above coverage. Source: Quadrant Information Services.