{"id":324698,"date":"2025-11-11T19:52:27","date_gmt":"2025-11-12T00:52:27","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=88631"},"modified":"2025-11-11T19:52:27","modified_gmt":"2025-11-12T00:52:27","slug":"best-in-iowa","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/best-in-iowa\/","title":{"rendered":"The Best Iowa Auto Insurance Companies"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"The Best Iowa Auto Insurance Company Review\"><\/span>\n    \n\n\n<p>Iowa drivers still enjoy some of the lowest auto insurance rates in the nation. Although recent years have brought cost pressure from inflation and more severe convective storms, the state\u2019s below-average share of uninsured motorists helps keep premiums comparatively low. When looking for the <a href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\">best car insurance<\/a> in Iowa, we considered affordability, customer support, coverage options, customer satisfaction, and online resources. Based on 2024 studies, statewide averages are roughly about $275 per year for minimum coverage and about $1,400 per year for full coverage (your price will vary by driver profile). Whatever you\u2019re looking for in a car insurance company, Iowa drivers are likely to find a good fit.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"picks\" title=\"Our Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 4 Best Auto Insurance Companies in Iowa<\/h2>\n\n\n\n<ul><li><strong>Geico:<\/strong> Best for discounts<\/li><li><strong>Auto-Owners:<\/strong> Best for customer satisfaction<\/li><li><strong>American Family:<\/strong> Best for low rates<\/li><li><strong>USAA:<\/strong> Best for military-centric options<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"table\" title=\"Comparison Table\"><\/span>\n    \n\n\t\t\n<section id=\"block_5fd3a2d1df620\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best Car Insurance Companies in Iowa<\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Price for State Minimum*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Price for Full Coverage*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best Financial Strength\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power Overall Customer Satisfaction\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_5fd3a2d1df620-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Geico<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$223<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,253<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>845<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fd3a2d1df620-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Auto-Owners<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$230<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,283<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>845<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fd3a2d1df620-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">American Family<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$405<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,124<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>839<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fd3a2d1df620-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$208<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,026<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>897<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\t\t\n<section id=\"block_5fd3a37ddf626\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\"><\/h2>\n\n\t<\/section>\n\n\n\n<p><em>Information updated as of 2025. Company-specific figures shown in tables may reflect earlier datasets; statewide averages and market context below reflect 2024 studies.<\/em><\/p>\n\n\n\n<p><em>* Recent statewide averages are informed by multiple 2024 market studies (e.g., Bankrate, NerdWallet, ValuePenguin, The Zebra); methodologies differ and individual quotes vary.<\/em><\/p>\n\n\n\n<p><em>** J.D. Power U.S. Auto Insurance Study rating for the Central region. Based on a 1,000-point scale. USAA not officially ranked due to eligibility restrictions. <\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"best1\" title=\"Geico: Best for discounts\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Geico<\/h2>\n\n\n                                                \n\n\n<section id=\"geico\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Geico<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Geico often posts competitive rates for Iowa drivers and pairs broad discount opportunities with strong digital tools and solid satisfaction in many regional studies.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?refer=Auto_Geico&#038;rvitemid=342882-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,253*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">845**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Geico often posts competitive rates for Iowa drivers and pairs broad discount opportunities with strong digital tools and solid satisfaction in many regional studies.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>High customer satisfaction<\/li>\n                            <li>Excellent digital tools<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>No gap coverage<\/li>\n                                        <li>Few local agents<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Liability<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Medical<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Uninsured &amp; underinsured motorist<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Collision<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Comprehensive<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Emergency road service<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rental reimbursement<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Mechanical breakdown<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Vehicle safety features<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Good driver<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Seat belt use<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Defensive driving<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Driver\u2019s education course<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Good student<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Emergency deployment<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Federal employee<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Membership &amp; employee<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Military<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-vehicle<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Geico Insurance Reviews<\/h4>\n                <div> <ul class=\"rich-text editor-rich-text__editable block-editor-rich-text__editable is-selected\" role=\"textbox\" contenteditable=\"true\" aria-multiline=\"true\" aria-label=\"Write list\u2026\">\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-review\/\" data-rich-text-format-boundary=\"true\">Geico Auto Insurance Review <\/a><\/li>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-review\/\" data-rich-text-format-boundary=\"true\">Geico Homeowners Insurance Review <\/a><\/li>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-review\/\" data-rich-text-format-boundary=\"true\">Geico vs. Progressive Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best2\" title=\"Auto-Owners: Best for customer satisfaction\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Auto-Owners<\/h2>\n\n\n                                                \n\n\n<section id=\"auto-owners-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Auto-Owners Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for customer satisfaction<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Auto-Owners is widely recognized for strong customer satisfaction and competitive pricing in the Midwest, delivered through a robust network of independent agents.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=308178-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,283*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">845**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Auto-Owners is widely recognized for strong customer satisfaction and competitive pricing in the Midwest, delivered through a robust network of independent agents.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Top-rated customer satisfaction<\/li>\n                            <li>Many coverage options<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>No online quotes<\/li>\n                                        <li>Few digital tools and services<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Collision<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Comprehensive<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Liability<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Medical payments<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Personal injury protection<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Uninsured &amp; underinsured motorist<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Road trouble service<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Additional expense<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Loan gap\/lease gaps<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Diminished value<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Personal automobile plus<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Common loss deductible<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rental cars<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Payment history<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Green discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-car<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Deductibles<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Student discounts<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Life multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Paid-in-full<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Advance quote<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Safety features<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Favorable loss<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Auto-Owners Insurance Reviews<\/h4>\n                <div> <ul class=\"rich-text editor-rich-text__editable block-editor-rich-text__editable is-selected\" role=\"textbox\" contenteditable=\"true\" aria-multiline=\"true\" aria-label=\"Write list\u2026\">\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/auto-owners-review\/\" data-rich-text-format-boundary=\"true\">Auto-Owners Auto Insurance Review <\/a><\/li>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/auto-owners-review\/\" data-rich-text-format-boundary=\"true\">Auto-Owners Home Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best4\" title=\"American Family: Best for low rates\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">American Family<\/h2>\n\n\n                                                \n\n\n<section id=\"american-family\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">American Family<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for low rates<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                American Family often offers competitive full coverage pricing in Iowa across recent market studies, with a wide menu of discounts and coverage options.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=315496-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,124*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">839**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                American Family often offers competitive full coverage pricing in Iowa across recent market studies, with a wide menu of discounts and coverage options.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Many discounts available<\/li>\n                            <li>Lots of coverage options<\/li>\n                            <li>Many options for young drivers<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Below-average customer satisfaction<\/li>\n                                        <li>Only available in 19 states<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Collision<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Comprehensive<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Liability<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Medical expense<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Personal injury protection<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Gap coverage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Uninsured &amp; underinsured motorist<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rental reimbursement<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Emergency road service<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Accidental death &amp; dismemberment<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-vehicle<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Loyalty<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Early bird<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-product<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Steer into savings<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Auto safety equipment<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Defensive driver<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Good driving<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Low mileage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">KnowYourDrive<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Good student<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Teen safe driver<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Away at school<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Young volunteer<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Generational<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Auto-pay<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Customer full pay<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Paperless billing<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More American Family Insurance Reviews<\/h4>\n                <div> <ul class=\"rich-text editor-rich-text__editable block-editor-rich-text__editable is-selected\" role=\"textbox\" contenteditable=\"true\" aria-multiline=\"true\" aria-label=\"Write list\u2026\">\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/american-family-review\/\" data-rich-text-format-boundary=\"true\">American Family Auto Insurance Review <\/a><\/li>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/american-family-review\/\" data-rich-text-format-boundary=\"true\">American Family Home Insurance Review <\/a><\/li>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/american-family-review\/\" data-rich-text-format-boundary=\"true\">American Family Renters Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best5\" title=\"USAA: Best for military-centric options\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">USAA<\/h2>\n\n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for military-centric options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                USAA offers affordable, highly rated auto insurance tailored to military members and their families, with perks that reflect frequent moves and deployments.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325307-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare Rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,026*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">897**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                USAA offers affordable, highly rated auto insurance tailored to military members and their families, with perks that reflect frequent moves and deployments.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Low annual premiums<\/li>\n                            <li>Top-rated customer satisfaction<\/li>\n                            <li>Perks for military families<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Only available to current and former military members and their families<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Comprehensive<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Collision<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Liability<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Uninsured &amp; underinsured driver<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Personal injury protection<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Roadside assistance<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rental reimbursement<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Accident forgiveness<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Car replacement<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Safe driver<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Defensive driving<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Driver training<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Good student<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">New vehicle<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-vehicle<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Annual mileage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Vehicle storage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Family discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Length of membership<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Military installation<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">No payment plan fees<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More USAA Insurance Reviews<\/h4>\n                <div> <ul class=\"rich-text editor-rich-text__editable block-editor-rich-text__editable is-selected\" role=\"textbox\" contenteditable=\"true\" aria-multiline=\"true\" aria-label=\"Write list\u2026\">\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\" data-rich-text-format-boundary=\"true\">USAA Auto Insurance Review <\/a><\/li>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\" data-rich-text-format-boundary=\"true\">USAA Homeowners Insurance Review <\/a><\/li>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\" data-rich-text-format-boundary=\"true\">USAA Renters Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em> * Recent statewide averages reflect 2024 market studies and may differ from historical company snapshots. <\/em><\/p>\n\n\n\n<p><em>**J.D. Power&#8217;s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-auto-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\">U.S. Auto Insurance Study<\/a> rating for the Central region. Based on a 1,000-point scale.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cost1\" title=\"The Average Cost of Car Insurance in Iowa\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Average Cost of Car Insurance in Iowa<\/h2>\n\n\n\n<p>Iowa is one of the least expensive states in the nation for auto insurance, though premiums rose sharply through 2023\u20132024. Across recent studies, Iowa drivers pay about $275 on average for minimum coverage and roughly $1,400 per year for <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/full-coverage\/\">full coverage policies<\/a>. Rates vary widely by company and profile. Your driving record, age, vehicle, location, and <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/how-credit-scores-affects-rates\/\">credit score<\/a> all help determine your car insurance rates.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cost2\" title=\"Top 3 Cheapest Car Insurance Companies in Iowa\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Car Insurance Companies in Iowa<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Hastings Mutual<\/td><td>Typically below state average (varies by driver profile)<\/td><\/tr><tr><td>Pekin<\/td><td>Typically below state average (varies by driver profile)<\/td><\/tr><tr><td>West Bend<\/td><td>Typically below state average (varies by driver profile)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Directional only. Company pricing varies by profile; current statewide averages from 2024 studies place Iowa roughly $1,250\u2013$1,550 for full coverage and $230\u2013$320 for minimum coverage.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cost3\" title=\"Top 3 Most Expensive Car Insurance Companies in Iowa\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Car Insurance Companies in Iowa<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Allstate<\/td><td>Often above state average (varies by driver profile)<\/td><\/tr><tr><td>Grinnell Mutual<\/td><td>Often above state average (varies by driver profile)<\/td><\/tr><tr><td>Donegal<\/td><td>Often above state average (varies by driver profile)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Directional only; actual premiums depend on individual rating factors and market conditions.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cost4\" title=\"Top 3 Cheapest Cities for Car Insurance in Iowa \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Cities for Car Insurance in Iowa\u00a0<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Ames<\/td><td>$1,350\u2013$1,500<\/td><\/tr><tr><td>Iowa City<\/td><td>$1,400\u2013$1,500<\/td><\/tr><tr><td>Dubuque<\/td><td>$1,400\u2013$1,500<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Recent 2024 studies consistently place these cities below the Iowa statewide average for full coverage; exact figures vary by source and profile.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cost5\" title=\"Top 3 Most Expensive Cities for Car Insurance in Iowa \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Cities for Car Insurance in Iowa\u00a0<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Des Moines<\/td><td>$1,600\u2013$1,900<\/td><\/tr><tr><td>Council Bluffs<\/td><td>$1,600\u2013$1,800<\/td><\/tr><tr><td>Sioux City<\/td><td>$1,600\u2013$1,700<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Directional 2024 ranges for a standardized full-coverage profile; real quotes vary by ZIP code, carrier, and personal factors.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"guide\" title=\"Guide to Iowa Car Insurance \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Guide to Iowa Car Insurance&nbsp;<\/h2>\n\n\n\n<p>Like most states, Iowa requires drivers to carry liability insurance to cover damages if they are at fault for an accident. Proof of financial liability coverage (including electronic proof) is required; failure to comply can result in a suspension of your driver&#8217;s license and vehicle license plates.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Iowa Minimum Insurance Requirements<\/h3>\n\n\n\n<p>Iowa law requires drivers to carry both bodily injury and property damage liability insurance. Insurers must offer uninsured and underinsured motorist coverage, but you may reject these in writing; they are not mandatory.<\/p>\n\n\n\n<p><strong>Minimum liability required in the state of Iowa is divided as follows:<\/strong><\/p>\n\n\n\n<ul><li>$20,000 for bodily injury or death to one person<\/li><li>$40,000 for bodily injury or death to multiple persons<\/li><li>$15,000 for property damage in an accident<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Iowa\u2019s At-Fault Law<\/h3>\n\n\n\n<p>Under the Iowa Motor Vehicle Financial and Safety Responsibility Act, drivers who are found to be at-fault for an accident must cover any financial responsibilities that result from it. Iowa is a tort (at-fault) state, and the minimum liability insurance requirements are designed to help ensure drivers can cover their liabilities.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"add-ons\" title=\"Car Insurance Add-Ons That Will Further Protect You \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Car Insurance Add-Ons That May Further Protect You\u00a0<\/h2>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/is-gap-insurance-worth-it\/\"><strong>Gap coverage<\/strong><\/a><strong>: <\/strong>If you total your car in an accident, you may end up in a situation where your car isn\u2019t worth as much as you owe on your auto loan. With gap coverage, your insurance carrier covers the difference.<\/li><li><strong>Roadside assistance: <\/strong>If you find yourself stranded somewhere, your insurer\u2019s roadside assistance service can send someone for towing service, battery jump, tire change, and more.<\/li><li><strong>New car replacement: <\/strong>If you have a new car and are in an accident, your new car replacement coverage will ensure you can replace your vehicle with another new one.<\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/why-you-need-rideshare-insurance\/\"><strong>Rideshare coverage<\/strong><\/a><strong>: <\/strong>Personal auto policies often exclude app-based driving; a rideshare endorsement helps close gaps when the app is on but you\u2019re waiting for a request, and many major insurers now offer this option.<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Iowa Car Insurance FAQ \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Iowa Car Insurance FAQ\u00a0<\/h2>\n\n\n<div id=\"block_61f7f20c4230c\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the minimum car insurance required in Iowa?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Iowa drivers must carry both bodily injury and property damage liability insurance in the following amounts: $20,000 for one person, $40,000 for multiple persons, and $15,000 for property. UM and UIM must be offered by insurers but are optional for drivers.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61f7f2244230d\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the average auto insurance cost in Iowa?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Based on 2024 statewide studies, Iowa drivers pay roughly $275 per year for the state\u2019s minimum coverage and about $1,400 per year for a full coverage policy. Your rates will vary based on personal rating factors and the insurer you choose.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61f7f2434230e\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the cheapest car insurance company in Iowa?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">There isn\u2019t a single cheapest company for every driver. Prices vary by profile, location and coverage, and different 2024 studies rank carriers differently. To find the best price, compare quotes from several insurers (including regional carriers) and look for discounts for good drivers, bundling and telematics participation.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"method\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers.&nbsp;<\/p>\n\n\n\n<p>As for average pricing, we reference 2024 statewide studies of car insurance in Iowa (with Bankrate\u2019s standardized profile as a primary benchmark) to reflect current market conditions. For full coverage, the details used were the following:<\/p>\n\n\n\n<ul><li>$100,000 bodily injury liability per person<\/li><li>$300,000 bodily injury liability per accident<\/li><li>$50,000 property damage liability per accident<\/li><li>$100,000 uninsured motorist bodily injury per person<\/li><li>$300,000 uninsured motorist bodily injury per accident<\/li><li>$500 collision deductible<\/li><li>$500 comprehensive deductible<\/li><\/ul>\n\n\n\n<p>To determine minimum coverage limits, Bankrate used minimum coverage that meets each state\u2019s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.&nbsp;<br>These are sample rates and should only be used for comparative purposes. \n\n<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Iowa drivers still enjoy some of the lowest auto insurance rates in the nation. Although recent years have brought cost pressure from inflation and more severe convective storms, the state\u2019s below-average share of uninsured motorists helps keep premiums comparatively low. When looking for the best car insurance in Iowa, we considered affordability, customer support, coverage [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":358704,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1266],"tags":[],"post_author":[23280],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Iowa Auto Insurance Companies - Reviews.com<\/title>\n<meta name=\"description\" content=\"The Reviews team evaluated factors such as pricing, coverage options &amp; customer satisfaction surveys to choose the top 5 auto insurance companies in Iowa.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-iowa\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Best Iowa Auto Insurance Companies - 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