Insuring your car in Iowa can be a pleasant experience. Several insurance companies in Iowa provide low-cost car insurance. In Iowa, the average annual cost of car insurance is $252 for basic coverage and $1,260 for comprehensive coverage. On average, Iowa has some of the lowest car insurance rates in the country.
Like with all states, if you live in Iowa, stay alert on the roads. The National Highway Traffic and Safety Association found that the majority of crashes and deaths in the state are due to drivers swerving off the road in rural areas. The state also has one of the highest rates of car-deer collisions in the country. As a result, comprehensive car insurance that includes coverage for your vehicle if you hit an animal may be advantageous.
Cheapest auto insurance in Iowa for 2021
Although finding the cheapest auto insurance in Iowa was a priority, we also considered coverages, discounts, and customer satisfaction ratings.
If you are looking for the cheapest car insurance in Iowa, you should start by obtaining quotes from the following companies:
USAA
According to our research, USAA provides the cheapest auto insurance in Iowa for both minimum and full coverage. The company, however, only sells insurance to active-duty and retired military personnel, as well as their immediate family members. Although USAA's eligibility restrictions prevent it from being officially ranked, the company did earn the most points in the Central region, which includes Iowa, in the 2020. Auto Insurance Study.
In addition to its already low average rates, USAA provides numerous ways to save. You may be eligible for a discount if you insure a new vehicle, are a safe driver, or drive a low number of miles per year. The company also provides military-focused discounts, such as discounts for parking your vehicle on a military base or storing it while you are deployed.
Iowa Farm Bureau
If you're looking for a provider with low average rates but don't qualify for USAA coverage, Iowa Farm Bureau might be a good option. You may be able to save even more money by taking advantage of the company's Driveology telematics discount or Young Driver Safety programme. You could also save money by not filing claims, driving a low annual mileage, or bundling your home and auto insurance.
You may also want to customise your coverage by including options such as roadside assistance or replacement cost coverage. In addition, if you own a motorcycle, farm vehicle, or recreational vehicle, Farm Bureau offers insurance for those as well.
Geico
Geico's average Iowa rates are slightly lower than the state average, but the company offers a variety of discounts to help you keep your premium low. You could save money if your car has certain vehicle safety features, if you are a member of the military or a federal employee, if you are a good student, or if you wear your seatbelt.
Geico's technology may impress you if you want to manage your insurance digitally. The company's online customer portal is robust, and the mobile app has received high ratings on the App Store and Google Play. You can view ID cards, make a payment, call for roadside assistance, file a claim, or change your policy from within the app.
Auto-Owners
Auto-Owners is a regional carrier, so it may be less well-known than some of the other companies on our list. However, the company provides an excellent auto insurance product. Auto-Owners has the highest average full coverage rate of any carrier on our list, but the higher premium includes a variety of unique coverage options, such as the Personal Automobile Plus package, which includes identity theft coverage and cell phone coverage.
Auto-Owners also provides a variety of discounts to help policyholders reduce their premiums. Paying in full, bundling your home and auto policies, enrolling in paperless statements, getting a quote before your current policy expires, and having a life insurance policy with Auto-Owners could all save you money.
Progressive
Progressive is another low-cost auto insurance provider in Iowa. The Name Your Price tool lets you enter the amount you're willing to pay and then populates a list of coverage options that fit within your budget. Animal lovers with Progressive collision coverage will appreciate the fact that their pets are also covered in the event of an accident. If pets in the vehicle are injured in a car accident, the carrier will pay for veterinary expenses.
Progressive also provides a variety of discounts to help you reduce your premium. You could save money if you get your quote and buy your policy online, if you are a homeowner, if you insure a good student, or if you participate in Progressive's Snapshot driver programme.
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