Best Cheap Auto Insurance in Iowa City, IA (2021)

The average Iowa City, IA auto insurance rates are $222 per month. The minimum auto insurance in Iowa City is at least 20/40/15 in coverage to comply with Iowa auto insurance laws. To find the best cheap auto insurance in Iowa City, Iowa, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The average commute length in Iowa City is 17.0 minutes
  • The most expensive auto insurance company in Iowa City for teen drivers is Travelers
  • The cheapest auto insurance company in Iowa City is USAA

Iowa City, Iowa auto insurance requirements are 20/40/15 according to Iowa auto insurance laws. Finding cheap auto insurance in Iowa City can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Iowa City, Iowa, including driving record, credit, commute time, and more.

Compare auto insurance in Iowa City to other Iowa cities, including Sioux City auto insurance rates, Waterloo auto insurance rates, and Ames auto insurance rates to see how Iowa City, Iowa auto insurance rates stack up.

Before you buy Iowa City, Iowa auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Iowa City, Iowa auto insurance quotes.

Minimum Auto Insurance in Iowa City, Iowa

Iowa City, Iowa auto insurance laws require that you have at least the Iowa minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Iowa City, Iowa.

Minimum Required Auto Insurance Coverage in Iowa City, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Cheap Iowa City, Iowa Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Iowa City, Iowa are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Iowa City, Iowa

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,779 $1,709 $1,584 $1,612 $5,110 $5,751 $1,933 $1,987
American Family $1,732 $1,732 $1,553 $1,553 $4,672 $6,515 $1,732 $2,081
Farmers $1,456 $1,484 $1,302 $1,426 $4,453 $4,750 $1,975 $2,111
GEICO $1,486 $1,336 $1,369 $1,268 $3,478 $3,227 $1,381 $1,264
Liberty Mutual $1,824 $1,976 $1,612 $1,956 $9,039 $10,168 $2,065 $2,273
Nationwide $1,561 $1,600 $1,395 $1,485 $3,603 $4,646 $1,769 $1,920
Progressive $1,532 $1,464 $1,269 $1,313 $3,960 $4,459 $1,845 $1,999
State Farm $1,322 $1,322 $1,180 $1,180 $3,863 $4,859 $1,492 $1,718
Travelers $2,222 $2,263 $2,181 $2,180 $10,065 $15,986 $2,321 $2,712
USAA $1,074 $1,078 $995 $1,002 $2,994 $3,154 $1,278 $1,403

Cheap Iowa City, Iowa Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Iowa City, Iowa is a challenge. Take a look at the annual teen auto insurance rates in Iowa City, Iowa.

Annual Auto Insurance Rates for Teen Drivers in Iowa City, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,110 $5,751
American Family $4,672 $6,515
Farmers $4,453 $4,750
GEICO $3,478 $3,227
Liberty Mutual $9,039 $10,168
Nationwide $3,603 $4,646
Progressive $3,960 $4,459
State Farm $3,863 $4,859
Travelers $10,065 $15,986
USAA $2,994 $3,154

Cheap Iowa City, Iowa Auto Insurance for Seniors

What are senior auto insurance rates in Iowa City, Iowa? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Iowa City, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,584 $1,612
American Family $1,553 $1,553
Farmers $1,302 $1,426
GEICO $1,369 $1,268
Liberty Mutual $1,612 $1,956
Nationwide $1,395 $1,485
Progressive $1,269 $1,313
State Farm $1,180 $1,180
Travelers $2,181 $2,180
USAA $995 $1,002

Cheap Iowa City, Iowa Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Iowa City, Iowa compared to the annual auto insurance rates with a clean record in Iowa City, Iowa.

Annual Iowa City, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,284 $2,759 $3,138 $2,552
American Family $1,945 $2,863 $3,693 $2,285
Farmers $2,019 $2,506 $2,544 $2,410
GEICO $1,373 $1,956 $2,605 $1,471
Liberty Mutual $3,337 $4,134 $4,205 $3,781
Nationwide $1,635 $2,336 $3,173 $1,846
Progressive $1,788 $2,958 $1,940 $2,234
State Farm $1,941 $2,293 $2,117 $2,117
Travelers $3,623 $4,856 $6,509 $4,976
USAA $1,236 $1,667 $2,165 $1,421

Cheap Iowa City, Iowa Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Iowa City, Iowa is not easy. Compare the annual rates for DUI auto insurance in Iowa City, Iowa to find the best deal.

Annual Auto Insurance Rates After a DUI in Iowa City, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,138
American Family $3,693
Farmers $2,544
GEICO $2,605
Liberty Mutual $4,205
Nationwide $3,173
Progressive $1,940
State Farm $2,117
Travelers $6,509
USAA $2,165

Cheap Iowa City, Iowa Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Iowa City, Iowa annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Iowa City, Iowa

Insurance Company Poor Fair Good
Allstate $3,204 $2,550 $2,296
American Family $3,435 $2,526 $2,128
Farmers $2,717 $2,256 $2,137
GEICO $2,220 $1,851 $1,482
Liberty Mutual $5,495 $3,412 $2,686
Nationwide $2,724 $2,141 $1,877
Progressive $2,617 $2,133 $1,940
State Farm $3,014 $1,865 $1,471
Travelers $5,605 $4,796 $4,572
USAA $2,121 $1,469 $1,277

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Cheap Iowa City, Iowa Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Iowa City, Iowa can vary. Compare the annual cost of auto insurance by ZIP code in Iowa City, Iowa to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Iowa City, Iowa

ZIP Code Average Annual Rates
52240 $2,310
52242 $2,202
52243 $2,207
52245 $2,291
52246 $2,291

Cheap Iowa City, Iowa Auto Insurance Rates By Commute

Commute length and annual mileage affect Iowa City, Iowa auto insurance. Find the cheapest annual Iowa City, Iowa auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Iowa City, Iowa

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $2,620 $2,746
American Family $2,665 $2,728
Farmers $2,370 $2,370
GEICO $1,820 $1,882
Liberty Mutual $3,864 $3,864
Nationwide $2,247 $2,247
Progressive $2,230 $2,230
State Farm $2,066 $2,168
Travelers $4,991 $4,991
USAA $1,564 $1,681

Cheap Iowa City, Iowa Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Iowa City, Iowa? Check out the comparison of annual Iowa City, Iowa auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Iowa City, Iowa

Insurance Company Low Medium High
Allstate $2,587 $2,686 $2,776
American Family $2,700 $2,847 $2,542
Farmers $2,268 $2,377 $2,464
GEICO $1,739 $1,852 $1,963
Liberty Mutual $3,702 $3,858 $4,032
Nationwide $2,334 $2,239 $2,169
Progressive $2,104 $2,241 $2,345
State Farm $1,999 $2,131 $2,220
Travelers $4,700 $5,066 $5,207
USAA $1,532 $1,628 $1,707

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Best By Category: Cheapest Auto Insurance in Iowa City, Iowa

Compare the cheapest auto insurance companies in Iowa City, Iowa in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Iowa City, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

The Cheapest Iowa City, Iowa Auto Insurance Companies

What auto insurance companies in Iowa City, Iowa are the cheapest? Compare the top Iowa City, Iowa auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Iowa City, Iowa

Insurance Company Average Annual Rates
Allstate $2,683
American Family $2,696
Farmers $2,370
GEICO $1,851
Liberty Mutual $3,864
Nationwide $2,247
Progressive $2,230
State Farm $2,117
Travelers $4,991
USAA $1,622

What affects auto insurance rates in Iowa City, Iowa?

There are a lot of reasons why auto insurance rates in Iowa City, Iowa are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Iowa City, Iowa. Many local factors may affect your Iowa City auto insurance rates.

Iowa City Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Iowa City, Iowa commute length is 17.0 minutes according to City-Data.

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Compare Iowa City, Iowa Auto Insurance Quotes

Before you buy Iowa City, Iowa auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Iowa City, Iowa auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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