Buy Cheap Iowa City, IA Auto Insurance (2021)

Iowa City, IA auto insurance rates average $222 a month. Minimum auto insurance requirements in Iowa City, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Iowa City, IA, compare Iowa City auto insurance quotes from top companies.

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    Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the ...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Iowa City after a DUI is Travelers
  • Average auto insurance rates in Iowa City, IA after a DUI are $3,209/year
  • Average auto insurance rates in Iowa City, IA are $222/month

Finding affordable Iowa City, Iowa auto insurance can be challenging, but everything you need to know to buy cheap Iowa City, IA auto insurance with confidence is right here. Auto insurance rates in Iowa City are affected by local factors as well as personal ones like your driving record.

See how Iowa City, IA car insurance rates compare to Ames auto insurance rates, Council Bluffs auto insurance rates, and Davenport auto insurance rates before you read more about the cost of auto insurance in Iowa City.

Don’t buy Iowa City, IA auto insurance until you’ve compared rates. Get free Iowa City, Iowa auto insurance quotes when you enter your ZIP code above.

Iowa City, IA Minimum Auto Insurance Requirements

The required auto insurance in Iowa City, IA is 20/40/15 according to the auto insurance laws in Iowa. The minimum auto insurance in Iowa City, Iowa is outlined here.

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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Find Cheap Iowa City, IA Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Iowa City, IA. Take a look at Iowa City, Iowa auto insurance rates by credit history.

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

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

Do age, gender, and marital status affect Iowa City, Iowa auto insurance rates? Find out how car insurance rates in Iowa City, IA are impacted by demographics.

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

Buy Cheap Iowa City, IA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Iowa City can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Iowa City, IA are listed here.

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

Buy Cheap Iowa City, IA Auto Insurance for Seniors

You can save on senior auto insurance rates in Iowa City, Iowa by comparing Iowa City senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Iowa City, IA here.

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

Find Cheap Auto Insurance Rates in Iowa City, IA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Iowa City, Iowa auto insurance. Compare Iowa City, IA 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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Find Cheap Iowa City, IA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Iowa City. Compare auto insurance rates in Iowa City, IA by commute length to see how your daily commute impacts your rates.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Find Cheap Iowa City, IA Auto Insurance Rates by ZIP Code

Auto insurance rates in Iowa City, Iowa can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Iowa City, IA to see how much where you live in Iowa City affects the cost of car insurance.

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

Find Cheap Iowa City, IA Auto Insurance Rates by Driving Record

Auto insurance rates in Iowa City, Iowa are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Iowa City, IA, take a look at the average cost for various violations versus rates for a clean driving record in Iowa City.

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

Find Cheap Iowa City, IA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Iowa City, Iowa is higher than for a clean driving record. You can buy auto insurance after a DUI in Iowa City for less when you shop around and compare rates from multiple Iowa City, IA auto insurance companies.

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

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Winners by Category: Where to Buy Cheap Auto Insurance in Iowa City, IA

Compare rates from the cheapest auto insurance companies in Iowa City, IA for your needs. Take a look at how Iowa City, Iowa auto insurance companies stack up for each category.

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

Find Cheap Iowa City, Iowa Auto Insurance Companies

If you’re looking for the cheapest Iowa City, IA auto insurance companies overall, you can compare them here. Find the best price for Iowa City, Iowa car insurance by company.

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 Iowa City, Iowa auto insurance rates?

Local factors affect auto insurance rates in Iowa City, IA, including traffic, theft statistics, and commute length. Take a look at the things that impact Iowa City auto insurance rates.

Commute Times in Iowa City

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Iowa City, IA is 17.0 minutes according to City-Data.

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Compare Auto Insurance Quotes in Iowa City, IA

You can buy cheap Iowa City, IA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Iowa City, Iowa auto insurance quotes from top companies.

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