Compare Iowa City, IA Car Insurance Rates (2021)

Car insurance in Iowa City, IA averages $222 a month. Iowa City, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Iowa City car insurance rates, compare quotes from the top car insurance companies in Iowa City, IA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Iowa City for teen drivers is USAA
  • The cheapest car insurance company in Iowa City is USAA
  • Average car insurance rates in Iowa City, IA after a DUI are $3,209/year

If you need to buy Iowa City, Iowa car insurance, the options can be confusing. Everything you need to know about car insurance in Iowa City, IA is right here.

You’ll find Iowa City car insurance rates, the cheapest Iowa City, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Iowa City, Iowa car insurance rates to Cedar Rapids car insurance rates, Waterloo car insurance rates, and Davenport car insurance rates.

Ready to find affordable Iowa City, IA car insurance today? Enter your ZIP code for fast, free Iowa City car insurance quotes.

Cheapest Iowa City, IA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Iowa City, IA car insurance rates? Every Iowa City, Iowa car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in Iowa City, IA

Every driver must carry the minimum car insurance in Iowa City, IA. Take a look at the Iowa car insurance requirements.

Minimum Required Car 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

Cheapest Iowa City, IA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Iowa City, IA. Compare credit history car insurance rates in Iowa City from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest Iowa City, IA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Iowa City, IA to rates for a clean record with top companies.

Annual Iowa City, Iowa Car 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

Cheapest Iowa City, IA Car Insurance for Teen Drivers

Teen car insurance in Iowa City, IA can be expensive. Take a look at rates from the top car insurance companies in Iowa City for teenagers.

Annual Car 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

Cheapest Iowa City, IA Car Insurance for Seniors

Take a look at Iowa City, IA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest Iowa City, IA Car Insurance Rates After a DUI

A DUI in Iowa City, IA increases car insurance rates. Compare Iowa City, Iowa DUI car insurance by company to find the cheapest option.

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

Insurance Company Annual Car 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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Cheapest Iowa City, IA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Iowa City, IA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car 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

Cheapest Iowa City, IA Car Insurance Rates by ZIP Code

Iowa City car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Iowa City, IA.

Annual Car 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

The Best Cheap Car Insurance Companies in Iowa City, IA

Take a look at a side-by-side comparison of the top car insurance companies in Iowa City, IA to find the best option for your needs.

Average Annual Car 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

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Category Winners: Cheapest Car Insurance in Iowa City, Iowa

Find the cheapest car insurance companies in Iowa City, IA for each category right here.

Best Annual Car 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

Cheapest Iowa City, IA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Iowa City car insurance rates. Find the cheapest Iowa City, IA car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Iowa City, Iowa?

What factors can have an impact on Iowa City, IA car insurance? There are several reasons why Iowa City car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Iowa City, Iowa.

Commute Time in Iowa City

The more time you spend in your car the higher the 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 Car Insurance Quotes in Iowa City, IA

Ready to find affordable Iowa City, Iowa car insurance today? Enter your ZIP code for fast, free Iowa City, IA car insurance quotes.

Free Car Insurance Comparison

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

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