*Our research team scores car insurance companies by taking nationwide factors into account. The order of insurers in this table is specific to auto insurance in Iowa.
#1 State Farm: Best For Student Drivers
We selected State Farm as our No. 1 pick because of its strong industry standing and its reputation for customer service. It’s the largest auto insurer in the country and one of the cheapest options on average for Iowa drivers in particular, especially young drivers and those with poor driving records. As rates are typically higher for young drivers, State Farm stands out due to its competitive prices for teen drivers and student discounts of up to 25 percent off.
State Farm also offers a usage-based program that allows customers to track their driving through the highly rated Drive Safe & SaveTM app. The insurer performs well in several J.D. Power satisfaction studies, including placing fourth in the J.D. Power 2022 U.S. Auto Insurance Study℠ for the Central region.
Learn more about the company’s coverage in our State Farm insurance review.
#2 IMT: Best Local Option
IMT has a long history of offering quality coverage to drivers in Iowa, Illinois, Minnesota, Nebraska, South Dakota, and Wisconsin. It’s based in West Des Moines, Iowa, making it a smart local choice for Iowa drivers. IMT is accredited by the Better Business Bureau (BBB) and holds an A+ rating from the organization.
With IMT’s Worry Free mobile app, customers can:
- Access their IMT policies
- Pay their bills
- View ID cards
- Contact roadside assistance
IMT also provides enhanced coverage at no additional cost. These coverages include:
- Increased transportation expenses
- Pet injury
- Theft of clothing, luggage, or equipment
#3 Nationwide: Best For Poor Credit
For drivers with poor credit scores, Nationwide can be a particularly good option for car insurance in Iowa. The insurer offers a wide range of coverage options, and its average cost estimate for good drivers in Iowa is about 43 percent below the national annual average. We rank Nationwide No. 3 for Iowa drivers because of its strong industry reputation and consistently low-cost coverage.
Nationwide offers two usage-based insurance programs to help drivers save money on their car insurance. SmartRide® monitors driving habits and rewards safe driving as well as drivers who make adjustments to improve their driving. SmartMiles®M/sup> is a pay-per-mile option that’s perfect for low-mileage drivers.
Learn more about this provider in our comprehensive Nationwide insurance review.
#4 Geico: Best Overall Provider
As a big name in the industry, Geico is known for its excellent customer service and low average rates for many types of drivers. It holds an A+ rating from the BBB and an A++ financial strength rating from AM Best, and it’s ranked No. 3 for customer satisfaction in the J.D. Power Auto Insurance Study for the Central region.
In our nationwide review of the best car insurance companies, we named Geico the Best Overall Provider due to its affordability and fast claims process. Geico’s reliability is reflected in its high industry and customer satisfaction ratings. Customers enjoy a wide range of discounts, such as a multi-vehicle discount of up to 25 percent, a safe driver discount of up to 22 percent, and a military discount of up to 15 percent.
Check out our Geico insurance review for more information.
#5 Auto-Owners Insurance: Best For Customer Service
We included Auto-Owners Insurance in our top five recommendations for car insurance in Iowa because of its consistently low prices for drivers in the state. Auto-Owners also holds a strong reputation within the auto insurance industry for its smooth claims process. The insurer provides 24-hour claims service, a mobile app for customers to receive status updates, and several virtual options to make payments.
Auto-Owners Insurance is a great option for Iowa drivers who value excellent customer service. The auto insurance company is BBB-accredited with an A+ rating. Auto-Owners is ranked above average for customer satisfaction among midsize insurers in the J.D. Power 2022 U.S. Auto Insurance Shopping Study℠, making it a good choice for coverage.