See Iowa car insurance cost for both new and used cars by auto values, deductibles and credit scores. Also see what coverage you need and where you can cut costs without leaving yourself in trouble.
Car insurance in Iowa often costs less than the national average. Drivers here deal with long rural highways, changing weather, and growing traffic in metro areas that can raise claim costs.
When ready, see the best local and statewide car insurers.
Curious about car financing? See real Iowa car loan rates shared by our community. Also find Iowa best car loan lenders in your area (community recommended too).
Iowa’s 20/40/15 Rule: What It Covers
Iowa law requires drivers to carry liability coverage. This part of your policy pays for injuries and damage you cause to others in a crash.
- $20,000 for injuries to one person. This pays for medical bills if you hurt someone in a crash.
- $40,000 for injuries to more than one person in a single crash. This is the total amount your insurance will pay for all injured people combined.
- $15,000 for property damage. This pays to fix or replace what you damage, like another car, a fence, or a building.
Iowa does not require coverage for injuries caused by uninsured drivers. You can add this protection to help cover costs if the other driver has no insurance.
MFP Tip: Rural crashes can involve higher speeds. Higher liability limits can protect you from large medical bills after a serious accident.
Iowa New Car Insurance Costs
Your new auto insurance price depends on the value of your car, how much coverage you choose, and your credit history. New cars often cost more to insure because repairs and replacement parts are more expensive.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $60K | Full | $148 | $172 | $188 | $303 |
| Standard | $124 | $145 | $158 | $254 | |
| Liability only | $71 | $83 | $90 | $145 | |
| $40K-$60K | Full | $125 | $146 | $159 | $257 |
| Standard | $104 | $121 | $132 | $213 | |
| Liability only | $61 | $71 | $77 | $124 | |
| $25K-$40K | Full | $109 | $127 | $139 | $224 |
| Standard | $91 | $106 | $115 | $186 | |
| Liability only | $54 | $63 | $68 | $110 | |
| Below $25K | Full | $96 | $112 | $122 | $196 |
| Standard | $79 | $92 | $100 | $162 | |
| Liability only | $48 | $55 | $60 | $97 |
Iowa Used Car Insurance Costs
Used cars may cost less to insure in Iowa, but dropping coverage for your own car can leave you paying out of pocket after a crash, a theft, or storm damage.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $40K | Full | $112 | $130 | $142 | $229 |
| Standard | $93 | $109 | $118 | $191 | |
| Liability only | $54 | $63 | $69 | $111 | |
| $15K-$40K | Full | $93 | $109 | $118 | $191 |
| Standard | $77 | $90 | $98 | $158 | |
| Liability only | $46 | $54 | $58 | $94 | |
| Below $15K | Full | $78 | $91 | $99 | $161 |
| Standard | $64 | $74 | $81 | $131 | |
| Liability only | $39 | $46 | $50 | $80 |
Most insurers group policies into three coverage levels:
- Full: Includes liability plus coverage for damage to your own car, even if you cause the crash or weather damages your vehicle.
- Standard: Higher liability limits than the state minimum, with or without coverage for your own car.
- Liability Only: Covers injuries and damage you cause to others, but not your own car.
How Credit History Influences Iowa Car Insurance Prices
In Iowa, insurers can use your credit history when setting your price. Drivers with strong credit often pay less, while drivers with below-fair credit usually pay much more for the same coverage.
In many cases, a driver with weak credit can pay 50 to 65 percent more than a driver with excellent credit, even if both have similar cars and clean driving records.
MFP Tip: If your credit improves, request a new quote before your renewal date. A better credit history can lead to a lower bill.
Finding the Right Coverage
If you finance or lease a new car, your lender will require coverage that pays to repair or replace your car after a crash or storm. This protects their investment until the loan is paid off.
Gap insurance can help during the early years of a loan. If your car is totaled, it covers the difference between what your car is worth and what you still owe.
For used cars, the 10 percent test can guide your choice. If your yearly coverage cost is more than 10 percent of your car’s value, you may want to keep only liability and drop coverage for your own car.
Why Iowa’s Minimums Can Leave You Paying the Difference
When You Damage Someone’s Property
Many vehicles on Iowa roads cost more than $15,000 to repair. If your limit runs out, the rest of the bill can fall on you.
If You Injure Someone
Medical care and missed work can push costs past $20,000 for a single person. If more than one person is hurt, the $40,000 total limit has to cover everyone.
When an Uninsured Driver Hits You
Coverage for injuries and damage to your own car can help when the other driver cannot pay.
What Shapes Iowa Rates
Iowa uses an at-fault system. The driver who causes the crash is responsible for injuries and damage, which makes strong liability limits more valuable.
Hail, snow, and winter storms can damage vehicles and lead to claims across the state.
Traffic around Des Moines, Cedar Rapids, and major routes like I-80 raises the chance of minor crashes and repair costs.
How to Keep Your Iowa Car Insurance Affordable
- Bundle policies. Putting home or renters insurance with the same company can lead to lower prices.
- Take a defensive driving course. Some insurers offer discounts for approved classes.
- Use safe-driver tracking programs. These track how you drive and can lower your rate if you avoid hard braking and late-night trips.
- Compare quotes. Prices can vary widely between companies for the same driver and car.
- Raise your deductible. This is the amount you pay out of pocket before insurance kicks in.
MFP Tip: If you drive long rural distances, ask about low-mileage discounts. Some insurers offer lower rates for drivers who spend less time on the road.
What to Do After Buying a Car in Iowa
You need insurance in place before you can register your vehicle. Dealers often submit paperwork for new cars, while private sales leave the steps to you.
Registration and title work go through the Iowa Department of Transportation. New residents and in-state buyers have a short window to complete the process.
Review your coverage once a year. As your car’s value drops, you may be able to adjust your policy and lower your costs.
Iowa Best Car Insurance
Find Iowa best local insurers by metro areas based on community recommendations
Desmoines, Cedarrapids, Davenport, Siouxcity, Iowacity, Westdesmoines, Ankeny, Waterloo, Ames, Councilbluffs
Desmoines Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Des Moines’s area are Terry Taylor, agent, State Farm, Farm Bureau Financial Services and United Insurance Counselors.
Terry Taylor, agent, State Farm (88% Recommend)
- Leads the Des Moines table with 4.7 Easy Application, 4.6 Terms & Premium Satisfaction, and the highest 4.8 Support & Guidance score among the top 3.
- Customer feedback points to responsive local help, clear answers, and a smooth quote experience for drivers comparing coverage.
Farm Bureau Financial Services (85% Recommend)
- Ranks second with a 4.5 Terms & Premium Satisfaction score, matching United Insurance Counselors on premium satisfaction while scoring higher on Easy Application at 4.5.
- Drivers tend to respond well to its Iowa presence, agent support, and policy guidance for auto coverage.
United Insurance Counselors (84% Recommend)
- Earns a 4.7 Support & Guidance score, second-highest among the top 3, with a 4.5 Terms & Premium Satisfaction rating.
- Customer feedback supports a strong advisory model, especially for drivers who want help comparing coverage options.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Terry Taylor, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Farm Bureau Financial Services | Insurer | 4.5 | 4.5 | 4.6 | 85% |
| United Insurance Counselors | Agency | 4.4 | 4.5 | 4.7 | 84% |
| Relion Insurance Solutions | Agency | 4.3 | 4.4 | 4.7 | 83% |
| State Farm | Insurer | 4.5 | 4.3 | 4.5 | 82% |
| American Family Insurance | Insurer | 4.4 | 4.3 | 4.4 | 81% |
| Shelter Insurance | Insurer | 4.2 | 4.3 | 4.4 | 80% |
| Progressive | Insurer | 4.6 | 4.1 | 4.0 | 78% |
| Auto-Owners Insurance | Insurer | 4.2 | 4.3 | 4.2 | 78% |
| Nationwide | Insurer | 4.3 | 4.1 | 4.2 | 77% |
| Allstate | Insurer | 4.4 | 4.0 | 4.1 | 76% |
| Farmers Insurance | Insurer | 4.2 | 4.0 | 4.2 | 75% |
| Travelers | Insurer | 4.1 | 4.1 | 4.0 | 74% |
| Liberty Mutual | Insurer | 4.2 | 3.9 | 4.0 | 73% |
| GEICO | Insurer | 4.5 | 3.9 | 3.8 | 72% |
Cedarrapids Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Cedar Rapids’s area are Kelsey Foster, agent, State Farm, Chad Johnson, agent, State Farm and Jim Humphreys, agent, State Farm.
Kelsey Foster, agent, State Farm (87% Recommend)
- Ranks first with 4.7 Easy Application and 4.8 Support & Guidance, the highest Support & Guidance score among the Cedar Rapids top 3.
- Customer feedback supports a strong local-agent experience with clear coverage help and responsive service.
Chad Johnson, agent, State Farm (86% Recommend)
- Scores 4.6 Easy Application, 4.5 Terms & Premium Satisfaction, and 4.7 Support & Guidance, placing close behind the top-ranked agency.
- Drivers respond well to the office’s local service model and help making coverage decisions.
Jim Humphreys, agent, State Farm (85% Recommend)
- Earns a 4.6 Support & Guidance rating and 4.5 Terms & Premium Satisfaction, keeping it within 2 points of the top score.
- Customer feedback supports dependable local assistance and a straightforward auto insurance quote process.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Kelsey Foster, agent, State Farm | Insurer | 4.7 | 4.5 | 4.8 | 87% |
| Chad Johnson, agent, State Farm | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| Jim Humphreys, agent, State Farm | Insurer | 4.5 | 4.5 | 4.6 | 85% |
| Farm Bureau Financial Services | Insurer | 4.4 | 4.5 | 4.5 | 83% |
| American Family Insurance | Insurer | 4.4 | 4.3 | 4.4 | 81% |
| State Farm | Insurer | 4.5 | 4.3 | 4.4 | 81% |
| Shelter Insurance | Insurer | 4.2 | 4.3 | 4.4 | 79% |
| Progressive | Insurer | 4.6 | 4.1 | 4.0 | 77% |
| Allstate | Insurer | 4.3 | 4.0 | 4.1 | 75% |
| Farmers Insurance | Insurer | 4.2 | 4.0 | 4.1 | 74% |
Davenport Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Davenport’s area are Jennifer Nagle, agent, Allstate, Justin Tiner, agent, State Farm and Kellner Insurance Agency.
Jennifer Nagle, agent, Allstate (87% Recommend)
- Ranks first with a 4.7 Easy Application score and 4.7 Support & Guidance, matching the top Support & Guidance score among the Davenport top 3.
- Customer feedback points to helpful explanations and a satisfying local-service experience for auto coverage.
Justin Tiner, agent, State Farm (85% Recommend)
- Scores 4.6 Easy Application, 4.5 Terms & Premium Satisfaction, and 4.6 Support & Guidance, within 2 points of the top Recommend %.
- Drivers looking for a local insurer office are supported by a clear quote path and hands-on coverage assistance.
Kellner Insurance Agency (83% Recommend)
- Has a 4.7 Support & Guidance rating, tied for highest among the top 3, with a 4.4 Terms & Premium Satisfaction score.
- Customer feedback supports its agency model for drivers who want personalized coverage matching and local help.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Jennifer Nagle, agent, Allstate | Insurer | 4.7 | 4.4 | 4.7 | 87% |
| Justin Tiner, agent, State Farm | Insurer | 4.6 | 4.5 | 4.6 | 85% |
| Kellner Insurance Agency | Agency | 4.4 | 4.4 | 4.7 | 83% |
| Nelson Brothers Agency | Agency | 4.3 | 4.5 | 4.6 | 82% |
| Farm Bureau Financial Services | Insurer | 4.4 | 4.5 | 4.4 | 81% |
| State Farm | Insurer | 4.5 | 4.3 | 4.4 | 80% |
| Auto-Owners Insurance | Insurer | 4.2 | 4.4 | 4.3 | 78% |
| Progressive | Insurer | 4.6 | 4.1 | 4.0 | 77% |
| American Family Insurance | Insurer | 4.3 | 4.2 | 4.2 | 76% |
| Travelers | Insurer | 4.1 | 4.1 | 4.1 | 74% |
Siouxcity Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Sioux City’s area are Maggie Dunagan, agent, State Farm, Archer Insurance Agency and Morningside Insurance Group.
Maggie Dunagan, agent, State Farm (88% Recommend)
- Leads Sioux City with 4.8 Easy Application, 4.6 Terms & Premium Satisfaction, and 4.8 Support & Guidance, the highest Easy Application score in the table.
- Customer feedback supports an easy process, friendly service, and strong local help for drivers comparing auto insurance.
Archer Insurance Agency (85% Recommend)
- Scores 4.5 Easy Application and 4.8 Support & Guidance, tied for highest Support & Guidance among the top 3.
- Drivers benefit from its agency model, quote comparisons, and hands-on help understanding coverage choices.
Morningside Insurance Group (83% Recommend)
- Earns 4.5 Easy Application and 4.6 Support & Guidance, placing 2 points behind Archer Insurance Agency.
- Customer feedback supports helpful local service and guidance for customers reviewing auto coverage options.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Maggie Dunagan, agent, State Farm | Insurer | 4.8 | 4.6 | 4.8 | 88% |
| Archer Insurance Agency | Agency | 4.5 | 4.5 | 4.8 | 85% |
| Morningside Insurance Group | Agency | 4.5 | 4.3 | 4.6 | 83% |
| Craig Wegner | Agency | 4.4 | 4.5 | 4.6 | 82% |
| Farm Bureau Financial Services | Insurer | 4.3 | 4.5 | 4.4 | 80% |
| State Farm | Insurer | 4.5 | 4.3 | 4.4 | 79% |
| Progressive | Insurer | 4.6 | 4.1 | 4.0 | 77% |
| Auto-Owners Insurance | Insurer | 4.2 | 4.4 | 4.2 | 77% |
| American Family Insurance | Insurer | 4.3 | 4.2 | 4.2 | 76% |
| Farmers Insurance | Insurer | 4.2 | 4.0 | 4.1 | 74% |
Iowacity Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Iowa City’s area are Relion Insurance Solutions, The Jordan Agency and Greenstate Insurance Services.
Relion Insurance Solutions (86% Recommend)
- Ranks first with 4.5 Easy Application, 4.5 Terms & Premium Satisfaction, and the highest top-3 Support & Guidance score at 4.8.
- Customer feedback supports strong coverage guidance, savings help, and a useful independent-agency comparison process.
The Jordan Agency (84% Recommend)
- Scores 4.5 Easy Application and 4.6 Support & Guidance, 2 points behind Relion Insurance Solutions in Recommend %.
- Drivers respond well to the agency’s local knowledge and help choosing auto coverage that fits Iowa City needs.
Greenstate Insurance Services (82% Recommend)
- Earns 4.4 Easy Application, 4.4 Terms & Premium Satisfaction, and 4.6 Support & Guidance, matching The Jordan Agency on guidance.
- Customer feedback supports the value of local assistance and comparison help for auto insurance shoppers.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Relion Insurance Solutions | Agency | 4.5 | 4.5 | 4.8 | 86% |
| The Jordan Agency | Agency | 4.5 | 4.3 | 4.6 | 84% |
| Greenstate Insurance Services | Agency | 4.4 | 4.4 | 4.6 | 82% |
| Advanced Insurance Services | Agency | 4.3 | 4.5 | 4.6 | 81% |
| Farm Bureau Financial Services | Insurer | 4.4 | 4.5 | 4.4 | 80% |
| State Farm | Insurer | 4.5 | 4.3 | 4.4 | 79% |
| American Family Insurance | Insurer | 4.3 | 4.2 | 4.2 | 76% |
| Progressive | Insurer | 4.6 | 4.1 | 4.0 | 76% |
| Allstate | Insurer | 4.3 | 4.0 | 4.1 | 74% |
| Nationwide | Insurer | 4.3 | 4.1 | 4.1 | 74% |
Westdesmoines Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in West Des Moines’s area are Steve Curren, agent, State Farm, Matt Kolln, agent, State Farm and BMJ Insurance.
Steve Curren, agent, State Farm (88% Recommend)
- Ranks first with 4.7 Easy Application, 4.6 Terms & Premium Satisfaction, and a 4.8 Support & Guidance score, highest among the top 3.
- Customer feedback supports fast responses, helpful staff, and strong service for drivers bundling or comparing auto coverage.
Matt Kolln, agent, State Farm (85% Recommend)
- Scores 4.6 Easy Application and 4.6 Support & Guidance, placing 3 points below Steve Curren in Recommend %.
- Drivers looking for a local office benefit from clear quote access and direct help reviewing policy choices.
BMJ Insurance (82% Recommend)
- Earns a 4.7 Support & Guidance score, higher than Matt Kolln’s 4.6, while scoring 4.3 on Easy Application.
- Customer feedback supports its independent-agent value for comparing service, coverage, and price options.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Steve Curren, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Matt Kolln, agent, State Farm | Insurer | 4.6 | 4.4 | 4.6 | 85% |
| BMJ Insurance | Agency | 4.3 | 4.4 | 4.7 | 82% |
| Jonathan Webb, agent, Allstate | Insurer | 4.5 | 4.1 | 4.4 | 80% |
| Farm Bureau Financial Services | Insurer | 4.4 | 4.5 | 4.3 | 79% |
| American Family Insurance | Insurer | 4.3 | 4.2 | 4.2 | 76% |
| Progressive | Insurer | 4.6 | 4.1 | 4.0 | 76% |
| Allstate | Insurer | 4.3 | 4.0 | 4.1 | 74% |
Ankeny Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Ankeny’s area are Doubleday Insurance Agency, Cody VerHuel, agent, State Farm and Tony Strang, agent, Allstate.
Doubleday Insurance Agency (86% Recommend)
- Ranks first with 4.5 Easy Application, 4.5 Terms & Premium Satisfaction, and 4.8 Support & Guidance, the highest Support & Guidance score among the top 3.
- Customer feedback supports its long-running local agency model and hands-on help comparing auto coverage.
Cody VerHuel, agent, State Farm (84% Recommend)
- Scores 4.6 Easy Application and 4.6 Support & Guidance, while trailing Doubleday Insurance Agency by 2 Recommend % points.
- Drivers looking for a local insurer office receive a clear quote path and personal help reviewing coverage choices.
Tony Strang, agent, Allstate (83% Recommend)
- Earns 4.6 Easy Application and 4.4 Support & Guidance, with a 4.2 Terms & Premium Satisfaction score.
- Customer feedback points to a positive local-service experience and helpful staff support.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Doubleday Insurance Agency | Agency | 4.5 | 4.5 | 4.8 | 86% |
| Cody VerHuel, agent, State Farm | Insurer | 4.6 | 4.4 | 4.6 | 84% |
| Tony Strang, agent, Allstate | Insurer | 4.6 | 4.2 | 4.4 | 83% |
| Farm Bureau Financial Services | Insurer | 4.4 | 4.5 | 4.4 | 80% |
| State Farm | Insurer | 4.5 | 4.3 | 4.4 | 79% |
| American Family Insurance | Insurer | 4.3 | 4.2 | 4.2 | 76% |
| Progressive | Insurer | 4.6 | 4.1 | 4.0 | 75% |
| Allstate | Insurer | 4.3 | 4.0 | 4.1 | 74% |
Waterloo Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Waterloo’s area are Christel Manson, agent, State Farm, Matt Haak, agent, State Farm and Carolina Espinoza, agent, State Farm.
Christel Manson, agent, State Farm (87% Recommend)
- Ranks first with 4.7 Easy Application and 4.8 Support & Guidance, the highest Support & Guidance score among the top 3.
- Customer feedback supports a local office focused on coverage explanation, relationship-based service, and auto policy help.
Matt Haak, agent, State Farm (84% Recommend)
- Scores 4.6 Easy Application and 4.6 Support & Guidance, 3 points behind the top-ranked Waterloo option.
- Drivers benefit from a direct local quote process and familiar State Farm agent support.
Carolina Espinoza, agent, State Farm (83% Recommend)
- Earns 4.5 Easy Application, 4.4 Terms & Premium Satisfaction, and 4.6 Support & Guidance, matching Matt Haak on guidance.
- Customer feedback points to patient explanations and timely help for customers managing coverage changes.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Christel Manson, agent, State Farm | Insurer | 4.7 | 4.5 | 4.8 | 87% |
| Matt Haak, agent, State Farm | Insurer | 4.6 | 4.4 | 4.6 | 84% |
| Carolina Espinoza, agent, State Farm | Insurer | 4.5 | 4.4 | 4.6 | 83% |
| Zachary Goodwin, agent, Farmers Insurance | Insurer | 4.4 | 4.2 | 4.5 | 80% |
| Farm Bureau Financial Services | Insurer | 4.4 | 4.5 | 4.4 | 79% |
| American Family Insurance | Insurer | 4.3 | 4.2 | 4.2 | 76% |
| Progressive | Insurer | 4.6 | 4.1 | 4.0 | 75% |
| Allstate | Insurer | 4.3 | 4.0 | 4.1 | 73% |
Ames Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Ames’s area are Mark Doyle, agent, State Farm, Highness Insurance Agency and Farm Bureau Financial Services.
Mark Doyle, agent, State Farm (84% Recommend)
- Ranks first with 4.6 Easy Application, 4.4 Terms & Premium Satisfaction, and the highest top-3 Support & Guidance score at 4.6.
- Customer feedback supports the value of local agent access and a clear process for drivers requesting auto coverage.
Highness Insurance Agency (82% Recommend)
- Scores 4.5 Easy Application and 4.4 Support & Guidance, placing 2 points behind Mark Doyle in Recommend %.
- Drivers respond to local availability, quote access, and help choosing coverage through the agency office.
Farm Bureau Financial Services (80% Recommend)
- Earns the highest top-3 Terms & Premium Satisfaction score at 4.5, compared with 4.4 for Mark Doyle and 4.2 for Highness Insurance Agency.
- Customer feedback supports its Iowa-based agent model and steady help with auto policy questions.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Mark Doyle, agent, State Farm | Insurer | 4.6 | 4.4 | 4.6 | 84% |
| Highness Insurance Agency | Agency | 4.5 | 4.2 | 4.4 | 82% |
| Farm Bureau Financial Services | Insurer | 4.4 | 4.5 | 4.4 | 80% |
| State Farm | Insurer | 4.5 | 4.3 | 4.4 | 78% |
| Progressive | Insurer | 4.6 | 4.1 | 4.0 | 75% |
| American Family Insurance | Insurer | 4.3 | 4.2 | 4.2 | 74% |
Councilbluffs Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Council Bluffs’s area are Derek Kinder, agent, State Farm, Smith Davis Insurance and Greg Duncan, agent, State Farm.
Derek Kinder, agent, State Farm (87% Recommend)
- Ranks first with 4.7 Easy Application, 4.6 Terms & Premium Satisfaction, and 4.8 Support & Guidance, the highest Support & Guidance among the top 3.
- Customer feedback supports strong local service, relationship-focused help, and clear auto insurance support.
Smith Davis Insurance (84% Recommend)
- Scores 4.4 Easy Application, 4.5 Terms & Premium Satisfaction, and 4.7 Support & Guidance, second-highest guidance among the top 3.
- Drivers respond well to its agency process for simplifying coverage comparisons and saving time reviewing options.
Greg Duncan, agent, State Farm (82% Recommend)
- Earns 4.5 Easy Application and 4.6 Support & Guidance, while trailing Smith Davis Insurance by 2 Recommend % points.
- Customer feedback supports local onboarding help and guidance for drivers selecting auto coverage.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Derek Kinder, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 87% |
| Smith Davis Insurance | Agency | 4.4 | 4.5 | 4.7 | 84% |
| Greg Duncan, agent, State Farm | Insurer | 4.5 | 4.4 | 4.6 | 82% |
| Anchor Insurance | Agency | 4.3 | 4.4 | 4.6 | 80% |
| Jessica Stevenson, agent, Allstate | Insurer | 4.5 | 4.1 | 4.3 | 78% |
| Andrew Neal, agent, Farmers Insurance | Insurer | 4.3 | 4.1 | 4.3 | 75% |
End Note
Meeting the legal minimum keeps you driving, but rural highways, severe weather, and uninsured drivers can lead to bills that go beyond those limits.
Match your coverage to what you own and what a real crash can cost in Iowa, not just what the law requires.