Car Insurance with Bad Credit in Iowa (2026)
Quick Answer
Bad credit in Iowa increases car insurance by 47%, raising full coverage from $1,476/year to $2,170/year.
✓ Updated March 2026✓ Based on state insurance filings
Good Credit
$123/mo
Poor Credit (1.47x)
$181/mo
Best Companies for Bad Credit in Iowa
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $134/mo | $1,606/yr | Military families |
| Erie Insurance | $143/mo | $1,714/yr | Rate lock guarantee |
| GEICO | $148/mo | $1,779/yr | Clean driving record |
| Progressive | $159/mo | $1,910/yr | Telematics savings |
| State Farm | $165/mo | $1,975/yr | Good students |
| Travelers | $172/mo | $2,062/yr | Multiple discounts |
| Nationwide | $188/mo | $2,257/yr | Bundling home + auto |
| Farmers | $195/mo | $2,344/yr | Signal telematics |
| Allstate | $203/mo | $2,430/yr | Accident forgiveness |
| Liberty Mutual | $213/mo | $2,561/yr | New car replacement |
USAACheapest
Monthly
$134/mo
Annual
$1,606/yr
Best for: Military families
Erie Insurance
Monthly
$143/mo
Annual
$1,714/yr
Best for: Rate lock guarantee
GEICO
Monthly
$148/mo
Annual
$1,779/yr
Best for: Clean driving record
Progressive
Monthly
$159/mo
Annual
$1,910/yr
Best for: Telematics savings
State Farm
Monthly
$165/mo
Annual
$1,975/yr
Best for: Good students
Travelers
Monthly
$172/mo
Annual
$2,062/yr
Best for: Multiple discounts
Nationwide
Monthly
$188/mo
Annual
$2,257/yr
Best for: Bundling home + auto
Farmers
Monthly
$195/mo
Annual
$2,344/yr
Best for: Signal telematics
Allstate
Monthly
$203/mo
Annual
$2,430/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$213/mo
Annual
$2,561/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
✓ No spam calls · ✓ No personal info sold · ✓ Takes 2 minutes