Home Car insurance Non-owner car insurance Non-owner auto insurance in Iowa Non-owner auto insurance in Iowa: Which company has the cheapest rates? The best non-owner insurance rates in Iowa are available from USAA and State Farm. Written by: Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. and John McCormick John McCormick John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology. | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Updated on April 14, 2023 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Non-owner car insurance in Iowa costs $193 a year, which is $160 lower than the U.S. average, according to a 2023 rate analysis from Insure.com. In Iowa, non-owner policies are available from companies such as Geico, Nationwide and Progressive. “Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage. Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in Iowa. Key Takeaways The average non-owner car insurance cost in Iowa is $16 per month for a 40-year-old male with a good driving record. Car insurance rates vary by age. For instance, a 16-year-old male in Iowa pays an average of $796 for non-owner car insurance, whereas a 25-year-old male pays $221 a year for the same coverage. USAA offers most affordable rates for non-owner car insurance in Iowa at $68.(Note: USAA offers car insurance only to members of the military, veterans and their immediate families.) How much does non-owner car insurance cost in Iowa? Insurers consider non-owner policyholders as less risky due to their minimal access to a vehicle, and therefore, it’s usually less expensive to buy non-owner insurance than full coverage car insurance. On average in the U.S., it costs a driver with a clean driving record and good credit score $1,682 a year for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for any damages to property. In Iowa, full coverage car insurance costs $1,321. Meanwhile, non-owner auto insurance is $353 a year on average in the United States and $193 in Iowa. But various factors affect individual rates, such as where in Iowa you live, your age and driving history and other factors. Which insurer offers the cheapest non-owner insurance rates in Iowa? With an average annual cost of $68, USAA’s non-owner insurance policy is Iowa’s most affordable. At $302 a year, Farmers charges the highest rate for non-owner insurance in the state. You should compare quotes from multiple insurers to find the best price. The cheapest non-owner policies available in Iowa are listed below. Cheapest non-owner insurance rates in Iowa CompanyAverage annual premiumUSAA$68State Farm$81Geico$143Nationwide$202Progressive$219 Note that USAA only offers coverage to military members, veterans and their families. How much is non-owner car insurance in Iowa by age? Older drivers have been driving longer than younger, inexperienced drivers and are less likely to be in an accident. Their rates are usually cheaper than those of younger drivers. On average, Iowa non-owner insurance costs $191 a year for a 45-year-old, while it’s $760 for a 16-year-old driver. Average non-owner auto insurance rates in Iowa by age and gender AgeMaleFemale16$796$72417$617$56718$523$48319$409$37720$367$34221$288$27322$269$25623$251$24324$233$22825$221$21630$207$20735$200$20340$193$19845$189$19350$185$18655$181$18060$181$17865$190$18570$206$19775$226$211 Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Iowa by cityDes MoinesCedar RapidsDavenportSioux CityIowa CityWhich Iowa cities have the cheapest non-owner car insurance? It’s common for rates to vary greatly from ZIP code to ZIP code. Insurers set rates based on data points such as theft, collisions and vandalism in different U.S. cities. The tables below display the cities in Iowa that have the least and most expensive non-owner auto insurance rates. The 20 Iowa cities with the lowest non-owner car insurance rates Cities in IowaLowest non-owner car insurance ratesCorydon$175Cresco$175Osage$175Buffalo Center$176New Albin$176Castalia$177Dorchester$177Lime Springs$177Mc Intire$177Strawberry Point$177Waukon$177Evansville$178Kensett$178Lansing$178Northwood$178Plano$178St. Ansgar$178Waucoma$178Boardman$179Centerville$179 The 20 Iowa cities with the highest non-owner auto insurance rates Cities in IowaHighest non-owner car insurance ratesCarter Lake$246Council Bluffs$243Bettendorf$240Davenport$240Sioux City$236Pleasant Valley$234Windsor Heights$230Des Moines$229Clive$227West Des Moines$227Pleasant Hill$225Cedar Rapids$223Ankeny$221Waterloo$221Crescent$220Grimes$220Johnston$220Altoona$219Hiawatha$219Ames$205 How much is non-owner car insurance in Iowa’s 10 biggest cities? The largest cities in Iowa have varying non-owner insurance rates. The cost of non-owner insurance in Council Bluffs is the most expensive at $243. Iowa City has the cheapest rates of the largest cities in the state at $201. Non-owner auto rates in Iowa’s 10 largest cities 10 largest cities in IowaNon-owner car ratesCouncil Bluffs$243Davenport$240Sioux City$236Des Moines$229West Des Moines$227Cedar Rapids$223Ankeny$221Waterloo$221Ames$205Iowa City$201 How non-owner insurance rates in Iowa compare to rates in other states Non-owner car insurance rates also differ from state to state. Iowa’s average non-owner insurance rate is $193 a year, lower than the $353 average nationally. At $170 per year, South Dakota is the cheapest, followed by Idaho at an average of $190 per year. Iowa is the third most affordable at $193 annually. Non-owner auto insurance rates in the 10 most populous states StateAverage annual premiumCalifornia$323Florida$671Georgia$373Illinois$286Michigan$574New York$578North Carolina$989Ohio$198Pennsylvania$216Texas$408National Average$353 How to get non-owner car insurance in Iowa To get a non-owner policy, you need your driver’s license number and a credit or debit card. To purchase a policy, follow these steps: Contact an auto insurance agent about the coverage Supply your basic driving history Review the information you receive on the insurers and rates Choose the policy that best meets your needs Put down a payment to begin coverage Often, you’ll receive proof of insurance very quickly. For a non-owner car insurance policy quote, you must call your insurer instead of visiting its website. “The best way to find any insurance is to shop around and price match,” says Marlon Moss, a licensed agent at A Plus Insurance. Below are a few insurance companies with their phone numbers to call for a non-owner insurance quote. State Farm: 800-782-8332 Geico: 800-207-7847 Progressive: 888-671-4405 Allstate: 800-726-6033 USAA: 800-531-8722 Methodology Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy. Explore other insurance options in Iowa Average car insurance cost in Iowa Cheapest homeowners insurance in Iowa Average renters insurance cost in Iowa How much is car insurance in other statesAlaska$1,359/YearAlabama$1,542/YearArkansas$1,597/YearArizona$1,617/YearCalifornia$2,115/YearColorado$1,940/YearConnecticut$1,750/YearDelaware$2,137/YearFlorida$2,560/YearGeorgia$1,647/YearHawaii$1,306/YearIdaho$1,121/YearIllinois$1,578/YearIndiana$1,256/YearKansas$1,594/YearKentucky$2,105/YearLouisiana$2,546/YearMassachusetts$1,538/YearMaryland$1,640/YearMaine$1,116/YearMichigan$2,133/YearMinnesota$1,493/YearMissouri$2,104/YearMississippi$1,606/YearMontana$1,692/YearNorth Carolina$1,368/YearNorth Dakota$1,419/YearNebraska$2,018/YearNew Hampshire$1,307/YearNew Jersey$1,901/YearNew Mexico$1,505/YearNevada$2,023/YearNew York$2,020/YearOhio$1,023/YearOklahoma$1,797/YearOregon$1,244/YearPennsylvania$1,445/YearRhode Island$1,845/YearSouth Carolina$1,894/YearSouth Dakota$1,581/YearTennessee$1,373/YearTexas$1,875/YearUtah$1,469/YearVirginia$1,321/YearVermont$1,158/YearWashington$1,371/YearWisconsin$1,499/YearWest Virginia$1,610/YearWyoming$1,736/YearShow moreLeslie KasperowiczManaging Editor  . .Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. 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