Car Insurance Non-owner auto insurance in Iowa: Which company has the cheapest rates? The average cost in Iowa for a non-owner car insurance policy is $193 a year, but USAA and State Farm offer lower rates. Written by: Leslie Kasperowicz | 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. | Posted on March 10, 2023 Why you can 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 our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. It costs an average of $193 per year for non-owner car insurance in Iowa, which is $187 lower than the U.S. average, according to an Insure.com 2023 rate analysis. In Iowa, these policies are available from companies such as Geico, Nationwide, and Progressive in addition to many others. “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. In addition to understanding the various requirements, it’s important to know what non-owner insurance is, which companies offer it and how much it costs in Iowa. How much does non-owner auto insurance cost in Iowa? Non-owner insurance is usually cheaper than typical car insurance—insurers consider non-owner policyholders less risky because they have limited access to a vehicle. On average, in the U.S., it’s $1,682 per 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 property damage. This is applicable to drivers with a good credit score as well as a clean driving record. It’s $1,321 in Iowa. Alternatively, non-owner car insurance costs $380 on average in the United States and $193 in Iowa. But there are various factors that have an impact on rates, such as where in Iowa you live, which insurer you purchase from as well as your age and driving history. Which insurer offers the cheapest non-owner insurance rates in Iowa? Iowa’s least expensive non-owner insurance policy is offered by USAA at $68 a year. At $302 a year, Farmers Insurance charges the highest rate for non-owner insurance in the state. To find the best price, compare quotes from different insurance companies. Below is a list of the cheapest non-owner insurance available in the state. Cheapest non-owner insurance rates in Iowa CompanyAverage annual premiumUSAA$68State Farm$81Geico$143Nationwide$202Progressive$219 You should 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 generally less expensive than those of younger drivers. Iowa non-owner insurance costs, on average, $191 a year for a 45-year-old, whereas it’s $760 for a 16-year-old driver. Average non-owner car 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 Which Iowa cities have the cheapest non-owner auto insurance? There’s a great deal of variation from city to city when it comes to rates. Insurers base rates on variables like how common theft, collisions and vandalism are in different cities in the United States. Below are charts displaying 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$177Armstrong$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$243Des Moines$241Bettendorf$240Davenport$240Sioux City$236Pleasant Valley$234Windsor Heights$230Urbandale$229Clive$227West Des Moines$227Pleasant Hill$225Cedar Rapids$223Ankeny$221Waterloo$221Crescent$220Grimes$220Johnston$220Altoona$219Hiawatha$219 How much is non-owner car insurance in Iowa’s 10 biggest cities? The most populous cities in Iowa can have rates that are significantly different. The non-owner insurance price in Council Bluffs is the most expensive at $243 a year, whereas Iowa City has the cheapest rates among the state’s most populous cities at $201. Non-owner auto rates in Iowa’s 10 largest cities 10 largest cities in Iowa Non-owner car ratesCouncil Bluffs$243Des Moines$241Davenport$240Sioux City$236West Des Moines$227Cedar Rapids$223Ankeny$221Waterloo$221Ames$205Iowa City$201 How non-owner insurance rates in Iowa compare to rates in other states From state to state, the rates for non-owner car insurance can also vary. Iowa’s average non-owner insurance rate is $193, lower than the $380 average nationally. At $170 per year, South Dakota is the cheapest, followed by Idaho at an average of $190 per year. After that, it’s Iowa at $193 annually. Non-owner auto insurance rates in the 10 most populous states StateAverage annual premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385National Average$380Georgia$373Pennsylvania$337California$323Ohio$230 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 In many cases, you’ll get proof of insurance almost immediately. For a quote on a non-owner insurance policy, don’t go online and call your insurer instead. “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 contact 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. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... Full coverage auto insurance: What it costs to get covered A complete guide to car insurance for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... 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How non-owner insurance rates in Iowa compare to rates in other states How to get non-owner car insurance in Iowa Get instant quotes now ! Please enter valid zip Get quote