Non-owner auto insurance in Iowa: Which company has the cheapest rates?

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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

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

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

The 20 Iowa cities with the highest non-owner auto insurance rates

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

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

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:

1. Contact an auto insurance agent about the coverage
2. Supply your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. 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.