Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 11, 2020

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A quick run though the satellite dish, radio stations or even logging into one’s e-mail account will quickly fine a barrage of advertisements geared towards which Iowa car insurance companies are the best of the best and why.

Ultimately, although one company may have the most customers or offer unique services, when it comes to car insurance, the best company out there is the one that best fits the individual customer’s needs.

Enter your ZIP code above for FREE car insurance quotes no matter which state you reside!

car insurance needsHere is a quick comparison of the 10 most popular car insurance companies in Iowa as well as a brief list of benefits and features they offer.

Remember, when selecting car insurance, whether individually or for one’s family, it is important to research multiple companies and find the one that best suits one’s needs.

Table of Contents

1. GEICO

GEICO is the company with the talking lizard offering to save customers 15% in just 15 minutes on their car insurance policy.

Funny commercials and talking reptiles aside, when one digs into GEICO, they will find the following options available to them:

  • Policy Discounts for good drivers, safe drivers, mature drivers, military personnel and policies with multiple vehicles covered
  • 24/7 online access to view car insurance policies, upgrades and downgrades
  • 24/7 customer service access to a live Customer Service Representative for any questions pertaining to individual policies
  • Flexible payment options including automatic payments, online payments or mail payments
  • Rental Car coverage in the event the vehicle is totaled or in need of repair

2. Esurance

With coverage rated by A.M. Best as “Excellent” and customer service available to their customers 24/7, Esurance prides themselves on their around the clock customer services. There are also a number of different features they offer their customers when it comes to their car insurance:

  • Coverage Counselors available to help customize car insurance quotes for prospective customers
  • Claims can be filed day or night via their online claims function
  • 24/7 customer service access to a live Customer Service Representative for any questions pertaining to individual policies
  • When repairs are needed, customers can monitor their progress either online or through their mobile phone apps
  • Car repairs for the life of the vehicle as long as the customer may own it

3. Liberty Mutual

Although not as heavily advertised, Liberty Mutual is one of the most popular car insurance companies in the state of Iowa. Much like their competitors, Liberty Mutual offers their customers many of the same great features such as:

  • Car insurance coverage for Liability, Collision and Comprehensive policies
  • Medical and personal injury payment protection
  • Accident forgiveness
  • New car replacement
  • Unlimited rental terms while a vehicle is being repaired
  • Discounts for multiple vehicles covered by each policy

iowa-top-companies

4. State Farm

State Farm has been providing coverage to their customers since 1922.

With nearly 100 years of providing tried and true service to their customers, State Farm customers can expect their claims to be resolved quickly and well above expectations.

Some of the features offered by State Farm are:

  • Up to 40% in discounts for good drivers, good students, safe drivers, ant-theft device installation, defensive driving courses, multiple car, and multiple coverage policies.
  • 24/7 online access to view car insurance policies, upgrades and downgrades
  • 24/7 customer service access to a live Customer Service Representative for any questions pertaining to individual policies
  • Newly introduced Discount Double Check to ensure every customer is receiving every discount for which they qualify

5. AllState

Ensuring their customers are always in good hands, AllState offers discounts up to 45% for their customers who prove themselves to be safe drivers.

There are a number of other great features offered by AllState to cover a multitude of drivers and their individual needs. Here are some of the other products AllState offers as it pertains to their car insurance:

  • Deductible rewards offers drivers with clean and consistent driving records a decrease in their overall deductible up to $500
  • Accident Forgiveness up to multiple accidents based on policy
  • Bonuses for safe drivers in which drivers who continue to exhibit safe driving records can receive refund checks over time
  • New Car replacement when new vehicles are totaled within the first three model years

6. Progressive

Progressive is the company whose name-laden SUVs Iowans see driving all around town. One of the biggest features Progressive offers is their ability to beat most of their competitors in price as well as their ability to be on site within minutes to assess most car insurance needs due to their roving fleet of representatives. Here are a few other features Progressive offers:

  • Snapshot insurance offers up to 30% discounts for bundling their car insurance packages together
  • Variable payment plan options providing flexibility in how and when customers make their payments throughout the year
  • Multiple customized packages covering comprehensive and collision, bodily injury and property damage liability, Uninsured/Underinsured motorists, Lease/Loan payoff and many others

iowa companies for car insurance

7. AAA

Another in the line of long-standing car insurance companies popular in Iowa is AAA. Known best for their roadside assistance, AAA has long provided coverage to Iowans as well as Americans in general for over the past century. In addition to their exceptional roadside assistance, AAA also offers their customers the following:

  • Battery replacement for those times when the battery opts to quit working
  • Auto maintenance as needed
  • Discounts on auto repair or purchasing new vehicles
  • Online access to repair fees and gas cost as customers travel across the country
  • Special rates when financing new vehicles as well as premium insurance rates on certain vehicles

8. 21st Century

While definitely considered one of the lesser advertised car insurance companies, 21st Century looks to prove there worth more in the services they provide as opposed to the advertising they produce. Offering some of the same features and benefits of their competitors, customers of 21st Century can expect the following features:

  • Coverage for bodily injury, comprehensive and collision, property damage, uninsured/underinsured motorists
  • Instant online access to insurance premiums and packages
  • 24/7 customer service coverage for filing claims or questions pertaining to packages
  • Discounts for a variety of drivers such as mature drivers, safe drivers, student drivers and many more

9. Nationwide

With a customer recommendation rate of 95%, Nationwide is proving to be a go-to for car insurance providers in Iowa. Here is a brief rundown of many of the benefits Nationwide customers can come to expect:

  • Customers are provided a written guarantee on repair quotes for damaged vehicles
  • A wide selection of repair shops within the local area in which vehicles can be repaired after an accident
  • Online access to follow the progress of a repair when needed
  • Discounts up to 25% for bundling a variety of insurance policies

choosing car insurance

10. American Family

Last but definitely not least, American Family Insurance is one of the few companies on the list to have earned a J.D. Power and Associates Award for their Auto Insurance coverage. Covering a wide variety of vehicles, American Family is another of the best car insurance companies available to Iowans. Here is a short list of features they offer:

  • Discounts available for multiple vehicle policies, good students, air bags and security features and being a good driver
  • 24/7 access to emergency roadside services as needed
  • Flexible payment options for premiums throughout the year
  • Varying levels of deductibles making plans affordable for all customers

As one can see, there are many similar options available in the market today when it comes to car insurance. As previously mentioned, it is important for each individual to determine the specific needs of themselves or their families in effort to meet their customized car insurance needs.

One of the easiest ways to do this is to go online and do some comparison shopping for both coverage and rates. With a little effort, one can easily determine which car insurance company is right for them.

So don’t wait any longer! Enter your ZIP and read our guide to find the best rates!