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Urbandale, IA Cheap Auto Insurance, Find Local Agents in Iowa for Maximum Savings

1200 Valley W. Dr Ste 206-23,
Des Moines, IA
50265
(515) 771-3097
2181 NW 111th St,
Clive, IA
50325
(515) 223-4104
7400 University Ave Ste A,
Clive, IA
50325
(515) 279-2722
8421 University Blvd Ste G,
Clive, IA
50325
(515) 222-1118
4200 University Ave Ste 200,
W. Des Moines, IA
50266
(800) 680-9223
5500 Merle Hay Rd Ste C,
Johnston, IA
50131
(515) 255-9300
2700 Westown Pkwy Ste 320,
W. Des Moines, IA
50266
(515) 267-9101
1415 28th St Ste 300,
W. Des Moines, IA
50266
(515) 457-8849
1466 28th St Ste 100,
W. Des Moines, IA
50266
(515) 223-1600
3273 100th St,
Urbandale, IA
50322
(515) 270-8870
3636 Westown Pkwy Ste 204,
W. Des Moines, IA
50266
(515) 225-6401
3703 Douglas Ave,
Des Moines, IA
50310
(515) 274-4785
4150 Westown Pkwy Ste 305,
W. Des Moines, IA
50266
(515) 224-6062
8525 Douglas Ave Ste 33,
Urbandale, IA
50322
(515) 276-3305
10546 Justin Dr,
Urbandale, IA
50322
(515) 243-4289
2740 Douglas Ave,
Des Moines, IA
50310
(515) 277-1313
1466 28th St,
W. Des Moines, IA
50266
(515) 225-9222
2600 Westown Pkwy Ste 300,
W. Des Moines, IA
50266
(515) 309-2414
1111 Ashworth Rd,
W. Des Moines, IA
50265
(515) 267-5900
4685 Merle Hay Rd Ste 207,
Des Moines, IA
50322
(515) 202-1483
1355 50th St Ste 300,
W. Des Moines, IA
50266
(515) 223-2345
3801 Douglas Ave,
Des Moines, IA
50310
(515) 274-3678
4200 University Ave Ste 305,
W. Des Moines, IA
50266
(515) 457-9711
1000 73rd St Ste 18,
Windsor Heights, IA
50324
(515) 528-2377
2625 86th St Ste B,
Urbandale, IA
50322
(515) 868-0880
6175 Merle Hay Rd,
Johnston, IA
50131
(515) 270-8487
6401 Douglas Ave Ste 9,
Urbandale, IA
50322
(515) 334-5286
2815 Beaver Ave Ste 200,
Des Moines, IA
50310
(515) 274-3838
2190 NW 82nd St Ste 3,
Clive, IA
50325
(515) 276-3822
1808 NW 121st Cir,
Clive, IA
50325
(515) 223-7818
2706 Grand Ave,
Des Moines, IA
50312
(515) 255-9515
4015 SE Grimes Blvd,
Grimes, IA
50111
(515) 986-2020
1441 29th St Ste 112,
W. Des Moines, IA
50266
(515) 263-0099
5400 University Ave,
W. Des Moines, IA
50266
(515) 225-5400
950 Office Park Rd Ste 131,
W. Des Moines, IA
50265
(515) 978-9010
5414 NW 88th St Ste 140,
Johnston, IA
50131
(515) 276-6055
6800 Douglas Ave,
Urbandale, IA
50322
(515) 255-5450
1239 73rd St Ste H,
Windsor Heights, IA
50324
(515) 274-5500
2894 106th St Ste 120,
Urbandale, IA
50322
(515) 225-1712
4949 Westown Pkwy Ste 100,
W. Des Moines, IA
50266
(515) 401-2006
6521 Merle Hay Rd,
Johnston, IA
50131
(515) 276-0914
8450 Hickman Rd Ste A2,
Clive, IA
50325
(515) 270-0445
5441 NW 86th St Ste 100,
Johnston, IA
50131
(515) 223-5566
1830 Center St,
W. Des Moines, IA
50265
(515) 221-0029
8515 Douglas Ave Ste 22,
Des Moines, IA
50322
(515) 727-5433
3001 Westown Pkwy,
W. Des Moines, IA
50266
(515) 223-6800
4566 114th St,
Urbandale, IA
50322
(515) 282-3630
2900 100th St Ste 201,
Urbandale, IA
50322
(515) 274-1111
8230 Hickman Rd,
Des Moines, IA
50325
(515) 276-1797
2600 Westown Pkwy Ste 101,
W. Des Moines, IA
50266
(515) 447-1130
2501 Westown Pkwy Ste 1104,
W. Des Moines, IA
50266
(515) 226-9565
2611 Ingersoll Ave,
Des Moines, IA
50312
(515) 243-1223
2600 Westown Pkwy Ste 101,
W. Des Moines, IA
50266
(515) 471-1301
1239 73rd St Ste A,
Windsor Heights, IA
50324
(515) 279-2285
4150 Westown Pkwy Ste 302,
W. Des Moines, IA
50266
(515) 225-8488
8800 NW 62nd Ave,
Johnston, IA
50131
(515) 286-4300
7400 University Ave Ste A,
Des Moines, IA
50325
(515) 279-7400
8350 Hickman Rd Ste 120,
Clive, IA
50325
(515) 276-6960
1454 30th St Ste 102,
W. Des Moines, IA
50266
(515) 224-4922
8450 Hickman Rd Ste 14d,
Clive, IA
50325
(515) 278-6132
7020 Douglas Ave Ste F,
Urbandale, IA
50322
(515) 270-1232
8230 Hickman Rd Ste 500,
Clive, IA
50325
(515) 276-0148
1239 73rd St Ste L,
Windsor Heights, IA
50324
(515) 707-0087
8525 Douglas Ave Ste 33,
Urbandale, IA
50322
(515) 253-9970
75th And Douglas Ave,
Des Moines, IA
50322
(515) 278-2100
4000 Ingersoll Ave,
Des Moines, IA
50312
(515) 255-6916
8525 Douglas Ave Ste 37,
Urbandale, IA
50322
(515) 276-5084
7517 Douglas Ave Ste 10,
Urbandale, IA
50322
(515) 270-0928
1248 8th St Ste 200,
W. Des Moines, IA
50265
(515) 226-0985
8818 Swanson Blvd,
Clive, IA
50325
(515) 277-7227
5414 NW 88th St Ste 140,
Johnston, IA
50131
(319) 621-7308
3912 NW Urbandale Dr,
Urbandale, IA
50322
(515) 278-8882
3812 Ingersoll Ave Fl 2,
Des Moines, IA
50312
(515) 274-0411
4200 University Ave Ste 200,
W. Des Moines, IA
50266
(515) 244-0166
3839 Merle Hay Rd,
Des Moines, IA
50310
(515) 278-2249
10052 Justin Dr Ste E,
Urbandale, IA
50322
(515) 221-0448
1001 Office Park Rd Ste 218,
W. Des Moines, IA
50265
(515) 223-8000
2400 86th St Ste 1s,
Urbandale, IA
50322
(515) 270-0718
8435 University Blvd Ste 2,
Clive, IA
50325
(515) 267-8188
974 73rd St,
Des Moines, IA
50324
(515) 252-0071
3839 Merle Hay Rd,
Des Moines, IA
50310
(515) 633-2203
8515 Douglas Ave Ste 20,
Urbandale, IA
50322
(515) 270-9090
6773 Hickman Rd,
Des Moines, IA
50322
(515) 276-9275
5800 Merle Hay Rd Ste 3,
Johnston, IA
50131
(515) 270-1224
1001 Office Park Rd Ste 303,
W. Des Moines, IA
50265
(515) 278-6026
908 8th St,
W. Des Moines, IA
50265
(515) 440-2262
6733 University Ave,
Windsor Heights, IA
50324
(515) 280-9000
8525 Douglas Ave Ste 37,
Urbandale, IA
50322
(515) 251-8891
4214 101st St,
Urbandale, IA
50322
(515) 457-7824
4600 Westown Pkwy Ste 117,
W. Des Moines, IA
50266
(515) 222-9000
513 Maple St,
W. Des Moines, IA
50265
(515) 224-0526
8400 Hickman Rd,
Clive, IA
50325
(515) 252-1414
5526 NW 86th St Ste B,
Johnston, IA
50131
(515) 331-6536
6011 Grand Ave,
Des Moines, IA
50312
(515) 279-5984
4347 Merle Hay Rd Ste C,
Des Moines, IA
50310
(515) 270-6461
1248 8th St Ste 200,
W. Des Moines, IA
50265
(515) 334-0800
2400 86th St Ste 1s,
Urbandale, IA
50322
(515) 276-7700
1200 Valley West Dr Ste 702,
W. Des Moines, IA
50266
(515) 223-1950
7517 Douglas Ave Ste 11,
Urbandale, IA
50322
(515) 270-1880
1001 Office Park Rd Ste 121,
W. Des Moines, IA
50265
(515) 282-5038
7012 Madison Ave Ste D,
Urbandale, IA
50322
(515) 276-6310
8525 Douglas Ave Ste 33,
Urbandale, IA
50322
(515) 253-0207
3821 71st St Ste J,
Urbandale, IA
50322
(515) 276-0450
5741 University Ave,
Des Moines, IA
50311
(515) 274-4022
721 21st St,
W. Des Moines, IA
50265
(515) 225-6231
8541 Hickman Rd,
Urbandale, IA
50322
(515) 278-4618
3317 109th St,
Urbandale, IA
50322
(515) 278-7007
1904 Grand Ave,
W. Des Moines, IA
50265
(515) 327-8622
12421 Meredith Dr,
Urbandale, IA
50398
(480) 307-8657
1200 Valley West Dr Ste 708,
W. Des Moines, IA
50266
(515) 225-1933
4115 University Ave Ste 100,
Des Moines, IA
50311
(515) 274-3444
12345 University Ave Ste 300,
Des Moines, IA
50325
(515) 224-4391
1200 Valley West Dr Ste 503,
W. Des Moines, IA
50266
(888) 867-8555
2217 Beaver Ave,
Des Moines, IA
50310
(515) 277-6331
2929 Merle Hay Rd,
Des Moines, IA
50310
(515) 270-4818
8515 Douglas Ave Ste 17,
Urbandale, IA
50322
(515) 278-4681
4446 128th St,
Urbandale, IA
50323
(515) 276-2541
4500 Westown Pkwy Ste 277,
W. Des Moines, IA
50266
(515) 327-2020
509 5th St,
W. Des Moines, IA
50265
(515) 277-5049
Top Tips to Save on Your Auto Premium
You want to be sure to compare cheap car insurance quotes and with local agents to maximize your savings.
Top rated insurers like USAA, Progressive, Hartford, and Liberty Mutual are best. Over 84% are satisfied with claims handling with them.
Be sure to check your policy for mileage. If you drive less you can save hundreds more per year.
Don't assume an older model vehicle cost less to insure. Insurers go by the safety rating.
An easy way to lower comprehensive and collision coverage is to raise your deductible.
Take advantage of all discounts. Which can be 20% or more in savings.
A good driving history is the best way to keep your insurance rates as low as possible.
If you pay for coverage upfront in full you can save an additional 10% to 20%.
Don't let your coverage lapse. If so, you will see a spike in rates.
Before buying a car shop for quotes to see how much your premium may be.
If you have an older model vehicle consider dropping optional coverage such as comprehensive and collision.
Do some research and take a few minutes to learn the minimum coverage and other factors which apply in your state.
Maintain good credit to keep your premium as low as possible.
Make sure to do an annual rate check. Plus coverage you may or may not need.

Pros & Cons of Each Insurer

Type company name in search bar to find the pros, cons, and ratings. Otherwise each insurer is from highest to lowest rated.

CompanyProsConsRating out of 5 Stars
AmicaZero restrictions on which body shop you use for repairs.Few driver discounts, including pre-pay, low mileage, and military discounts.5
USAAJ. D. Power has rated USAA with a "perfect" score. Financial stability is highest rating of superior. USAA is only available to members of the military and their immediate family.5
AllstateAllstate offers a claims satisfaction guarantee. With Allstate's claims guarantee is typically a higher price in premiums. 4.5
American FamilyAttractive features, discounts and benefits including the teen safe driver program. Coverage is only available in 19 states. To get an online quote you have to enter your car's VIN. 4.5
Auto-Owners Good enhancement options from Auto-Owners Personal Automobile Plus Package. Service and claims handling is top notch. No national coverage. Auto-Owners offer coverage in 26 states.4.5
Country Financial Been in business for 85 years and has top financial strength. 24/7 customer service. Coverage is only available in 17 states.4.5
ErieFor South, Midwest, or Mid-Atlantic regions Erie consistently get high marks. Limited to certain regions of the country. 4.5
GEICOConsistently offers the lowest price. Known to raise rates during the time of the policy. 4.5
NationwideNationwide rewards accident-free years with its vanishing deductible program.Coverage isn’t available in Alaska, Hawaii, Louisiana, or Massachusetts.4.5
TravelersTravelers offers rates well below the national average. Not all coverage options are available in all states. Some customer complaints reported with billing/collection and customer service issues.4.5
ElectricValuable features and benefits for new cars, such as original equipment coverage. Perks for General Electric employees. Numerous discounts offered to bring your premium low. Mixed reviews on communications, billing, and collection practices.4.3
Cincinnati FinancialOffers Personal Auto Plus program to help drivers get low premiums. Strong financial ratings with lower than average industry complaints. Spotty complaints by consumers of claims process. Online presence is poor you normally have to call an agent. 4.2
Liberty MutualStrong customer service with attractive features such a new and better car replacement. New and Better car replacement are not offered in all states. And reports of poor claims handling for automobile repairs. 4
MetLifeMetLife includes several extras at no cost, such as expanded coverage when you rent a car and identity theft protection.Other than group discounts and standard bundling discounts, there aren’t a lot of opportunities for savings.4
Ameriprise FinancialVery attractive discounts and strong financial rating. Limited availability. Only 14 states you can get a policy.4
Tennessee FarmersLots of discounts such as distant student, homeowners, incident forgiveness, and more are available to give you better rates. No rate hikes for small claims/fender benders. If you get into a small accident, you won’t have to worry about the stability of your premium.Not all policy options are available in every state. 4
Progressive1 out of 10 drivers have Progressive. Offers roadside assistance and has strong financial strength. Doesn't offer new or better car replacement.4
Texas Farm BureauOffers competitive rates for all age drivers particularly drivers over 35. Not offered in all states. Only available in Texas. Focuses more on life insurance rather than auto. Many customers say there may be substantial rate hikes year by year. 4
FarmersWith Farmers you can insure about everything. Customer service is not 24/7 and reports of not-so-great claims handling. 4
Plymouth RockExcellent coverage with competitive premium rates. High satisfaction rate with customers. Considered by most reviews as the 1st or 2nd cheapest in the state of New Jersey. Only available in Connecticut, Massachusetts, New Hampshire, and New Jersey. It features several customer “perks” like the Get Home Safe® cab/ride share program and Door to Door Valet Claim Service. For unmarried drivers in the 4 states offered they are one of the cheapest. 4
Safeco24/7 customer support with a comprehensive line of products plus discounts. 24/7 claims handling. Customers have complained of claims being underpaid. 4
21st CenturyPart of Farmers. Has a partnership with Foremost Insurance to provide insurance on specialty vehicles like motorcycles and ATVs.If you have coverage outside of California you'll be directed to Farmers or Foremost.4
HartfordMechanical breakdown coverage helps cover the cost of repairs that aren’t covered by your car’s warranty. Claims satisfaction rating is only 2 out of 5 stars. 4
EsuranceOffers low rates, first rate website, and good customer service. Customers claim Esurance will penalize for cancelling a policy. No local agents. 4
Southern Farm BureauAffordable rates in the markets they service with a bevy of discount options.
Faster than average claim payout times.
Policyholders seem very happy with Farm Bureau's personable customer service.
Can be tough to get in touch with the correct person at times when filing a claim.
There have been several reports of cancelled policies after an initial claim.
4
NJMCompetitive premiums and offerings.
High satisfaction with claims processing and coverage. Most customers stay with them once covered.
Insurance only available to employees of select organizations.
Only in New Jersey and Pennsylvania.
4
Safety Ins.VIP Claims Centers from Safety can be a great way to expedite the claims settlement process and minimize upheaval / interruption in drivers' lives. Rates are low for married and unmarried drivers.
Local expertise and concentration of personnel and service facilities in Massachusetts and New Hampshire.
Only available in Massachusetts and New Hampshire. Many customers say the claims process can be extremely slow with many followups after a claim submission. 4
WawanesaIf you have a clean driving record your premium should be below average with this insurer. Available only in California and Oregon. Drivers with infractions may have a substantially higher premium. 3.9
TitanGood, fairly priced options for non-standard auto insurance.
Coverage and company affiliated and backed by Nationwide parent company.
Only available in 26 states. The complaints are higher than average compared to similar insurers.3.8
Alfa MutualGood ratings on their financial strength, and a lower than average complaint index.Some customers complain of delays in and poor investigations during the claims resolution process. Coverage strongest in Alabama, Mississippi, and Georgia. Known in these states: Texas, Missouri, Indiana, Ohio, Virginia, Tennessee, Arkansas, and Kentucky3.5
AlliedRecent partnership with Nationwide increases their coverage area and availabilityMight not get the same level of coverage and customer service in all areas. Not knowing which company you’re dealing with might cause confusion during the claims process3.5
Farm Bureau MutualOffers lower than average rates. Has a suite of discounts and affinity programs. Only available in 19 states.3.5
ArbellaSolid financial strength and business ratings should make you more confident in choosing Arbella. Competitive rates inside their service area.Auto policies only available in two states, Massachusetts and Connecticut.3.5
Grange MutualBeen in business since 1935 with over 1 billion in revenues. Can offer rates lower than main-street companies.Coverage available on in 12 states, Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, South Carolina, Tennessee, Virginia and Wisconsin.3.5
MercuryMercury has a network of nearly 6,000 agents. Available in Arizona, California, Florida, Georgia, Illinois, Michigan, New Jersey, Nevada, New York, Oklahoma, Pennsylvania, Texas, and Virginia.Some policyholders have expressed concerns in reviews about delays and lack of timely response and follow-up from claims representatives.3.5
Auto ClubExcellent roadside assistance service.
AM Best Rating of A+ Superior. Multiple membership discounts.
Drivers complain new vehicles will have excessive fees. 3.5
Kentucky Farm BureauOffers lower rates than most competitors. Nice discount options and coverage terms. Not available in all states. Only in Kentucky. 3.5
EncompassStrong financial ratings. Are able to get unique and tailor policy options at a reasonable price.Poor reviews by customers of claims process. 3.4
ElephantGood repair assistance program to help drivers with damage vehicles. Premiums are lower than average. Only available in Virginia, Texas, Illinois, and Maryland. Consumer complaints are higher than average.3.2
AcceptanceGreat for non-standard or high risk drivers. Drivers with good driving history will pay above average. Claims process can be time consuming. 3.1
State FarmSuperior claims handling. State Farm has been the best at claims for years. Doesn’t offer stacked uninsured motorist or new car replacement coverages.3
Horace MannEstablished for teachers and those part of union, etc. Offers competitive rates. Claims process can be slow and payout from accidents are lower than expected. 3
Home StateHome State insurance was originally chartered in 1948. Less known company with little advertising. Strongest in Texas and currently owned by Berkshire Hathaway Group. Specializes in nonstandard policies for drivers.Limited to area where you can get coverage from them. Price of policy is typically higher than the average policy holder. This is to be expected with nonstandard policy coverage. 3
HanoverEasy to customize your policy. Nice string of discounts.Prices can be higher than average.3
MapfreCan get low rates through Mapfre in Northeastern states such as Massachusetts.MAPFRE’s geographical territory is limited to 18 U.S. states. Not all policy options are available in every state.3
KemperKemper has excellent financial strength, flexible payment options and attractive discounts for policyholders.Their rates can be higher than average. 3
The GeneralHisk risk drivers can get a policy with The General. Good for a person with a history of auto accidents. Has a reputation of not paying out claims in a timely fashion. Not good do for a driver with a clean record.3
SentrySentry has the highest financial strength rating available from A.M. Best. Attractive discounts to lower your premium by 20% or more. There are a number of customer complaints in the areas of products and services.3
State Auto GroupState Auto provides a variety of insurance options including car, home, farm, and business. Premium prices are usually average with many customers getting a lower rate from their previous carrier. Been in business since 1921 and policies are offered in 27 states. Claims handling process has poor reviews throughout online review portals. Many customers claim of substantially high rate hike after small claims. 3
ChubbCan pay with Agreed Settlements upfront. Choice of repair shops and no rental car daily limit. Tailors to individuals with higher than average net worth. 3
Good2goOffers extremely low rates some as little at $30 a month. Strong financial ratings.No brand recognition. Most believe to be a new company though Good2go has 25 years experience. 2.5
InfinityImmigrant friendly. With an AB 60 driver’s license resource center, immigrants can learn how to get a license in one place. If you’re new to the country, this company is very supportive of your driving.Infinity does make the JP Power list. Have to assume the financials aren't that great. 2.5
LoyaAccess to full-service and proprietary offices where agents can handle quotes and claims.Mixed reviews on claims resolution and response times. Only available in the states of CA, CO, IL, NV, NM, and TX2.5
National GeneralSmart Services add features and coverages which most other companies don’t offer. Discounts for using or being affiliated with General Motors.Mixed reviews of claims handling and auto insurance coverage types. 2.5
SafewayIt is difficult to find anything good about this company. Presentation of inconsistent information from website and agents. 2
Access AutoBasic online website with some options so you don't have to talk to an agent. Better Business Bureau ratings are poor. Many times it is difficult to get a claims adjuster on the phone. 1.9

Minimum Coverage by State, Uninsured Motorist Protection, & Personal Injury Protection

Type your state in the search to find details.

Average Yearly Premium SavingsStateMinimum Auto Insurance Coverage Uninsured Motorist Protection Required?Personal Injury Protection (PIP) Required?
$613/yrAlabama25/50/25
$765/yrAlaska50/100/25
$875/yrArizona15/30/10
$643/yrArkansas25/50/25
$912/yrCalifornia15/30/5
$1,008/yrColorado25/50/15
$876/yrConnecticut20/40/10
$1,043/yrDelaware15/30/10
$342/yrFlorida10/20/10
$1,754/yrGeorgia25/50/25
$438/yrHawaii20/40/10
$775/yrIdaho25/50/15
$954/yrIllinois20/40/15
$1,211/yrIndiana25/50/10
$658/yrIowa20/40/15
$699/yrKansas25/50/10
$1,211/yrKentucky25/50/10
$533/yrLouisiana15/30/25
$732/yrMaine50/100/25
$619/yrMaryland30/60/15
$323/yrMassachusetts20/40/5
$487/yrMichigan20/40/10
$769/yrMinnesota30/60/10
$1,006/yrMississippi25/50/25
$790/yrMissouri25/50/10
$643/yrMontana25/50/10
$628/yrNebraska25/50/25
$876/yrNevada15/30/10
$899/yrNew Hampshire25/50/25
$893/yrNew Jersey15/30/5
$937/yrNew Mexico25/50/10
$1,041/yrNew York25/50/10
$473/yrNorth Carolina30/60/25
$644/yrNorth Dakota25/50/25
$612/yrOhio25/50/25
$687/yrOklahoma25/50/25
$653/yrOregon25/50/20
$1,687/yrPennsylvania15/30/5
$743/yrRhode Island25/50/25
$834/yrSouth Carolina25/50/25
$531/yrSouth Dakota25/50/25
$589/yrTennessee25/50/15
$1,634/yrTexas30/60/25
$897/yrUtah25/65/15
$921/yrVermont25/50/10
$465/yrVirginia25/50/20
$855/yrWashington25/50/10
$1,710/yrWest Virginia20/40/10
$1,027/yrWisconsin25/50/10
$318/yrWyoming25/50/20