Who Has The Cheapest Motorcycle Insurance Quotes In Iowa?
Progressive has the cheapest motorcycle insurance in Iowa at just $13 per month.
Compare Motorcycle Quotes in Iowa
Best cheap motorcycle insurance in Iowa
Motorcycle insurance isn't just a legal requirement. It also protects you and your motorcycle.
To help you find the best cheap motorcycle insurance in Iowa, ValuePenguin compared quotes from seven top companies across 31 of the largest cities in the state.
Our experts rated the best motorcycle insurance companies in Iowa based on customer service, cost and coverage availability.
To find the cheapest companies, ValuePenguin compared quotes for a full coverage policy with higher liability limits than the state minimum, collision, and comprehensive coverage. Full methodology.
Cheapest motorcycle insurance in Iowa
Progressive has the cheapest motorcycle insurance quotes in Iowa.
A full coverage policy from Progressive costs $13 per month, or $152 per year, on average. That's $5 per month less than a typical full coverage policy in Iowa.
Compare Motorcycle Quotes in Iowa
Cheap motorcycle insurance quotes in IA
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $13 | |
| Geico | $14 | |
| Allstate | $14 | |
| Dairyland | $15 | |
| Harley-Davidson | $16 | |
Best motorcycle insurance for most people: Progressive
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Editor rating
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Monthly rate
$13 ?
Pros and cons
Progressive has the best motorcycle insurance for most people based on its cheap rates and dependable service.
Progressive has the most affordable motorcycle insurance in Iowa, at $13 per month for full coverage. That's 32% cheaper than the statewide average.
Progressive's standard policy includes coverage perks that other companies typically charge extra for, and includes full replacement cost coverage. If you get a full coverage policy with comprehensive and collision, it also comes with custom and original manufacturer parts coverage.
- Full replacement cost pays to fix your bike with brand-new parts after an accident, regardless of any previous wear and tear
- Custom parts coverage for up to $3,000 of after-market parts or accessories. This includes things like a custom seat, C/B radio or saddlebags.
- Original manufacturer parts (OEM) coverage repairs your bike using parts from the original manufacturer instead of cheaper after-market parts.
However, Progressive doesn't offer some common coverage add-ons. This includes rental reimbursement after an accident and protection for your bike while you're towing it. So, it may not be the best choice if your motorcycle is your only vehicle or you regularly trailer your bike.
Progressive customers can expect a quick and easy claims process after an accident. The company gets 35% fewer customer complaints than similar insurance companies, according to the National Association of Insurance Commissioners (NAIC). That means riders are typically happy with the service they get from Progressive.
Best for daily riders: Allstate
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Editor rating
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Monthly rate
$14 ?
Pros and cons
Allstate is the best motorcycle insurance in Iowa for daily riders due to its helpful coverage add-ons.
Allstate offers rental reimbursement and roadside assistance. These coverages are essential if your motorcycle is your only way to get around.
- Rental reimbursement pays for a rental vehicle while your bike is in the shop after an accident
- Roadside assistance pays for towing and labor if your motorcycle breaks down on the side of the road
Allstate offers lots of other helpful coverage add-ons for Iowa bikers. You can get gap insurance, which can be important if you have a loan or lease on your bike. It also offers protection for your motorcycle while you're towing it on a trailer.
Allstate's rates are also affordable. Allstate customers pay around $14 per month for full coverage, which is 23% less than average in Iowa. It also has good discounts to help lower your rates. This includes discounts for bundling your car or home insurance or paying your bill in full ahead of time.
In addition, Allstate gets 27% fewer complaints than other major insurance companies, according to the NAIC. That means you can expect Allstate to get you back on the road quickly after an accident.
Best for military families: USAA
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Editor rating
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Monthly rate
$12 ?
Pros and cons
USAA offers Iowa riders with military ties the best rates and coverage.
USAA has some of the best customer service around. But it's only available to people in the military, veterans and some of their family members.
USAA doesn't sell its own motorcycle insurance. Instead, it works with Progressive, which offers USAA members a 5% discount. That means USAA members in Iowa pay an average of $12 per month for full coverage motorcycle insurance.
Progressive's full coverage policy comes with extra coverage. That makes it an excellent choice for people with new or custom bikes. Progressive includes replacement cost coverage , original manufacturer parts coverage and custom parts coverage with its full coverage policy. Most companies charge extra for these protections.
USAA has a reputation for excellent customer service. It regularly earns a high score on J.D. Power's claims satisfaction survey. That means people are usually happy with the service they get from USAA after an accident.
However, USAA has a smaller number of agents than many larger competitors. So other companies might be a better option if you prefer to work with someone in person.
Iowa motorcycle insurance cost by city
Des Moines, the largest city in Iowa, has the most expensive motorcycle insurance in the state.
On average, full coverage insurance in Des Moines costs $22 per month. Carroll, located in Western Iowa, has the cheapest rates compared to other large cities in Iowa. Full coverage in Carroll costs an average of $16 per month.
City | Monthly cost | % from average |
|---|---|---|
| Altoona | $18 | -2% |
| Ames | $19 | 1% |
| Bettendorf | $20 | 10% |
| Boone | $17 | -5% |
| Burlington | $18 | -5% |
The cost of motorcycle insurance varies based on where you live. You might pay more if you live in an area with a lot of motorcycle theft or a city with lots of crashes.
Iowa motorcycle insurance laws
Iowa riders must have motorcycle insurance to ride on public roads. This requirement is sometimes written as 20/40/15, the same as the car requirement.
- Bodily injury liability: $20,000 per person and $40,000 per accident
- Property damage liability: $15,000 per accident
Frequently asked questions
Do you need insurance on a motorcycle in Iowa?
Yes, Iowa riders must have a minimum amount of insurance to ride legally. You need $20,000 of bodily injury liability insurance per person, $40,000 per accident, and $15,000 of property damage liability.
How much is motorcycle insurance in Iowa?
The average cost of motorcycle insurance in Iowa is $18 per month for a full coverage policy. That makes Iowa the second-cheapest state in the country for motorcycle insurance.
What is the best motorcycle insurance in Iowa?
Progressive has the best motorcycle insurance for most Iowa riders. It offers the state's cheapest rates, extra coverage perks, and reliable customer service.
Compare motorcycle insurance in Iowa vs other states
Methodology
ValuePenguin collected motorcycle insurance quotes from seven major motorcycle insurance companies across 31 of Iowa's largest cities and towns. Quotes are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Rates are for a full coverage policy. It includes higher liability limits than the state requirement and comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
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