Who Has The Cheapest Motorcycle Insurance Quotes In Iowa?

Motorcycle insurance isn't just a legal requirement — it also protects you as a rider and your motorcycle.

Cheapest motorcycle insurance companies in Iowa

While the typical price for motorcycle insurance in Iowa we found is $411 per year, some insurers are more affordable than others. Progressive was the cheapest option overall, at $312 per year. Nationwide, Geico and Allstate also had affordable rates below $400 per year.

Cheapest motorcycle insurance companies in Iowa

Best motorcycle insurance for most people: Progressive

We were very impressed with Progressive's affordable motorcycle insurance, at an average cost of just $312 per year. It’s the cheapest we found — $99 less expensive than the typical price overall.

Riders also have a lot of opportunities to save with Progressive, as it offers discounts for taking a safety class or belonging to a motorcycle affinity group. You can also reduce your rates by bundling with another Progressive policy, such as auto insurance.

Progressive has many coverage options available to motorcyclists, too, including includes extra coverage for accessories or custom parts, as well as trip interruption coverage.

Finally, Progressive has good customer service. Its NAIC complaint index is 0.77, which means customers are about 77% as likely to complain about their service as at a typical company. But it's not the best customer service we saw in Iowa.

Best customer service: Allstate

Iowa motorcycle riders who prioritize strong customer service should consider Allstate. It has the best service rating of any insurer we considered. Its NAIC complaint index is an impressive 0.63, which means it only received 63% as many complaints as a typical insurer relative to its size. This suggests customers tend to be satisfied with the service they receive.

Allstate's rates are pretty affordable, too. Though it can't beat Progressive, the cheapest option we found in Iowa, Allstate customers can expect to pay $368 per year, which is still 10% less than the average rate across all insurers we looked at. As a major home and auto insurer, Allstate also offers good discounts, including bundling your car insurance and paying your bill in full ahead of time.

Allstate has an adequate selection of optional coverages, including coverage for accessories and trailers. But its offerings aren't as robust as Progressive's.

Best for military families: USAA

People in the military, veterans and some of their family members can get an extra discount on insurance through USAA. The company has some of the best customer service around, but is only available to a limited group of consumers.

USAA doesn't sell its own motorcycle insurance, though. Instead, it works through Progressive: USAA members get a 5% discount on a Progressive policy, which can be added to Progressive's robust set of discounts.

However, USAA has a smaller number of agents than many larger competitors, so it would not be a top option for those looking to work with someone in person.

Best-rated Iowa motorcycle insurers

You need your insurance company to be there for you after a crash or if your motorcycle gets damaged, so having an insurer you can count on is essential.

We measure a company's level of service in two important ways: the Complaint Index issued by the National Association of Insurance Commissioners (NAIC) and the company's AM Best Financial Strength Rating.

The NAIC Complaint Index compares a company's number of complaints with its share of the market. Lower numbers indicate better performance, and the average score is 1.0. A company with a better AM Best rating is in a better position to pay out claims, even in tough economic conditions.

The NAIC combines car and motorcycle insurance into a single industry category. This means the scores are based on each company's combined premiums for motorcycles and cars.

Iowa motorcycle insurance cost by city

The cost of motorcycle insurance varies based on where you live. You might pay more than average if you live in an area with a lot of motorcycle theft, or a city with poorly maintained roads, which may lead to crashes.

Iowa motorcycle insurance requirements

In Iowa, motorcyclists are required by law to carry insurance in order to ride on public roads. The amount of coverage required is the same as for cars:

Methodology

We collected motorcycle insurance quotes from five major motorcycle insurance companies that operate in Iowa: Allstate, Dairyland, Geico, Nationwide and Progressive. Our sample rider was a 45-year-old man who rides a 2021 Harley-Davidson Street Glide. The coverage limits we used, which surpass the state minimums, are: