Motorcycle Insurance in Iowa
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Average Monthly Motorcycle Insurance Rates by Company in Iowa
Motorcycle insurance rates vary by insurance company, your motorcycle, riding history, ZIP code, age, coverage selections, and available discounts. Comparing multiple carriers is one of the easiest ways to find the right combination of price and protection.
Average monthly by carrier
- Pricing ranges from $54.50 (GEICO) to $111.44 (Dairyland) ... a spread of $56.94.
- Based on real auto insurance quotes grouped into 2 company results, the average across this view is $82.97. The spread is about 104% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2166 | 1gW1jQTdcLr_7gLLPsjrTsJPvfa9iu5W | 2026-04-08 | IA | 50401 | 2007 | Cadillac | unknown | unknown | liability_only | Dairyland | 111.44 | 0 | 1 | 0 | |||
| 2162 | 16CPEvjMv6znaiQNNi7zRhafj-U2qnqK | 2026-04-08 | IA | MAY CITY | 50401 | 2007 | Cadillac | Escalade | unknown | unknown | liability_only | GEICO | 54.50 | 0 | 0 | 0 |
Table of Contents
Iowa Bike Coverage
Liability, guest passenger, UM/UIM, MedPay, comp/collision, accessories & gear, roadside — we tailor coverage for Harley, Yamaha, Kawasaki, BMW and more.
See coverages side by side in our comparison hub.
What Affects Price
Bike type, engine size, mileage, ZIP code, driving history, coverage limits, deductibles, and prior insurance all influence your premium.
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Average Liability-Only Motorcycle Insurance Rates in Iowa
Liability-only motorcycle insurance is often the lowest-cost option for riders who own their motorcycle outright and only need to meet Iowa’s minimum insurance requirements.
Average monthly by carrier
- Pricing ranges from $54.50 (GEICO) to $111.44 (Dairyland) ... a spread of $56.94.
- Based on real auto insurance quotes grouped into 2 company results, the average across this view is $82.97. The spread is about 104% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2166 | 1gW1jQTdcLr_7gLLPsjrTsJPvfa9iu5W | 2026-04-08 | IA | 50401 | 2007 | Cadillac | unknown | unknown | liability_only | Dairyland | 111.44 | 0 | 1 | 0 | |||
| 2162 | 16CPEvjMv6znaiQNNi7zRhafj-U2qnqK | 2026-04-08 | IA | MAY CITY | 50401 | 2007 | Cadillac | Escalade | unknown | unknown | liability_only | GEICO | 54.50 | 0 | 0 | 0 |
Liability-only coverage pays for injuries and property damage you cause to others but does not cover damage to your own motorcycle. If your bike is financed or has significant value, comparing full coverage options may provide better protection.
Brian Muse
Customer Service Representative