Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Iowa Average car insurance cost in Iowa A full-coverage car insurance policy in Iowa costs an average of $2,228 a year or $186 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: November 6, 2025 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed If you live in Iowa, you can expect to pay an average of around $186 per month for full coverage car insurance, or $2,228 per year. If you carry only your state’s minimum required liability coverage, your cost drops to about $27 monthly or $330 annually.Location plays a big role in what you pay for car insurance. Insurers calculate rates based on state-specific risk factors such as accident frequency, repair and medical costs, theft rates, and even weather-related risks. Urban areas with heavy traffic or higher crime rates tend to see higher premiums, while rural areas are often cheaper. Beyond location, your age, driving record, credit score, ZIP code, and the type of car you drive also affect your rate. Average annual cost $2,228 Average per month cost $186 Average cost for state minimum coverage $405 / Year Cheapest car insurance company Travelers($1,449 / Year) Average cost for young drivers $3,491 / Year Average cost for Senior drivers $2,000 / Year Average car insurance cost in Iowa If you’re a resident of Iowa, full coverage car insurance typically costs about $186 per month, adding up to $2,228 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $27, or $330 annually.The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.Cheapest car insurance companies in IowaIf you’re looking for affordable insurance, Travelers tops the list of the cheapest car insurance companies. Its average annual cost is $1,449 per year or $121 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Auto-Owners also provides affordable insurance rates in Iowa for a full coverage policy at an average annual insurance cost of $1,772 or $148 monthly.While these companies offer some of the lowest average premiums in Iowa, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs. Affordable car insurance providers in Iowa Graph Table Company nameAverage per month costAverage annual costTravelers$121$1,449Auto-Owners$148$1,772GEICO$156$1,871State Farm$167$2,005West Bend Insurance Company$170$2,036IMT Insurance$172$2,066Progressive$173$2,079Allstate$254$3,046Iowa Farm Bureau$268$3,212Grinnell Mutual$306$3,670USAA*$110$1,319*USAA is only available to military community members and their families.Powered by: Iowa car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Iowa Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Iowa Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State MinimumNA* Liability coverage$602/year Full Coverage$2,159/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in IowaYour car insurance premium is determined by the coverage limits you choose.If you purchase only the state’s minimum liability limits, you’ll pay $27 per month or $330 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.In Iowa, drivers typically pay $186 per month or $2,228 annually for full coverage car insurance.Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.Coverage limitsAverage annual costState minimum liability-only$330Liability only$405Full coverage$2,228Non-owner state minimum liability$171Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Iowa by citySee rates in your cityCedar RapidsDes Moines Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Iowa by cityWhere you live in Iowa can have a big impact on your car insurance rates.If you’re located in cities like Council Bluffs, Sioux City, or Des Moines, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.On the other hand, drivers in cities like Iowa City and Ankeny tend to pay much lower insurance premiums, between $1,849 and $1,912 per year.These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.CityAverage annual costIowa City$1,849Ankeny$1,912Ames$1,925West Des Moines$1,974Davenport$2,125Waterloo$2,169Cedar Rapids$2,169Des Moines$2,239Sioux City$2,346Council Bluffs$2,534Powered by:Average car insurance cost in Iowa by ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in Iowa for a full coverage policy based on your age and gender.Average car insurance cost in Iowa for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in Iowa pay an average of $4,444 per year for car insurance, while females of the same age pay $3,888.But by the time you turn 25, insurance premiums drop to $2,796 a year on average for male drivers and $2,632 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$4,444$3,88821$3,819$3,47022$3,522$3,25923$3,312$3,09124$3,151$2,956Powered by:Average car insurance cost in Iowa for adult driversOn average, an adult male driver in Iowa pays $2,243 a year for full coverage or $187 per month. Women pay $2,203 a year or $184 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,796$2,63230$2,401$2,38135$2,325$2,30540$2,236$2,21945$2,186$2,16250$2,067$2,04555$1,985$1,95760$1,952$1,926Powered by:Average car insurance cost in Iowa for senior driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $1,917 per year, while women pay $1,887. But by age 70, average premiums rise to $2,007 for men and $1,950 annually for women. At 75, rates increase even further – $2,183 for male drivers and $2,055 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,917$1,88770$2,007$1,95075$2,183$2,055Powered by:Minimum car insurance requirements in IowaWhether you’re buying insurance for the first time or moving to a new state, understanding the required liability limits in Iowa can help you avoid fines and make smarter choices about your coverage.Drivers in Iowa must carry at least the following minimum coverage limits to meet the state’s legal requirements:Bodily injury per person: $20,000Bodily injury per accident: $40,000Property damage liability: $15,000Cheapest cars to insure in IowaThe type of car you drive plays a significant role in determining your insurance premium. Vehicles with high repair expenses, theft rates or a history of accidents usually cost more to insure. On the other hand, those with high safety ratings, lower repair costs and fewer insurance claims tend to have more affordable rates.Honda CR-V is one of the cheapest cars to insure in Iowa, with an average premium of $1,573 per year. Honda HR-V has an average annual cost of $1,576.The table below shows the cars with the lowest average insurance rates.Make ModelAverage annual premiumHonda CR-V$1,573Honda HR-V$1,576Hyundai Venue$1,619Volkswagen Tiguan$1,622Hyundai Kona$1,662Toyota RAV4$1,672Toyota Corolla Cross$1,675Honda Odyssey$1,677Chevrolet Express$1,677Hyundai Tucson$1,682Powered by:Most expensive cars to insure in IowaMaserati Quattroporte is one of the most expensive vehicles to insure in Iowa, with an average annual cost of $6,953.Below is a list of the costliest vehicles to insure in Iowa and their average premiums.Make ModelAverage annual premiumMaserati Quattroporte$6,953Maserati Ghibli$6,480BMW M8 Gran Coupe$5,968Audi e-tron GT$5,889Audi RS7$5,787BMW i7$5,499Audi RS6$5,493Mercedes-AMG G63$5,400BMW X6 M$5,380Nissan GT-R$5,375Powered by:Premiums vary based on where you live and your driving history. To make sure you’re getting the right coverage at a fair price, it’s important to compare quotes from different insurers. Shopping around can help you find coverage that fits your needs and budget.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in IowaCheapest car insurance companies in IowaAverage cost of car insurance by coverage levels in IowaAverage car insurance cost in Iowa by cityAverage car insurance cost in Iowa by ageMinimum car insurance requirements in IowaCheapest cars to insure in IowaMost expensive cars to insure in IowaMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330