insure logo

Why you can trust

quality icon

Quality Verified

At, 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.

The average premium for car insurance in Iowa is $1,321 per year or $110 per month. In comparison, the national average is $1,682. There is a difference of $361 less between the national average and the state average.

There are a range of factors that affect car insurance rates. A few of them are age group, gender, driving history, credit score, and where you live.

Shop around and compare quotes to save money on your auto insurance.

Read on to learn about the average rate of full coverage, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Iowa, and car insurance rates by age group.

Summary of average car insurance cost in Iowa
Average annual cost
Average per month cost
Average cost for state minimum coverage
$263 / Year
Cheapest car insurance company
($881/ Year)
Average cost for young drivers
$1,994 / Year
Average cost for senior drivers
$1,196 / Year

Key Takeaways

  • The average car insurance cost in Iowa is $1,321 per year, based on’s analysis.
  • In Iowa, the average premium for car insurance is $110 per month.
  • Nationwide has the cheapest car insurance rates in Iowa, at an average annual rate of $881 a year.

Average car insurance cost in Iowa per month

In Iowa, the average premium for car insurance is $110 per month.

The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in Iowa, it is a promising idea to get quotes from many firms.

As per the rate analysis conducted by, the company which offers cheapest car insurance premiums in Iowa is Nationwide. The average annual cost is $881 while the average cost per month is $73. The second-best option available is, Travelers, offering insurance at an average per month cost of $91.

The table below lists the other available car insurance companies which offer car insurance in Iowa, along with their average cost per month and average annual cost.

Company nameAverage per month costAverage annual cost
State Farm$92$1,110
Farmers Insurance$119$1,423
American Family$124$1,487

Read our guide to the best car insurance companies

Average cost of car insurance by coverage levels in Iowa

The amount of coverage you purchase has an impact on how much car insurance costs in Iowa. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage.

Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in Iowa is $318.

When you add more coverage to your policy, your insurance premium increases. As the insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Iowa is $1,321 per year.

For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for property damage and bodily injury caused to another driver. In Iowa, the average annual cost for non-owner state minimum liability only is $193.

And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive in the state. The state minimum liability only coverage costs $263 per year in Iowa.

Coverage limitsAverage annual cost
50/100/50 Liability Only$318
100/300/100 Liability with $500 Comp/Coll Deductible$1,321
Non-Owner State Minimum Liability Only$193
State Minimum Liability Only$263

Average car insurance cost in Iowa by City

Your car insurance premium is determined by various factors, including your state, city, and ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.

The table below depicts the top popular cities in Iowa:

CityAverage annual cost
Des Moines$1,250
Cedar Rapids$1,220
Sioux City$1,343
Iowa City$1,140
West Des Moines$1,141
Council Bluffs$1,564

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Iowa by city

Average car insurance cost in Iowa by age

Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Iowa is $1,994 while for seniors it is $1,196. Here, the rate for young drivers is $798 more than for senior drivers.

According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered high-risk drivers because of speeding and less driving experience. However, premiums start to rise again at about age 70 when some aspects of aging start affecting driving abilities.

Average car insurance cost in Iowa for young drivers

The average car insurance cost for female young drivers in Iowa is $1,898 per year or $158 per month and rate for a male young driver is $2,090 per year or $174 per month.

The average annual rates for young male and female drivers are listed in the table below:

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers

Average car insurance cost in Iowa for senior drivers

In Iowa, the cost of car insurance for senior female driver is $1,175 per year or $98 per month and cost of car insurance for male senior driver is $1,217 per year or $101 per month.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers

Read more about senior car insurance

Minimum car insurance requirements in Iowa

Each state sets its own regulations regarding the minimum amount of car insurance coverage drivers must carry to operate a vehicle legally on the roads. According to information provided by the Iowa Department of Insurance, the following are the required coverages and minimum coverage limits in Iowa:

  • Bodily injury per person: $20,000
  • Bodily injury per accident: $40,000
  • Personal property coverage per person: $15,000

Cheapest cars to insure in Iowa

The Hyundai Venue SE has the lowest average annual insurance premium at $1,016, followed closely by the Kia Seltos EX at $1,059. The difference in the cost of insuring these two models is $43 annually.

MakeModelAverage annual premium
HyundaiVenue SE$1,016
KiaSeltos EX$1,059
ToyotaC-HR Limited$1,069
HondaHR-V EX$1,076
MazdaCX-30 S$1,079
ChryslerVoyager LX$1,083
SubaruForester 2.5I$1,084
JeepWrangler Rubicon$1,088
MazdaCX-5 S$1,088
HondaCR-V EX$1,095

Most expensive cars to insure in Iowa

The most expensive car to insure on the list is the Maserati Quattroporte, which has an average annual premium of $4,830. However, the difference between the cheapest and most expensive cars to insure is $3,814 annually.

MakeModelAverage annual premium
MaseratiGhibli Modena$4,121
MaseratiLevante Trofeo$4,055
MaseratiGhibli GT$3,982
TeslaModel S Plaid$3,840
Porsche911 Turbo$3,615
MaseratiGhibli Trofeo$3,549
PorscheTaycan Turbo S$3,459
AudiRS7 Quattro Performance$3,443
AudiRS7 Quattro Prestige$3,399

Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible.

Methodology team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability
  • $500 collision/comprehensive deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

How much is car insurance in other states

North Carolina$1,368/Year
North Dakota$1,419/Year
New Hampshire$1,307/Year
New Jersey$1,901/Year
New Mexico$1,505/Year
New York$2,020/Year
Rhode Island$1,845/Year
South Carolina$1,894/Year
South Dakota$1,581/Year
West Virginia$1,610/Year
Show more