Iowa Car insurance calculator

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If you drive in Iowa, you know how important it is to have the right car insurance – but finding a policy that fits your needs and budget isn’t always simple. That’s why we built the Iowa car insurance calculator: to help you quickly estimate costs and explore coverage options that work for you.

Our calculator uses your vehicle’s make and model to estimate your average annual and monthly premiums in Iowa, making it easier to compare options and choose the coverage that’s right for you.

How to use our car insurance calculator to estimate your rates in Iowa

Our calculator gives you a fast, customized car insurance estimate. Enter a few details to see your potential rates and easily compare coverage options – no guesswork required.

Step 1: Choose the model year of your car.
Step 2: Choose the make and model of your car.
Step 3: Choose your state.
Step 4: Click on the “Get My Rates” button to get a car insurance estimate.
Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices.

Tell us about your car to get an estimate.

Vehicle year

State

Vehicle make

Vehicle model

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Acura Integra

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/year

Recommended

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 2025

Does your vehicle model affect car insurance rates in Iowa?

Your car’s make and model play a major role in determining your insurance rates, along with other factors insurers use when setting premiums.

For example, the average annual full coverage cost for a Honda Accord LX in Iowa is $1,914, while the average premium for a Honda CR-V is $1,573 – that’s a difference of $341 annually.

Does your car’s model year affect insurance rates in Iowa?

In Iowa, your car’s model year affects how much you pay for insurance. For example, a 2023 Honda Accord LX has an annual premium of $2,619 per year, while the 2024 model costs $1,839 annually to insure.

Quick tip: Review your state’s minimum insurance requirements before choosing a policy

Each state sets its own minimum car insurance requirements, and Iowa is no different. To drive legally, you’ll need at least the minimum liability coverage, which generally includes:

Bodily injury liability per person and per accident
Property damage liability

These limits offer the minimum coverage, but many drivers choose higher coverage to protect themselves after an accident.

Driving without the required coverage in Iowa can lead to fines, license suspension and even vehicle impoundment.

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 city

Cedar Rapids

Des Moines

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How your car’s trim affects insurance rates in Iowa

In Iowa, insurance premiums vary depending on your vehicle’s trim. Higher trims with upgraded technology or more powerful engines are often more expensive to insure because of their costly replacement and repair costs.

For instance, full coverage car insurance for a 2023 Honda Accord LX in Iowa costs $2,619 per year. On the other hand, the Honda Accord EX-L trim costs $2,302 annually to insure – a difference of $317.

Luxury features such as premium audio systems can increase a vehicle’s value, leading to higher premiums. Similarly, performance trims with larger engines may raise insurance premiums due to the higher risk of accidents or speeding.

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How much drivers pay for car insurance in Iowa

In Iowa, the average cost of full-coverage car insurance is $2,228 per year or $186 per month. Your premium may be higher or lower depending on your chosen coverage limits.

Below, you’ll find estimated costs for different coverage levels in Iowa, but keep in mind that your final rate will vary based on your own personal factors like your vehicle and driving record.

Coverage level	Average annual rate	Average monthly rate
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll	$2,228	$186
Liability Only – 50/100/50 BI/PD	$405	$34
State Minimum BI/PD	$330	$27
Non-Owners	$171	$14

How much is car insurance in Iowa by city

In Iowa, where you live, greatly impact your car insurance costs. Factors including congestion, accident rates, climate conditions and crime rates affect premiums. As a result, drivers in Bedford pay about $2,782 per year for a full coverage policy, where as drivers in Coralville pay $1,808 annually.

Top 20 cities with cheapest car insurance rates in Iowa

City	Avg. Annual Premium	Avg. Monthly Premium
Coralville	$1,808	$151
Iowa City	$1,849	$154
Ankeny	$1,912	$159
Ames	$1,925	$160
Grimes	$1,925	$160
Johnston	$1,931	$161
Urbandale	$1,942	$162
Stanhope	$1,949	$162
Gilbert	$1,955	$163
Le Claire	$1,962	$164
Eldridge	$1,971	$164
Story City	$1,974	$165
West Des Moines	$1,974	$164
Long Grove	$1,977	$165
Clive	$1,979	$165
West Burlington	$1,979	$165
Burlington	$1,983	$165
Mason City	$1,983	$165
Windsor Heights	$1,983	$165
Princeton	$1,985	$165

Top 20 cities with most expensive car insurance in rates Iowa

City	Avg. Annual Premium	Avg. Monthly Premium
Bedford	$2,782	$232
Gravity	$2,758	$230
Blockton	$2,684	$224
Jasper	$2,681	$223
Villisca	$2,680	$223
Clearfield	$2,661	$222
Redding	$2,658	$222
Sharpsburg	$2,656	$221
Mount Ayr	$2,634	$220
Nodaway	$2,630	$219
Shambaugh	$2,626	$219
Lenox	$2,603	$217
New Market	$2,602	$217
Carter Lake	$2,592	$216
Kellerton	$2,591	$216
Prescott	$2,585	$215
Thurman	$2,585	$215
Carbon	$2,582	$215
Van Wert	$2,581	$215
Sidney	$2,580	$215

Estimate your Iowa car insurance cost with our calculator

Our Iowa car insurance calculator gives you a quick estimate based on factors like your location, vehicle, and model year. Enter a few details to see a personalized estimate in seconds. Actual quotes can differ, so it’s smart to compare offers from multiple insurers to find your best rate.

How much is car insurance in other states

Alaska$2,215/Year

Alabama$2,107/Year

Arkansas$2,723/Year

Arizona$2,333/Year

California$3,010/Year

Colorado$3,222/Year

Connecticut$2,726/Year

Washington, D.C.$3,394/Year

Delaware$3,097/Year

Florida$3,852/Year

Georgia$2,739/Year

Hawaii$1,721/Year

Idaho$1,791/Year

Illinois$1,901/Year

Indiana$1,856/Year

Kansas$2,410/Year

Kentucky$2,976/Year

Louisiana$4,180/Year

Massachusetts$2,430/Year

Maryland$2,273/Year

Maine$1,701/Year

Michigan$3,146/Year

Minnesota$2,561/Year

Missouri$2,410/Year

Mississippi$2,455/Year

Montana$2,541/Year

North Carolina$2,587/Year

North Dakota$2,079/Year

Nebraska$2,387/Year

New Hampshire$1,650/Year

New Jersey$2,736/Year

New Mexico$2,486/Year

Nevada$3,284/Year

New York$2,898/Year

Ohio$1,739/Year

Oklahoma$2,705/Year

Oregon$1,927/Year

Pennsylvania$2,428/Year

Rhode Island$2,706/Year

South Carolina$2,367/Year

South Dakota$2,635/Year

Tennessee$2,214/Year

Texas$2,631/Year

Utah$2,250/Year

Virginia$1,837/Year

Vermont$1,504/Year

Washington$2,175/Year

Wisconsin$2,026/Year

West Virginia$2,557/Year

Wyoming$1,984/Year

Shivani Gite

Contributing Writer

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.

On this page

How to use our car insurance calculator to estimate your rates in Iowa
Does your vehicle model affect car insurance rates in Iowa?
Does your car's model year affect insurance rates in Iowa?
How your car's trim affects insurance rates in Iowa
How much drivers pay for car insurance in Iowa
How much is car insurance in Iowa by city
Estimate your Iowa car insurance cost with our calculator

Iowa car insurance calculator