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Tracking down the cheapest homeowners insurance for you takes some digging and comparing quotes from multiple home insurance companies.

Home insurance companies gauge risk differently from one another. One insurer may put more emphasis on one metric and not as much on another.

That’s why getting quotes from at least three homeowners insurance companies is an essential part of shopping for the cheapest homeowners insurance in Iowa. We found that IMT has the lowest average home insurance rates in Iowa at $1,700 per year on average.

Let’s take a look at homeowners insurance in Iowa and how to find the best home insurance rates.

Key Takeaways

  • The cheapest homeowners insurance for $300,000 dwelling coverage, $300,000 liability protection and $1,000 deductible in Iowa is offered by IMT at $1,700 per year.
  • The homeowners insurance in Iowa is $235 more than the national average.
  • The zipcode 52074 offers the cheapest homeowners insurance in Iowa at $2,216 per year.

Cheap homeowners insurance companies in Iowa

IMT, Nationwide and Travelers have the three cheapest Iowa homeowners insurance rates, on average.

Here are average annual premium for homeowners insurance in Iowa for a policy with $300,000 dwelling coverage and $300,000 liability protection with a $1,000 deductible.

CompanyAverage annual premiumAverage monthly premium
IMT$1,700$142
Nationwide$1,962$164
Travelers$2,050$171
USAA$2,297$191
Foremost$2,385$199
Allied$2,472$206
Amco$2,486$207
Garrison$2,599$217
Allstate$2,717$226
Fire Insurance$3,032$253
Farm Bureau$3,073$256
State Farm$3,447$287
Safeco$3,918$327
American Family$4,030$336
Farmers$4,861$405
Auto Owners$13,232$1,103

Compare cheap homeowners insurance in Iowa by ratings

Experts at Insure.com compared the cheapest homeowners insurance companies in Iowa based on J.D. Power score and AM best rating. Among the carriers surveyed, USAA received the highest J.D. power score — 882 out of 1000.

Find below the list of cheap homeowners insurance companies and J.D. Power score and AM Best rating.

CompanyJ.D. Power scoreAM Best rating
USAA882A++
State Farm835A++
American Family831A
Allstate829A+
Farmers813A
Nationwide812A+
Safeco810A
Liberty Mutual806A
Travelers800A++

How much is home insurance in Iowa

The average homeowners insurance in Iowa is $2,540 for $300,000 dwelling and $300,000 liability coverage with a $1,000 deductible.

Beyond location, insurance providers also consider claims history for you, your home and the area; building costs; coverage level; and credit history.

Filing multiple claims is one way to see much higher home insurance premiums.

Average annual premiumAverage monthly premium
$2,540$212

Cheapest homeowners insurance in Iowa by ZIP code

Homeowners insurance costs vary in Iowa. Location, including ZIP code, is just one aspect of home insurance costs.

Here are the average home insurance cost by city/ZIP codes in Iowa:

ZIP codeAverage annual premiumAverage monthly premium
52074$2,216$185
52069$2,235$186
52075$2,239$187
52757$2,247$187
52032$2,248$187
52054$2,251$188
52727$2,252$188
52001$2,254$188
52031$2,256$188
52732$2,257$188
52070$2,259$188
52071$2,260$188
52337$2,262$188
52079$2,264$189
52731$2,268$189

Know how much is home insurance in other states

Alaska$1,799/Year
Alabama$2,981/Year
Arkansas$3,439/Year
Arizona$1,976/Year
California$1,166/Year
Colorado$3,082/Year
Connecticut$1,961/Year
Washington D.C.$1,488/Year
Delaware$1,521/Year
Florida$3,439/Year
Georgia$2,555/Year
Hawaii$499/Year
Idaho$1,842/Year
Illinois$2,201/Year
Indiana$2,423/Year
Kansas$3,931/Year
Kentucky$2,862/Year
Louisiana$3,270/Year
Massachusetts$1,920/Year
Maryland$1,518/Year
Maine$1,833/Year
Michigan$2,153/Year
Minnesota$3,010/Year
Missouri$3,111/Year
Mississippi$3,340/Year
Montana$2,809/Year
North Carolina$2,009/Year
North Dakota$2,601/Year
Nebraska$3,133/Year
New Hampshire$1,455/Year
New Jersey$1,744/Year
New Mexico$2,299/Year
Nevada$1,486/Year
New York$1,840/Year
Ohio$2,107/Year
Oklahoma$4,445/Year
Oregon$1,608/Year
Pennsylvania$1,720/Year
Rhode Island$2,125/Year
South Carolina$2,678/Year
South Dakota$3,172/Year
Tennessee$2,692/Year
Texas$3,429/Year
Utah$1,378/Year
Virginia$1,956/Year
Vermont$1,212/Year
Washington$1,514/Year
Wisconsin$1,732/Year
West Virginia$2,486/Year
Wyoming$2,083/Year
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Les Masterson
Contributor

 
  

Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. In his career, he has covered everything from health insurance to presidential politics.

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