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In Iowa, renters insurance rates depend on factors like your insurer, chosen coverage limits and personal circumstances. On average, renters pay $203 annually or $17 monthly for a policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible.
Key Takeaways
- The average cost of renters insurance in Iowa is $203 per year or $17 per month.
- West Bend Mutual provides the least expensive renters insurance in Iowa at an average rate of $134 annually.
- Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Iowa.
Average renters insurance cost in Iowa per month
In Iowa, the average cost of renters insurance is $17 per month. However, the exact premiums may vary based on factors like your location, the value of your belongings, and the amount of coverage you choose. It’s always a good idea to compare quotes from multiple insurers to ensure you get the best deal.
| Average renters ins cost per month | Difference compared to national average |
|---|---|
| $17 | $5 less |
Average renters insurance cost in Iowa by company
According to our data, West Bend Mutual provides the most affordable renters insurance in Iowa, with an average annual rate of $134, followed by Nationwide and Auto-Owners.
Getting quotes from multiple renters insurance companies in Iowa is a good idea, as prices can differ significantly among insurers.
Below, you can find average annual and monthly renters insurance rates from various companies in Iowa.
| Company | Average annual rate | Average monthly rate |
|---|---|---|
| West Bend Mutual | $134 | $11 |
| Nationwide | $140 | $12 |
| Auto-Owners | $149 | $12 |
| State Farm | $159 | $13 |
| Iowa Farm bureau | $167 | $14 |
| IMT Insurance | $215 | $18 |
| Allstate | $256 | $21 |
| Farmers | $273 | $23 |
| American Family | $283 | $24 |
Renters insurance calculator in Iowa
Average cost of renters insurance in Iowa by coverage level
On average, Iowa renters pay $203 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.
Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Iowa to $147 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.
Below are the average annual renters insurance costs in Iowa for personal property coverage of $20,000 and $40,000.
| Coverage level | Average annual renters insurance rate | Average monthly renters insurance rate |
|---|---|---|
| $20,000 with $500 Deductible and $100,000 Liability | $143 | $12 |
| $20,000 with $500 Deductible and $300,000 Liability | $159 | $13 |
| $20,000 with $1,000 Deductible and $100,000 Liability | $132 | $11 |
| $20,000 with $1,000 Deductible and $300,000 Liability | $147 | $12 |
| $40,000 with $500 Deductible and $100,000 Liability | $206 | $17 |
| $40,000 with $500 Deductible and $300,000 Liability | $221 | $18 |
| $40,000 with $1,000 Deductible and $100,000 Liability | $188 | $16 |
| $40,000 with $1,000 Deductible and $300,000 Liability | $203 | $17 |
| $60,000 with $500 Deductible and $100,000 Liability | $264 | $22 |
| $60,000 with $500 Deductible and $300,000 Liability | $280 | $23 |
| $60,000 with $1,000 Deductible and $100,000 Liability | $241 | $20 |
| $60,000 with $1,000 Deductible and $300,000 Liability | $257 | $21 |
Average cost of renters insurance in Iowa by city
Renters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Iowa.
Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below.
Renters insurance rates in Iowa by city
Average cost of renters insurance in Iowa by ZIP code
Renters insurance costs in Iowa vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.
Most affordable ZIP codes for renters insurance in Iowa
How much Iowa renters pay for insurance depends on the ZIP code they live in. 51243 is the most affordable ZIP code for renters insurance in Iowa among all the ZIP codes analyzed, at $197 a year on average.
Rates vary by ZIP code, so comparing quotes is one of the easiest ways to get the best deal on renters insurance in Iowa.
| ZIP code | City | Average annual rate | Average monthly rate |
|---|---|---|---|
| 51243 | Little Rock | $197 | $16 |
| 51246 | Rock Rapids | $198 | $16 |
| 51011 | Chatsworth | $198 | $16 |
| 51230 | Alvord | $198 | $16 |
| 51234 | Boyden | $198 | $16 |
| 51239 | Hull | $198 | $16 |
| 51240 | Inwood | $198 | $16 |
| 51036 | Maurice | $198 | $16 |
| 51241 | Larchwood | $198 | $17 |
| 52776 | West Liberty | $198 | $17 |
Least affordable ZIP codes for renters insurance in Iowa
50319 is the most expensive ZIP code for renters insurance in Iowa, at an average cost of $218 annually or $18 monthly.
We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in Iowa. The table below shows the average annual renters insurance rates by ZIP code.
| ZIP code | City | Average annual rate | Average monthly rate |
|---|---|---|---|
| 50319 | Des Moines | $218 | $18 |
Final thoughts: Average renters insurance in Iowa
Renters insurance is essential for residents of Iowa. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.
To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.
How much is renters insurance in other states
Explore other insurance options in Iowa
Related Articles
- Average renters insurance cost in Iowa per month
- Average renters insurance cost in Iowa by company
- Average cost of renters insurance in Iowa by coverage level
- Average cost of renters insurance in Iowa by city
- Average cost of renters insurance in Iowa by ZIP code
- Final thoughts: Average renters insurance in Iowa