Home Renters insurance Renters insurance cost Average renters insurance cost in Iowa Average renters insurance cost in Iowa Discover the average cost of renters insurance in Iowa and how factors like location and coverage levels can impact your rate. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani GiteShivani GiteShivani 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.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onApril 9, 2026 Why you can trust Insure.com Quality Verified 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. Renters insurance costs in Iowa vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Iowa is $216 per year or $18 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ. Key Takeaways The average cost of renters insurance in Iowa is $216 per year or $18 per month.West Bend Insurance Company 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 monthThe average cost of renters insurance in Iowa is $18 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.Average renters ins cost per monthDifference compared to national average$18$6 lessPowered by:Average renters insurance cost in Iowa by companyRenters in Iowa can find the most budget-friendly insurance with West Bend Insurance Company, which has an average annual cost of $134, according to our data. Other affordable options include Auto-Owners and Nationwide.It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.Below are the average annual and monthly renters insurance rates from various insurers in Iowa.CompanyAverage annual rateAverage monthly rateWest Bend Insurance Company$134$11Auto-Owners$153$13Nationwide$157$13State Farm$172$14IMT Insurance$214$18Allstate$283$24Farmers$285$24Iowa Farm Bureau$294$24American Family$305$25Powered by: Renters insurance calculator in Iowa Select your state Iowa Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $200/year Estimated renters insurance rates in Iowa $17 Monthly renters insurance cost in Iowa -26% Compared to national average Get quotes Average cost of renters insurance in Iowa by coverage levelAs we discussed above, the average cost of renters insurance in Iowa is $216 per year. These rates are for a coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $160 per year for renters insurance in Iowa, which provides $300,000 in liability protection with a $1000 deductible.Below are the average renters insurance costs in Iowa for personal property coverage amounts of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$157$13$20,000 with $500 Deductible and $300,000 Liability$172$14$20,000 with $1,000 Deductible and $100,000 Liability$144$12$20,000 with $1,000 Deductible and $300,000 Liability$160$13$40,000 with $500 Deductible and $100,000 Liability$219$18$40,000 with $500 Deductible and $300,000 Liability$235$20$40,000 with $1,000 Deductible and $100,000 Liability$200$17$40,000 with $1,000 Deductible and $300,000 Liability$216$18$60,000 with $500 Deductible and $100,000 Liability$277$23$60,000 with $500 Deductible and $300,000 Liability$294$24$60,000 with $1,000 Deductible and $100,000 Liability$253$21$60,000 with $1,000 Deductible and $300,000 Liability$270$22Powered by:Average cost of renters insurance in Iowa by cityRenters 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 in Iowa by citySee rates in your cityCedar RapidsDes MoinesAverage cost of renters insurance in Iowa by ZIP codeIn Iowa, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.Most affordable ZIP codes for renters insurance in IowaIn Iowa, your ZIP code plays a major role in determining your premiums. Based on our data, 51230 is the most affordable ZIP code for renters insurance, with an average annual cost of $210.Comparing quotes from multiple insurers in Iowa is a smart way to find the best renters insurance rates for your ZIP code.ZIP codeCityAverage annual rateAverage monthly rate51230Alvord$210$1850014Ames$210$1851234Boyden$210$1851239Hull$210$1851240Inwood$210$1852240Iowa City$210$1850201Nevada$210$1851246Rock Rapids$210$1852776West Liberty$210$1852730Camanche$211$18Powered by:Least affordable ZIP codes for renters insurance in IowaYour ZIP code, among other factors, affects how much you pay for renters insurance in Iowa. 50319 is the least affordable ZIP code for Iowa renters at an average cost of $231 a year or $19 monthly.We have analyzed quotes from the major insurance carriers across all the ZIP codes in Iowa. Below are the average annual renters insurance costs by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate50319Des Moines$231$1951652Sidney$226$1951654Thurman$226$1951637College Springs$225$1951630Blanchard$224$1950839Carbon$224$1951501Council Bluffs$224$1951639Farragut$224$1950841Jasper$224$1951649Randolph$224$19Powered by: Final thoughts: Average renters insurance in IowaRenters insurance is a must-have for renters in Iowa. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.Shivani GiteContributing 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.How much is renters insurance in other statesAlaska$269/YearAlabama$390/YearArkansas$406/YearArizona$275/YearCalifornia$300/YearColorado$224/YearConnecticut$325/YearDelaware$207/YearFlorida$215/YearGeorgia$353/YearHawaii$252/YearIdaho$190/YearIllinois$294/YearIndiana$268/YearKansas$254/YearKentucky$209/YearLouisiana$579/YearMassachusetts$229/YearMaryland$251/YearMaine$211/YearMichigan$471/YearMinnesota$218/YearMissouri$249/YearMississippi$429/YearMontana$284/YearNorth Carolina$436/YearNorth Dakota$200/YearNebraska$314/YearNew Hampshire$160/YearNew Jersey$238/YearNew Mexico$195/YearNevada$263/YearNew York$328/YearOhio$255/YearOklahoma$299/YearOregon$295/YearPennsylvania$325/YearRhode Island$560/YearSouth Carolina$314/YearSouth Dakota$208/YearTennessee$309/YearTexas$223/YearUtah$246/YearVirginia$270/YearVermont$181/YearWashington$249/YearWisconsin$185/YearWest Virginia$244/YearWyoming$142/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in IowaBest and cheapest homeowners insurance companies in IowaHow much does condo insurance cost in Iowa in 2025? 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Most Americans don’t 1/1 Related Articles How much do claims increase home insurance premiums? By Les Masterson $400K home insurance cost calculator By Zack Sigel Highest cost of living states in the U.S. By Tonya Sisler Homeowners insurance rates by state: See how your state compares in 2026 By Alisha Ambre Average homeowners insurance cost by ZIP code in 2026 By Barry Eitel Cost of living by state By Chris Kissell On this page Average renters insurance cost in Iowa per monthAverage renters insurance cost in Iowa by companyAverage cost of renters insurance in Iowa by coverage levelAverage cost of renters insurance in Iowa by cityAverage cost of renters insurance in Iowa by ZIP codeFinal thoughts: Average renters insurance in Iowa ZIP Code Please enter valid ZIP See rates (844) 761-9316