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If you’re looking for car insurance rates in Iowa, the average annual premium is $1,630, per year or $136 monthly. This contrasts with the national average of $1,895, highlighting a variation of $265. Various elements influence car insurance rates, including age, gender, driving record, credit score, and location.
This guide talks about the average cost of full coverage in the state, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Iowa, and breaks down car insurance rates by age group. To save on your auto insurance expenses, it’s advisable to shop around and compare quotes.
Keep reading to ensure that your insurance policy aligns with your needs without exceeding your budget.
Key Takeaways
- The average car insurance cost in Iowa is $1,630 per year, based on Insure.com’s analysis.
- In Iowa, the average premium for car insurance is $136 per month.
- Travelers has the cheapest car insurance rates in Iowa, at an average annual rate of $1,238 a year.
Average car insurance cost in Iowa per month
In Iowa, car insurance costs around $136 per month on average.
It’s a common occurrence for the cost of the same coverage to vary among companies, which is true of every auto insurance company. Thus, when seeking car insurance rates in Iowa, it’s wise to obtain quotes from multiple firms.
Cheapest car insurance companies in Iowa
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.
Affordable car insurance providers in Iowa
| Company name | Average per month cost | Average annual cost |
|---|---|---|
| Travelers | $103 | $1,238 |
| State Farm | $109 | $1,306 |
| West Bend Insurance Company | $109 | $1,311 |
| Auto-Owners | $122 | $1,461 |
| Progressive | $132 | $1,589 |
| IMT Insurance | $136 | $1,634 |
| Geico | $143 | $1,716 |
| Iowa Farm Bureau | $150 | $1,796 |
| Allstate | $177 | $2,126 |
| Grinnell Mutual | $216 | $2,591 |
| USAA | $97 | $1,165 |
Read our guide to cheap car insurance companies
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Average cost of car insurance by coverage levels in Iowa
The extent of coverage you select determines car insurance costs in Iowa. Your liability limits and whether you opt for comprehensive, or collision coverage determine your premiums.
Liability-only insurance protects against third-party property damage and personal injuries in accidents. However, in the event of a collision, having liability coverage alone would not extend to your injuries or personal property damage since you are responsible for the accident. For instance, with a 50/100/50 liability-only coverage limit, the average annual cost in Iowa amounts to $320.
Expanding your policy to include more coverage results in a higher insurance premium. This is because the insurance provider is liable to compensate you for accidents or other damage. Consequently, the average annual cost of full coverage car insurance in Iowa stands at $1,630.
Non-owner state minimum liability coverage is the most appropriate choice for individuals who do not own a vehicle but regularly rent one. Like liability-only coverage, it protects property damage and bodily injury inflicted upon another driver. In Iowa, the average annual cost for non-owner state minimum liability coverage stands at $153.
Meanwhile, for those who wish to save money on car insurance premiums, selecting only the state minimum liability coverage enables legal driving within the state. The annual cost for state minimum liability coverage alone amounts to $260 in Iowa.
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
Average car insurance cost in Iowa by city
Your car insurance premium is determined by several factors, such as your state, city, and even ZIP code. The frequency of accidents and the probability of vehicle theft or vandalism play a role in determining the overall cost associated with a city or ZIP code.
The table below depicts the top popular cities in Iowa:
| City | Average annual cost |
|---|---|
| Ames | $1,387 |
| Ankeny | $1,371 |
| Cedar Rapids | $1,543 |
| Council Bluffs | $1,876 |
| Davenport | $1,538 |
| Des Moines | $1,585 |
| Iowa City | $1,351 |
| Sioux City | $1,713 |
| Waterloo | $1,590 |
| West Des Moines | $1,391 |
Average car insurance cost in Iowa by age of the driver
Age plays a significant role in determining auto insurance rates. Teenagers have a higher chance of being involved in a car accident compared to any other age group. In Iowa, the average annual rate for young drivers is $2,575, whereas for seniors, it is $1,468. The rate for young drivers exceeds that of senior drivers by $1,107.
Statistics show that young drivers are more likely to be involved in vehicle accidents than more seasoned drivers. As a result, they are classified as high-risk individuals and are more expensive to insure. This classification is primarily due to tendencies such as speeding and limited on-road experience. However, premiums begin to increase again around the age of 70, as certain aspects of aging may impact driving capabilities.
Average car insurance cost in Iowa for young drivers
In Iowa, the auto insurance premium for female young drivers averages at $2,455 annually, or $205 monthly, while male young drivers face a yearly rate of $2,696, or a monthly average of $225.
The average annual rates for young male and female drivers are listed in the table below:
| Age of driver | Average annual cost for Male drivers | Average annual cost for Female drivers |
|---|---|---|
| 20 | $3,243 | $2,864 |
| 21 | $2,820 | $2,543 |
| 22 | $2,619 | $2,395 |
| 23 | $2,457 | $2,283 |
| 24 | $2,341 | $2,188 |
Average car insurance cost in Iowa for senior drivers
In Iowa, the annual car insurance cost for senior female drivers is $1,440 or $120 monthly. Similarly, male senior drivers face a yearly insurance cost of $1,496 per year, with a monthly average of $125.
| Age of driver | Average annual cost for Male drivers | Average annual cost for Female drivers |
|---|---|---|
| 65 | $1,413 | $1,395 |
| 70 | $1,471 | $1,422 |
| 75 | $1,606 | $1,504 |
Read more about senior car insurance
Minimum car insurance requirements in Iowa
Every state establishes guidelines regarding the minimum car insurance coverage drivers must possess to be able to drive vehicles legally. As per details provided by the Iowa Department of Insurance, the required coverages and minimum coverage limits in Iowa are as follows:
- 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 Honda HR-V has the most affordable average annual insurance premium, standing at $1,393. The Hyundai Venue is followed closely at $1,394 per year. The difference in the cost of insuring these two models is $1 annually.
| Make | Model | Average annual premium |
|---|---|---|
| Honda | HR-V | $1,393 |
| Hyundai | Venue | $1,394 |
| Mazda | CX-30 | $1,406 |
| Toyota | Corolla Cross | $1,415 |
| Kia | Seltos | $1,437 |
| Chevrolet | TrailBlazer | $1,439 |
| Volkswagen | Taos | $1,445 |
| Honda | CR-V | $1,454 |
| Ford | Maverick | $1,463 |
| Toyota | Highlander | $1,468 |
Most expensive cars to insure in Iowa
Topping the list as the most expensive car to insure is the Audi R8 Performance, at an average annual premium of $6,642. Notably, the annual difference between the least and most expensive cars to insure amounts to $5,249.
| Make | Model | Average annual premium |
|---|---|---|
| Audi | R8 Performance | $6,642 |
| Maserati | Quattroporte | $6,277 |
| Maserati | Quattroporte Trofeo | $6,236 |
| Maserati | Ghibli Trofeo | $6,109 |
| Porsche | Taycan Turbo | $5,253 |
| Maserati | Ghibli | $5,124 |
| Audi | R8 | $5,123 |
| Porsche | Panamera 4S E-Hybrid | $5,075 |
| Porsche | Panamera Turbo S E-Hybrid | $4,977 |
| Porsche | Panamera GTS | $4,858 |
Methodology
The Insure.com team worked with Quadrant Information Service to get car insurance data. Our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. 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 of 100/300/100. The quoted insurance rates are for comparison purposes, and your rates may vary.
57M
Quotes reviewed
136
No. of carriers analyzed
34.5K
ZIP codes analyzed
How much is car insurance in other states
Explore other insurance options in Iowa
- Average car insurance cost in Iowa per month
- Cheapest car insurance companies in Iowa
- Average cost of car insurance by coverage levels in Iowa
- Average car insurance cost in Iowa by city
- Average car insurance cost in Iowa by age of the driver
- Minimum car insurance requirements in Iowa
- Cheapest cars to insure in Iowa
- Most expensive cars to insure in Iowa
- Methodology