Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Iowa Average homeowners insurance cost in Iowa Homeowners insurance in Iowa costs $2,642 per year or $220 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: April 14, 2025 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. Whether you’re a new homeowner or looking to buy insurance for your current home, securing the right homeowners’ insurance is crucial. Rates may vary depending on your insurance company and the coverage limits you choose.According to Insure.com’s data analysis, the average cost of homeowners insurance in Iowa is $2,642 a year. Continue reading to learn more about homeowners insurance rates in Iowa by ZIP code and insurer. Key Takeaways Homeowners insurance costs an average of $2,642 a year, based on Insure.com analysis.Of all the ZIP codes in Iowa, 52001 has the most affordable home insurance rates at around $2,266 annually.In Iowa, West Bend Insurance Company provides the most affordable home insurance at an average annual premium of $1,522. Average home insurance cost in Iowa by coverage levelThe average cost of homeowners insurance in Iowa is $2,642 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $3,217 per year for homeowners insurance in Iowa for $100,000 in liability protection and $1,000 deductible. Below, you can find the average cost of homeowners insurance in Iowa for dwelling coverage of $300,000, $400,000 and $500,000.Coverage Average annual rate Average monthly rate$200,000 with $1,000 Deductible and $100,000 Liability and None Deductible$2,011 $168 $200,000 with $1,000 Deductible and $300,000 Liability and None Deductible$2,022 $169 $300,000 with $1,000 Deductible and $100,000 Liability and None Deductible$2,642 $220 $300,000 with $1,000 Deductible and $300,000 Liability and None Deductible$2,654 $221 $400,000 with $1,000 Deductible and $100,000 Liability and None Deductible$3,217 $268 $400,000 with $1,000 Deductible and $300,000 Liability and None Deductible$3,230 $269 $600,000 with $1,000 Deductible and $100,000 Liability and None Deductible$4,377 $365 $600,000 with $1,000 Deductible and $300,000 Liability and None Deductible$4,392 $366 $1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible$6,709 $559 $1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible$6,729 $561 Homeowners insurance companies in Iowa decide rates based on risk. They consider your location, claims history, credit history and coverage limit when calculating premiums.If your neighborhood has seen many claims over the past few years, you can expect to pay higher home insurance rates than an area with few to no claims. Your credit score can also play a role in determining your home insurance costs. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in IowaIt’s always a good idea to shop around and compare prices before purchasing homeowners insurance. Several factors come into play when choosing the best homeowners insurance company.We evaluated homeowners insurance providers in Iowa by comparing their NAIC scores and AM Best ratings and compiled a list of the top insurers in the state. Based on Insure.com’s analysis, Auto-Owners received the lowest NAIC score and an AM Best rating of A++. A lower NAIC score signifies fewer complaints relative to the company’s size, indicating greater customer satisfaction.Company Average annual premiumAM Best rating NAIC Complaint IndexOverall scoreAuto-Owners$1,858A++0.335West Bend Insurance Company$1,522A+0.424.99IMT Insurance$2,316A0.354.49American Family$2,315A0.374.45Farmers$3,081A0.543.55Nationwide$2,519A+0.873.4State Farm$2,426A++0.953.39Allstate$2,842A+0.93.11Average homeowners insurance cost by company in IowaWest Bend Insurance Company offers the most affordable homeowners insurance in Iowa, at an average annual premium of $1,522, followed by Auto-Owners and American Family.You can save hundreds — if not thousands — of dollars each year if you shop around for homeowners insurance.Here are the average annual and monthly insurance rates for Iowa homeowners for a policy with $300,000 dwelling coverage and $100,000 liability protection with a $1,000 deductible.Company Average annual rate Average monthly rateWest Bend Insurance Company$1,522$127Auto-Owners$1,858$155American Family$2,315$193IMT Insurance$2,316$193State Farm$2,426$202Nationwide$2,519$210Allstate$2,842$237Farmers$3,081$257Iowa Farm Bureau$3,339$278USAA$2,811$234Iowa homeowners insurance rates by ZIP codeInsurance providers in Iowa factor in the risk of a given location when determining rates. ZIP codes with higher crime rates or frequent natural disasters are typically classified as high-risk, leading to increased premiums. Additionally, the cost of rebuilding or repairing homes in that area can affect your homeowners insurance costs.To get the best deal on homeowners insurance rates in Iowa, take the time to shop around and compare quotes from multiple insurers. Additionally, don’t forget to ask about potential discounts, like bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in IowaHome insurance costs vary across different areas in Iowa. What you pay for homeowners insurance depends on several factors, including your ZIP code. According to our data, the 52001 ZIP code has the lowest home insurance rates in Iowa, at $2,266 annually or $189 per month.Here are the homeowners insurance rates for some of the most affordable ZIP codes in Iowa.ZIP codeAverage annual rateAverage monthly rate52001$2,266$18952002$2,268$18952073$2,285$19052756$2,291$19152039$2,293$19152033$2,294$19152053$2,298$19152768$2,299$19252003$2,300$19252804$2,307$192Most expensive ZIP codes for home insurance rates in IowaYour ZIP code is a key factor in determining the cost of your homeowners insurance coverage. In Iowa, certain areas have higher insurance premiums due to elevated crime rates, increased risk of natural disasters, and higher living costs.51501 has the most expensive homeowners insurance rates in Iowa at an average annual cost of $3,106.Below, we’ve highlighted some of the most expensive ZIP codes in Iowa for home insurance:ZIP codeAverage annual rateAverage monthly rate51501$3,106$25951510$3,100$25851542$3,062$25551653$3,038$25351649$3,034$25351548$3,033$25351639$3,025$25251559$3,018$25251576$3,017$25151109$3,008$251Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in Iowa by cityCedar RapidsDavenportDes MoinesHome insurance rate trend in IowaWe analyzed home insurance rate trends in Iowa and found that homeowners insurance rates experienced an overall increase of 11% or $253, from 2022 to 2023.The below data shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$2,137$2,389$2,642To find the right homeowners insurance, research thoroughly and compare costs from multiple insurers, as they assess risk differently. Getting quotes from at least three companies helps ensure you get the most affordable coverage in Iowa.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed April 2025.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Iowa Average renters insurance cost in Iowa Average car insurance cost in Iowa Non-owner auto insurance in Iowa How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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