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 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 is a licensed life, health, and disability insurance agent and an auto and home insurance expert. She has written extensively on insurance topics for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com as well as for Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker and The Financial Gym. | Updated on: January 16, 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. 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 monthIn 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 monthDifference compared to national average$17$5 lessAverage renters insurance cost in Iowa by companyAccording 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.CompanyAverage annual rateAverage monthly rateWest Bend Mutual$134$11Nationwide$140$12Auto-Owners$149$12State Farm$159$13Iowa Farm bureau$167$14IMT Insurance$215$18Allstate$256$21Farmers$273$23American Family$283$24 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 $188/year Estimated renters insurance rates in Iowa $16 Monthly renters insurance cost in Iowa -24% Compared to national average Get quotes Average cost of renters insurance in Iowa by coverage levelOn 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 levelAverage annual renters insurance rateAverage 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$21Average 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 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 cityCedar RapidsDavenportDes MoinesAverage cost of renters insurance in Iowa by ZIP codeRenters 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 IowaHow 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 codeCityAverage annual rateAverage monthly rate51243Little Rock$197$1651246Rock Rapids$198$1651011Chatsworth$198$1651230Alvord$198$1651234Boyden$198$1651239Hull$198$1651240Inwood$198$1651036Maurice$198$1651241Larchwood$198$1752776West Liberty$198$17 Least affordable ZIP codes for renters insurance in Iowa50319 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 codeCityAverage annual rateAverage monthly rate50319Des Moines$218$18Final thoughts: Average renters insurance in IowaRenters 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 statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more Explore other insurance options in Iowa Average homeowners insurance cost in Iowa Average car insurance cost in Iowa Non-owner auto insurance in Iowa Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Most Americans don’t 1/1 Related Articles Home insurance claims: How to file and what you should know By Chris Kissell How to calculate your home’s replacement cost By Nupur Gambhir Homeowners insurance basics By Shivani Gite How much does dog liability insurance cost and do you need it? By Lena Borrelli Condo insurance calculator: Estimate the cost of coverage By Jessica Olson Home insurance for older homes with knob and tube wiring By Erik Martin 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