Home Home insurance 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. | 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. 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 $203 per year or $17 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 $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 levelThe average annual cost of renters insurance in Iowa is $203, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $140 a year for renters insurance in Iowa. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.The table below shows 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 premiums can vary widely between cities. To help you choose the right policy, we’ve compiled average costs by location. Explore renters insurance rates across various cities in Iowa and find the best fit for your budget.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 IowaIn Iowa, your ZIP code plays a major role in determining your premiums. Based on our data, 51243 is the most affordable ZIP code for renters insurance, with an average annual cost of $197.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 rate51243Little Rock$197$1651246Rock Rapids$198$1651011Chatsworth$198$1651230Alvord$198$1651234Boyden$198$1651239Hull$198$1651240Inwood$198$1651036Maurice$198$1651241Larchwood$198$1752776West Liberty$198$17Least 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 $218 a year or $18 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$218$18 Renters and auto bundle discounts in IowaBundling your renters and auto insurance policies is one of the easiest ways to lower your Iowa insurance rates.Bundling your policies can lead to an average annual savings of 8% in Iowa. We found that State Farm provides the most affordable rates for a renters and auto insurance bundle, allowing you to save up to 5% on your premiums each year.CompanyAverage annual rate$ bundle average savings% bundle average savingsState Farm$906$465%Pekin Insurance$1,053$565%Nationwide$1,095$494%Travelers$1,238$655%Farmers$1,241$27118%American Family$1,326$705%Iowa Farm bureau$1,371$715%Geico$1,414$413%IMT Insurance$1,470$292%Auto-Owners$1,646$875%Progressive$1,690$875%Grinnell Mutual$1,782$44520%Allstate$1,943$714%Final 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/YearWashington, D.C.$272/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. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2024 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Guide to the insurance claims history report (CLUE) By Shivani Gite Guide to off-grid home insurance By Lena Borrelli Renters insurance: Compare quotes in 2025 By Prachi Singh How to find a homeowners insurance policy By Shivani Gite Renters insurance calculator: How much renters insurance costs by state and city in 2025 By Shivani Gite Mobile home insurance cost and coverage in 2025 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 codeRenters and auto bundle discounts in IowaFinal thoughts: Average renters insurance in Iowa ZIP Code Please enter valid ZIP See rates