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 onMarch 3, 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 companyAccording to our data, West Bend Insurance Company provides the most affordable renters insurance in Iowa, with an average annual rate of $134, followed by Auto-Owners and Nationwide.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 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 levelOn average, Iowa renters pay $216 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 $160 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$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 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. 51230 is the most affordable ZIP code for renters insurance in Iowa among all the ZIP codes analyzed, at $210 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 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 IowaAmong the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Iowa is 50319, with an average cost of $231 a year or $19 monthly.We analyzed quotes from multiple insurance providers across every ZIP code in Iowa. Below, you’l find the average annual renters insurance premiums broken down 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 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.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 $400K home insurance cost calculator By Zack Sigel Cost of living by state By Chris Kissell Cost of living calculator By Nupur Gambhir How much do claims increase home insurance premiums? By Les Masterson How to file a successful mold claim By Chris Kissell Home and auto insurance bundle: Best companies and rates 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