- Iowa car insurance cost averages $1,898 per year for full coverage, or around $158 on a monthly basis.
- When compared to Midwest states, Iowa ranks first for cheapest car insurance cost and ranks fourth out of all 50 states.
- Drivers looking for cheap Iowa car insurance should focus on compact SUVs like the Subaru Crosstrek, Nissan Kicks, and Buick Envision.
How much does car insurance cost in Iowa?
The average cost of car insurance in Iowa is $1,898 per year, which is 15.7% less expensive than the U.S. average rate of $2,221. Average car insurance cost per month in Iowa costs $158 for a policy that provides full coverage.
Average car insurance quotes in Iowa for the five most popular vehicles
- Ford F-150 pickup – $2,124 per year ($177 per month)
- Honda CR-V compact SUV – $1,618 per year ($135 per month)
- Chevrolet Equinox compact SUV – $1,746 per year ($146 per month)
- Toyota RAV4 compact SUV – $1,750 per year ($146 per month)
- Chevrolet Silverado pickup – $2,098 per year ($175 per month)
Some additional models that are very popular in Iowa include the Nissan Rogue at $1,704 per year, the Toyota Camry at $2,040, the Toyota Corolla at $1,850, and the Ford Explorer with an average cost of $1,722 per year.
The chart below details average car insurance rates in Iowa for different driver age groups and policy deductibles. Rates shown are averaged for all 2024 models and grouped by driver age.
As shown in the chart, average car insurance rates range from $1,332 per year for a high deductible policy for a 60-year-old driver to $4,442 per year for a 20-year-old driver with low physical damage deductibles.
When these annual rates are converted to a cost per month, the average cost of car insurance per month in Iowa ranges from $111 to $370 for our rate example.
The insured vehicle makes a big difference in the cost of auto insurance, and the chart below demonstrates this by showing average auto insurance rates in Iowa for 20 of the most popular vehicles sold in the state. With the average cost of car insurance in Iowa being $1,898, the vehicle in the chart closest to the average rate is the Toyota Camry.
The other largest factor determining the price you pay for car insurance is the age of the driver. The first chart we showed definitely illustrates that a 20-year-old driver pays much more than a 50 or 60-year-old.
But what about drivers younger than age 20?
Teenagers have the most expensive car insurance quotes of any other age group. Average rates in Iowa range from $4,522 per year for a 19-year-old female driver up to $6,759 per year for a 16-year-old male driver.
For 17-year-old drivers, average car insurance rates in Iowa will cost $6,274 to $6,548 per year, while 18-year-olds will range from $5,418 to $5,870 per year.
As with any other age group, the vehicle your teen will be driving makes a big difference in the final cost for coverage. And if the vehicle is old enough to justify not carrying full coverage, you can save quite a bit of money by insuring for only liability coverage.
How do Iowa car insurance rates compare?
Iowa ranks fourth in the U.S. and first in the Midwest for cheap car insurance rates. When compared to nearby states, Iowa car insurance costs 34.8% less than Missouri, 16% less than Minnesota, and 14.2% less than Nebraska.
The chart below compares average Iowa car insurance quotes to the rest of the states in the Midwest.
When compared to states outside the Midwest region, the average cost of auto insurance in Iowa is 20.4% cheaper than Arizona, 27.9% cheaper than Georgia, 36.8% cheaper than Florida, 21.3% cheaper than Texas, and 21.7% cheaper than than Oregon.
Average Iowa car insurance cost by automotive segment
The chart below shows average car insurance cost in Iowa for the different categories of vehicles. Drivers will generally find cheaper rates on small and midsize SUVs, minivans, midsize pickup trucks, and non-luxury compact and midsize cars.
Why is this data useful?
When shopping for a new or used vehicle, consumers generally know the type of vehicle they want, such as a large SUV to haul the family or a full-size pickup for hauling gear or cargo.
If having the cheapest car insurance cost is a priority, then by knowing which types of vehicles have the cheapest average car insurance rates can point you in the right direction.
It’s important to note, however, that the cost of insuring individual models within each segment can vary widely. So as you begin to refine your search to specific models, it’s always smart to verify rates not only for that vehicle, but also the specific trim level you’re interested in.
Which models have cheap car insurance in Iowa?
Cars and SUVs with the cheapest car insurance rates in Iowa for their segment include the Subaru Crosstrek at $1,402 per year, the Toyota GR Corolla at $1,650 per year, the Kia K5 at $1,828 per year, and the Honda Passport at $1,510 per year.
Other segment-leading models include the Chrysler 300 at $1,806 per year, the Chevrolet Tahoe at $1,782 per year, the Chevrolet Colorado at $1,672 per year, and the Nissan Titan at $1,776 per year.
For luxury cars, the cheapest Iowa car insurance for compact, midsize, and full-size models is on the Acura Integra at $1,688 per year, the Mercedes-Benz CLA250 at $1,952 per year, and the Audi A5 at $2,254 per year.
Compact, midsize, and full-size luxury SUVs with the cheapest rates include the Acura RDX at $1,586 per year, the Jaguar E-Pace at $1,776 per year, and the Infiniti QX80 at $2,128 per year.
The next table ranks the top 50 cars, pickups, and SUVs with the cheapest average car insurance cost in Iowa.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,402 | $117 |
| 2 | Chevrolet Trailblazer | $1,424 | $119 |
| 3 | Kia Soul | $1,482 | $124 |
| 4 | Nissan Kicks | $1,494 | $125 |
| 5 | Honda Passport | $1,510 | $126 |
| 6 | Buick Envision | $1,520 | $127 |
| 7 | Toyota Corolla Cross | $1,530 | $128 |
| 8 | Hyundai Venue | $1,540 | $128 |
| 9 | Mazda CX-5 | $1,548 | $129 |
| 10 | Ford Bronco Sport | $1,554 | $130 |
| 11 | Volkswagen Tiguan | $1,570 | $131 |
| 12 | Acura RDX | $1,586 | $132 |
| 13 | Nissan Murano | $1,594 | $133 |
| 14 | Buick Encore | $1,612 | $134 |
| 15 | Honda CR-V | $1,618 | $135 |
| 16 | Subaru Outback | $1,618 | $135 |
| 17 | Buick Envista | $1,620 | $135 |
| 18 | Volkswagen Taos | $1,624 | $135 |
| 19 | Kia Niro | $1,634 | $136 |
| 20 | Honda HR-V | $1,650 | $138 |
| 21 | Toyota GR Corolla | $1,650 | $138 |
| 22 | Subaru Ascent | $1,652 | $138 |
| 23 | Nissan Leaf | $1,662 | $139 |
| 24 | Chevrolet Colorado | $1,672 | $139 |
| 25 | Honda Civic | $1,680 | $140 |
| 26 | Lexus NX 250 | $1,680 | $140 |
| 27 | Volkswagen Atlas | $1,684 | $140 |
| 28 | Acura Integra | $1,688 | $141 |
| 29 | Subaru Forester | $1,688 | $141 |
| 30 | Volkswagen Atlas Cross Sport | $1,690 | $141 |
| 31 | Kia Seltos | $1,694 | $141 |
| 32 | GMC Terrain | $1,698 | $142 |
| 33 | Nissan Rogue | $1,704 | $142 |
| 34 | Hyundai Kona | $1,706 | $142 |
| 35 | Mazda CX-30 | $1,710 | $143 |
| 36 | Cadillac XT4 | $1,712 | $143 |
| 37 | Volkswagen ID4 | $1,720 | $143 |
| 38 | Ford Explorer | $1,722 | $144 |
| 39 | Toyota Highlander | $1,728 | $144 |
| 40 | Ford Escape | $1,730 | $144 |
| 41 | Toyota Venza | $1,732 | $144 |
| 42 | Honda Odyssey | $1,734 | $145 |
| 43 | Nissan Sentra | $1,738 | $145 |
| 44 | Subaru Impreza | $1,744 | $145 |
| 45 | Chevrolet Equinox | $1,746 | $146 |
| 46 | Toyota RAV4 | $1,750 | $146 |
| 47 | Mazda MX-5 Miata | $1,754 | $146 |
| 48 | Mazda MX-30 | $1,760 | $147 |
| 49 | Hyundai Tucson | $1,764 | $147 |
| 50 | Chevrolet Traverse | $1,770 | $148 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Iowa Zip Codes. Updated June 27, 2025
Car insurance rates for cities in Iowa
Average insurance cost per year and month are listed below for some of the larger Iowa cities. These pages show detailed city-based insurance cost information, including the cheapest models to insure in each city.
- Des Moines Car Insurance - $1,948 per year or $162 per month
- Cedar Rapids Car Insurance - $1,910 per year or $159 per month
- Davenport Car Insurance - $1,960 per year or $163 per month
- Sioux City Car Insurance - $1,986 per year or $166 per month
- Waterloo Car Insurance - $1,996 per year or $166 per month
- Iowa City Car Insurance - $1,826 per year or $152 per month
- Council Bluffs Car Insurance - $2,252 per year or $188 per month
Additional insights and ways to save
Below are some additional average rates for different situations that may arise when buying car insurance, as well as some discounts and tips for saving money on your next policy.
- Fewer accidents means cheaper auto insurance rates. Frequent accidents will raise rates, potentially up to $2,710 per year for a 20-year-old driver and as much as $572 per year for a 50-year-old driver.
- As you get older, rates tend to drop. The difference in insurance rates in Iowa between a 50-year-old driver ($1,682 per year) and a 30-year-old driver ($2,024 per year) is $342, or a difference of 18.5%.
- Policy discounts equal cheaper car insurance. Discounts may be available if the policyholders belong to certain professional organizations, insure their home and car with the same company, are accident-free, sign their policy early, choose electronic billing, or many other discounts which could save the average driver as much as $50 per year on auto insurance.
- A good driving record means cheaper rates. You have to be a safe driver in order to get the best car insurance quotes in Iowa. As a matter of fact, just one or two minor infractions on your driving record have the potential to raise insurance policy rates by as much as $506 per year.
- Improve your credit for cheaper auto insurance rates. Having a high credit score of 800+ could save as much as $298 per year versus a lower credit score of 670-739. Conversely, a weaker credit score below 579 could cost up to $345 more per year.