Iowa Car Insurance Cost for 2022

How much does car insurance cost in Iowa? We analyze rates for all vehicle segments and popular models plus find the vehicles with the cheapest car insurance rates.

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How much does car insurance cost in Iowa?

The average cost of car insurance in Iowa is $1,102 per year, which is 28.9% less than the U.S. average rate of $1,551. Average car insurance cost per month in Iowa costs $92 for a policy that provides full coverage.

Average car insurance quotes in Iowa for the five most popular vehicles

  1. Ford F-150 pickup – $1,062 per year ($89 per month)
  2. Honda CR-V compact SUV – $966 per year ($81 per month)
  3. Chevrolet Equinox compact SUV – $1,030 per year ($86 per month)
  4. Toyota RAV4 compact SUV – $1,042 per year ($87 per month)
  5. Chevrolet Silverado pickup – $1,182 per year ($99 per month)

Some additional models that are very popular in Iowa include the Nissan Rogue at $1,078 per year, the Toyota Camry at $1,084, the Toyota Corolla at $1,084, and the Ford Explorer with an average cost of $1,034 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 2022 models and grouped by driver age.

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Chart Data Details: Chart shows average Iowa car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Iowa zip codes.Data last updated on May 19, 2022
Average Car Insurance Cost in Iowa
Average Car Insurance Cost in Iowa
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$1,856$155
$500$2,186$182
$250$2,534$211
30$1,000$972$81
$500$1,158$97
$250$1,350$113
40$1,000$932$78
$500$1,102$92
$250$1,278$107
50$1,000$852$71
$500$1,006$84
$250$1,164$97
60$1,000$834$70
$500$986$82
$250$1,142$95

As shown in the chart, average car insurance rates range from $834 per year for a high deductible policy for a 60-year-old driver to $2,534 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 $70 to $211 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 $1,102, the vehicle in the chart closest to the average rate is the Toyota Camry.

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Chart Data Details: Average Iowa car insurance cost is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Iowa Zip Codes.Data last updated on March 24, 2022
Iowa Car Insurance Rates for Popular Vehicles
Iowa Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Subaru Crosstrek$884$74
Subaru Forester$956$80
Honda CR-V$966$81
Ford Ranger$980$82
Toyota Tacoma$1,024$85
Toyota RAV4$1,042$87
Ford F150$1,062$89
Nissan Sentra$1,076$90
Nissan Rogue$1,078$90
Toyota Camry$1,084$90
Ford Escape$1,084$90
Toyota Corolla$1,084$90
Honda Civic$1,092$91
GMC Sierra$1,122$94
Chevrolet Traverse$1,136$95
Hyundai Santa Fe$1,150$96
Chevrolet Silverado$1,182$99
Jeep Cherokee$1,226$102
Ram Truck$1,258$105
Jeep Wrangler$1,264$105

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 $2,768 per year for a 19-year-old female driver up to $3,944 per year for a 16-year-old male driver.

For 17-year-old drivers, average car insurance rates in Iowa will cost $3,276 to $3,684 per year, while 18-year-olds will range from $2,982 to $3,440 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 #9 in the U.S. and #3 in the Midwest for cheap car insurance rates. When compared to nearby states, Iowa car insurance costs 31.7% less than Missouri, 17.6% less than Minnesota, and 24.3% less than Nebraska.

The chart below compares average Iowa car insurance quotes to the rest of the states in the Midwest.

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Iowa Car Insurance Cost Compared to Midwest Region
Average Car Insurance Cost in Iowa Compared to Midwest Region
Midwest Region States Average Insurance Cost Annual Difference
Ohio$888-$214
Wisconsin$1,036-$66
Iowa$1,102--
Indiana$1,138$36
Illinois$1,232$130
North Dakota$1,268$166
Minnesota$1,338$236
South Dakota$1,378$276
Nebraska$1,456$354
Kansas$1,534$432
Missouri$1,614$512
Michigan$2,424$1,322

When compared to states outside the Midwest region, the average cost of auto insurance in Iowa is 18.7% cheaper than Arizona, 25.1% cheaper than Georgia, 50.5% cheaper than Florida, 23.3% cheaper than Texas, and 13.8% cheaper than than Oregon.

Only the states of Maine and Virginia have cheaper average car insurance rates than Iowa.

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.

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Chart Data Details: Average Iowa car insurance cost by segment is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Iowa Zip Codes.Data last updated on April 12, 2022
Iowa Car Insurance Rates by Automotive Segment
Iowa Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,030$86
Midsize Pickup$1,056$88
Minivan$1,110$93
Midsize SUV$1,116$93
Compact Car$1,136$95
Midsize Car$1,150$96
Half-ton Pickup$1,196$100
Compact Luxury SUV$1,236$103
Large SUV$1,242$104
Compact Luxury Car$1,252$104
Large Car$1,272$106
Heavy Duty Pickup$1,312$109
Midsize Luxury SUV$1,330$111
Midsize Luxury Car$1,460$122
Sports Car$1,554$130
Large Luxury SUV$1,664$139
Large Luxury Car$1,742$145

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 Mazda CX-5 at $840 per year, the Subaru Impreza at $956 per year, the Subaru Legacy at $1,070 per year, and the Honda Passport at $886 per year.

Other segment-leading models include the Toyota Avalon at $1,156 per year, the Chevrolet Tahoe at $1,108 per year, the Chevrolet Colorado at $906 per year, and the Ford F150 at $1,062 per year.

For luxury cars, the cheapest Iowa car insurance for compact, midsize, and full-size models is on the Mercedes-Benz A220 at $1,084 per year, the Acura ILX at $1,014 per year, and the Audi A5 at $1,292 per year.

Compact, midsize, and full-size luxury SUVs with the cheapest rates include the Acura RDX at $944 per year, the Cadillac XT5 at $1,086 per year, and the Volvo XC90 at $1,194 per year.

The next table ranks the top 50 cars, pickups, and SUVs with the cheapest average car insurance cost in Iowa.

Top 50 Cheapest Vehicles to Insure in Iowa
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$840$70
2Nissan Kicks$862$72
3Chevrolet Trailblazer$866$72
4Subaru Crosstrek$884$74
5Honda Passport$886$74
6Chevrolet Colorado$906$76
7Buick Encore$912$76
8Toyota C-HR$912$76
9Nissan Rogue Sport$920$77
10Hyundai Venue$936$78
11Buick Envision$938$78
12Kia Seltos$940$78
13Acura RDX$944$79
14Ford Maverick$944$79
15Toyota Corolla Cross$946$79
16Subaru Ascent$948$79
17Hyundai Kona$956$80
18Mazda MX-5 Miata$956$80
19Subaru Forester$956$80
20Subaru Impreza$956$80
21Volkswagen Tiguan$958$80
22Chevrolet Spark$960$80
23Honda CR-V$966$81
24Cadillac XT4$970$81
25Mazda CX-30$972$81
26Ford Ranger$980$82
27Ford Edge$992$83
28Honda HR-V$992$83
29Ford Ecosport$1,000$83
30Chevrolet Trax$1,010$84
31Subaru Outback$1,010$84
32Acura ILX$1,014$85
33GMC Terrain$1,016$85
34Mitsubishi Eclipse Cross$1,018$85
35Nissan Murano$1,024$85
36Toyota Tacoma$1,024$85
37Hyundai Tucson$1,026$86
38Honda Odyssey$1,028$86
39Chevrolet Bolt$1,030$86
40Chevrolet Equinox$1,030$86
41Toyota Venza$1,032$86
42Volkswagen Taos$1,032$86
43Ford Explorer$1,034$86
44Fiat 500X$1,038$87
45Toyota RAV4$1,042$87
46Kia Soul$1,044$87
47Kia Sorento$1,046$87
48Nissan Frontier$1,050$88
49GMC Canyon$1,054$88
50Hyundai Palisade$1,058$88

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Iowa.Data last updated on March 24, 2022
    Top 50 Cheapest Vehicles to Insure in Iowa

    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.

    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 $1,534 per year for a 20-year-old driver and as much as $352 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 ($1,006 per year) and a 30-year-old driver ($1,158 per year) is $152, or a difference of 13.1%.
    • 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 $156 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 $288 per year.
    • Improve your credit for cheaper auto insurance rates. Having a high credit score of 800+ could save as much as $173 per year versus a lower credit score of 670-739. Conversely, a weaker credit score below 579 could cost up to $201 more per year.