- Iowa car insurance cost averages $1,180 per year for full coverage, or around $98 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 Chevrolet Trailblazer, Nissan Rogue Sport, and Mazda CX-5.
How much does car insurance cost in Iowa?
The average cost of car insurance in Iowa is $1,180 per year, which is 35.3% less expensive than the U.S. average rate of $1,685. Average car insurance cost per month in Iowa costs $98 for a policy that provides full coverage.
Average car insurance quotes in Iowa for the five most popular vehicles
- Ford F-150 pickup – $1,198 per year ($100 per month)
- Honda CR-V compact SUV – $1,000 per year ($83 per month)
- Chevrolet Equinox compact SUV – $1,060 per year ($88 per month)
- Toyota RAV4 compact SUV – $1,092 per year ($91 per month)
- Chevrolet Silverado pickup – $1,288 per year ($107 per month)
Some additional models that are very popular in Iowa include the Nissan Rogue at $1,084 per year, the Toyota Camry at $1,122, the Toyota Corolla at $1,106, and the Ford Explorer with an average cost of $1,004 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 2023 models and grouped by driver age.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
As shown in the chart, average car insurance rates range from $892 per year for a high deductible policy for a 60-year-old driver to $2,728 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 $74 to $227 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 $1,180, the vehicle in the chart closest to the average rate is the Toyota Camry.
|Make/Model||Annual Rate||Monthly Rate|
|Hyundai Santa Fe||$1,210||$101|
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 $2,972 per year for a 19-year-old female driver up to $4,226 per year for a 16-year-old male driver.
For 17-year-old drivers, average car insurance rates in Iowa will cost $3,510 to $3,952 per year, while 18-year-olds will range from $3,202 to $3,692 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 51.1% less than Missouri, 24.7% less than Minnesota, and 22.2% less than Nebraska.
The chart below compares average Iowa car insurance quotes to the rest of the states in the Midwest.
|Midwest Region States||Average Insurance Cost||Annual Difference|
When compared to states outside the Midwest region, the average cost of auto insurance in Iowa is 31.3% cheaper than Arizona, 41.7% cheaper than Georgia, 60.2% cheaper than Florida, 32.5% cheaper than Texas, and 33.1% 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.
|Vehicle Segment||Annual Rate||Monthly Rate|
|Compact Luxury SUV||$1,276||$106|
|Compact Luxury Car||$1,298||$108|
|Heavy Duty Pickup||$1,356||$113|
|Midsize Luxury SUV||$1,370||$114|
|Midsize Luxury Car||$1,500||$125|
|Large Luxury SUV||$1,734||$145|
|Large Luxury Car||$1,820||$152|
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 Chevrolet Trailblazer at $892 per year, the Subaru Impreza at $978 per year, the Subaru Legacy at $1,088 per year, and the Honda Passport at $916 per year.
Other segment-leading models include the Chrysler 300 at $1,152 per year, the Chevrolet Tahoe at $1,106 per year, the Ford Maverick at $980 per year, and the Nissan Titan at $1,168 per year.
For luxury cars, the cheapest Iowa car insurance for compact, midsize, and full-size models is on the Acura Integra at $1,060 per year, the Cadillac CT5 at $1,268 per year, and the Audi A5 at $1,322 per year.
Compact, midsize, and full-size luxury SUVs with the cheapest rates include the Acura RDX at $984 per year, the Lexus RX 350 at $1,056 per year, and the Volvo XC90 at $1,216 per year.
The next table ranks the top 50 cars, pickups, and SUVs with the cheapest average car insurance cost 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.
- Des Moines Car Insurance - $1,226 per year or $102 per month
- Cedar Rapids Car Insurance - $1,192 per year or $99 per month
- Davenport Car Insurance - $1,244 per year or $104 per month
- Sioux City Car Insurance - $1,266 per year or $106 per month
- Waterloo Car Insurance - $1,276 per year or $106 per month
- Iowa City Car Insurance - $1,110 per year or $93 per month
- Council Bluffs Car Insurance - $1,536 per year or $128 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 $1,650 per year for a 20-year-old driver and as much as $380 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 ($1,072 per year) and a 30-year-old driver ($1,242 per year) is $170, or a difference of 14.7%.
- 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 $286 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 $308 per year.
- Improve your credit for cheaper auto insurance rates. Having a high credit score of 800+ could save as much as $185 per year versus a lower credit score of 670-739. Conversely, a weaker credit score below 579 could cost up to $215 more per year.