Iowa Car Insurance Cost for 2023

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 $1,180 per year, which is 30% 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

  1. Ford F-150 pickup – $1,198 per year ($100 per month)
  2. Honda CR-V compact SUV – $1,000 per year ($83 per month)
  3. Chevrolet Equinox compact SUV – $1,060 per year ($88 per month)
  4. Toyota RAV4 compact SUV – $1,092 per year ($91 per month)
  5. 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.

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Chart Data Details: Chart shows average Iowa car insurance rates for 2023 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 December 30, 2022
Average Car Insurance Cost in Iowa
Average Car Insurance Cost in Iowa
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$1,986$166
$500$2,348$196
$250$2,728$227
30$1,000$1,040$87
$500$1,242$104
$250$1,452$121
40$1,000$994$83
$500$1,180$98
$250$1,372$114
50$1,000$908$76
$500$1,072$89
$250$1,246$104
60$1,000$892$74
$500$1,054$88
$250$1,226$102

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.

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Chart Data Details: Average Iowa car insurance cost is based on 2023 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 December 30, 2022
Iowa Car Insurance Rates for Popular Vehicles
Iowa Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Subaru Crosstrek$900$75
Subaru Forester$994$83
Honda CR-V$1,000$83
Ford Ranger$1,046$87
Toyota Tacoma$1,078$90
Ford Escape$1,080$90
Nissan Rogue$1,084$90
Nissan Sentra$1,092$91
Toyota RAV4$1,092$91
Toyota Corolla$1,106$92
Toyota Camry$1,122$94
Chevrolet Traverse$1,126$94
Honda Civic$1,156$96
Ford F150$1,198$100
Hyundai Santa Fe$1,210$101
Jeep Cherokee$1,282$107
Chevrolet Silverado$1,288$107
GMC Sierra$1,288$107
Ram Truck$1,288$107
Jeep Wrangler$1,306$109

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 40.7% less than Missouri, 22% less than Minnesota, and 19.9% 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
Iowa$1,180--
Ohio$1,230$50
Wisconsin$1,260$80
Indiana$1,318$138
North Dakota$1,462$282
Nebraska$1,474$294
Minnesota$1,512$332
Illinois$1,546$366
Kansas$1,738$558
South Dakota$1,812$632
Missouri$1,990$810
Michigan$2,414$1,234

When compared to states outside the Midwest region, the average cost of auto insurance in Iowa is 27.1% cheaper than Arizona, 34.5% cheaper than Georgia, 46.3% cheaper than Florida, 28% cheaper than Texas, and 28.4% 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Iowa car insurance cost by segment is based on 2023 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 December 30, 2022
Iowa Car Insurance Rates by Automotive Segment
Iowa Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,072$89
Midsize Pickup$1,114$93
Midsize SUV$1,152$96
Minivan$1,158$97
Compact Car$1,174$98
Midsize Car$1,202$100
Compact Luxury SUV$1,276$106
Half-ton Pickup$1,278$107
Large SUV$1,290$108
Compact Luxury Car$1,298$108
Heavy Duty Pickup$1,356$113
Large Car$1,370$114
Midsize Luxury SUV$1,370$114
Midsize Luxury Car$1,500$125
Sports Car$1,614$135
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.

Top 50 Cheapest Vehicles to Insure in Iowa
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$892$74
2Subaru Crosstrek$900$75
3Nissan Kicks$904$75
4Honda Passport$916$76
5Nissan Rogue Sport$922$77
6Mazda CX-5$926$77
7Buick Encore$942$79
8Buick Envision$942$79
9Kia Seltos$956$80
10Subaru Ascent$958$80
11Hyundai Venue$962$80
12Honda HR-V$978$82
13Subaru Impreza$978$82
14Ford Maverick$980$82
15Chevrolet Colorado$982$82
16Acura RDX$984$82
17Hyundai Kona$990$83
18Subaru Forester$994$83
19Ford Edge$998$83
20Honda CR-V$1,000$83
21Ford Explorer$1,004$84
22Mazda CX-30$1,004$84
23Volkswagen Atlas$1,006$84
24Chevrolet Trax$1,012$84
25Nissan Murano$1,014$85
26Subaru Outback$1,014$85
27Nissan Frontier$1,018$85
28Volkswagen Tiguan$1,026$86
29Ford Bronco Sport$1,028$86
30Fiat 500X$1,046$87
31Ford Ranger$1,046$87
32GMC Terrain$1,048$87
33Kia Soul$1,048$87
34Mitsubishi Eclipse Cross$1,052$88
35Volkswagen Atlas Cross Sport$1,054$88
36Lexus RX 350$1,056$88
37Acura Integra$1,060$88
38Chevrolet Equinox$1,060$88
39Cadillac XT4$1,064$89
40Toyota Corolla Cross$1,066$89
41Volkswagen Taos$1,070$89
42GMC Canyon$1,072$89
43Toyota Venza$1,074$90
44Mazda CX-50$1,076$90
45Honda Odyssey$1,078$90
46Toyota Tacoma$1,078$90
47Volkswagen Jetta$1,078$90
48Ford Escape$1,080$90
49Hyundai Tucson$1,080$90
50Kia Sorento$1,082$90

    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 December 30, 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 $1,650 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 13.7%.
    • 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.