Iowa Car Insurance Cost for 2021

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 $992 per year, which is 34.9% less than the U.S. average rate of $1,523. Average car insurance cost per month in Iowa costs $83 for a policy that provides full coverage.

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

  1. Ford F-150 pickup – $988 per year ($82 per month)
  2. Honda CR-V compact SUV – $798 per year ($67 per month)
  3. Chevrolet Equinox compact SUV – $848 per year ($71 per month)
  4. Toyota RAV4 compact SUV – $952 per year ($79 per month)
  5. Chevrolet Silverado pickup – $1,092 per year ($91 per month)

Some additional models that are very popular in Iowa include the Nissan Rogue at $882 per year, the Toyota Camry at $1,004, the Toyota Corolla at $816, and the Ford Explorer with an average cost of $974 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 2021 models and grouped by driver age.

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Chart Data Details: Chart shows average Iowa car insurance rates for 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Iowa zip codes.
Average Car Insurance Cost in Iowa
Average Car Insurance Cost in Iowa
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$1,670$139
$500$1,968$164
$250$2,280$190
30$1,000$874$73
$500$1,044$87
$250$1,216$101
40$1,000$838$70
$500$992$83
$250$1,150$96
50$1,000$764$64
$500$902$75
$250$1,044$87
60$1,000$752$63
$500$888$74
$250$1,028$86

As shown in the chart, average car insurance rates range from $752 per year for a high deductible policy for a 60-year-old driver to $2,280 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 $63 to $190 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 $992, 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 2021 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.
Iowa Car Insurance Rates for Popular Vehicles
Iowa Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Honda CR-V$798$67
Toyota Corolla$816$68
Toyota Tacoma$874$73
Ford Ranger$874$73
Subaru Forester$874$73
Ford Escape$878$73
Subaru Crosstrek$882$74
Nissan Rogue$882$74
Nissan Sentra$888$74
Honda Civic$894$75
Toyota RAV4$952$79
Chevrolet Traverse$986$82
Ford F150$988$82
Toyota Camry$1,004$84
Hyundai Santa Fe$1,044$87
GMC Sierra$1,046$87
Ram Truck$1,068$89
Chevrolet Silverado$1,092$91
Jeep Wrangler$1,128$94
Jeep Cherokee$1,130$94

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 $2,492 per year for a 19-year-old female driver up to $3,552 per year for a 16-year-old male driver.

For 17-year-old drivers, average car insurance rates in Iowa will cost $2,952 to $3,318 per year, while 18-year-olds will range from $2,688 to $3,102 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 third in the U.S. and number one in the Midwest for cheap car insurance rates. When compared to nearby states, Iowa car insurance costs 24.7% less than Missouri, 25.5% less than Minnesota, and 16.4% 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$992--
Ohio$1,012$20
Illinois$1,066$74
Indiana$1,092$100
Wisconsin$1,092$100
North Dakota$1,154$162
Nebraska$1,186$194
South Dakota$1,240$248
Kansas$1,304$312
Missouri$1,318$326
Minnesota$1,332$340
Michigan$2,692$1,700

When compared to states outside the Midwest region, the average cost of auto insurance in Iowa is 26.8% cheaper than Arizona, 36% cheaper than Georgia, 51% cheaper than Florida, 31.9% cheaper than Texas, and 25.3% 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 2021 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.
Iowa Car Insurance Rates by Automotive Segment
Iowa Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Large Van$896$75
Small SUV$898$75
Midsize Truck$902$75
Midsize Van$926$77
Midsize Minivan$938$78
Small Car$974$81
Midsize SUV$990$83
Midsize Car$1,024$85
Large Truck$1,046$87
Small Luxury SUV$1,070$89
Large SUV$1,072$89
Large Car$1,112$93
Midsize Luxury SUV$1,154$96
Small Luxury Car$1,154$96
Heavy Duty Truck$1,188$99
Midsize Luxury Car$1,330$111
Sports Car$1,410$118
Large Luxury SUV$1,430$119
Large Luxury Car$1,576$131
Exotic Car$1,996$166

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-3 at $768 per year, the Chevrolet Spark at $774 per year, the Honda Insight at $916 per year, and the Ford Edge at $842 per year.

Other segment-leading models include the the Kia Cadenza at $996 per year, the Chevrolet Tahoe at $1,026 per year, the Chevrolet Colorado at $830 per year, and the Ford F150 at $988 per year.

For luxury cars, the cheapest Iowa car insurance for compact, midsize, and full-size models is on the Mercedes-Benz A220 at $962 per year, the Acura ILX at $920 per year, and the Audi A5 at $1,116 per year.

Compact, midsize, and full-size luxury SUVs with the cheapest rates include the Acura RDX at $844 per year, the Volvo V60 at $946 per year, and the Volvo XC90 at $1,060 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-3$768$64
2Chevrolet Spark$774$65
3Honda CR-V$798$67
4Kia Rio5$810$68
5Mazda CX-30$810$68
6Mazda CX-5$810$68
7Ford Ecosport$814$68
8Toyota C-HR$816$68
9Toyota Corolla$816$68
10Nissan Rogue Sport$822$69
11Hyundai Kona$824$69
12Chevrolet Trax$826$69
13Chevrolet Colorado$830$69
14Kia Sedona$830$69
15Buick Envision$832$69
16Nissan Kicks$834$70
17Hyundai Venue$836$70
18Mitsubishi Eclipse Cross$836$70
19Hyundai Tucson$838$70
20Kia Sportage$838$70
21Ford Edge$842$70
22Jeep Compass$842$70
23Acura RDX$844$70
24Kia Soul$844$70
25Volkswagen Golf$844$70
26Chevrolet Equinox$848$71
27Chevrolet Blazer$850$71
28Subaru Impreza$850$71
29Chevrolet Trailblazer$854$71
30Honda Passport$856$71
31Mazda MX-5 Miata$860$72
32Honda HR-V$864$72
33Kia Telluride$866$72
34Nissan Frontier$866$72
35Volkswagen Tiguan$866$72
36Cadillac XT4$874$73
37Ford Ranger$874$73
38Subaru Forester$874$73
39Toyota Tacoma$874$73
40Volkswagen Atlas$874$73
41Ford Escape$878$73
42Subaru Ascent$878$73
43Nissan Rogue$882$74
44Subaru Crosstrek$882$74
45Buick Encore$884$74
46Nissan Sentra$888$74
47GMC Terrain$890$74
48Kia Seltos$892$74
49Volvo XC40$892$74
50Honda Civic$894$75

    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.
    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 $1,382 per year for a 20-year-old driver and as much as $318 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 ($902 per year) and a 30-year-old driver ($1,044 per year) is $142, or a difference of 13.6%.
    • 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 $254 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 $262 per year.
    • Improve your credit for cheaper auto insurance rates. Having a high credit score of 800+ could save as much as $156 per year versus a lower credit score of 670-739. Conversely, a weaker credit score below 579 could cost up to $181 more per year.