Average car insurance cost in Iowa
Iowa lands in the affordable middle of the pack at #13 of 51, with average premiums about 18% below the national average — around $456 a year cheaper than the typical American driver pays.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.
Iowa car insurance FAQ
How much is car insurance in Iowa?
Full-coverage car insurance in Iowa averages $170 per month ($2,040 per year). A state-minimum liability policy averages $41 per month ($492 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in Iowa more expensive than average?
No. Iowa's full-coverage average of $170/month is about 18% below the U.S. average of $208/month, ranking #13 of 51 (1 = cheapest).
Is Iowa a no-fault state?
No. Iowa is an at-fault (tort) state — the driver who causes an accident is responsible for the other party's injuries and property damage through their liability coverage.
How much cheaper is minimum coverage in Iowa?
Minimum liability in Iowa averages $41/month versus $170/month for full coverage — a gap of $129/month, or $1,548/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.