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Average cost of car insurance in Iowa for 2024

Updated May 01, 2024
Iowa drivers pay an average of $1,767 per year for full coverage car insurance and $324 per year for minimum coverage.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How much is car insurance in Iowa? 

The average cost of car insurance in Iowa is $324 per year for the state minimum required coverage and $1,767 per year for full coverage, both well below the national averages of $637 and $2,299, respectively. However, costs vary based on a number of factors, including the company you choose, your city, your age and your driving record. Bankrate analyzed average rates from Quadrant Information Services for several different types of drivers. Our research might help you understand what a competitive rate looks like for your situation.

Key takeaways

  • Drivers in Des Moines, Iowa’s capital, pay $1,786 per year for full coverage, only about 1 percent more than the state average.
  • 18-year-old males have the highest average premium of any age and gender, at $3,732 per year for full coverage.
  • A 20-year-old driver on their own policy pays 34 percent more per year on average than a 20-year-old on their parents’ policy.
  • Iowa drivers with a DUI conviction pay an average of 81 percent more for full coverage than drivers with a clean driving record.
  • Having excellent credit pays off; drivers in Iowa with the highest credit tier pay an average of 17 percent less per year for full coverage compared to drivers with good credit.

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Iowa car insurance rates by city

In addition to your state, the city you live in affects your auto premium. Iowa car insurance rates vary based on city due to different areas having different risks, different likelihoods of accidents, and different costs of living, all of which affect claims costs. In areas where claims are more likely or more expensive, like urban areas, rates are likely higher.

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Average car insurance costs by age and gender in Iowa

Age is one of the more substantial variables regarding how insurance companies calculate auto rates. Different age demographics have significantly different probabilities of experiencing an auto accident, filing a claim or receiving a ticket. Providers consider this information to help them determine rates. As a result, the various age groups tend to have noticeably different average premiums. The average car insurance rates in Iowa by age shown in the table below are representative of drivers on their own policy (with the exception of 16-year-old driver rates, which are rated on a policy under their married parents’).

Age 16*
Average annual full coverage premium in IA
$3,567
Average minimum coverage premium in IA
$810
Age 18
Average annual full coverage premium in IA
$4,424
Average minimum coverage premium in IA
$1,018
Age 20
Average annual full coverage premium in IA
$3,635
Average minimum coverage premium in IA
$741
Age 25
Average annual full coverage premium in IA
$2,306
Average minimum coverage premium in IA
$413
Age 30
Average annual full coverage premium in IA
$1,883
Average minimum coverage premium in IA
$336
Age 40
Average annual full coverage premium in IA
$1,775
Average minimum coverage premium in IA
$321
Age 50
Average annual full coverage premium in IA
$1,615
Average minimum coverage premium in IA
$296
Age 60
Average annual full coverage premium in IA
$1,551
Average minimum coverage premium in IA
$295
Age 70
Average annual full coverage premium in IA
$1,639
Average minimum coverage premium in IA
$341
Age 40
Average annual full coverage premium in IA
$1,775
Average minimum coverage premium in IA
$321
Age 50
Average annual full coverage premium in IA
$1,615
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