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Average cost of car insurance in Iowa for 2023

Iowa drivers pay an average of $1,315 per year for full coverage car insurance and $223 per year for minimum coverage.

Updated Apr 11, 2023
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How much is car insurance in Iowa?

The average cost of car insurance in Iowa is $223 per year for the state minimum required coverage and $1,315 per year for full coverage. 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, obtained 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.

Average minimum coverage premium in Iowa Average annual full coverage premium
$223 $1,315
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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.

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Insurance Disclosure

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.

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 to be higher.

Iowa city Average annual full coverage premium Percentage change from Iowa average annual full coverage premium
Cedar Rapids $1,221 -7%
Davenport $1,324 1%
Des Moines $1,332 1%
Iowa City $1,174 -11%
Sioux City $1,458 11%

Average cost of car insurance by age and gender in Iowa

Age is one of the more substantial variables when it comes to how insurance companies calculate auto rates. Different age demographics have significantly different chances of experiencing an auto accident, filing a claim, or receiving a ticket. Providers use 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 the 16-year-old driver, who is rated on a policy with a married couple and one vehicle).

Age Average monthly full coverage premium in Iowa Average annual full coverage premium in Iowa
Age 16* $221 $2,655
Age 18 $313 $3,754
Age 20 $250 $2,996
Age 25 $143 $1,712
Age 30 $116 $1,396
Age 40 $111 $1,329
Age 50 $99 $1,189
Age 60 $96 $1,149
Age 70 $102 $1,221

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Age Average monthly full coverage premium in Iowa Average annual full coverage premium in Iowa
Age 16* $192 $2,308
Age 18 $248 $2,973
Age 20 $201 $2,406
Age 25 $127 $1,528
Age 30 $113 $1,360
Age 40 $108 $1,301
Age 50 $99 $1,185
Age 60 $95 $1,141
Age 70 $100 $1,198

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Cost considerations for young drivers in Iowa

Young drivers are expensive to insure, but staying on their parents’ policy can have a tremendous impact. Generally, insurers will allow a young driver to be rated on their parents’ policy as long as they are still a household member. Once a young driver has moved out and established their own household (with the exception of going to college), it’s usually time to start a separate policy, but be prepared for the cost difference. 18-year-olds pay nearly $1,200 more on their own policy versus on their parents’ policy, for example.

Age Average annual premium for drivers on their parents' policy in Iowa Average annual premium for drivers on their own policy in Iowa
Age 16 $2,482 N/A*
Age 17 $2,343 N/A*
Age 18 $2,206 $3,363
Age 19 $2,033 $2,927
Age 20 $1,940 $2,701

*16- and 17-year-old drivers must be on their parents’ policy.

How does driving record impact the cost of car insurance in Iowa?

Driving records have a strong statistical correlation with driving behaviors, which can predict your risk of causing an accident in the future. Therefore, even one traffic offense can increase your rates by a notable amount. A speeding ticket conviction has the least impact on the average cost of car insurance in Iowa, with an annual increase of 19 percent for full coverage, while a single DUI conviction raises full coverage premiums by an average of 87 percent per year.

Driving incident Average annual full coverage premium in Iowa Percentage increase from Iowa average annual full coverage premium
Clean driving record $1,315 0%
Speeding ticket conviction $1,562 19%
At-fault accident $1,786 36%
DUI conviction $2,460 87%

Car insurance rates in Iowa by credit tier

Credit is also a contributor to the average car insurance cost in Iowa. Statistically, drivers with poor credit are more likely to file claims, which means that they are a higher risk to insurers. Insurance companies charge higher rates for lower credit tiers to compensate. In Iowa, there’s just over a $1,200 difference in average full coverage costs between drivers with poor credit and drivers with excellent credit. 

Credit tier Average annual full coverage premium in Iowa Percentage change from Iowa average annual full coverage premium
Poor $2,343 78%
Average $1,459 11%
Good $1,315 0%
Excellent $1,135 -14%

Iowa car insurance rates by vehicle type

Finally, our team took a look at average car insurance rates for different vehicles. If you’re wondering “How much is car insurance in Iowa?” you probably need to consider the type of vehicle you need to insure. Vehicles that cost more to repair or replace, or that are more likely to get into an accident, will likely have higher average rates. For example, our research found that a BMW 330i costs $688 more per year to insure with full coverage than a Ford F-150.

Vehicle Average annual full coverage premium in Iowa
Toyota Camry $1,315
Ford F-150 $1,101
Honda Odyssey $1,126
BMW 330i $1,789
Toyota Prius $1,428

How to save on car insurance in Iowa

Iowa drivers already enjoy lower-than-average rates for car insurance when compared to the national costs, but there are ways to lower your premium even more. If you want to save money on car insurance, you might consider:

  • Applying discounts: One of the most convenient ways to save on car insurance is to pursue discounts offered by your insurance provider. These discounts can range from safe driving benefits to paperless billings discounts to bundled policies and more. In general, the more discounts you can qualify for, the more money you might save on premiums.
  • Maintain a clean driving record: Although it won’t lower your rates immediately, practicing safe driving is one of the best strategies to keep your costs down in the long run. Driving incidents result in costly surcharges on your policy and can preclude you from good or safe driver discounts.
  • Increase your deductibles: A full coverage car insurance policy has two deductibles: one for comprehensive and one for collision. Raising your deductibles will usually reduce your rates, but it comes at a risk. Higher deductibles mean paying more money out of pocket before your insurance policy will help with costs.
  • Improve your credit score: Credit scores have an indirect but notable impact on auto insurance rates. This impact is because insurance providers use credit scores when calculating insurance scores. As we’ve seen, lower credit tiers generally result in higher premiums. If you can improve your credit, you may see a reduction in your car insurance premium. 

Estimate your car insurance cost in Iowa

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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.

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Written by
Cate Deventer
Former Writer & Editor, Insurance
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by Editor, Credit Cards