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Average cost of car insurance in Iowa for 2025

Updated Jan 09, 2025
Iowa drivers pay an average of $1,857 per year for full coverage car insurance and $321 per year for minimum coverage.
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How much is car insurance in Iowa? 

The average cost of car insurance in Iowa is $321 per year for the state minimum required coverage and $1,857 per year for full coverage, both well below the national averages of $767 and $2,638, 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 $1,920 per year for full coverage, only about 2 percent more than the state average.
  • 18-year-old males have the highest average premium of any age and gender, at $4,052 per year for full coverage.
  • A 20-year-old driver on their own policy pays 37 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 83 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

Although the state you live in impacts the amount of insurance you must have, your ZIP code also plays a role in determining your Iowa car insurance rates. Drivers in busy urban areas, where heavy traffic makes accidents more likely and there is a higher rate of car theft, may pay more than those in suburban or rural areas, for example.

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

In most states, including Iowa, your age can impact your rate. Statistics indicate that young drivers have an increased rate of accidents, sometimes related to risky driving behaviors such as texting while driving. For that reason, teen drivers pay some of the highest rates for car insurance. As drivers age into their 20s, rates start to decrease as long as drivers maintain a clean driving record.

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
$3,743
Average minimum coverage premium in IA
$880
Age 18
Average annual full coverage premium in IA
$4,879
Average minimum coverage premium in IA
$1,168
Age 20
Average annual full coverage premium in IA
$3,988
Average minimum coverage premium in IA
$849
Age 25
Average annual full coverage premium in IA
$2,438
Average minimum coverage premium in IA
$461
Age 30
Average annual full coverage premium in IA
$2,010
Average minimum coverage premium in IA
$379
Age 40
Average annual full coverage premium in IA
$1,902
Average minimum coverage premium in IA
$360
Age 50
Average annual full coverage premium in IA
$1,724
Average minimum coverage premium in IA
$333
Age 60
Average annual full coverage premium in IA
$1,658
Average minimum coverage premium in IA
$330
Age 70
Average annual full coverage premium in IA
$1,758
Average minimum coverage premium in IA
$381
Age 40
Average annual full coverage premium in IA
$1,902
Average minimum coverage premium in IA
$360
Age 50
Average annual full coverage premium in IA
$1,724
Average minimum coverage premium in IA
$333
Age 60
Average annual full coverage premium in IA
$1,658
Average minimum coverage premium in IA
$330
Age 70
Average annual full coverage premium in IA
$1,758
Average minimum coverage premium in IA
$381
*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 16*
Average annual full coverage premium in IA
$3,326
Average minimum coverage premium in IA
$809
Age 18
Average annual full coverage premium in IA
$4,340
Average minimum coverage premium in IA
$1,034
Age 20
Average annual full coverage premium in IA
$3,440
Average minimum coverage premium in IA
$776
Age 25
Average annual full coverage premium in IA
$2,242
Average minimum coverage premium in IA
$446
Age 30
Average annual full coverage premium in IA
$1,979
Average minimum coverage premium in IA
$384
Age 40
Average annual full coverage premium in IA
$1,875
Average minimum coverage premium in IA
$366
Age 50
Average annual full coverage premium in IA
$1,614
Average minimum coverage premium in IA
$341
Age 60
Average annual full coverage premium in IA
$1,639
Average minimum coverage premium in IA
$334
Age 70
Average annual full coverage premium in IA
$1,728
Average minimum coverage premium in IA
$379