Average Car Insurance Cost in Iowa
Numbers refreshed
NAIC provides Iowa averages by coverage along with the national rank.
- $1,133.The average annual price for full coverage.
- 20/40/15.The minimum liability limits.
- 44th of 51.The most expensive state (1st = highest).
Iowa: average cost by coverage type
Full coverage in Iowa costs $1,133 each year on average. Compared with the US average of $1,613 each year, the amount is 30% lower.
Spending per insured car averaged $872 in 2023 and $973 in 2024, an 11.6% increase.
| Coverage in Iowa | Per year | Per month |
|---|---|---|
| Liability | $427 | $36 |
| Collision | $339 | $28 |
| Comprehensive | $367 | $31 |
| Full coverage (all three) | $1,133 | $94 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Iowa compared with similar states
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| North Carolina | 41st | $1,233 | $103 |
| Indiana | 42nd | $1,142 | $95 |
| Ohio | 43rd | $1,134 | $94 |
| Iowa | 44th | $1,133 | $94 |
| Wisconsin | 45th | $1,112 | $93 |
| New Hampshire | 46th | $1,103 | $92 |
| Idaho | 47th | $1,086 | $91 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
The number for you
All ages and records are included in these averages. Your Iowa calculator factors in your age and record.
Learn more about car insurance in Iowa
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