Iowa Car Insurance Calculator
Numbers refreshed
Just three questions, and we don't ask for your name, email or phone. The average for Iowa is already set.
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What's the age of the main driver?
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How much cover do you want?
Priced from the NAIC state averages, state rate guides and IIHS-HLDI loss results. How the estimate works
Iowa averages used for the estimate
The calculator uses NAIC averages for Iowa as its starting point, then adjusts the estimate based on age, driving record and the car.
| 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).
Changes to the estimate
| Driver | Price compared with an adult, clean record |
|---|---|
| 16 to 24 | x 3.11 |
| 25 to 64 | x 1.00 |
| 65 or older | x 0.94 |
| Clean record | x 1.00 |
| One speeding ticket | x 1.22 |
| One at-fault accident | x 1.50 |
Source: Texas Department of Insurance / OPIC: HelpInsure.com auto sample rates (public form data endpoint https://www.helpinsure.com/api/autoResults behind https://www.helpinsure.com/auto.html); HelpInsure.com Company FAQ (TDI): sample rates are liability-only; DC Department of Insurance, Securities and Banking: 2024 Automobile Insurance Premium Comparison, Sample Profiles (6 month policy).
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