Full Coverage Car Insurance in Iowa
Numbers refreshed
Liability, collision and comprehensive together, priced from the Iowa averages.
- $94.the average monthly cost for full coverage.
- 20/40/15.the minimum liability limits.
- 44th of 51.The most expensive state is 1st.
The cost of full coverage in Iowa
Full coverage adds collision and comprehensive to liability. In Iowa, those two parts cost $706 a year, added to the $427 liability average.
| 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).
The point where full coverage stops paying off
If you still owe money on the car, lenders and lease companies require full coverage.
Once the car is paid off, compare the car's value to the $706 a year for the extra cover. When a single year of high premiums would cover most of the car's value, liability only is usually the better choice.
Full coverage for each car in Iowa
These estimates cover an adult with a clean record and come from IIHS-HLDI loss results. Among the 40 models we price, the cheapest and the dearest:
| Car | Per year | Per month |
|---|---|---|
| Honda CR-V | $734 | $61 |
| Honda Pilot | $761 | $63 |
| Subaru Outback | $812 | $68 |
| Toyota RAV4 | $826 | $69 |
| Mercedes-Benz C-Class | $1,598 | $133 |
| Dodge Charger | $1,921 | $160 |
| Chevrolet Camaro | $1,937 | $161 |
| Dodge Challenger | $2,150 | $179 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
First written