How Much Is Car Insurance In Iowa? 2025 Rates

Iowa, like many states, has seen an increase in car insurance rates due to extreme weather. However, Iowa’s car insurance rates remain below the national average. The typical annual cost for full coverage is $1,869, which is less than the national average of $2,629.

For minimum coverage, the average cost is just $341 per year, significantly lower than the national average of $742.

Cost Of Car Insurance In Iowa – By Age

Age plays a big role in determining car insurance rates. Younger and less experienced drivers usually face higher premiums. As drivers get older and gain more experience, their rates tend to drop. In Iowa, teen drivers (16-19 years old) pay 165% more for car insurance compared to adults (30-34 years old).

Here’s a table that shows the average car insurance costs by age:

Average Iowa Auto Insurance Rates – By Insurance Company

Each car insurance company uses its own method to calculate your premium. They consider different factors, such as your driving history, location, age, and type of car. This means that even if two companies offer similar coverage, their rates might still differ based on how they assess risk and other factors.

Some of the most popular car insurance companies in Iowa are State Farm, Progressive, and American Family.

It’s always a good idea to compare quotes from multiple insurers to find the best deal for you. Below is a table showing the average auto insurance rates from six major providers in Iowa:

Average Iowa Car Insurance Premiums – By Credit Score

A low credit score can raise your car insurance premiums, but it’s not the only thing insurers look at. Along with your credit score, companies also consider your driving history, past claims, and other factors when setting rates. Generally, drivers with lower credit scores tend to pay higher premiums.

For example, people with a poor credit score pay 140% more in Iowa, as compared to those with excellent credit.

Below is a table showing the average car insurance premiums based on different credit score categories in Iowa.

Average Car Insurance Costs In Iowa – By Gender

In Iowa, gender can impact car insurance rates, although the difference is usually smaller compared to younger drivers. Typically, young male drivers, especially those under 25, tend to pay higher premiums than female drivers of the same age group.

This is because statistics show that young men are more likely to be involved in accidents or risky driving behaviors.

Here’s a table showing the average car insurance costs by gender in Iowa:

Cost Of Iowa Car Insurance – By Driver Record

Your driving history plays a major role in determining how much you pay for car insurance. If you have a clean driving record, your premiums are likely to be lower. On the other hand, a history of traffic violations or accidents can lead to higher insurance costs.

For instance, getting a speeding ticket could raise your rates. Here is a table displaying average car insurance costs based on different driving records in Iowa:

Average Iowa Auto Insurance Costs – By Marital Status

Married drivers are considered less risky to insure, which often leads to lower insurance rates. If you go from single to married, make sure to update your insurance provider so you can take advantage of the possible savings.

Here is a table displaying average car insurance costs by marital status in Iowa:

Cost Of Car Insurance In Iowa – By Coverage Type

The coverage you select and the amounts you choose can impact your insurance costs. Choosing the minimum coverage required by Iowa law is usually cheaper, while adding extra coverage or higher limits can raise your premiums.

Here is a table displaying average car insurance costs by coverage type in Iowa:

Average Iowa Car Insurance Rates – By City

Cities with higher populations generally have higher car insurance premiums than rural areas because they often see more accidents, property crimes, and insurance claims.

In Iowa, places like Sioux City, Des Moines, and Durango tend to have the highest insurance rates. Your driving habits also play a role, long commutes or driving through riskier areas can lead to higher costs.

The table below shows how car insurance prices differ across various cities in Iowa.

Average Iowa Car Insurance Rates – By ZIP Code

Car insurance rates in Iowa can vary depending on the specific zip code, influenced by factors like accident rates, crime statistics, and the local population. The average car insurance premiums in different parts of Iowa can differ based on these regional variables.

The table below shows the average car insurance rates in various Iowa zip codes, highlighting how rates vary depending on the location.

Iowa Car Insurance Prices Compared To Other U.S. States

While car insurance rates in Iowa are relatively affordable, it’s always a good idea to understand how rates compare in other states. This is important because knowing how your rates stack up against those in different areas can help you understand whether you’re paying a fair amount for your coverage.

States with higher rates might give you insight into what factors drive costs up, and states with lower rates can provide ideas on how to save on your own premiums.

In the following table, we provide you with a comprehensive comparison of average car insurance rates across all U.S. states, providing a clearer picture of how Iowa fares on the national stage.