Auto Insurance in Iowa — Average Cost 2026
Average auto insurance in Iowa: $1,280/year ($107/month). Iowa ranks #7 out of 51 states — below the national average.
Average annual
$1,280
Average monthly
$107
National rank
#7
of 51 states
vs national avg
-28.1%
Iowa vs national average
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Auto insurance in Iowa
Iowa sits 28% below the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in Iowa tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save Iowa drivers hundreds of dollars annually.