Are Car Insurance Prices Going Up in Iowa?

As most drivers can attest, insurance costs commonly increase each year. But car insurance is complex: justifications for rate hikes and price cuts vary, and may differ based on the driver's location.

A client's location is one of the rating factors insurance companies use to set premiums. The state, city, and ZIP code in which a car is stored and driven factor into auto insurance prices, coming down to state statutes and the differing levels of risk associated with insuring cars in various areas of the country.

Because auto insurance pricing depends on a number of factors, year-over-year rate changes vary widely by state. Auto insurance rates could be on their way up annually in a state while they decrease in a neighboring state.

See below auto insurance pricing trends in Iowa. If your insurance isn't following your state's trend, consider shopping for a more affordable policy. The Zebra's car insurance comparison tool furnishes auto insurance rates based on your specific profile — enter your ZIP below to get started.


Car insurance price trends in Iowa


In Iowa, average yearly auto insurance premiums decreased by $53 in the past year. The usual driver in Iowa now pays an average premium of $988 each year.

The recent trend in Iowa leans toward more expensive auto insurance. Between 2015 and 2018, rates increased by an average of $67 annually. At the same time, insurance prices across the nation as a whole have increased in recent years, climbing from $1,280 in 2015 to $1,470 in 2018.


ANNUAL INSURANCE PRICE TRENDS IN IOWA
YearAvg. Annual Premium — IowaYearly Change — IowaAvg. Annual Premium — USYearly Change — US
2018$988-$53$1,470$32
2017$1,041$158$1,437$69
2016$883-$38$1,368$88
2015$921$35$1,280$51
2014$886-$470$1,229$34
2013$1,356$132$1,195-$80
2012$1,224$383$1,276$82

If your rates are increasing faster than those in your state, consider shopping around for a better deal.


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How are car insurance rates trending in major Iowa cities?


Auto insurance policies are priced at a granular geographic level with myriad variables influencing premiums in the area. That means drivers could see major differences in their insurance rates, based solely on their ZIP code or city. For example, Waterloo drivers experienced a larger premium increase (5.0%) than did drivers in Sioux City (4.0%) between 2018 and 2017.

See below yearly rates of change in the largest cities in Iowa If your city is on the expensive side — and moving isn't an option — consider shopping around for a more affordable rate.


CityAvg. Premium Increase — 2018 vs. 2017
Waterloo5.0%
Sioux City4.0%
Cedar Rapids3.8%
Davenport3.5%
Des Moines3.2%

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Ross Martin
Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com and Kin Insurance.