What's the Average Cost of Auto Insurance in Iowa?

The Zebra
Feb. 8, 2019

Auto insurance policies are affordable in Iowa. The average auto insurance premium in Iowa is $1,015 annually — 28.9% less than the national average.

Your auto insurance prices are impacted by factors aside from your location. Auto insurance premiums incorporate myriad factors, such as one's marital status, driving history, credit rating, gender, and age.

We analyzed typical Iowa auto insurance rates by all of the main rating factors. Read on to see how much auto insurance costs in your state — or enter your zip code to see personalized quotes from top insurers.


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Average Iowa car insurance costs by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average Auto Insurance Rates in Iowa by Age

It's impossible to avoid: as you grow older, your car insurance expenditures shift. Generally speaking, auto insurance is more expensive for young drivers, as car insurance companies see newer drivers as more risky.

In Iowa, auto insurance runs $4,072 each year for a 16-year-old driver, but only $850 annually for a driver in their 50s.


IOWA AUTO INSURANCE COSTS BY AGE BRACKET
AgeAverage Annual Rate
16$4,071.66
17$3,573.24
18$3,233.17
19$2,504.49
20s$1,407.76
30s$999.27
40s$949.32
50s$849.60
60s$864.50
70s$1,009.32

If you're shopping for car insurance for a teen driver, Iowa is the 3rd cheapest state in which to buy auto insurance for a 16-year-old.




Mean Car Insurance Prices in Iowa by Gender

While gender doesn’t make as sizable an impact on auto insurance prices as a driver's location or age, it is used as a rating factor by auto insurance companies.


IOWA AUTO INSURANCE RATES FOR MEN AND WOMEN
GenderAverage Yearly Rate
Male$1,014.82
Female$1,008.67

If you're concerned you aren't getting the best possible value for your money with your present car insurer, the best thing to do is to shop around.




Average Car Insurance Premiums in Iowa by Marital Status

One pro of marriage — aside from the honeymoon — is the improved deal you tend to receive on insurance. In Iowa, married drivers save $63 per year on car insurance policies. This is less than the national post-nuptial discount of $76.


IOWA CAR INSURANCE RATES BY MARITAL STATUS
Marital StatusAverage Annual Rate
Single$1,014.82
Married$951.90
Divorced$1,014.82
Widowed$994.39

Car insurance for divorced drivers in Iowa is the 48th most expensive in the . If you're overpaying for your car insurance policy, shop around. You never know what savings you'll find!




Average Auto Insurance Rates in Iowa by Credit Score

Auto insurance companies reference credit as a prediction of the reliability of a prospective client. Historical trends demonstrate drivers with excellent credit are usually more dependable auto insurance clients: they're less likely to file claims covered by insurance companies.

In Iowa, a car insurance client who carries exceptional credit saves $803.50 each year in car insurance premiums, contrasted with a driver with a less-favorable credit rating. Read more about how credit history affects auto insurance rates:


IOWA AUTO INSURANCE PRICES BY CREDIT
Credit QualityAverage Annual Rate
Very Poor (300-579)$1,718.81
Fair (580-669)$1,441.05
Good (670-739)$1,220.55
Very Good (740-799)$1,055.57
Exceptional (800-850)$915.32

Finding inexpensive auto insurance with poor credit is difficult. But The Zebra is here to provide some help. Review our guide to finding auto insurance with bad credit and start saving!




Average Auto Insurance Costs for High-Risk Drivers in Iowa

If you’re found at fault in a driving incident or found guilty of a driving violation, your car insurance premiums are bound to rise. The more violations you accumulate, the more expensive your auto insurance gets.

In Iowa, your first minor at-fault crash will lead to an extra $566.05 each year in auto insurance premiums. A DUI — one of the most grave driving infractions — could raise your insurance rates in Iowa by as much as $722.20.


IOWA AUTO INSURANCE COSTS AFTER OFFENSES
AgeAverage Yearly Premium
DWI/DUI$1,736.84
Reckless Driving$1,684.69
At-Fault Accident (<$1,000)$1,580.69
At-Fault Accident ($1,000-$2,000)$1,605.20
At-Fault Accident (>$2,000)$1,580.69
Open Container$1,505.28
Speeding (21-25 MPH > limit)$1,371.89
Speeding (16-20 MPH > limit)$1,371.89

If you're saddled with high car insurance costs, think about weighing rates to discover inexpensive insurance coverage that suits you.




Median Auto Insurance Costs by Coverage Level in Iowa

The amount you pay every month for auto insurance depends on how much coverage you elect to carry. A liability-only policy usually costs less, while low-deductible comprehensive coverage usually costs more. In Iowa, the price difference between state-minimum liability-only coverage and full coverage with a $500 deductible is $729.


IOWA CAR INSURANCE PRICES BY COVERAGE
Coverage LevelAverage Yearly Rate
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only$388
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$917
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,084
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only$352
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$889
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,059
State Minimum — Liability Only$313
State Minimum — $1,000 Comprehensive/Collision$867
State Minimum — $500 Comprehensive/Collision$1,042

If your policy is more costly than the state average, think about getting quotes to find affordable coverage that fits your needs.