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

The Zebra
Oct. 11, 2018

Car insurance is affordable in Iowa. The average car insurance premium in Iowa is $1,015 annually — 28.9% less than the US average.

Your car insurance premiums are impacted by factors other than your location. Car insurance rates incorporate a number of considerations, including your credit score, driving record, age, gender, and marital status.

We examined average Iowa car insurance premiums by each of the significant rating components. See below how much auto insurance runs in each state — or submit your zip code to view unique prices from popular insurance companies.


Average Car Insurance Premiums in Iowa by Age

It’s a fact of life: as you get older, your auto insurance premiums change. As a general rule, car insurance is more expensive for young drivers, as underwriters view newer drivers as less responsible.

In Iowa, car coverage costs $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
Age Average Yearly 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



Average Car Insurance Premiums in Iowa by Gender

While gender does not carry as significant an impact on auto insurance premiums as location or age, it is employed as a rating factor. Women pay less than do men for auto insurance in Iowa, but the disparity is just $6.16 per year.

IOWA CAR INSURANCE PREMIUMS FOR MEN AND WOMEN
Gender Average Yearly Cost
Male $1,014.82
Female $1,008.67



Mean Car Insurance Premiums in Iowa by Marital Status

One pro of nuptials — in addition to the honeymoon — is the price cut you often get on car insurance. In Iowa, married motorists save $63 annually on auto insurance policies. This is a smaller discount than the national mean of $76.


IOWA CAR INSURANCE PREMIUMS BY MARITAL STATUS
Marital Status Average Annual Rate
Single $1,014.82
Married $951.90
Divorced $1,014.82
Widowed $994.39



Average Car Insurance Prices in Iowa by Credit Score

Auto insurance underwriters use credit score as a way of determining a potential customer's insurability. Historical trends indicate motorists who carry excellent credit scores are usually more reliable auto insurance customers: they're less likely to file claims insurance companies are compelled to cover.

In Iowa, a driver with outstanding credit saves $803.50 per year on auto insurance rates, compared with a driver saddled with a poor credit rating. Read more about how credit affects car insurance outlays:


IOWA CAR INSURANCE RATES BY CREDIT SCORE
Credit Quality Average 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



Median Car Insurance Prices for High-Risk Drivers in Iowa

If you've been found to be at fault after an accident or convicted of a driving violation, your auto insurance costs are bound to climb. The more violations you accumulate, the more costly your car insurance policy becomes.

In Iowa, your first minor at-fault accident results in a penalty of $566.05 each year in car insurance premiums. A DUI — one of the most severe driving offenses — could boost your insurance rates in Iowa by an average of $722.20.


IOWA AUTO INSURANCE COSTS WITH VIOLATIONS
Age Average Yearly Premium
DUI/DWI $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 your policy is more costly than the state average, it's worth shopping to find affordable insurance coverage that fits your budget.


Find affordable car insurance today!

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