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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Renata Balasco

Senior Content Strategist

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Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

How to get affordable renters insurance in Iowa

Renters insurance is an optional — but important — product that works to keep your belongings safe in the event your rental property suffers damage from common incidents. A renters policy protects belongings from fire or smoke damage, a wind storm, theft, vandalism and a number of other misfortunes.

Unlike auto insurance, renters insurance isn't priced based on state-level legislation. Even so, there are sometimes substantial gaps in insurance pricing by state. Renters insurance prices by state vary depending on the value of — and total number of — renters policy claims filed across the state, and also on the price of the belongings you're insuring.

Getting a renters policy in Iowa is less expensive than the national average. The typical annual renters insurance rate in Iowa is $124, $61 less expensive than in other states.

The easiest way to acquire a cheap renters insurance policy in Iowa is to compare rates and consider policies from a variety of insurance companies. Learn renters insurance costs in Iowa via the below breakdown. Remember: your rates will vary, depending on your coverage limits and the valuation of your belongings.

Jump to:
  1. Rates by company
  2. Rates by city
  3. Rates by coverage level
  4. Bundling discounts
  5. Frequently asked questions

Renters insurance prices in Iowa by company

Rates for renters insurance in Iowa can vary depending on the insurance company you select. Iowa Farm Bureau provides the most affordable renters insurance in Iowa, at just $78 per year. This compares favorably to the state average rate of $124, providing a 37% price break on average policy costs statewide.

Start your search for renters insurance by reviewing the best Iowa insurance companies, listed below.

Company Average Annual Rate in Iowa
Iowa Farm Bureau $78
Allied $95
Shelter $99
AAA $99
Nationwide $99

Iowa renters insurance costs by city

Not all Iowa cities have equal renters insurance rates. Policy rates rely on on city-specific variables, such as the number of claims filed in the immediate area, lending your ZIP code plenty of weight in deciding how much you pay.

The cheapest renters insurance in Iowa is available in Clinton. The average renters insurance policy in Clinton runs only $122 per year — $7 less than the average policy in other Iowa cities. Reference the below table to see the cheapest cities in Iowa for renters insurance.

City Average 12-Month Renters Insurance Rate
Clinton $122
Muscatine $122
Burlington $122
Coralville $122
Marion $122

Renters insurance in IA by coverage tier

Your renters insurance rates will vary depending on your coverage levels. Common renters insurance tiers are $25,000 and $50,000 property coverage. In Iowa, the annual cost difference between these tiers is roughly $37. If you can afford the up-front expense, it's worth considering.

Coverage Level Average Annual Renters Insurance Rate in Iowa
$25K Property $105
$50K Property $142

Tip: bundle auto and renters insurance in Iowa

If you’re seeking ways to save on your insurance expenditures, consider purchasing your renters and auto policies from the same insurance company. A renters and car insurance bundle in Iowa can lead to substantial savings on auto insurance. Purchasing bundled policies in Iowa leads to a yearly savings of $87.

Avg. Annual Rate (No Bundle) Avg. Annual Rate (w/ Bundle) Annual Savings ($) Annual Savings (%)
$988 $900 $88 10%

Iowa renters insurance FAQs


Is renters insurance required in Iowa?

The state of Iowa will not require you carry renters insurance. Your landlord or property owner you are renting from might. However, it's generally inexpensive and a good idea to buy to protect your assets.

What does Iowa renters insurance cover?

A basic renters insurance policy in Iowa will typically include coverage for your contents, your liability, your additional living expenses, and any medical payments to others.

Need a Renters Insurance Quote?

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.