$1,234
Avg. Auto Insurance/Year
30% below national avg
$1,789
Avg. Home Insurance/Year
2% below national avg
#47
Cost Ranking (Most Expensive)
20/40/15
Minimum Liability Required
📰 For Journalists & Bloggers:
You may cite this data with attribution to InsureCompare.
Citation: "According to InsureCompare's 2025 State Insurance Rate Report,
the average Iowa driver pays $1,234 annually for car insurance,
which is 30% below the national average."
Source: InsureCompare.com
How Iowa Compares to National Average
Auto Insurance
Iowa: $1,234 vs National: $1,771
Home Insurance
Iowa: $1,789 vs National: $1,820
Iowa Minimum Insurance Requirements
| Coverage Type |
Minimum Required |
Recommended |
| Bodily Injury (per person) |
$20k |
$100k+ |
| Bodily Injury (per accident) |
$40k |
$300k+ |
| Property Damage |
$15k |
$100k+ |
Cheapest Car Insurance Companies in Iowa
| Company |
Avg. Annual Rate |
vs State Avg |
| GEICO |
$1,011 |
-18% |
| USAA (Military) |
$925 |
-25% |
| Progressive |
$1,085 |
-12% |
| State Farm |
$1,172 |
-5% |