🚗 Car insurance cost in Iowa (2026)
The estimated average is $1,591 per year — below the national average (-26% vs. the U.S. average of $2,150).
Iowa is home to about 3.2 million people, and car insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Des Moines typically differ from smaller towns.
Estimate your car insurance in Iowa
Iowa car insurance estimator
Starts from the Iowa average. Estimate only — get quotes to confirm.
Car insurance cost in Iowa cities
| City | Population | Est. car insurance |
|---|---|---|
| Des Moines | 210,381 | $1,591 |
| Cedar Rapids | 137,710 | $1,591 |
| Davenport | 100,354 | $1,591 |
| Iowa City | 74,828 | $1,527 |
Iowa car insurance FAQ
How much is car insurance in Iowa?
The estimated average car insurance in Iowa is $1,591 per year, which is below the national average (-26% vs. the U.S. average of $2,150). Iowa ranks 45 of 51 states from most to least expensive.
Why is car insurance cheaper in Iowa?
Car insurance pricing in Iowa reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the Midwest.
How can I save on car insurance in Iowa?
Compare at least three quotes from insurers active in Iowa, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.