💛 Life insurance cost in Iowa (2026)
The estimated average is $26 per month — about the national average (0% vs. the U.S. average of $26).
Iowa is home to about 3.2 million people, and life insurance here runs near 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 life insurance in Iowa
Iowa life insurance estimator
Starts from the Iowa average. Estimate only — get quotes to confirm.
Life insurance cost in Iowa cities
| City | Population | Est. life insurance |
|---|---|---|
| Des Moines | 210,381 | $26 |
| Cedar Rapids | 137,710 | $26 |
| Davenport | 100,354 | $26 |
| Iowa City | 74,828 | $26 |
Iowa life insurance FAQ
How much is life insurance in Iowa?
The estimated average life insurance in Iowa is $26 per month, which is about the national average (0% vs. the U.S. average of $26). Iowa ranks 11 of 51 states from most to least expensive.
Why is life insurance cheaper in Iowa?
Life 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 life 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.