Average car insurance cost in Iowa (2026)
Drivers in Iowa pay an average of $111 a month for full coverage and $56 a month for liability only.
Full coverage / month
$111
Liability only / month
$56
Full coverage / year
$1,332
Liability only / year
$672
Cost rank
#47 of 51
1 = most expensive. Liability-only rank: #49.
Averages are a starting point. Estimate your cost in Iowa
How Iowa compares
The full-coverage average of $111 is 36% below the average across states ($174), and the liability-only average of $56 is 43% below the average across states ($98). Iowa is one of the 10 least expensive places in our table. That is $190 a month below Maryland, the highest, and $26 above New Hampshire, the lowest.
Full coverage vs liability only in Iowa
Full coverage costs $55 more per month than liability only in Iowa, or $660 more per year. That gap is narrower than the $77 average gap across states. Whether the extra cost makes sense depends on your car's value and any loan or lease terms. See our guide to choosing between full coverage and liability only.
States with similar prices
The five places closest to Iowa by full-coverage average:
| State | Full / month | Liability / month | Difference |
|---|---|---|---|
| North Carolina | $113 | $69 | +$2 |
| North Dakota | $114 | $66 | +$3 |
| Idaho | $107 | $64 | -$4 |
| Ohio | $117 | $65 | +$6 |
| Wisconsin | $125 | $57 | +$14 |
How a profile could change the estimate
These figures apply our illustrative multipliers to the Iowa averages. They show direction and rough scale only, and they are not any insurer's prices. For background, read what affects car insurance rates.
| Example profile | Full | Liability |
|---|---|---|
| Age 35-54, clean record, good credit, sedan, mid mileage (the baseline) | $111 | $56 |
| Same driver, age 20-24 | $161 | $81 |
| Same driver, one ticket | $135 | $68 |
| Same driver, one at-fault accident | $158 | $80 |
| Same driver, sports car | $144 | $73 |
Frequently asked questions
How much does car insurance cost in Iowa?
The average in Iowa is $111 a month ($1,332 a year) for full coverage and $56 a month ($672 a year) for liability only, based on Insurify figures for November 2026. Your own price may be higher or lower.
Is car insurance in Iowa expensive compared with other states?
Iowa ranks 47th highest of the 50 states and D.C. for full coverage. Its full-coverage average is 36% below the average across states of $174 a month.
How much more does full coverage cost than liability only in Iowa?
On average, full coverage costs $55 more per month in Iowa, or $660 more per year. That is 98% more than the liability-only average.
How much could an at-fault accident change an estimate in Iowa?
With our illustrative 1.42 factor, a baseline full-coverage estimate in Iowa rises from $111 to about $158 a month, or about $47 more. This is a simplified estimate, not an insurer's price.
Source: Insurify state averages, November 2026. Figures are monthly averages and individual prices vary. "Average across states" is the simple mean of the 51 figures in our table. See our methodology.