Iowa Auto Insurance Rates
Median premium: $637/6mo across 11 carriers and 1,055 ZIP codes.
Premiums range from $542 to $1,328 — a 2.5x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$637
per 6 months
ZIP Codes
1,055
with rate data
Carriers
11
rated in IA
Price Spread
2.5x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | GEICO | $476 | 1,055 ZIPs | 100% | |
| 2 | Auto-Owners | $531 | 0 ZIPs | 0% | |
| 3 | USAA | $532 | 0 ZIPs | 0% | |
| 4 | State Farm | $543 | 0 ZIPs | 0% | |
| 5 | American Family | $560 | 0 ZIPs | 0% | |
| 6 | Farmers | $637 | 0 ZIPs | 0% | |
| 7 | Progressive | $648 | 0 ZIPs | 0% | |
| 8 | Nationwide | $649 | 0 ZIPs | 0% | |
| 9 | Travelers | $661 | 0 ZIPs | 0% | |
| 10 | Liberty Mutual | $678 | 0 ZIPs | 0% | |
| 11 | Allstate | $767 | 0 ZIPs | 0% |
1
$476GEICO#1 in 1,055 ZIPs (100%)
2
$531Auto-Owners#1 in 0 ZIPs (0%)
3
$532USAA#1 in 0 ZIPs (0%)
4
$543State Farm#1 in 0 ZIPs (0%)
5
$560American Family#1 in 0 ZIPs (0%)
6
$637Farmers#1 in 0 ZIPs (0%)
7
$648Progressive#1 in 0 ZIPs (0%)
8
$649Nationwide#1 in 0 ZIPs (0%)
9
$661Travelers#1 in 0 ZIPs (0%)
10
$678Liberty Mutual#1 in 0 ZIPs (0%)
11
$767Allstate#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in Iowa
| City | Avg Median | ZIPs |
|---|---|---|
| Arlington | $544 | 1 |
| Fredericksburg | $544 | 1 |
| Frederika | $544 | 1 |
| Maynard | $544 | 1 |
| New Hampton | $544 | 1 |
Most Expensive Cities in Iowa
| City | Avg Median | ZIPs |
|---|---|---|
| Sioux City | $1,103 | 9 |
| Cooper | $1,096 | 1 |
| Pleasant Hill | $1,041 | 1 |
| Runnells | $1,041 | 1 |
| Prairie City | $1,041 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$1,103/6mo
51111 (Sioux City)
Cheapest ZIP
$542/6mo
50099 (Boone)
2.5x
Price Spread
The most expensive ZIP in Iowa costs 2.5x more than the cheapest. Your ZIP code matters more than you think.
Iowa Auto Insurance FAQ
ZIP Code Lookup
Enter your ZIP code to compare rates across all 11 carriers.
All carriers in Iowa
Want to see rates for your ZIP code?
Access ZIP-level rate data across all 11 carriers, 1,055 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
Other states
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDistrict of ColumbiaDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming