- Average home insurance cost in Iowa
- Best home insurance companies in Iowa
- Cheapest home insurance companies in Iowa
- Iowa home insurance rates by ZIP code
- Iowa homeowners insurance rates by county
- Compare homeowners insurance rates by city in Iowa
- Methodology
- Compare Iowa homeowners insurance rates with other states
Average home insurance cost in Iowa
The average cost of homeowners insurance in Iowa is $2,902 a year or $242 a month. This is based on coverage of:
- $300,000 dwelling
- $300,000 liability
- $1,000 deductible.
However, the average annual premium varies by the insurance company, your ZIP code, coverage type, and your home's age, among other factors. It’s a good idea to compare price quotes from different Iowa homeowners insurance companies to get the best deal.
Best home insurance companies in Iowa
The best home insurance company in Iowa is West Bend Insurance Company, followed by State Farm and Auto-Owners.
Below is a list of the top Iowa insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
*USAA only provides coverage to military members, veterans, and their families.
Cheapest home insurance companies in Iowa
Below are Iowa home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see that West Bend Insurance Company has the most affordable rates across most categories by a considerable margin.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| State Farm | $2,118 | $2,648 | $3,042 | $3,995 | $5,220 |
| Farmers | $2,245 | $3,017 | $3,768 | $5,454 | $7,709 |
| Allstate | $2,631 | $3,114 | $3,458 | $4,049 | $5,113 |
| Nationwide | $2,233 | $2,988 | $3,716 | $4,872 | $6,187 |
| American Family | $2,949 | $3,890 | $4,765 | $6,398 | $9,256 |
| Auto-Owners | $2,373 | $2,947 | $3,521 | $4,465 | $6,536 |
| IMT Insurance | $2,180 | $3,208 | $4,045 | $5,958 | $8,311 |
| Iowa Farm Bureau | $4,646 | $6,058 | $7,476 | $10,186 | $14,416 |
| West Bend Insurance Company | $1,700 | $2,198 | $2,548 | $3,576 | $5,754 |
| USAA | $1,987 | $2,606 | $3,112 | $4,053 | $5,355 |
*USAA offers home insurance only to military veterans and their family members.
Iowa home insurance rates by ZIP code
Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Iowa to see which areas are the most and least expensive.
Enter your ZIP code and desired coverage level in the search box to see that area's average home insurance rate. You will also see the highest and lowest premiums from major home insurers. Comparing home insurance rates will give you an idea of how much you can save.
Home insurance calculator by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,164 |
| 77586 | El Lago | $9,906 |
| 77551 | Galveston | $9,536 |
| 77554 | Galveston | $9,358 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 78559 | Iglesia Antigua | $1,956 |
| 78593 | Santa Rosa | $1,999 |
| 79915 | El Paso | $2,008 |
| 79905 | El Paso | $2,009 |
The Iowa Insurance Division says...
It's important to shop around for the type of coverage you need at a price you can afford from a licensed insurance agent at a company licensed to sell insurance in Iowa.
Be sure to find an insurance agent and company that is currently licensed to do business in Iowa. You do not need to use the same insurance agent for all of your insurance needs although it may be cost beneficial to do so.
The most expensive ZIP codes in Iowa for home insurance
Iowa homeowners insurance rates are the most expensive for ZIP code 51526, with an average annual cost of $3,618.
The most expensive ZIP codes in Iowa are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Crescent | 51526 | $3,618 |
| Honey Creek | 51542 | $3,579 |
| Council Bluffs | 51503 | $3,572 |
| Tabor | 51653 | $3,570 |
| Mc Clelland | 51548 | $3,551 |
The least expensive ZIP codes in Iowa for home insurance
The cheapest ZIP codes for home insurance in Iowa are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| La Motte | 52054 | $2,454 |
| De Witt | 52742 | $2,458 |
| Spring Rock | 52777 | $2,460 |
| Calamus | 52729 | $2,464 |
| Grand Mound | 52751 | $2,481 |
Iowa homeowners insurance rates by county
Home insurance rates in Iowa vary by county. Take a look at the average rates by county in Iowa below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Adair | $3,138 | $261 |
| Adams | $3,320 | $277 |
| Allamakee | $2,665 | $222 |
| Appanoose | $2,768 | $231 |
| Audubon | $3,106 | $259 |
| Benton | $2,701 | $225 |
| Black Hawk | $2,842 | $237 |
| Boone | $2,900 | $242 |
| Bremer | $2,686 | $224 |
| Buchanan | $2,841 | $237 |
| Buena Vista | $3,106 | $259 |
| Butler | $2,773 | $231 |
| Calhoun | $2,918 | $243 |
| Carroll | $3,147 | $262 |
| Cass | $3,192 | $266 |
| Cedar | $2,607 | $217 |
| Cerro Gordo | $2,800 | $233 |
| Cherokee | $3,007 | $251 |
| Chickasaw | $2,695 | $225 |
| Clarke | $3,003 | $250 |
| Clay | $3,125 | $260 |
| Clayton | $2,621 | $218 |
| Clinton | $2,547 | $212 |
| Crawford | $3,213 | $268 |
| Dallas | $3,013 | $251 |
| Davis | $2,778 | $232 |
| Decatur | $2,991 | $249 |
| Delaware | $2,801 | $233 |
| Des Moines | $2,671 | $223 |
| Dickinson | $3,045 | $254 |
| Dubuque | $2,605 | $217 |
| Emmet | $3,043 | $254 |
| Fayette | $2,812 | $234 |
| Floyd | $2,788 | $232 |
| Franklin | $2,846 | $237 |
| Fremont | $3,517 | $293 |
| Greene | $2,943 | $245 |
| Grundy | $2,758 | $230 |
| Guthrie | $2,995 | $250 |
| Hamilton | $2,826 | $236 |
| Hancock | $2,833 | $236 |
| Hardin | $2,865 | $239 |
| Harrison | $3,289 | $274 |
| Henry | $2,779 | $232 |
| Howard | $2,686 | $224 |
| Humboldt | $2,900 | $242 |
| Ida | $3,128 | $261 |
| Iowa | $2,707 | $226 |
| Jackson | $2,603 | $217 |
| Jasper | $2,784 | $232 |
| Jefferson | $2,830 | $236 |
| Johnson | $2,837 | $236 |
| Jones | $2,719 | $227 |
| Keokuk | $2,751 | $229 |
| Kossuth | $2,929 | $244 |
| Lee | $2,672 | $223 |
| Linn | $2,746 | $229 |
| Louisa | $2,591 | $216 |
| Lucas | $2,868 | $239 |
| Lyon | $3,077 | $256 |
| Madison | $2,990 | $249 |
| Mahaska | $2,847 | $237 |
| Marion | $2,944 | $245 |
| Marshall | $2,822 | $235 |
| Mills | $3,304 | $275 |
| Mitchell | $2,739 | $228 |
| Monona | $3,174 | $264 |
| Monroe | $2,818 | $235 |
| Montgomery | $3,291 | $274 |
| Muscatine | $2,672 | $223 |
| O'Brien | $3,038 | $253 |
| Osceola | $3,097 | $258 |
| Page | $3,440 | $287 |
| Palo Alto | $2,956 | $246 |
| Plymouth | $3,183 | $265 |
| Pocahontas | $2,980 | $248 |
| Polk | $2,862 | $238 |
| Pottawattamie | $3,421 | $285 |
| Poweshiek | $2,914 | $243 |
| Ringgold | $3,025 | $252 |
| Sac | $3,116 | $260 |
| Scott | $2,686 | $224 |
| Shelby | $3,150 | $263 |
| Sioux | $3,051 | $254 |
| Story | $2,795 | $233 |
| Tama | $2,757 | $230 |
| Taylor | $3,273 | $273 |
| Union | $3,134 | $261 |
| Van Buren | $2,693 | $224 |
| Wapello | $2,773 | $231 |
| Warren | $2,975 | $248 |
| Washington | $2,768 | $231 |
| Wayne | $2,888 | $241 |
| Webster | $2,984 | $249 |
| Winnebago | $2,850 | $238 |
| Winneshiek | $2,740 | $228 |
| Woodbury | $3,202 | $267 |
| Worth | $2,811 | $234 |
| Wright | $2,858 | $238 |
Compare homeowners insurance rates by city in Iowa
Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Iowa.
City Annual insurance premium
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 37,973,840 insurance quotes from 134 insurance companies across 34,595 ZIP codes to determine the average premiums.
The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:
- $300,000 dwelling coverage
- $300,000 liability protection
- $1,000 deductible
- 2% hurricane deductible where appropriate.
To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.
