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West Bend Mutual is the best homeowners insurance company in Iowa, based on a 2023 analysis by, with an overall rating of 4.7. Auto-Owners is the second-best home insurance company in Iowa, with an overall rating of 4.4.

West Bend Mutual also has the cheapest home insurance in Iowa at $1,188 per year.

With so many options out there, it is not easy to choose a homeowners insurance company in Iowa. You need a reliable company that will provide you with quality service at an affordable price. If this is what you're looking for, then keep on reading this guide.

Key takeaways

  • The average cost of homeowners insurance in Iowa is $2,402 a year or $200 a month.
  • The cheapest homeowners insurance company in Iowa is West Bend Mutual. It offers home insurance at an average of $1,188 a year.
  • West Bend Mutual also ranked as the best insurance company in Iowa based on rates, complaints and financial stability.

Average home insurance cost in Iowa

The average cost of homeowners insurance in Iowa is $2,402 a year or $200 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, 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 for 2023 is West Bend Mutual, followed by Auto-Owners and IMT Insurance.

Below is a full list of the top Iowa insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total score is calculated out of five using these factors.

Best home insurance companies in Iowa
Insurance companyAM BestAverage annual rateNAIC Complaint score
West Bend MutualA$1,1880.144.7
IMT InsuranceA$1,7290.214.23
American FamilyA$1,8150.63.95
State FarmA++$2,6431.073.34
Iowa Farm BureauA$2,9610.333.2

*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 West Bend Mutual has the most affordable rates in every category by a wide margin.

Cheapest home insurance rates in Iowa by coverage level
West Bend Mutual$875$1,188$1,531$1,866$2,184
IMT Insurance$1,226$1,729$2,140$2,610$3,079
American Family$1,493$1,815$2,161$2,505$2,843
State Farm$2,043$2,643$3,168$3,912$4,606
Iowa Farm Bureau$2,474$2,961$3,518$4,071$4,673

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 the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.


Average home insurance rates in CALIFORNIA

94404 - Foster City
Dwelling $200,000, Deductible $1,000 and Liability $100,000.



Most & least expensive zip codes for homeowners insurance in California

Most Expensive

Zip CodeCityHighest Rate
92391Twin Peaks$1,426
92321Cedar Glen$1,425
92352Lake Arrowhead$1,423

Least Expensive

Zip CodeCityLowest Rate
95051Santa Clara$743

The most expensive ZIP codes in Iowa for home insurance

Iowa homeowners insurance rates are the most expensive for ZIP code 51501 with an average annual cost of $2,892.

The most expensive ZIP codes in Iowa are:

ZIP codeAverage annual rates

The least expensive ZIP codes in Iowa for home insurance

The cheapest ZIP codes for home insurance in Iowa are:

ZIP codeAverage annual rates
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