Average home insurance cost in Iowa

The average cost of homeowners insurance in Iowa is $2,654 a year or $221 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 Auto-Owners, followed by State Farm and American Family.

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.

Best home insurance companies in Iowa
CompanyAM BestNAIC complaint ratioInsurance.com scoreAverage annual rate
Auto-OwnersA++0.374.83$1,890
State FarmA++0.834.11$2,432
American FamilyA0.83.45$2,324
NationwideA+1.053.28$2,529
AllstateA+1.462.76$2,867
FarmersA0.672.75$3,101

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 considerable margin.

Cheapest home insurance rates in Iowa by coverage level
Company$200,000$300,000$400,000$600,000$1,000,000
West Bend Mutual$1,140$1,545$1,838$2,687$4,747
Auto-Owners$1,542$1,890$2,224$2,735$4,821
American Family$1,793$2,324$2,818$3,741$5,395
IMT Insurance$1,611$2,326$2,910$4,244$6,916
State Farm$1,879$2,432$2,910$4,052$6,111
Nationwide$1,880$2,529$3,183$4,466$7,243
USAA*$2,125$2,811$3,372$4,419$6,360
Allstate$2,414$2,867$3,251$3,987$5,478
Farmers$2,272$3,101$3,932$5,616$8,897
Iowa Farm bureau$2,753$3,347$4,029$5,450$8,088

*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

Average home insurance rates in Texas
$200,000
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000
$100,000 $300,000
Standard ($1000)
Standard ($1000) Hurricane (2% of insured value)

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP CodeCityHighest Rate
77550Galveston$10,164
77586El Lago$9,906
77551Galveston$9,536
77554Galveston$9,358

Least expensive

ZIP CodeCityLowest Rate
78559Iglesia Antigua$1,956
78593Santa Rosa$1,999
79915El Paso$2,008
79905El Paso$2,009
Data refreshed as of Apr 2024

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 $3,118.

The most expensive ZIP codes in Iowa are:

ZIP codeAverage annual premium
51501$3,118
51510$3,112
51526$3,075
51542$3,074
51653$3,050
51649$3,046

The least expensive ZIP codes in Iowa for home insurance

The cheapest ZIP codes for home insurance in Iowa are:

ZIP codeAverage annual rate
52001$2,278
52002$2,281
52073$2,298
52756$2,303
52039$2,305
52033$2,306

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.

CityAnnual insurance premium
Ames
$1,768
Ankeny
$1,656
Cedar Rapids
$1,647
Council Bluffs
$2,134
Davenport
$1,606
Des Moines
$1,822
Iowa City
$1,628
Sioux City
$2,006
Waterloo
$1,741
West Des Moines
$1,731

Compare homeowners insurance rates with other states

Alabama
$3,066/year
Alaska
$1,799/year
Arizona
$1,966/year
Arkansas
$4,073/year
Colorado
$3,388/year
Connecticut
$2,100/year
Delaware
$1,389/year
Florida
$4,218/year
Georgia
$2,163/year
Hawaii
$582/year
Idaho
$1,892/year
Illinois
$2,604/year
Indiana
$2,721/year
Kansas
$4,665/year
Kentucky
$3,163/year
Louisiana
$3,481/year
Maine
$1,407/year
Maryland
$1,630/year
Massachusetts
$1,518/year
Michigan
$2,607/year
Minnesota
$2,327/year
Mississippi
$3,398/year
Missouri
$3,349/year
Montana
$2,874/year
Nebraska
$4,624/year
Nevada
$1,457/year
New Hampshire
$1,144/year
New Jersey
$1,299/year
New Mexico
$2,542/year
New York
$1,728/year
North Carolina
$2,768/year
North Dakota
$2,946/year
Ohio
$2,017/year
Oklahoma
$4,945/year
Oregon
$1,503/year
Pennsylvania
$1,760/year
Rhode Island
$1,774/year
South Carolina
$2,727/year
South Dakota
$3,529/year
Tennessee
$2,870/year
Texas
$4,142/year
Utah
$1,421/year
Vermont
$1,175/year
Virginia
$1,999/year
Washington
$1,659/year
West Virginia
$1,801/year
Wisconsin
$1,508/year
Wyoming
$1,801/year
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