🏠 Home insurance cost in Iowa (2026)
The estimated average is $1,955 per year — below the national average (-15% vs. the U.S. average of $2,300).
Iowa is home to about 3.2 million people, and home insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Des Moines typically differ from smaller towns.
Estimate your home insurance in Iowa
Iowa home insurance estimator
Starts from the Iowa average. Estimate only — get quotes to confirm.
Home insurance cost in Iowa cities
| City | Population | Est. home insurance |
|---|---|---|
| Des Moines | 210,381 | $1,955 |
| Cedar Rapids | 137,710 | $1,955 |
| Davenport | 100,354 | $1,955 |
| Iowa City | 74,828 | $1,877 |
Iowa home insurance FAQ
How much is home insurance in Iowa?
The estimated average home insurance in Iowa is $1,955 per year, which is below the national average (-15% vs. the U.S. average of $2,300). Iowa ranks 25 of 51 states from most to least expensive.
Why is home insurance cheaper in Iowa?
Home insurance pricing in Iowa reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the Midwest.
How can I save on home insurance in Iowa?
Compare at least three quotes from insurers active in Iowa, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.