Iowa auto insurance averages - $869.46 per year in 2023, ranked #48 of 51 states. NAIC Auto Insurance Database (June 2025 release).
Iowa sits below the 2023 national average expenditure; figures are NAIC Auto Insurance Database averages, not personal quotes.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $869.46 ▲11.9% | $387 |
| 2022 | $776.69 ▲7.0% | $356 |
| 2021 | $725.59 ▲2.5% | $343 |
| 2020 | $707.69 ▼0.1% | $342 |
| 2019 | $708.56 | $351 |
Evidence lead: 2023 cost position
Iowa's strongest visible signal here is its gap to the national average expenditure. The cards below separate that level gap from change, annual shape, component mix, and registry coverage - descriptive only, not a quote.
2023 cost position
Iowa records $869.46 in 2023 average expenditure and ranks #48 of 51. This lowest-cost tier describes the statewide blend in the NAIC table, not the cheapest available policy. Individual premiums can still sit far above or below the state figure because the source is an aggregate market measure.
Five-year movement
The 2019-to-2023 comparison for Iowa is +22.7%, the #11 change among 51 jurisdictions. The state therefore moved faster than most of the table, although the endpoint comparison can conceal pauses or reversals between those years. The year-by-year shape below provides that missing context.
Year-by-year shape
Iowa's only decline is a shallow -0.1% in 2020 — small enough that the five-year climb barely registers it. The largest annual movement is instead the 2023 reading at +11.9%, and the latest step is +11.9%. This is a rising series with one flat spot, not a genuine reversal.
Coverage-component signature
Iowa's most distinctive 2023 component is liability: $387.00, or 41.9% below the 51-jurisdiction average of $666.04. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
Substantial registry context
Iowa's separate complaint layer covers 53 companies with 7,792 recorded complaints. That is #15 for company breadth and #15 for record count across 51 jurisdictions—an upper-middle registry footprint. The totals are coverage denominators, not quality grades, and they are deliberately excluded from the state's expenditure calculation.
Nearest expenditure peers. By average expenditure, Iowa's closest peers in this dataset are Idaho ($863.96) and Maine ($856.28), both within a few dollars of Iowa's own $869.46.
Note on state comparisons: These averages reflect the mix of coverages purchased in Iowa, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
