Car insurance premiums in Iowa can vary widely based on the vehicle you own. Insurers consider not only the make and model, but also safety ratings, likelihood of theft, cost of repairs and other factors, including age, location and driving record.
We’ve listed the most affordable cars to insure in Iowa by category, from sedans to sports cars and EVs.
Ranked: The cheapest cars to insure in Iowa
In Iowa, Honda CR-V and Honda HR-V have the cheapest car insurance rates, followed by Hyundai Venue and Volkswagen Tiguan, based on our research.
The table below highlights the most affordable vehicles to insure in Iowa, including their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Honda CR-V | $787 |
| Honda HR-V | $788 |
| Hyundai Venue | $810 |
| Volkswagen Tiguan | $811 |
| Hyundai Kona | $831 |
| Toyota RAV4 | $836 |
| Toyota Corolla Cross | $837 |
| Honda Odyssey | $839 |
| Chevrolet Express | $839 |
| Hyundai Tucson | $841 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Iowa
Insurance premiums can vary significantly by vehicle type. For instance, Van come with the most affordable insurance rates, whereas Performance Car typically have the highest costs.
We analyzed insurance rates for sedans, SUVs, sports cars, electric vehicles and luxury cars to find the most affordable makes and models in each category, along with their average six-month full coverage premiums.
Cheapest sedans to insure in Iowa
Our data shows that Subaru Legacy is the most affordable sedan to insure in Iowa. Its average six-month full coverage cost is $867 for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
The Nissan Versa takes the second spot at $891, while the Nissan Sentra comes in third with an average cost of $924.
The table below shows the cheapest sedans to insure in Iowa and their average full coverage six-month costs.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $867 |
| Nissan Versa | $891 |
| Nissan Sentra | $924 |
| Honda Civic Sedan | $926 |
| Volkswagen Jetta | $929 |
| Kia Forte | $936 |
| Honda Accord | $957 |
| Toyota Corolla | $972 |
| Toyota Camry | $972 |
| Volkswagen Jetta GLI | $987 |
| Chevrolet Malibu | $999 |
| Hyundai Elantra | $1,001 |
| Nissan Altima | $1,007 |
| Mitsubishi Mirage G4 | $1,008 |
| Mazda 3 Sedan | $1,036 |
| Kia K5 | $1,102 |
| Hyundai Sonata | $1,119 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Iowa
In Iowa, the Honda CR-V and Honda HR-V are some of the most affordable SUVs to insure with an average six-month full coverage cost of $787 and $788 respectively. See the table below for the complete list of affordable SUVs to insure.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Honda CR-V | $787 |
| Honda HR-V | $788 |
| Volkswagen Tiguan | $811 |
| Hyundai Kona | $831 |
| Toyota RAV4 | $836 |
| Toyota Corolla Cross | $837 |
| Hyundai Tucson | $841 |
| Chevrolet Trax | $843 |
| Mazda CX-5 | $848 |
| Honda Pilot | $853 |
| Chevrolet TrailBlazer | $854 |
| Kia Sportage | $859 |
| Subaru Forester | $859 |
| Chevrolet Equinox | $861 |
| Nissan Kicks | $867 |
| Buick Encore GX | $870 |
| Honda Passport | $882 |
| Volkswagen Taos | $884 |
| Mazda CX-30 | $885 |
| Subaru Crosstrek | $886 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Iowa
Sports cars often come with hefty insurance premiums because of their powerful engines, making them more prone to speeding violations, accidents, costly repairs and theft.
However, some models break the mold. Take the Mazda MX-5 Miata, for example, which is among the most affordable on our list, with an average six-month full coverage cost of $879.
The table below highlights the average six-month full coverage cost of various sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $879 |
| Honda Civic Si | $1,003 |
| Chevrolet Camaro | $1,079 |
| Ford Mustang | $1,209 |
| Subaru BRZ | $1,273 |
| Toyota GR86 | $1,299 |
| Subaru WRX | $1,299 |
| Toyota GR Corolla | $1,371 |
| Honda Civic Type R | $1,421 |
| BMW Z4 | $1,428 |
| Toyota GR Supra | $1,436 |
| Porsche 718 Boxster | $1,498 |
| Chevrolet Camaro ZL1 | $1,521 |
| Chevrolet Corvette | $1,527 |
| Porsche 718 Cayman | $1,820 |
| Jaguar F-Type | $1,980 |
| Chevrolet Corvette Z06 | $1,988 |
| Nissan Z | $2,237 |
| Porsche 911 | $2,337 |
| Porsche 911 Turbo | $2,523 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Iowa
Luxury vehicles typically have higher insurance costs than other types due to their premium features and advanced technology. These features make repairs and replacements significantly more expensive compared to compact crossovers like the Honda CR-V, Honda HR-V, or Volkswagen Tiguan.
With an average six-month full coverage premium of $898, the Acura RDX ranks as the most affordable luxury car to insure, followed closely by Cadillac XT4 at $983 and the Volvo XC40 at $988.
The following table shows average premiums for various luxury vehicles, based on a six-month full coverage policy with limits of 100/300/100 and $500 deductibles for collision and comprehensive coverage.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $898 |
| Cadillac XT4 | $983 |
| Volvo XC40 | $988 |
| Audi Q3 | $1,009 |
| Cadillac XT5 | $1,011 |
| Acura MDX | $1,012 |
| Mercedes-Benz GLA-Class | $1,048 |
| Lincoln Corsair | $1,055 |
| BMW X3 | $1,082 |
| Acura TLX | $1,086 |
| Acura Integra | $1,108 |
| Alfa-Romeo Tonale | $1,119 |
| Lexus RX | $1,124 |
| BMW X2 | $1,125 |
| Volvo XC60 | $1,128 |
| Lexus NX | $1,133 |
| Infiniti QX50 | $1,145 |
| Audi A3 | $1,159 |
| Mercedes-Benz GLB-Class | $1,164 |
| BMW X1 | $1,170 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Iowa
Electric vehicles are more expensive to buy and insure than many of their gas-powered counterparts because of their expensive components, such as batteries, and the cost of parts and labor to repair them.
According to our data analysis, insuring an electric vehicle costs an average of $3,050 a year or $254 a month.
Below is a list of the most affordable EVs to insure in Iowa for a full coverage policy and average six-month premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $920 |
| Hyundai Kona Electric | $950 |
| Nissan Leaf | $988 |
| Kia Niro EV | $1,023 |
| Volkswagen ID.4 | $1,076 |
| Chevrolet Silverado EV | $1,096 |
| Subaru Solterra | $1,217 |
| Ford F-150 Lightning | $1,224 |
| Toyota bZ4X | $1,224 |
| Toyota Mirai | $1,230 |
| Audi Q4 e-tron | $1,252 |
| Genesis Electrified GV70 | $1,289 |
| Mercedes-Benz EQB | $1,304 |
| Hyundai Ioniq 5 | $1,307 |
| Kia EV9 | $1,334 |
| Ford Mustang Mach-E | $1,349 |
| Jaguar I-Pace | $1,350 |
| Chevrolet Blazer EV | $1,352 |
| Cadillac LYRIQ | $1,388 |
| Volvo XC40 Recharge | $1,408 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Iowa
Choosing the right vehicle can significantly affect how much a young driver pays for insurance. Drivers younger than 25 pay the most of any age group due to their general lack of experience and greater risk of accidents. Vehicles considered safe with smaller engines, cheaper to repair, and less likely to be stolen come with lower premiums.
For instance, a Honda CR-V costs an average of $2,505 to insure for an 18-year-old driver, whereas a Honda Odyssey costs an average of $2,617 for a six-month full coverage car insurance policy for an 18-year-old driver.
The table below highlights the cheapest cars to insure based on vehicle type, helping young drivers and their families make confident decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
While your choice of car has a major impact on your insurance premium, it’s not the only factor. Your driving record, location and coverage level all play a role in calculating your premium. We’ve put together this guide to help you decide on a car that aligns with your needs and keeps your insurance rates in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Iowa?
Electric cars are usually more costly to insure than traditional gas-powered vehicles. However, some EVs are affordable when compared to similar models with gas engines.
For instance, a six-month full coverage policy for a Mini Cooper Electric costs $920, whereas the cost of insuring a Hyundai Kona Electric is $950 for the same coverage.
Which SUVs are the cheapest to insure in Iowa?
With an average six-month full coverage premium of $787, the Honda CR-V is one of the least expensive SUVs to insure in Iowa. Honda HR-V and Volkswagen Tiguan also offer affordable premiums to Iowa drivers.
What are the cheapest cars to insure for teen drivers in Iowa?
The Honda CR-V, Honda Odyssey, Subaru Outback and Honda HR-V are among the most affordable cars to insure for 18-year-old drivers in Iowa. On the other hand, vehicles like the Maserati Quattroporte, Maserati Ghibli and Audi e-tron GT come with higher insurance costs for young drivers.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs