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Renters and home insurance rates in Iowa

The NAIC's published average premiums for Iowa by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value. Figures are published averages, never quotes; methodology at the foot of the page.

average renters premium (HO-4), per year
$144
average homeowners premium (HO-3), per year
$1,268
renter households
371,145

By county

Polk County66,647$1,113$248,400
Johnson County25,608$1,104$293,100
Linn County25,366$915$204,400
Scott County22,093$958$212,500
Black Hawk County18,638$962$182,400
Story County17,040$1,019$243,600
Woodbury County12,785$946$172,000
Dallas County12,471$1,239$333,400
Pottawattamie County11,128$970$183,600
Dubuque County10,890$944$226,100
Cerro Gordo County5,506$840$154,100
Clinton County5,222$825$153,800
Des Moines County4,693$908$137,000
Webster County4,679$762$138,500
Wapello County4,587$950$112,900
Muscatine County4,316$966$172,400
Marshall County4,146$860$134,100
Jasper County3,713$822$176,800
Lee County3,505$814$123,600
Warren County3,433$975$252,800
Marion County2,984$880$211,100
Mahaska County2,860$821$140,900
Sioux County2,789$888$235,600
Plymouth County2,710$865$218,600
Washington County2,518$862$199,600
Jefferson County2,397$881$161,200
Poweshiek County2,284$864$184,200
Carroll County2,187$722$175,700
Buena Vista County2,078$835$146,900
Boone County2,072$826$191,200
Dickinson County2,019$930$251,600
Clay County1,979$798$171,500
Henry County1,977$770$148,600
Winneshiek County1,938$800$239,000
Fayette County1,888$813$130,800
Hardin County1,871$814$113,000
Bremer County1,861$844$207,200
Page County1,848$731$120,000
Jackson County1,780$800$170,000
Clayton County1,734$764$155,700
Floyd County1,698$672$133,300
Hamilton County1,658$853$132,300
Iowa County1,638$722$189,800
Cass County1,605$769$133,300
Kossuth County1,603$859$135,100
Benton County1,591$815$198,400
Tama County1,585$865$139,900
Jones County1,566$759$183,400
Appanoose County1,546$779$119,800
Buchanan County1,541$802$171,400
Cedar County1,447$860$199,700
Union County1,410$683$117,800
Harrison County1,386$854$165,300
Wright County1,381$788$109,800
Cherokee County1,356$711$145,100
Crawford County1,328$727$136,300
O'Brien County1,314$770$158,900
Montgomery County1,309$782$109,900
Allamakee County1,275$717$171,900
Delaware County1,265$743$168,700
Madison County1,241$938$236,900
Clarke County1,222$836$160,200
Shelby County1,207$810$156,200
Winnebago County1,177$712$132,300
Butler County1,177$780$156,500
Franklin County1,123$649$118,500
Humboldt County1,059$731$146,900
Greene County1,011$774$140,500
Decatur County976$663$109,500
Sac County934$643$138,400
Chickasaw County927$779$164,400
Monona County917$795$122,600
Palo Alto County908$599$119,300
Mitchell County897$739$164,100
Emmet County873$731$106,200
Adair County861$730$140,600
Keokuk County859$822$112,200
Howard County859$699$133,900
Mills County846$888$228,700
Hancock County832$784$129,300
Louisa County824$797$137,600
Grundy County815$777$180,500
Guthrie County759$823$163,900
Calhoun County742$690$114,400
Lyon County740$802$215,600
Lucas County693$738$117,000
Ida County672$669$108,800
Pocahontas County660$743$93,300
Worth County600$703$142,300
Audubon County595$707$110,400
Osceola County574$796$123,800
Taylor County550$707$109,700
Fremont County531$753$147,500
Wayne County509$660$102,300
Davis County506$878$146,000
Van Buren County491$686$118,800
Monroe County484$787$135,900
Ringgold County396$745$150,300
Adams County356$909$116,900

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Cite as: "HomeCover HQ Rates Index: Iowa", updated 2026-08-17, https://homecoverhq.com/rates/iowa/.

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Average annual renters insurance premium · Iowa · 2022

$144

renter households371,145

Source: HomeCover HQ Rates Index: Iowa

Download the Iowa county-level dataset (CSV), free to reuse with citation.

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