Renters Insurance

The Best Cheap Renters Insurance Quotes in Iowa

The Best Cheap Renters Insurance Quotes in Iowa

Lemonade has the cheapest prices for renters insurance in Iowa, with an average rate of $99 per year, or about $8 per month.

The average cost of renters insurance in Iowa is $13 per month, or $152 per year. Choosing Lemonade for your renters insurance will save you 34%, or $52 per year, compared to the typical price.

Compare Cheap Renters Insurance in Iowa

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We collected quotes from seven of the top renters insurance companies in Iowa to find the most affordable quotes. When choosing the best renters insurance company for you, it's important to consider coverage options and customer service, in addition to affordability.

Cheapest renters insurance companies in Iowa

The cheapest Iowa renters insurance is available at Lemonade, where renters will find a typical price of just $8 per month.

The average cost of renters insurance in Iowa is $13 per month, and most insurance companies were similarly priced. Only Farmers is significantly more, with an average rate of $23 per month — almost double the statewide average.

The Cheapest Renters Insurance in Iowa

Compare Cheap Renters Insurance in Iowa

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Renters insurance in Iowa is cheaper than in most other states. Nationally, renters insurance usually costs about $18 per month.

Monthly cost
Lemonade logo
State Farm logo
State Farm$10
Nationwide logo
Allstate logo
Amica logo
Travelers logo
Farmers logo

Best renters insurance for most people: Lemonade

Lemonade has great rates and a convenient online/app-focused experience, making it our top choice in Iowa.
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The good:

  • Affordable prices
  • Great mobile app

The bad:

  • Limited human-to-human service
  • Few extra coverage options

We recommend Lemonade as the best renters insurance for people in Iowa. It has very low rates of just $99 per year, or about $8 per month. That's the cheapest in the state and 32% less than the state's average cost overall.

Lemonade has a strong focus on its mobile app and web interface. For the most part, that's a good thing: getting a quote and managing your policy are both streamlined and easy to do.

However, this online-first approach can make it tough to get in touch with someone if you have a question about your policy. And Lemonade doesn't operate any physical offices. It is also a new, relatively untested insurance company. As a result, it hasn't withstood as many financial downturns or severe weather events as our other picks.

Overall, Lemonade's customer service is about average, so renters who value a strong, stable customer service experience above all else may want to consider Amica, which we found to have the strongest customer service.

Best customer service: Amica

Amica has the best customer service of any company we considered in Iowa.
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The good:

  • Highly rated service
  • Good discounts

The bad:

  • Above-average rates

For renters looking for insurance with the best service in Iowa, we recommend Amica. It's only a few dollars more per year than our top pick and has top-rated customer service.

Amica received a 5/5 in our renters insurance service ratings, reflecting its customers’ positive experiences. And it receives less than half as many complaints as a typical insurance company, according to the National Association of Insurance Commissioners (NAIC) — suggesting customers tend to be satisfied with their experience.

The average price at Amica is $12 per month, or $146 per year. That's $4 more per month than our top pick, Lemonade.

However, you may be able to reduce that price by taking advantage of Amica's plentiful discounts. These include being claim-free and bundling your policy, in addition to buying online. But keep in mind that discounts for renters insurance tend not to be as lucrative as for car insurance, since it's already so cheap.

Best coverage options: Nationwide

Travelers has the best selection of optional coverages in Iowa.
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The good:

  • Great coverage options
  • Below-average rates

The bad:

  • Mediocre customer service

For Iowa renters who want the widest possible selection of coverage options from their insurer, we recommend Nationwide. It has a bigger set of choices than any other insurer we reviewed.

Rates at Nationwide are also affordable at just $11 per month — less than the state average.

At Nationwide, you can purchase coverage options like replacement cost coverage for your property, valuable items coverage and extended liability. It also offers a few options we didn't see at other insurers, like water backup coverage.

Nationwide’s customer service received mixed reviews. While it receives fewer complaints than an average company, according to the NAIC, it has a below-average rating in J.D. Power's home insurance survey.

Iowa renters insurance: Costs by city

The most expensive city for renters insurance in Iowa is Des Moines, where we found a typical price of $170 per year.

That's a relatively minor difference of only 15% more than the cheapest city, Enfield, where the typical cost is only $148 per year.

Renters insurance costs can change based on where you live. Your bill might be lower if you live in an area with a low crime rate or higher if you live far from a fire station. However, the cost of renters insurance is fairly consistent across Iowa compared to other states.

Average annual cost
Difference from state average (%)
Cedar Falls$153-1%
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Top-rated renters insurance companies in Iowa

USAA and Amica have the top-rated customer service among renters insurance companies in Iowa.

These two companies have generally positive customer reviews and few complaints, according to the NAIC. They also received strong ratings from our ValuePenguin editors, and USAA is J.D. Power's top pick for customer satisfaction.

However, USAA is exclusively available to people affiliated with the military, which kept it from being our top pick.

Great customer service means you’ll have your questions answered while buying a policy or filing a claim, and you're more likely to paid be fairly and promptly after your claim is approved.

State Farm

Frequently asked questions

How much is renters insurance a month in Iowa?

Renters insurance costs $13 per month in Iowa, on average. The cheapest company in the state is Lemonade, which offers coverage for $8 per month.

Does Iowa require renters insurance?

The state of Iowa does not require renters insurance, but your landlord or property management company might. It's important to check your lease agreement before moving in to make sure you have enough coverage to protect you and your stuff.

How much is renters insurance in Davenport, Iowa?

Renters insurance in Davenport costs $13 per month, on average. In comparison, rates are $14 per month in Des Moines, Iowa's largest city.


We evaluated quotes from seven major insurance companies in 25 cities and census-designated places across the state of Iowa. All sample rates are for an unmarried 25-year-old renter who lives alone and has no recent renters insurance claims.

Personal property$30,000
Personal liability$100,000
Medical payments$1,000
Loss of use$9,000

Listed coverage applied where available.

Top picks are determined by our experts, who analyzed rates, customer service and coverage options.

Renters insurance star ratings are based on the National Association of Insurance Commissioners (NAIC) Complaint Index, the J.D. Power customer service satisfaction index and ValuePenguin's editors' rankings.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.