Compare average insurance rates in Carroll for 2026
🏠
Home
$1653
/year
🚗
Auto
$1218
/year
🏥
Health
$520
/month
💰
Life
$22
/month
🏢
Renters
$13
/month
Home Insurance in Carroll, IA
The average cost of homeowners insurance in Carroll, Iowa is $1,653 per year in 2026. This compares to the state average of $1,900 per year.
$1,653per year (avg in Carroll)
$1044IA avg: $1,900$2349
Factors Affecting Home Insurance in Carroll
🏠
Home Value Average: $195,000
🌪
Weather Risk high
🌊
Flood Zone 8% of properties
📈
Cost Index 0.87 (100 = national avg)
🌪️
Tornado Alley: Carroll is located in tornado-prone territory. Make sure your policy covers windstorm and tornado damage adequately.
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$156,000
$78,000
$100,000
$1,239
Standard (HO-3)
$195,000
$97,500
$300,000
$1,653
Premium (HO-5)
$243,750
$146,250
$500,000
$2,231
Auto Insurance in Carroll, IA
The average annual cost of auto insurance in Carroll is $1,218, compared to the Iowa state average of $1,400.
$1,218per year (avg in Carroll)
$783IA avg: $1,400$1740
📋
Minimum Coverage in Iowa: 20/40/15
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$669
Full Coverage
100/300/100
$500 deductible
$500 deductible
$1,218
Premium
250/500/250
$250 deductible
$250 deductible
$1,583
Health Insurance in Carroll, IA
The average monthly health insurance premium in Carroll is $520 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$520per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$374
$7,000
$9,100
Healthy, low usage
Silver
$520
$4,500
$9,100
Moderate usage
Gold
$650
$1,650
$8,700
Regular medical needs
Platinum
$780
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Carroll
💰 Life Insurance
$22
per month (20-year term, $500K)
Life insurance rates in Iowa are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $22/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$13
per month (avg in Carroll)
Renters insurance in Carroll covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Carroll
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Carroll, IA is $1,653 per year for a standard HO-3 policy. Rates range from $1,044 to $2,349 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Carroll is $1,218 per year for full coverage. Liability-only coverage averages around $548 per year. Iowa requires minimum coverage of 20/40/15.
Insurance costs in Carroll are below the national average (cost index: 0.87). Home insurance averages $1,653/yr and auto insurance $1,218/yr. Relatively moderate costs reflect the area's manageable risk profile.
Key factors include: local cost of living (index: 0.87), tornado risk, average home values ($195,000), your personal claims history, credit score, and at-fault insurance laws in Iowa.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. Carroll residents can potentially save $574+ per year.
Iowa requires minimum auto liability coverage of 20/40/15 (bodily injury per person / per accident / property damage in thousands). This is the legal minimum, but most experts recommend higher limits for adequate protection.
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