According to insure.com's annual study Iowa ranks 50 out of 51(including the DC) with the lowest average annual rates. The national average is $1510 for a 40 year old male driving to work 12 miles one way with a clean driving record. His liability limits are 100,000 per person bodily injury, 300,000 per accident bodily injury, 100,000 property damage. Iowa ranks 2nd behind Maine with $1028 average. Louisiana is the highest with $2699 average with Michigan in 2nd place with $2520 average . Apparantly our rural landscape isn't such a bad thing.