A rating area is a multi county region that all issuers in the state must uniformly use as part of their rate setting.

Rating Area 1 Counties: Boone, Calhoun, Carroll, Greene, Grundy, Hamilton, Hardin, Marshall, Poweshiek, Story, Tama, and Webster
Rating Area 2 Counties: Dallas, Jasper, Madison, Marion, Polk, and Warren
Rating Area 3 Counties: Buena Vista, Cherokee, Clay, Crawford, Dickinson, Ida, Lyon, Monona, O'Brien, Osceola, Palo Alto, Plymouth, Pocahontas, Sac, Sioux, and Woodbury
Rating Area 4 Counties: Adair, Adams, Audubon, Cass, Clarke, Decatur, Fremont, Guthrie, Harrison, Mills, Montgomery, Page, Pottawattamie, Ringgold, Shelby, Taylor, and Union
Rating Area 5 Counties: Appanoose, Davis, Des Moines, Henry, Jefferson, Keokuk, Lee, Louisa, Lucas, Mahaska, Monroe, Muscatine, Van Buren, Wapello, Washington, and Wayne
Rating Area 6 Counties: Benton, Black Hawk, Buchanan, Cedar, Clayton, Clinton, Delaware, Dubuque, Iowa, Jackson, Johnson, Jones, Linn, and Scott
Rating Area 7 Counties: Allamakee, Bremer, Butler, Cerro Gordo, Chickasaw, Emmet, Fayette, Floyd, Franklin, Hancock, Howard, Humboldt, Kossuth, Mitchell, Winnebago, Winneshiek, Worth, and Wright