Cheap car insurance in Iowa

Cheap car insurance in Iowa

It is mandatory to get car insurance in Iowa for drivers to drive legally in the state. Different companies in Iowa provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in Iowa:

Name of the Company Average annual car insurance premiums
Farm Bureau Mutual (IA Group) $840
Partners Mutual $1008
Travelers $1015
State Farm $1053
Pekin Insurance $1055
Nationwide $1070
USAA $1100
Hastings Mutual $1165
General Casualty $1244
IMT Insurance Company $1260
MetLife $1290
American Family $1296
Progressive $1346
Western National $1533
Grinnell Mutual $1633
Cameron $1816
GEICO $1819
Farmers $1853
Sentry $2088
Allstate $2096
Victoria $2112
Dairyland $2249
Metropolitan $2370

Cheap car insurance in Iowa for good drivers 

Car insurance companies may charge high car insurance premiums from drivers in Iowa with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Iowa provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Iowa by maintaining a good driving record. Most auto insurance companies in Iowa provide a 5-10% good driver discount to those having a good driving history without violations.

  • Drivers with no traffic ticket may save $188 on car insurance premiums in Iowa.
  •  Drivers may save $570 on car insurance premiums if they have an accident-free record in Iowa.
  •  By maintaining a good credit history you may save $709 on car insurance premiums in Iowa. 

Cheap car insurance for inexperienced drivers in Iowa

Most auto insurance providers may charge high auto insurance premiums in Iowa from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers.  Auto insurance premiums in Iowa vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in Iowa. 

Age   Average annual auto insurance

premiums with parents

Average annual auto insurance

premiums for young drivers alone

16 $4025 $4077
17 $4165 $3578
18 $4230 $3238
19 $3596 $2509

Affordable auto insurance in Iowa for high-risk drivers

Car insurance companies in Iowa charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in Iowa can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in Iowa may get discounts on car insurance policies.

Rating factor Average annual car insurance premium
At-Fault Accident $1586
DUI $1743
Speeding Violation $1203
Bad Credit $1725

Best car insurance companies in Iowa

Car insurance prices in Iowa may vary from company to company. Some companies in Iowa charge lower car insurance premiums than others. To get the best auto insurance policy in Iowa you should check the reputation and services of the insurance companies because finding an affordable car insurance policy is not just enough. You can find the best auto insurance company in Iowa by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Iowa:

  1. Allstate
  2. American Family
  3. EMC
  4. GEICO
  5. Grinnell
  6. Liberty Mutual
  7. MetLife
  8. Nationwide
  9. Progressive
  10. Safeco
  11. State Farm
  12. Travelers
  13. USAA
  14. Victoria
  15. Western National

What auto insurance coverage is mandatory to purchase for drivers in Iowa?

The average annual cost to get the minimum required coverage in Iowa may be around $337.  The minimum required coverage for drivers in Iowa to drive legally in the state is:

Coverage type   Coverage limit    
Bodily injury coverage per person $20000
Bodily injury per accident $40000
Property damage per accident $15000

 The state minimum auto insurance requirements in Iowa

The state minimum auto insurance coverage requirement in Iowa is liability coverage.

  1. $20000 bodily injury coverage per person is required in Iowa.
  2. $40000 bodily injury coverage per accident is required in Iowa.
  3. $15000 property damage coverage per accident is required in Iowa.

Other types of optional coverages in Iowa are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Loan/Lease Payoff
  5. Rental Car Reimbursement
  6. Medical Payments
  7. Uninsured/Underinsured Motorist Bodily Injury

Fine for driving without car insurance in Iowa

If anyone caught driving without a car insurance policy in Iowa then police may charge a fine.

Car insurance prices by cities in Iowa

Car insurance premiums in Iowa may vary from city to city. In some cities of Iowa, car insurance prices are high compared to others.

City      Average annual insurance premiums    
Council Bluffs $1406
Waterloo $1144
Sioux City $1133
Davenport $1109
Dubuque $1107
Des Moines $1093
Fort Dodge $1086
Ottumwa $1076
Cedar Falls $1076
Cedar Rapids $1056
Clinton $1055
Marshalltown $1052
Bettendorf $1045
Marion $1036
Burlington $1033
Muscatine $1002
Mason City $975
Iowa City $972
West Des Moines $965
Clive $960
Urbandale $957
Ames $946
Coralville $945
Johnston $937
Ankeny $936

If you are looking for a car insurance deal in Iowa, you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.

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