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Cheap Auto Insurance in Iowa: Best Companies & Quotes
When it comes to auto insurance in Iowa, you’re not paying the least expensive rates in the country. The average rate for a driver in Iowa is around $88 per month, and prices differ as much as $235 a year from least to greatest. It’s not a terrible price for a driver, but it’s also not something you must pay if you’re unwilling to settle on an amount that doesn’t work well with your budget. Many factors affect what you pay for insurance each year for your automobile, but not all of them are set in stone.
Best Car Insurance Companies in Iowa
- American Family
- State Farm
|American Family||Geico||Allstate||Nationwide||State Farm||Progressive|
|AM Best Financial Strength Rating||A||A++||A+||A++||A++||A+|
|JD Power 2019 Overall Customer Satisfaction score||4/5||3/5||3/5||3/5||3/5||3/5|
|Avg Annual Premium||$325||$522||$561||$439||$299||$315|
|Consumer Reports Reader Score||76||78||72||N/A||78||75|
Auto Insurance Statistics in Iowa
According to NAIC.org, the auto insurance premiums in Iowa seem to be stabilized at an affordable level. This means that drivers in Iowa can expect to pay fairly competitive premiums.
Top 10 Cheapest Car Insurance Companies in Iowa
|Rank||Company Name||Avg. Annual Premium|
|1||Farm Bureau Mutual (IA Group)||$836|
|10||IMT Insurance Company||$1,254|
Drunk Driving Fatalities
As motorists shop for vehicle insurance, it is important to consider the risk level of driving in the local areas. By reviewing reported drunk driving fatalities in the state of Iowa, you can get a better idea as to how likely this type of accident is to occur. The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in Iowa vs. nationwide.
Drunk driving fatalities in Iowa from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in Iowa has been fairly close to the national average and is only slightly lower than the rate of teen drinking and driving across the country. The below statistics represent the percentage of Iowa drivers that are teenagers who are drinking and driving when compared with national averages.
Teen Drinking & Driving in Iowa vs. Nationwide (2017)
SR-22 Insurance in Iowa
If you live in Iowa and you receive a DUI or a commit a driving infraction, the state might decide to ban you from driving until you can purchase SR-22 insurance. This insurance is a policy that will provide direct evidence to the local DMV that you have coverage — it also means the insurance provider will notify local authorities if you cancel the policy.
In Iowa, most drivers will need to have an SR-22 for two years after the offence is committed. This being said, this timeframe is not set in stone — the courts can choose to extend the period if they believe you need more control over your insurance coverage. Make sure never to drive a vehicle without the right amount of SR-22 coverage.
Car Theft in Iowa
Car theft in Iowa is significantly lower than the reported national averages. However, there are some car thefts which do occur which makes comprehensive auto insurance a strong consideration for Iowa drivers. The below data shows how Iowa ranks against other states nationwide in the number of car thefts.
Vehicle thefts by rank nationwide vs. Iowa
Uninsured Motorists in Iowa
It is recommended to consider having uninsured and underinsured motorist coverage when driving in the state of Iowa. When you get into an accident with a driver who is uninsured, you will have to pay out of pocket costs for car repairs if you don’t have this type of coverage in place.
The below data shows how well Iowa ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
Insurance in Iowa
Progressive, Hastings, Partner Mutual, Farm Bureau Mutual, and State Farm are the most affordable companies to work with for most people who reside in Iowa. This may or may not be true for you, but it does help you understand where to look when it comes to finding the best possible price for your insurance premium. Other factors include the following:
- The kind of car you drive
- Your credit
- Your driving history
- Where you live
If you have an older car, it’s more expensive to repair if anything happens to it. Sometimes it’s impossible if the vehicle is no longer made. It’s also more affordable to insure a vehicle that’s larger because it’s typically considered safer. If you have a larger engine, such as a V8, it’s going to be more expensive to purchase a policy. Your credit score is also a large factor. Iowa insurance companies need to know how financially capable you are of paying your bills and how you might behave as a customer. This is how they determine your rates in addition to checking your driving record.
It’s pretty self-explanatory that if you’re not a safe driver, you’re not going to get the best rates for insurance. Where you live is also important. Living in an area with a high crime rate or one with a low economic status typically means your car is at a greater risk for accidents and theft. Your insurance company will raise your rates because of this, and because many of the people who reside in the same areas are less likely to carry insurance policies of their own.
How To Lower Rates
If you really want to pay less, you’re going to need to learn how to lower your rates by asking. The first step is to call your current insurance company. Let them know you’re in the market for a lower rate and ask them what they can do for you to help you achieve that. This is a lovely option for anyone who has been with the same insurance company for many years without missing a payment, without making a claim, and without making changes to their policy. You become a valued customer when you do this, which is why these companies are more willing to work with you to lower your premium.
You can also check to see if any of the professional organizations you are a member of have any discounted offers for insurance. AAA is a good example of an organization that might allow you to receive an insurance discount when you get a AAA insurance quote. If you move your other insurance policies to the same company, you can get a discount for bundling home, life, and car insurance.
There’s another simple way to lower the cost of your premiums. You can save money by paying your premium in full at the beginning of the year rather than monthly. This allows you to avoid paying the hidden fee each month, which is around $5 – $10 depending on your policy. Many of the best car insurance companies offer you the chance to save money if you pay upfront by offering you a small discount of around 5%.
You aren’t required to pay the most expensive rates for car insurance, but you don’t have the power to change it all. You can change your age or gender, but you can change other factors that do affect your score more than others to make your policy more affordable.
Types of Auto Insurance Coverage in Iowa:
- Comprehensive Insurance Coverage
- Bodily Injury Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Property Damage Liability Insurance
Minimum Requirements For Car Insurance in Iowa
There are minimum requirements for car insurance in the state of Iowa. According to the Motor Vehicle Division in Iowa, it is mandatory to have at least liability coverage for every registered driver who is operating a vehicle in the state of Iowa.
Liability Coverage minimums for the state of Iowa:
- $15,000 for property damage
- $20,000 per single bodily injury or death
- $40,000 per multiple bodily injury or deaths
Source: Motor Vehicle Division (MVD)
Cheap Auto Insurance Discounts
Discounts will reduce the amount that you have to pay each month. At CheapAutoInsurance.co, we want to help you save the maximum amount on your rates by helping you find discount car insurance offers you qualify for. That is why we have listed the most common car insurance discounts available. Browse the list below to see if any of the discounts apply to you for even more savings.
- Anti-theft discount
- Mature driver discount
- Military or Veteran discount
- Bundling insurance policies discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
Acquiring auto insurance in Iowa is important and you need to legally drive in the state. There are a few things that you’re required to have to get insurance and you may have to do some shopping around. Take a look at answers we’ve provided on getting insurance in Iowa.
Where can I get auto insurance in Muscatine Iowa?
You can get auto insurance from several providers in the Muscatine, Iowa area. Some of the most common providers are the Nelson Brothers Agency, American Family Insurance, State Farm, and Progressive.
When you get Iowa car insurance, who can drive your car?
When it comes to Iowa car insurance, a person can drive a car if they are licensed and have received permission from the owner of the vehicle. Specifics are based on your current insurance provider.
When was car insurance mandated in Iowa?
Car insurance started to become mandatory in 1927 in Massachusetts. It wasn’t until the 1970s when most states made it mandatory by law. New Hampshire is the only state that lets drivers drive uninsured.
What is required for full coverage auto insurance in Iowa?
While there is no coverage that is specifically called “full coverage,” most consider full coverage to be a policy that covers state-required liability insurance coverage along with bodily injury and property damages that you cause.
Does my sr22 insurance cover other people who drive my car in Iowa?
The rule for SR22 coverage differs from state to state. While your SR22 coverage can be used to cover yourself when driving an unowned vehicle, there is no guarantee that your SR22 coverage extends to another person driving your car. In the meantime since this is such an expensive insurance type you may want to comparison shop to bring the rate down some. For example, when I search for the cheapest sr22 insurance near me I can see there are several local and national carriers I could compare quotes with.
What car insurance do I need in Iowa?
You have several coverage options to choose from in Iowa. At a minimum though, you need proof of liability insurance in the state of Iowa that meets per person and per accident bodily coverage and property damage requirements.
When buying a used car in Iowa do you have to have insurance from the dealership?
While some dealerships may strongly encourage you to get insurance before driving away, you don’t have to get insurance from the dealership. Once you’ve purchased a vehicle, you have 30 days to register it with the Iowa Department of Transportation. This gives you time to shop around for cheap car insurance online.
How to get car insurance in Iowa city?
In order to get car insurance in Iowa City, you need to reach out to an insurance agency and register with them. You will then receive your insurance registration from the provider.
How does Iowa car insurance work?
Car insurance covers the expenses you may incur during an accident. These expenses could cover the cost of another person’s repairs if you’re at fault, or your own injuries or repairs, based on the type of coverage you have. Related: What auto insurance deductible should I choose?
What is the difference between stacked and unstacked car insurance in Iowa?
Stacked coverage gives you higher coverage after an accident caused by someone who is either uninsured or underinsured. Without stacking, the limits to your coverage could be capped based on your state.
What do I need to get car insurance in Iowa?
Some of the paperwork you may need for a vehicle includes your driver’s license, social security number, vehicle information, and any bank documents. Make sure to do your research and find out what a specific insurance provider may need from you.
How to check if someone has car insurance in Iowa?
If you have the license plate number and a valid reason, such as you being in a hit and run, then the DMV can provide you with the insurance information of the vehicle owner.
What is the most common auto insurance coverage in Iowa?
The minimum amount of insurance required, proof of liability of insurance, is the most common type of coverage found in Iowa. This coverage includes the minimum limits for per person, per accident, and property damage. Take a look at our car insurance comparison chart to get a clear picture of all this.
How does Iowa no-fault auto insurance work?
No-fault means that a driver must use their own personal injury protection coverage to pay for medical bills and other losses. Iowa is not a no-fault car insurance state though, which means this rule does not apply.
How long do I have to transfer insurance to a new car Iowa?
Any policy that extends coverage to a new vehicle gives you between seven to 30 days to let your car insurance company know that you have a new car. The amount of time you have is based on your insurance provider. There are also temporary auto insurance companies you may want to consider that could give you 7 day car insurance coverage.
Is car inspection required when I switch car insurance to state of Iowa?
A car inspection is not required when you switch insurance to Iowa. You will have to make sure your vehicle passes emissions and provide accurate information when getting insurance for your vehicle.
What is bodily injury on an Iowa auto insurance card?
Bodily injury is the coverage that pays for injuries caused to another driver when you are at-fault in an accident. The minimum requirement for bodily injury liability coverage is $20,000 for the owner of the vehicle.
Full coverage auto insurance in Iowa includes what?
Full coverage includes comprehensive coverage, which covers vandalism, fire, theft, and much more. Full coverage also includes collision coverage, which gives you broad protection over accidents.
How long can a child stay on parents’ car insurance Iowa?
There is no specific age when a child is no longer allowed to stay on their parent’s car insurance. A child can stay on the insurance as long as they are living in their parent’s home.
What is the recommended car insurance coverage amounts in Iowa?
It’s recommended to have a limit of at least $100,000/$300,000 for insurance coverage. You should at least have enough liability coverage to protect your assets in case of you having an accident that causes extensive damage to your vehicle. If you are in the armed services look for the best car insurance for military veterans.
How do I buy car insurance as an 18-year-old in Iowa?
An 18-year-old can purchase car insurance in Iowa from any number of insurance providers in the area. It is advised to shop around for affordable rates because rates for young and inexperienced drivers are relatively high. Also take a look at the cheapest cars to insure for teens.
When did the last change occur in the liability car insurance coverage for Iowa?
All the changes that have occurred within Iowa, in terms of liability car insurance, is based on the state’s Motor Vehicle Financial and Safety Responsibility Act. The latest version of this Act was made in 2014. If you’re shopping for liability only enter a zip code above.
What could happen if I got a lapse in auto insurance before license reinstatement in Iowa?
If you are found with a lapse in auto insurance before your license is reinstated, you could be charged with a high penalty, and have your registration, license, or even both revoked. However some people have asked us if there is car insurance with no license and there are some options.
If I drive without auto insurance in Iowa what will my fine be?
The fine for driving without auto insurance in Iowa is $250 at a minimum, but the fine can be waived if a person does community service and they were not involved in an accident. If you are driving an old collector car and you’re not driving it very much then you may want to consider antique auto insurance which could save you a lot of money.
In Iowa, what are your minimum car insurance requirements for coverage?
The minimum insurance requirements for an Iowa driver is $20,000 bodily injury per person per accident; $40,000 bodily injury for all persons per accident, and $20,000/$40,000 uninsured/underinsured for motorist accidents.
What is the fine in Iowa for not having auto insurance?
There are several fees for not having auto insurance. Once you’ve got insurance, you must pay a $250 violation fee, $15 administration fee, $200 civil penalty, and a $20 fee to renew your license. This doesn’t include the required tests.
How to transfer insurance from Nevada to Iowa?
Because states have different laws and requirements you usually have to get a completely different policy when you move to a new state. This may be espcially true if you have specialized insurance such as a Nevada sr22 policy.
Do you have to have full coverage insurance when financing a motorcycle?
Yes, financing companies usually require full coverage for the vehicle that’s financed. In order to find the cheapest motorcycle insurance even for full coverage you’ll need to take a look at what several different companies offer in terms of rates.
Auto Accidents in Iowa
Even the most careful drivers may find themselves in an auto accident. Whether it is your fault or the fault of the other driver, it’s important to know what to do and the consequences that come with getting into an accident. Below are answers we provide about auto accidents.
Who is responsible in Iowa for driving car in accident if driver doesn’t have insurance?
The person who is at fault is still determined by the accident. If you have a car accident without insurance, whether you’re at fault or not, you can still be punished by having your license suspended.
In Iowa, when in a car accident, whose insurance pays to repair your car?
The insurance that pays for the repair of the vehicle is based on the driver who is at fault. An at-fault driver’s insurance pays for repairs, but only up to the limit of their coverage.
What happens if you do not call auto insurance company in Iowa after accident?
If you don’t report an accident to your insurance provider, you may be charged with fleeing a scene. If you do exchange information and don’t report the accident, your insurance company may refuse to cover damages you discover.
Iowa how long to make auto insurance claim?
The time limit for filing a claim depends on the insurance provider. In Iowa, an injured person has two years to file a claim for personal injury and five years for any property damage.
How to file a claim against auto insurance Iowa?
You can file a claim by contacting your car insurance company. You will need your full name, policy number, start and end of your policy, date and time of the incident, and the information of all people involved in the accident.
Where do I send a check for Iowa Geico auto insurance payments?
You can mail the check or money order to Geico at the following address: Geico Insurance, Remittance Center, One GEICO Plaza, Bethesda, MD 20810-0001. If you received a cancellation notice, make sure to mail the payment using the pink return envelope.
In Iowa, how long to report car accident to insurance?
If an accident results in property damage over $1,500 or bodily injury, the Iowa Department of Transportation says drivers must file a report within 72 hours of the accident.
In Iowa, what if you don't fix the car after insurance, who pays your claim?
If you don’t own your vehicle, then most likely the money will go to the repair shop when you receive your insurance payout. If you do own your vehicle, you can do whatever you like with the insurance payout you receive.
Getting the Best Rates
The rates for auto insurance vary wildly based on a long list of factors, such as the age of the driver and the type of vehicle they’re driving. In order to get the best rates, there is a lot you can do, such as shop around and have a clean driving record. Check out the answers we’ve provided on insurance rates in Iowa.
How much is car insurance in Iowa?
On average, the cost of insurance in Iowa is $599.00 a year. The price varies base on several factors, such as your vehicle, driving record, limits, and the claims that have been filed in your neighborhood. Related: How much does it cost to add a driver to car insurance?
How to get cheap car insurance in Iowa?
In order to get cheap car insurance, shop around and compare car insurance quotes, choose a safe vehicle, and have a clean driving record. Taking defense driving courses can lead to a large discount based on the insurance provider.
What is the average cost of car insurance for 23-year-old male who is a new driver in Iowa?
Based on age, the average cost of car insurance for a 23-year-old is $732 when it comes to the minimum. The cost for 50/100/50 coverage is around $834. The cost for 100/300/100 is around $2,116. To see the average auto insurance cost per month as well just navigate to our full review.
How much is average cost of car insurance for a 16-year-old girl in Iowa?
Because of the fact, young drivers don’t have as much experience, the average cost for car insurance for a 16-year-old girl is around $2,593 a year. The price varies based on several different factors. While teen drivers insurance can certainly be higher its not impossible to find cheaper rates.
How much is average comprehensive car insurance in Iowa?
The average cost for comprehensive car insurance alone is $183.53. The total cost, including collision insurance, is usually $599.03, but prices vary based on provider, vehicle, location, the driver, and their record.
How much is full coverage auto insurance in Iowa?
The total cost for full coverage auto insurance in Iowa depends on the provider, the driver, and the vehicle they are using. In most cases, the cost of coverage ranges anywhere from to $98 a month to $151 a month. We help you find the best full coverage auto insurance quotes.
Who has the best auto insurance rates in Iowa?
Some of the best rates for auto insurance in Iowa come from Progressive, Hastings, and Partners Mutual. Other companies that offer comparable rates include Farm Bureau Mutual and State Farm. You can easily locate local car insurance agents for these companies with a simple search.
What is the best auto insurance company in Iowa?
Iowa offers one of the lowest rates for coverage in the United States. In terms of being the best, Nationwide is considered a favorite for those seeking auto insurance. Progressive and State Farm are also comparable. Ask them about getting auto insurance with no deposit.
How much is car insurance for a 20-year-old female in Iowa?
A female, at the age of 20, has an average premium for car insurance of $1,819. The price may differ based on your location, vehicle, and the current driving record of the owner of the vehicle.
What is the cheapest car insurance in Iowa when you have kids?
If you are a driver with a family, then State Farm offers the cheapest car insurance rate for people who have teenagers. The rate for drivers who have children is estimated at $97 a month.
What is the least expensive car insurance an 81-year-old man can get in Iowa?
When it comes to senior car insurance, GEICO offers the lowest rate at an average premium of $493. The company that has the second lowest average premium is Progressive, which is around $618.
How much is insurance in Iowa for a sports car?
Auto insurance for vehicles ranges greatly based on the provider and the age of the driver. Sports cars are the most expensive vehicles to insure because of their high costs and how expensive they are to repair. Related: Can you insure a salvage title?
Who has the cheapest car insurance in Iowa?
Quite a few companies offer auto insurance at a low rate. Some of the cheapest auto insurance that is found in Iowa is offered from Farm Bureau Mutual, GEICO, and State Farm.
How much is the rate in car insurance for 2018 in Iowa?
Car insurance rates range greatly based on the insurance provider and the insured. The state average for Iowa car insurance is $1,147, but the lowest rates can be anywhere from $715 to $950 for several providers. See what state has the cheapest car insurance.
Why are auto insurance rates going up in Iowa?
There can be various factors that determine the increase in insurance rates. Some of the reasons for insurance rates going up include the number of costly car accidents increasing over time and the decrease in profit margins insurance companies receive.