Cheapest Car Insurance in Iowa for 2022


Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.

Best Cities for Cheap Car Insurance in Iowa

 

City Premium Percent Increase
Ames $466 0.0%
Mason City $475 2.0%
Coralville $477 2.4%
Iowa City $477 2.5%
Marshalltown $480 3.1%
Newton $484 4.0%
Muscatine $488 4.8%
Ottumwa $493 5.8%
Boone $496 6.6%
Burlington $503 8.1%
Fort Dodge $508 9.0%
Indianola $509 9.2%
Waukee $510 9.5%
Cedar Falls $514 10.4%
Waterloo $521 11.8%
Ankeny $523 12.2%
Johnston $525 12.8%
Altoona $535 14.8%
Cedar Rapids $539 15.8%
Marion $541 16.1%
Dubuque $543 16.7%
Clinton $547 17.5%
Clive $549 17.8%
West Des Moines $555 19.2%
Urbandale $577 23.9%
Bettendorf $600 28.8%
Davenport $604 29.6%
Sioux City $615 32.0%
Des Moines $623 33.8%
Council Bluffs $644 38.3%

 

Factors That Affect Car Insurance Premiums in Iowa

 

Although fledged drivers pay less for cable car indemnity than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.

Cheapest Car Insurance in Iowa

5 Tips for How to Get Cheap Car Insurance in Iowa

 

1. Compare quotes from both national and regional insurers

Don’t forget to include local insurance companies in your search for cheap car insurance. In Iowa, regional insurers like Shelter, Auto-Owners Insurance, and Farm Bureau Mutual might have lower rates than national companies like Allstate, Geico, and Travelers, plus comparable customer satisfaction ratings.
 

2. Know the factors affecting insurance in Iowa

Everyone knows that your driving habits and
 

3. Maintain coverage

You’ll see higher rates if you let your insurance lapse, even
 

4. Choose the coverage that is right for you

You need
 

5. Search for discounts

Top car insurance companies in Iowa have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
 

Methodology

 

In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.

Category All Profile Characteristics Good Driver Profile
Gender Male, Female Male
Age 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 45
Marital Status Single, Married Single
Teenage Driver Included on Policy No, Yes No
Driving Record Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident Clean
Miles Driven Per Year 7,500 Miles, 15,000 Miles, 20,000 Miles 15,000 Miles
Coverage Level Minimum, Standard, Full Minimum
Discounts None, Multi-Policy, Homeowner, Student None
Credit Level Poor, Good Good
Filings None, SR22, FR44 None
Car Sedan, Minivan, SUV, Coupe, Truck Sedan
  • Minimum Coverage: Coverage requirements of $20,000 in bodily injury liability per person, $40,000 in bodily injury liability per accident, and $15,000 in property damage liability, as required by Iowa’s minimum coverage requirements.
  • Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage and 50k/100k/25k of uninsured motorist coverage.
  • Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, and collision and comprehensive coverage with a $500 deductible.
  • Sedan: 2018 Toyota Camry.
  • Minivan: 2018 Dodge Grand Caravan.
  • SUV: 2018 Toyota RAV4.
  • Coupe: 2018 Ford Mustang.
  • Truck: 2018 Ford F-150.

Where driver profiles are not specified, WalletHub averaged Iowa insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
WalletHub ’ s analysis of cheap cable car policy companies in Iowa is based on data from the Iowa DMV and Quadrant Information Services. together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest car indemnity companies for Iowa drivers in a collection of key categories. For each profile, WalletHub compared quotes among top Iowa cable car insurance companies by averaging premiums from 31 zip code codes that represent at least 20 % of Iowa ‘s population. Military-specific companies like USAA were merely considered for the military-specific category, due to their eligibility restrictions. In some cases, they may still be the best option overall for eligible drivers.In the table below, you can see all of the profile characteristics that were used in WalletHub ’ south analysis, in addition to the specific subset of characteristics that make up our dear Driver profile.Below are extra details regarding the terminology and specific characteristics of the variables in the above table : Where driver profiles are not specified, WalletHub averaged Iowa indemnity quotes across 40 different driver profiles, using the above variables. Quote data is from Quadrant Information Services and is example only. individual rates will be different.

Don ’ deoxythymidine monophosphate forget to include local insurance companies in your search for bum car indemnity. In Iowa, regional insurers like Shelter, Auto-Owners Insurance, and Farm Bureau Mutual might have lower rates than national companies like Allstate, Geico, and Travelers, plus comparable customer satisfaction ratings.Everyone knows that your driving habits and claims history affect how much you pay for car insurance. But in Iowa, companies can besides consider your historic period, sex, credit history, marital status, and more when setting premiums. The car you drive, your annual mileage, and even some factors beyond your control all impact the price of insurance.You ’ ll see higher rates if you let your policy backsliding, even if you don ’ thyroxine own a car. Iowa drivers who don ’ t maintain continuous coverage pay an average of 9 % more than those with five or more years of indemnity history.You need indebtedness policy to pay for the early driver ’ randomness damages if you ’ re at blame in an accident in Iowa. Collision and comprehensive coverage, on the other hand, are optional and may be unnecessary if you own an older car. Usage-based policy might be a better fit than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, excessively. Don ’ metric ton scant on the coverage you need, but do make inform choices. That way, you won ’ t end up paying for more car indemnity than you need.Top car insurance companies in Iowa have a variety of discounts, thus about anyone can find ways to save. You may be able to get a discount if you ’ re a student, veteran, adept driver, homeowner, will to go paperless, and more.

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