The Zebra’s experts have conducted in-depth analyses of Iowa car insurance rates by rating factor to help you find an affordable policy. You can quickly and easily learn more about these rating factors while getting quotes from leading insurers using our free calculator. Furthermore, our experts have broken down how each factor impacts the average Iowa car insurance rate so that you can easily compare prices and select an optimal coverage level that meets your needs.
Iowa law mandates drivers carry at least a minimum liability car insurance policy to protect themselves against bodily injury and property damage claims that arise due to accidents that are predominantly their responsibility. While liability car insurance will suffice in these situations, many drivers elect for full coverage car insurance as an extra layer of financial protection from uninsured motorists and other risks. State Farm offers the lowest average premium rates at $54 monthly; American National and Auto-Owners also provide full coverage options in Iowa with rates starting around this average figure; to reduce rates further or opt out altogether!
Your driving record can have a dramatic effect on the cost of car insurance premiums in Iowa, which has more traffic violations than most states. But having a clean record and shopping around for better rates could save you money! Speeding tickets and DUI convictions typically raise premiums 19 percent on average while DUI convictions could cause that figure to skyrocket by as much as 87%!
Lowering your rates can also include decreasing mileage, bundling auto and home insurance policies together, selecting the appropriate vehicle and shopping around for quotes from multiple insurers to find the cheapest insurance rates in Iowa and elsewhere. Comparison shopping can also help – doing this regularly increases your odds of finding affordable auto coverage rates in your area.
Young drivers tend to be expensive to insure, so one way you could save is adding them onto your parent’s policy as long as they live with you. Once they move out on their own, you can switch them over. Roadside assistance coverage could also come in handy in Iowa’s rural areas where motorists might become stranded without it; especially important when considering roadside breakdown or accident scenarios when considering your monthly or yearly car insurance expenses.