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Joshua Cox-Steib has two years of experience in writing for insurance domains such as Bankrate, Coverage.com, The Simple Dollar, Reviews.com, and more. His work has also been featured on such sites as MSN and BBB (Better Business Bureau). His insurance writing career has spanned across multiple product lines, with a primary focus on auto insurance, life insurance, and home insurance. Updated Nov 02, 2022 Pay less for auto insurance A better rate is around the corner. See how much you could save in 3 minutes or less. Your information is secure Next Compare quotes from reliable carriers + MORE how it works Caret Down Provide some info to get offers We only ask for info that can impact your rate so we can share accurate and personalized offers. Select your policy Compare and move forward with as many offers as you want from a list of trusted carriers. Settle your rate and policy details Once you've decided on a carrier, wrap up the process online or on the phone with a trusted agent. On This Page
Compare rates and save on auto insurance today! Get quotes Close X The average cost of is $1,260 for a full coverage policy, while the local average for minimum coverage is $252, according to Bankrate's 2021 study of quoted annual premiums. That breaks down to $105 and $21 per month, respectively. Learning the ins and outs of how much car insurance costs in your area can help you to avoid overpaying. With a bit of guidance and research, it may be possible to find that offers similar coverage. See More This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More How much does car insurance cost in Iowa
While location does matter, at both the state and city level, many other variables also factor into the cost of Iowa car insurance rates. Even so, it's helpful to know so you can control for it when considering these other variables. The average cost of full coverage for Iowa drivers is $1,260 per year and $252 per year for minimum coverage. On the other hand, the annual is $1,674 for full coverage auto insurance, showing that average car insurance rates in Iowa are relatively inexpensive when compared to the national average. Beyond location, some of the top variables for impacting Iowa auto insurance rates are age, driving record, insurance score, insurance company and vehicle. Every insurance provider does things differently, but most include these factors in their rate calculations. The logic behind many of these factors is that they can help providers predict how expensive a customer might be to insure. Insurance providers use this data to help them figure out how much money they are likely to pay out in claims for a customer. This estimate is then used to help them determine rates. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Iowa car insurance rates by company
It's useful to know the overall cost averages for your state. Still, a breakdown by company can help to fill the picture in further. Even with all else held equal-the same customer, vehicle, and coverage types and amounts-every company is likely to offer at least a slightly different quote. Below you can see what the average costs for car insurance in Iowa are by insurance provider. Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage $473 $2,135 $405 $1,124 $230 $1,283 Donegal $270 $1,595 $223 $1,253 $190 $1,046 Grinnell Mutual $289 $1,671 Hastings Mutual $221 $858 IMT $207 $1,400 $212 $1,082 Pekin $177 $872 $256 $1,139 $241 $1,041 $208 $1,026 West Bend $191 $888 Western National $165 $1,559 Iowa car insurance rates by city
Average costs can vary significantly between cities within the state. For instance, Council Bluffs has an average that is 23% greater than the state average. In comparison, Ames has an average that is -16% below the state average. This chart compares the top 20 cities by population. City Average annual premium for full coverage % increase from state average annual premium $1,216 -2% Cedar Rapids $1,143 -8% Davenport $1,213 -3% Sioux City $1,332 7% Iowa City $1,065 -15% Waterloo $1,196 -4% Council Bluffs $1,534 23% Dubuque $1,150 -8% Ames $1,048 -16% West Des Moines $1,081 -13% Ankeny $1,071 -14% Urbandale $1,100 -12% Cedar Falls $1,160 -7% Marion $1,122 -10% Bettendorf $1,167 -6% Mason City $1,109 -11% Marshalltown $1,164 -7% Clinton $1,193 -4% Ottumwa $1,182 -6% Burlington $1,166 -7% Iowa car insurance rates by age
Age is one of the more substantial variables when it comes to how insurance companies calculate auto rates. Different age demographics have significantly different chances of experiencing an auto accident, filing a claim, or receiving a ticket. Providers use this information to help them determine rates. As a result, the various age groups tend to have noticeably different average premiums. Age Average annual premium in Iowa $1,537 $3,356 $2,653 $1,551 $1,345 $1,260 $1,149 $1,102 $1,181 *16-year-old calculated on parent's policy disclosure; 18- and 20-year-old are renters Iowa car insurance rates by driving record
Insurers use statistics to help calculate rates, based mainly on how expensive a customer is estimated to be to insure. Driving records have a strong statistical correlation with future performances and incidents, or the lack thereof. Therefore, even one traffic offense can increase your rates by a notable amount. Driving incident Average annual full coverage premium in Iowa % increase of average annual premium $1,531 21% $1,731 37% $2,334 85% How to save on car insurance in Iowa
One of the most recommended ways to is to pursue discounts. Many insurance providers offer a variety of discounts that can help to reduce rates. In general, these discounts will be things that make you a safer, less financially risky driver. The less likely you are to be involved in a traffic violation, the more likely you are (generally) to qualify for discounts. Discounts aren't the only way, though. When trying to find , every bit of savings can help: Discounts: One of the most convenient ways to save on car insurance is to pursue discounts offered by your insurance provider. These discounts can range from safe driving benefits to paperless billings discounts to bundled policies and more. In general, the more discounts you can qualify for, the more money you can save on premiums. Lower coverages: It can be a delicate balance, but one way to lower your premiums is to reduce your coverage limits. First, of course, you have to maintain at least the state minimums. Still, otherwise, it is generally at the customer's discretion. Higher deductibles: Raising your deductible will reduce your rates, but it comes at a risk. A higher deductible means paying more money out of pocket before your insurance policy will help with costs. Credit score: Credit scores have an indirect but notable impact on auto insurance rates. This impact is because insurance providers use credit scores when calculating insurance scores. These values are used to help them determine how expensive a given customer might be to insure. This estimate, in turn, helps inform how much the provider will charge that customer for insurance. Frequently asked questions
Most states require specific minimum amounts of auto insurance for all drivers. , these legal requirements are $20,000 bodily injury liability per person, $40,000 bodily injury liability per accident, and $15,000 property damage liability per accident.
The best car insurance is often different depending on the driver and the circumstances. Policies and rates are individualized enough that each person can have a different experience, even when purchasing the same type of insurance from the same company. Consider comparing providers from .
Generally, no, it will not be. There are some situations, perhaps where it might make sense, however. For instance, if you currently rent in a city and your ZIP code has significantly more expensive rates than another ZIPs code in that city. Suppose you can find a rental that you like in these cheaper ZIP codes, and the rent cost is equivalent or more affordable. In that case, it might be reasonable to consider moving when your lease is up. For the most part, though, the savings gained will rarely offset the costs accrued by moving. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes. Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage. Written by Joshua Cox-Steib Insurance Contributor Joshua Cox-Steib has two years of experience in writing for insurance domains such as Bankrate, Coverage.com, The Simple Dollar, Reviews.com, and more. His work has also been featured on such sites as MSN and BBB (Better Business Bureau). His insurance writing career has spanned across multiple product lines, with a primary focus on auto insurance, life insurance, and home insurance.