Cheap Auto Insurance for Good Drivers in Iowa
Enter your Iowa zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 14, 2019
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It’s hard to avoid all the catchy commercials from auto insurance companies like Liberty Mutual and The General promising huge savings, so you should just pick the one with the catchiest commercial, right?
Unfortunately, it’s just not that easy, as there are a whole bunch of unknown factors like if you own your home, if you have ever let your policy lapse, and the performance level of your vehicle. We will attempt to cover the types of things that cause high car insurance rates and also should give you some help in finding cheaper rates.
Establishing which company has the cheapest car insurance rates for good drivers calls for a bit more effort in order to find a policy that fits your budget.
Each auto insurer has their own unique process to set their prices, so let’s take a look at the car insurance companies with the most affordable rates in Iowa. It’s important that you understand Iowa car insurance rates are impacted by many factors that will increase or decrease your annual premium. Simply turning a year older, having a claim, or getting a couple of tickets can trigger changes in premium resulting in some companies being cheaper than others.
USAA may have some of the lowest car insurance rates in Iowa at around $683 each year. Partners Mutual, Western National, Allied, and Hastings Mutual also make the cut as some of the cheaper Iowa auto insurance companies.
As the rates illustrate above, if you buy coverage from Western National and switched to USAA, you could see a yearly savings of in the vicinity of $94. Customers with Allied could save as much as $96 a year, and Hastings Mutual policyholders might lower prices by up to $215 a year.
To see if you’re overpaying, click here to get quotes or visit any of the companies below.
Enter your zip code below to view companies that have cheap auto insurance rates.
These premium estimates are averages across all types of insureds and vehicles and and are not figured with a price discount for good drivers. So the auto insurance company that has the cheapest price for you may not even be included in the chart above. That point stresses why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.
When shopping for cheaper insurance for safe drivers, one of the many criteria that help set the price you pay for insurance is where your home is located. Regions with more people or even just more weather-related claims like Council Bluffs, Sioux City, and Clinton will most likely pay more, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper auto insurance prices.
The information below illustrates the higher priced cities in Iowa for good drivers in which to purchase auto insurance.
|16||West Des Moines||$1,026|
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Rates are approximated as the specific zip code location can modify premiums significantly.
State Farm, Progressive, Geico, or Allstate: Who is cheapest?
When researching auto insurance for safe drivers in Iowa, four of the best places to start are State Farm, Progressive, Geico, and Allstate. If you combine them together, they insure 48.5% of all policies written. The data below rates ratings for price and service, as well as some optional coverages that are available for customers.
|Amount of market share||18.3%||8.8%||11.4%||10%|
|Rating from A.M. Best||A++||A+||A++||A+|
|Accident forgiveness coverage||No||Yes||Yes||Yes|
|New car replacement insurance||No||No||No||Yes|
|Uber and Lyft insurance||Yes||Yes||Yes||Yes|
|Offered in Iowa||Yes||Yes||Yes||Yes|
|Where to buy||Can only buy from State Farm agents||Buy online or from an independent agent||Can buy online or use a Geico agent||Can only buy from Allstate agents|
|Number of agents||18,000+||30,000+||150+||11,000+|
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