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Iowa Car Insurance for Bad Credit Drivers

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Doug Shaffer

By: Doug Shaffer

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Cheapest Companies for Drivers With Bad Credit in Iowa (2022)

For drivers with bad credit in Iowa, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Iowa. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Iowa.

Bad Credit Car Insurance in Iowa

It happens to us all; we miss a couple of payments on a credit card or we fall behind on loan. The result can be a hit to your credit score. Having a bad credit score doesn't necessarily mean that you won't be able to get auto insurance, but it could mean a higher monthly premium.

In Iowa, having bad credit can have an impact on your auto insurance rates. However, the significance of that impact can be dependent on several factors. Things such as credit tier, location, and insurance provider can all determine how much you pay each month.

Iowa Car Insurance Rates for Bad Credit Drivers

Excellent
$138
Good
$154
Average
$155
Poor
$168

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in Iowa?

Drivers in Iowa who have bad credit do tend to pay more than their counterparts with good credit. In fact, the impact of a bad credit score can result in a 15 percent increase in monthly premiums.

One way that Iowa drivers with poor credit can lower their average monthly insurance rates from $169 is to shop around for quotes. While they most likely won't be as low as the $147 rate drivers with a good credit score might pay, it will still be more affordable.

Avg. Monthly Cost - for Drivers with Good Credit
$147
Avg. Monthly Cost - for Drivers with Bad Credit
$169
$22 ▴
14.97% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates

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Can I Get Car Insurance With No Credit Check in Iowa?

Typically, it is difficult to get an auto insurance policy without a credit check in Iowa. Iowa insurance providers routinely use credit scores to help determine where to set car insurance rates. Generally, the higher the credit tier, the better average premium rates the driver has access to.

For drivers worried about the price increase that comes with bad credit, there are a couple of options. The main way to find affordable coverage is to shop around for quotes. Multiple insurance companies in Iowa offer competitive rates even if you have a poor credit rating.

Iowa Car Insurance Rates by Credit Tier

As to be expected, drivers who have in the excellent credit tier tend to have the lowest average monthly cost in Iowa. However, there isn't much difference in cost between having a good or average credit score. Motorists with a poor credit score do tend to pay more for coverage, but it is only $13 more a month than those in the average tier.

Credit TierAvg. Monthly Cost
Excellent$138
Good$154
Average$155
Poor$168

Car Insurance Rates With Bad Credit in Iowa Cities

Depending on which Iowa city you live in, your credit rating can play a factor in how much you pay in coverage. For instance, having a poor credit score in Des Moines means you will have an average monthly cost of $144. Conversely, having the same poor rating in Council Bluffs would cause you to pay an average of $198.

CityCredit TierAvg. Monthly Cost
Des MoinesPoor$144
Cedar RapidsPoor$155
DavenportPoor$151
Sioux CityPoor$195
Council BluffsPoor$198

Tips for Researching Bad Credit Iowa Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like Iowa draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Iowa Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Iowa. Insurify analyzed the latest data for the five most populous cities in Iowa to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Iowa and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Doug Shaffer
Doug Shaffer

Content Writer at Insurify

Doug Shaffer is an insurance writer for Insurify. He has had the opportunity to write for several large, national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. Even though he enjoys writing for most product lines, he loves auto insurance the most. During the moments he manages to break away from the keyboard, he can be found spending time with his family.

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