Cheap Car Insurance for Bad Credit Drivers in Iowa:
Costs and Quotes (2021)

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Cheapest Companies for Drivers With Bad Credit in Iowa (2021)

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
Average Monthly Cost
Credit Tier

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 CreditAvg. Monthly Cost - for Drivers with Bad Credit
$22 ▴Monthly Impact of Bad Credit on Rates
14.97% ▴Percent Bad Credit Impact Rates

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 Tier

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 Tier
Des MoinesPoor$144
Cedar RapidsPoor$155
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

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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.

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Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.