Cheap DUI Car Insurance in Iowa:
Costs and Quotes (2021)
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Best DUI Insurance Companies in Iowa (2021)
For drivers with a DUI or DWI offense 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 after this incident will allow you to get the best possible insurance rate after a DUI.
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 a DUI in Iowa.
| Carrier | |
|---|---|
 Liberty Mutual | $113/mo |
 Travelers | $115/mo |
 American Family Insurance | $123/mo |
 Dairyland Insurance | $147/mo |
 Metropolitan Property and Casualty Insurance Company | $171/mo |
 Safeco Insurance | $183/mo |
 The General | $207/mo |
DUI Car Insurance Costs in Iowa
In Iowa, a DUI or DWI offense will on average have drivers paying $265 per month and $3,180 per year for their car insurance rates.
Compared to drivers with a clean driving record, that is on average an 77% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.
Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.
How Much Does a DUI Impact Car Insurance Rates in Iowa?
Although the $1,250 fine for first-time offenders seems steep, the amount of money you'll spend on car insurance after a DUI in Iowa hurts even more. Car insurance rates increase by more than 76 percent for folks with a DUI on their record.
How does that compare to rates for a person with no DUI? Premiums for clean-record drivers average out to $150 per month. That's $115 less than the DUI driver who now pays $265.
| Average Percent Increase After DUI | ||
|---|---|---|
| $150 | $265 | 76.67% |
What Are the Average Car Insurance Prices After a DUI in Iowa?
When shopping for new insurance after a DUI, it helps to be aware of the average price car insurance companies will expect you to pay. Luckily, Iowa is low in the list of state rankings for the cost of insurance with a DUI. At 47th, drivers can find cheaper insurance after a DUI in only a handful of other states.
Iowa drivers with a DUI pay on average $265.43 per month. Drivers without a DUI on their record pay roughly $115 less. Though the rate you will pay may be close to the above average, it won't be exactly the same. Insurance rates are very personalized. The only way to know what prices are available for you is to explore all the options yourself.
| Most Expensive State for DUI (1-50) | |
|---|---|
| $265 | 47th |
How Long Is the Lookback Period for a DUI in Iowa?
Though you may be paid up in terms of fines and penalties, you're not off the hook yet with a DUI. The state looks back in your driving record at any DUI you have had over a 12-year period. During this "lookback period" any DUI offenses you have (whether misdemeanor or not) count.
If you are able to keep a clean driving record for 12 years, any DUIs that have been on your record for that long will not count if you're sentenced for a subsequent DUI.
Iowa DUI Penalties
Driving while intoxicated in Iowa is penalized according to the number of offenses you have. While a first offense is a misdemeanor in this state, the third time you get caught is a felony. Consequences for DUI drivers include jail time, fines, and license suspension.
While each offense has different consequences, even penalties for a first DUI in Iowa are steep. First-time DUI drivers face 48 hours to a year in jail , probation, a fine of up to $1,250, loss of license for 180 days, and substance abuse evaluation and treatment.
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.
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.
