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Cheap DUI Car Insurance in Iowa (With Quotes)

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Jeanette Wisniewski

By: Jeanette Wisniewski

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Best DUI Insurance Companies in Iowa (2022)

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.

CarrierAvg. Monthly Cost
Liberty Mutual$113
Travelers$115
American Family Insurance$123
Dairyland Insurance$147
Metropolitan Property and Casualty Insurance Company$171
Safeco Insurance$183
The General$207

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.

Avg. Monthly Cost - No Violation
$150
Avg. Monthly Cost - After DUI
$265
$115 ▴
76.67% ▴
Monthly Impact of DUI on Rates
Percent Bad DUI Impact Rates

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.

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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.

No Violation - Avg. Monthly Rate After DUI - Avg. Monthly Rate Average Percent Increase After DUI
$150$26576.67%

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.

Iowa After DUI Avg. Monthly Rate Most Expensive State for DUI (1-50)
$26547th

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.

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. 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.

Jeanette Wisniewski
Jeanette Wisniewski

Content Writer at Insurify

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.

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