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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
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.
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.

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

No Violation - Avg. Monthly Rate
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.
After DUI - Avg. Monthly Rate
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.
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
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.
Most Expensive State for DUI (1-50)
$26547th

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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

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

  • Why is car insurance so expensive in Iowa?

    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.

  • Do car insurance rates vary by county in Iowa?

    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.

  • Which providers have the best auto insurance ratings in Iowa?

    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.

  • How much do annual auto insurance rates increase in Iowa?

    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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
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Methodology

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Jeanette Wisniewski
Jeanette WisniewskiInsurance Writer

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.