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Iowa Car Insurance for High Risk Drivers (With Quotes)
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| Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Cheapest Insurance Companies for High Risk Drivers in Iowa (2022)
For drivers that are high-risk 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 for drivers that are high-risk.
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 high-risk drivers in Iowa.
| Carrier | Avg. Monthly Cost |
|---|---|
| Travelers | $112 |
| Nationwide | $151 |
| Safeco Insurance | $156 |
| American Family Insurance | $164 |
| Dairyland Insurance | $170 |
| Midvale Home & Auto | $185 |
| Liberty Mutual | $186 |
| The General | $235 |
What Makes a Driver High-Risk in Iowa?
Iowa drivers tend to enjoy fairly low car insurance rates compared to others in the nation, but certain actions on the road may cause that to change for some. A range of situations could place you into the high-risk category, including speeding, causing an accident, failing to stop at a stop sign, and driving on a suspended license.
The good news is that even if you find yourself with these types of infractions on your record, you'll still be able to purchase car insurance. Rates will likely be higher than what you're used to, but with a little bit of planning and some careful price shopping, you'll have plenty of options to consider when it comes time to enroll.
Iowa Car Insurance Rates for High-Risk Drivers
No Violation$143
Speeding Ticket$175
Reckless Driving$186
At-Fault Accident$199
Failure to Stop$199
Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. 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 High-Risk Driving Affect Car Insurance Rates in Iowa?
Car insurance isn't a fixed bill that you can expect to stay the same for the rest of your life. Your rates are calculated using a number of factors, and if you fall into the category of high-risk drivers, it's likely that your premiums will increase for a period of time. Infractions including speeding, reckless driving, and causing an accident will all play a role in this pricing.
Thankfully, drivers in Iowa who are considered high-risk still have a number of options when enrolling in car insurance. It's important to keep in mind that you might be paying an additional $50 per month at the least as a high-risk driver, as the average figures below indicate:
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $143 |
| Speeding Ticket | $175 |
| At-Fault Accident | $199 |
| Reckless Driving | $186 |
| Failure to Stop | $199 |
How Much Does a Speeding Ticket Impact Car Insurance Rates in Iowa?
Not only can a speeding ticket be several hundred dollars, depending on how fast you were driving, but your annual car insurance costs might go up by roughly the same amount. Iowa drivers who commit this violation tend to see the following average increase:
No Violation - Avg. Monthly Rate$143
Speeding ticket - Avg. Monthly Rate$175
$32 ▴
Avg. Monthly Rate Increase
How Does an at-Fault Accident Impact Insurance Rates in Iowa?
A car accident can be a stressful experience, and as if dealing with injuries and car repairs wasn't enough, it's probable that your car insurance rates will increase as well. Drivers in Iowa who are found to be at fault for a collision may pay up to an extra $672 per year for their coverage, as seen below:
No Violation - Avg. Monthly Rate$143
Speeding ticket - Avg. Monthly Rate$199
$56 ▴
Avg. Monthly Rate Increase
How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Iowa?
If you think sneaking through a stop sign when no one seems to be looking is a smart idea, think again. Not only is this action illegal, but it can land you in the high-risk category in Iowa. Drivers with this violation on their record could find their car insurance rates rise to nearly $200 per month:
No Violation - Avg. Monthly Rate$143
Speeding ticket - Avg. Monthly Rate$199
$56 ▴
Avg. Monthly Rate Increase
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Does Driving With a Suspended License Impact Car Insurance Rates in Iowa?
Iowa drivers tend to enjoy fairly low car insurance rates compared to others in the nation, but certain actions on the road may cause that to change for some. A range of situations could place you into the high-risk category, including speeding, causing an accident, failing to stop at a stop sign, and driving on a suspended license.
The good news is that even if you find yourself with these types of infractions on your record, you'll still be able to purchase car insurance. Rates will likely be higher than what you're used to, but with a little bit of planning and some careful price shopping, you'll have plenty of options to consider when it comes time to enroll.
Tips for Researching High-Risk Iowa Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a large and growing state like Iowa draws a wide variety of choices when factoring high-risk driving insurance rates.
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.
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.
Content Writer at Insurify
A former licensed insurance producer, Courtney Levin has been a freelance writer since 2016. She graduated from Sonoma State University with a degree in Communications and has been creating content for Insurify for nearly two years.