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:

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:

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:

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: