How to Find the Best Car Insurance
for High Risk Drivers in Iowa
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- Car Insurance in Iowa
- High-Risk Car Insurance in Iowa
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.
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.
What’s in the Iowa High-Risk Car Insurance Guide?
- What Are the Best Car Insurance Companies for High-Risk Drivers in Iowa?
- How Much Does High-Risk Driving Affect Car Insurance Rates in Iowa?
- How Much Does a Speeding Ticket Impact Car Insurance Rates in Iowa?
- How Does an at-Fault Accident Impact Insurance Rates in Iowa?
- How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Iowa?
- Does Driving With a Suspended License Impact Car Insurance Rates in Iowa?
What Are the Best Car Insurance Companies for High-Risk Drivers in Iowa?
Policies for high-risk drivers tend to be more pricey than you may be used to, but it doesn't mean that you'll be lacking options. Drivers in Iowa who have a history of infractions on the road should do some research before they enroll, as there are some good deals to be found. With any luck, you can expect your monthly rate to look close to one of these options:
| 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 |
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 for Red Light / Stop Sign | $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:
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:
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:
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.
