Car insurance companies charge more to insure drivers who are at a higher risk of filing a claim. The most common red flags for insurers are serious driving violations like reckless driving or a DUI, multiple tickets or accidents and even bad credit.
The average rate for high-risk car insurance in Iowa is $1,187. High-risk drivers in Iowa can expect to pay between $1,790 and $2,459 for car insurance depending on the reason for the rate increase.
The cheapest insurance in Iowa for high-risk drivers is, on average, State Farm, however, it will vary based on your exact situation.
If you’re a high-risk driver, finding cheap car insurance in Iowa will be more of a challenge. We’ve compared auto insurance rates for high-risk drivers from top companies to help you save.
Key takeaways
- The average cost of high-risk car insurance in Iowa is $1,187, but it varies depending on what’s on your record.
- The average car insurance rate for a driver with a DUI in Iowa is $958, while a driver with a reckless driving conviction pays $958 on average.
- Bad credit can also land you in the high-risk category, with an average rate of $1,262 in Iowa.
Cheapest car insurance for high-risk drivers in Iowa
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Iowa is State Farm, followed by USAA and Nationwide.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| State Farm | $1,187 | $99 |
| USAA | $1,784 | $149 |
| Nationwide | $1,798 | $150 |
| Geico | $1,800 | $150 |
| Travelers | $1,816 | $151 |
| American Family | $2,029 | $169 |
| Allstate | $2,361 | $197 |
| Farmers | $2,368 | $197 |
| Auto-Owners | $2,586 | $215 |
| Progressive | $2,950 | $246 |
Average rates for high-risk drivers in Iowa by driving record
Average cost of car insurance in Iowa for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Iowa for a driver with a DUI is State Farm with an average annual of $958 a year.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| State Farm | $958 | $80 |
| Travelers | $1,635 | $136 |
| USAA | $1,696 | $141 |
| American Family | $1,727 | $144 |
| Geico | $1,814 | $151 |
| Nationwide | $1,831 | $153 |
| Farmers | $1,929 | $161 |
| Progressive | $2,086 | $174 |
| Allstate | $2,088 | $174 |
| Auto-Owners | $2,139 | $178 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Iowa, the cheapest car insurance with multiple tickets is from State Farm. It offers full coverage insurance at $958 per year or $80 monthly.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| State Farm | $958 | $80 |
| Nationwide | $1,349 | $112 |
| USAA | $1,533 | $128 |
| Travelers | $1,675 | $140 |
| Geico | $1,749 | $146 |
| Allstate | $1,826 | $152 |
| American Family | $1,874 | $156 |
| Auto-Owners | $2,139 | $178 |
| Farmers | $2,232 | $186 |
| Progressive | $2,808 | $234 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Iowa, State Farm offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $958 a year.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| State Farm | $958 | $80 |
| USAA | $1,442 | $120 |
| Geico | $1,571 | $131 |
| Travelers | $1,635 | $136 |
| Nationwide | $1,831 | $153 |
| Allstate | $2,088 | $174 |
| Auto-Owners | $2,139 | $178 |
| American Family | $2,176 | $181 |
| Farmers | $2,214 | $184 |
| Progressive | $2,630 | $219 |
Cheapest car insurance with bad credit
Although it’s not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Iowa is Nationwide with an average annual cost of $1,262 or $105 per month.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| Nationwide | $1,262 | $105 |
| Geico | $1,576 | $131 |
| Travelers | $1,716 | $143 |
| USAA | $1,735 | $145 |
| American Family | $2,120 | $177 |
| Farmers | $2,140 | $178 |
| State Farm | $2,269 | $189 |
| Allstate | $2,379 | $198 |
| Auto-Owners | $3,075 | $256 |
| Progressive | $3,287 | $274 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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