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 Nationwide and Travelers.

CompanyAvg annual premiumAvg monthly premium
State Farm$1,177$98
Nationwide$1,498$125
Travelers$1,571$131
Geico$1,777$148
American Family$1,830$153
Auto-Owners$1,902$159
Allstate$1,960$163
Farmers$2,007$167
Progressive$2,536$211
USAA$1,400$117
Data updated in 2024
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Average rates for high-risk drivers in Iowa by driving record

Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.

Iowa
State
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington, D.C.West VirginiaWisconsinWyoming
*Please select from the list
At-fault bodily injury accident
Risk Factor
1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentDUI/DWI first offensePoor creditReckless drivingSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over limit
*Please select from the list
Average annual car insurance rate for At-fault bodily injury accident in Iowa, IA is $1,737
Show Graph View
Company nameAverage annual premium
State Farm$1,021
American Family$1,350
Nationwide$1,411
USAA$1,495
Travelers$1,514
Auto-Owners$1,558
Geico$1,898
Farmers$2,035
Allstate$2,184
Progressive$2,910
Average annual rate
Data updated in 2024
Read our full methodology

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.

CompanyAvg annual premiumAvg monthly premium
State Farm$958$80
Travelers$1,591$133
American Family$1,692$141
Nationwide$1,824$152
Geico$1,911$159
Farmers$1,950$163
Progressive$2,086$174
Allstate$2,088$174
Auto-Owners$2,139$178
USAA$1,683$140
Data updated in 2024
Read our full methodology

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.

CompanyAvg annual premiumAvg monthly premium
State Farm$958$80
Auto-Owners$1,352$113
Nationwide$1,363$114
Travelers$1,524$127
American Family$1,692$141
Allstate$1,735$145
Geico$1,816$151
Farmers$1,893$158
Progressive$2,405$200
USAA$1,190$99
Data updated in 2024
Read our full methodology

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.

CompanyAvg annual premiumAvg monthly premium
State Farm$958$80
Travelers$1,591$133
Geico$1,654$138
Nationwide$1,824$152
Allstate$2,088$174
American Family$2,131$178
Auto-Owners$2,139$178
Farmers$2,236$186
Progressive$2,624$219
USAA$1,430$119
Data updated in 2024
Read our full methodology

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 $1,253 or $104 per month.

CompanyAvg annual premiumAvg monthly premium
Nationwide$1,253$104
Geico$1,648$137
Travelers$1,672$139
American Family$2,080$173
Farmers$2,178$182
State Farm$2,269$189
Allstate$2,379$198
Auto-Owners$3,075$256
Progressive$3,292$274
USAA$1,718$143
Data updated in 2024
Read our full 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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