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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.

CompanyAvg Annual PremiumAvg 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

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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$1,635$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.

CompanyAvg Annual PremiumAvg 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.

CompanyAvg Annual PremiumAvg 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.

CompanyAvg Annual PremiumAvg 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

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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