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
Data updated in 2024
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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.

Average annual car insurance rate for At-fault bodily injury accident in Iowa, IA is $1,737
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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
Data updated in 2024
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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
Data updated in 2024
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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
Data updated in 2024
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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
Data updated in 2024
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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 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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