Performance level and cost of the vehicle that needs insurance is a significant factor when looking for the cheapest coverage for drivers requiring a SR22. Vehicles with higher performance characteristics, poor safety features, or a high likelihood of having liability claims will cost more to insure than more modest models.
The tables below ranks car insurance rates for the most cost-effective automobiles to buy insurance for.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Ford Focus SE 4-Dr Sedan | $2,616 | $1,308 | $218 |
Ford Fusion S 4-Dr Sedan | $2,644 | $1,322 | $220 |
Honda Accord EX-L 4-Dr Sedan | $2,384 | $1,192 | $199 |
Honda Civic EX-L 2-Dr Coupe | $3,324 | $1,662 | $277 |
Hyundai Sonata GLS 4-Dr Sedan | $2,872 | $1,436 | $239 |
Kia Optima SX | $3,020 | $1,510 | $252 |
Nissan Altima Hybrid 4-Dr Sedan | $2,792 | $1,396 | $233 |
Toyota Camry LE | $2,644 | $1,322 | $220 |
Toyota Corolla LE | $2,764 | $1,382 | $230 |
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Data based on single female driver age 30, two speeding tickets, two at-fault accidents, $1000 deductibles, and Iowa minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Premium costs do not factor in specific location which can lower or raise insurance rates substantially.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Suburban LS 2WD | $2,672 | $1,336 | $223 |
Chevrolet Traverse LTZ 2WD | $2,412 | $1,206 | $201 |
Ford Escape Limited 4WD | $2,384 | $1,192 | $199 |
Ford Explorer XLT 2WD | $2,522 | $1,261 | $210 |
GMC Acadia SL AWD | $2,522 | $1,261 | $210 |
Honda CR-V EX-L 2WD | $2,262 | $1,131 | $189 |
Honda Pilot EX 4WD | $2,550 | $1,275 | $213 |
Hyundai Tucson Limited 2WD | $2,644 | $1,322 | $220 |
Jeep Grand Cherokee Laredo 2WD | $2,644 | $1,322 | $220 |
Jeep Patriot Sport 2WD | $2,494 | $1,247 | $208 |
Subaru Forester XT Limited Edition AWD | $2,560 | $1,280 | $213 |
Toyota 4Runner Limited 2WD | $2,560 | $1,280 | $213 |
Toyota Highlander Hybrid 4WD | $2,820 | $1,410 | $235 |
Toyota RAV4 4WD | $2,644 | $1,322 | $220 |
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Prices based on single female driver age 30, two speeding tickets, two at-fault accidents, $1000 deductibles, and Iowa minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Price estimates do not factor in vehicle location which can raise or lower insurance rates significantly.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Silverado 3500HD LTZ Crew Cab 2WD | $2,848 | $1,424 | $237 |
Chevrolet Silverado LS Regular Cab 4WD | $2,494 | $1,247 | $208 |
Dodge Ram 3500 Crew Cab SLT 2WD | $2,970 | $1,485 | $248 |
Dodge Ram Crew Cab SLT 4WD | $3,048 | $1,524 | $254 |
Ford F-150 Lariat Super Cab 2WD | $2,672 | $1,336 | $223 |
GMC Canyon SLE Ext Cab 2WD | $2,616 | $1,308 | $218 |
GMC Sierra 2500HD SLE Regular Cab 4WD | $2,792 | $1,396 | $233 |
GMC Sierra 3500HD SLT Extended Cab 4WD | $3,380 | $1,690 | $282 |
GMC Sierra Denali Crew Cab 4WD | $2,942 | $1,471 | $245 |
Toyota Tundra SR/5 Crew Max 4WD | $3,048 | $1,524 | $254 |
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Price data assumes single female driver age 30, two speeding tickets, two at-fault accidents, $1000 deductibles, and Iowa minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Information does not factor in vehicle garaging location which can alter auto insurance rates noticeably.
For high risk drivers, one of the more important components that impact the cost of insurance is your address. Cities with larger populations or higher claims like Council Bluffs, Des Moines, and Fort Dodge are more likely to have higher rates, whereas areas that are not as densely populated have the enjoyment of a little cheaper coverage.
The next table sorts the priciest cities in Iowa for drivers requiring a SR22 to purchase car insurance in.
Rank | City | Average Per Year |
---|---|---|
1 | Council Bluffs | $1,276 |
2 | Sioux City | $1,181 |
3 | Des Moines | $1,152 |
4 | Davenport | $1,101 |
5 | Fort Dodge | $1,092 |
6 | Dubuque | $1,087 |
7 | Cedar Falls | $1,059 |
8 | Bettendorf | $1,052 |
9 | Waterloo | $1,050 |
10 | Marshalltown | $1,050 |
11 | Clinton | $1,044 |
12 | West Des Moines | $1,037 |
13 | Ottumwa | $1,034 |
14 | Clive | $1,030 |
15 | Burlington | $1,028 |
16 | Urbandale | $1,025 |
17 | Mason City | $1,020 |
18 | Cedar Rapids | $1,017 |
19 | Muscatine | $1,000 |
20 | Ankeny | $993 |
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Premium amounts are estimated as specific Iowa zip code can change price quotes significantly.
If you are looking for the best car insurance for high risk drivers in Iowa, the four most popular companies are Allstate, Progressive, State Farm, and Geico. They all offer unique coverages that policyholders can choose from. The table below shows some of the different features that may be available in your state.
Allstate | Progressive | State Farm | Geico | |
---|---|---|---|---|
Policy Discounts | 1st | 4th | 3rd | 2nd |
Overall Satisfaction | 2nd | 3rd | 4th | 1st |
Overall Cost | 4th | 3rd | 2nd | 1st |
Claims Service | 1st | 4th | 2nd | 3rd |
Market share percentage | 10% | 8.8% | 18.3% | 11.4% |
Recommend by customers | 86% | 88% | 88% | 87% |
A.M. Best financial rating | A+ | A+ | A++ | A++ |
S&P financial rating | AA- | AA | AA | AA+ |
Uber and Lyft insurance | Yes | Yes | Yes | Yes |
Accident forgiveness coverage | Yes | Yes | No | Yes |
Mechanical breakdown insurance | No | Yes | No | Yes |
Emergency roadside assistance | Yes | Yes | Yes | Yes |
Usage-based insurance | Yes | Yes | Yes | No |
New car replacement insurance | Yes | No | No | No |
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