Cheap Car Insurance Quotes for Drivers with a DUI in Iowa

The type of vehicle to be insured is one of the largest factors when comparing the most economical insurance for drivers with a DUI. Vehicles with lots of speed or power, poor safety ratings, or a high likelihood of having liability claims will cost much more to insure than safer, lower-performance models. The table below showcases auto insurance prices for the most affordable automobiles to insure.

Data based on married female driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and Iowa minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, and homeowner. Rates do not factor in vehicle location which can raise or lower coverage prices significantly.

Based on these rates, you can assume that models like the Honda CR-V, Chevrolet Traverse, Ford Escape, and Ford Edge are going to be a few of the most affordable vehicles to insure after getting a DUI. The cost of auto insurance will tend to be higher just because there is more liability risk for drivers with a DUI, but overall those particular models will have the cheapest auto insurance rates that you are likely to find.

Deciding which company quotes the lowest-priced insurance rates for drivers with a DUI requires a bit more effort than just quoting one company’s rates. Every car insurance company has their own process for determining prices, so we’ll go over the insurance companies that tend to have lower prices in Iowa.

Best Cheap Insurance Rates after a DUI

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USAA normally has some of the most affordable car insurance rates in Iowa at around $669 a year. Partners Mutual, Allied, Western National, and Hastings Mutual would also make the list of some of the lowest-priced Iowa insurance companies.

As depicted above, if you currently buy coverage from Western National and switched to USAA, you may see savings of roughly $116. Policyholders with Hastings Mutual could save as much as $202 a year, and State Farm customers might reduce rates by $231 a year.

Bear in mind that those premiums are averages for all drivers and vehicles and and are not calculated with a rate surcharge for drivers with a DUI. So the insurer that can offer you the lowest price may not even be shown in the above list. That’s why you need to compare prices as often as possible using your own individual information.

The information below shows how choosing a deductible can affect insurance rates when trying to find cheap insurance for drivers with a DUI. The information is based on a single female driver, full physical damage coverage, and no other discounts are factored in.

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A 30-year-old driver could lower their policy premium by $306 a year by switching from a $100 deductible up to a $500 deductible, or save $460 by choosing a $1,000 deductible. Youthful drivers, like the 20-year-old, could lower their rates up to $686 or even more by choosing a higher deductible. If you do raise deductibles, it will be necessary to have plenty of discretionary funds to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Which insurance company is best in Iowa?

Selecting a good quality insurance provider can be a challenge considering how many different insurance companies sell coverage in Iowa. The company rank data below could help you pick which insurers you want to consider when trying to find cheaper insurance for drivers with a DUI. The rankings below are only made up of large insurance companies, so companies that may only write in Iowa are not taken into consideration for these rankings.

Best cheap insurance quotes after getting a DUI

Thanks to technology, there are a lot of ways to compare insurance quotes in Iowa, but the most common ways are through a captive (or exclusive) agency such as Allstate or State Farm, a non-exclusive or independent agent, or buying direct from a company like Progressive or Geico. Each way is similar, but they differ slightly in how they price policies.

Independent agents are appointed by several companies and can quote your policy with every one. They have the freedom to provide you with more rates, which may provide you with the best chance of saving money. If your agent finds better pricing, they can switch companies in-house which makes it easier to save money.

Exclusive agencies are usually restricted to one insurance company, two of the more popular are an Auto-Owners or Allstate agent. These agents usually cannot quote prices from more than a single company, so you will not be able to compare their rates to other companies.

Buying insurance direct means you bypass the middleman (the agent) and buy from a direct company like Progressive or Esurance. Buying direct is a good choice for consumers who do not need advice for risk management and understand what coverages they need.

Which method works best to find cheap car insurance for drivers with a DUI in Iowa? We’d like to tell you buying direct saves the most money since it doesn’t require paying agent commissions, but unfortunately, that is not the case. It would also be easy to say buying from an independent agent can save the most money due to having more companies to select from, but again, that’s not a true statement. For some people, exclusive agents may have very competitive prices that other companies cannot beat.

Due to the large number of rating factors, the best way to ensure the lowest rates is to do a thorough rate comparison. We recommend you get prices from all three to give yourself plenty of rates to compare. To see some of the cheapest online companies available, click here to view.

Tips for buying low-cost car insurance for drivers with a DUI

The list below details a few penny-pinching suggestions that can help drivers find low-cost car insurance.

• Avoid speeding and other traffic citations and pay less
• Buying home and auto together can help save money
• Get cheaper liability coverage by choosing a safer vehicle
• Try to pay small claims out-of-pocket
• Avoid accidents
• Shop around for cheaper rates regularly

That last idea is particularly crucial, as we discussed in this piece. Auto insurance prices can change in a short period of time, so don’t be afraid to buy from a new company if a lower-cost policy is available. We understand brand loyalty, but it isn’t a good idea if that loyalty ends up costing a lot of money. Take a couple minutes and compare rates and find cheaper car insurance for drivers with a DUI.