How Much is Car Insurance for Drivers Under 21 in Iowa?

The words “economical” and “insurance” really shouldn’t be used in the same sentence, in particular when you are shopping around for the best car insurance for drivers under 21. Because it’s so expensive, let’s open your eyes to a few of the factors that impact insurance rates, and see if we can help you cut the cost of the next policy you buy.

For Iowa drivers, one of the factors that help determine the amount you pay for auto insurance is where you keep your car. Cities with larger populations like Council Bluffs, Davenport, and Dubuque tend to pay slightly more, whereas areas with less traffic congestion and claims have the benefit of cheaper auto insurance prices.

The next table sorts the most expensive places in Iowa for drivers under 21 to purchase auto insurance in.

Information shown are comparative as specific Iowa garaging address can change rates substantially.

Establishing which companies quote the cheapest car insurance rates for drivers under 21 will require a bit more work in order to find the best policy.

Every auto insurer uses a slightly different approach to establish rates, so let’s take a look at the most budget-friendly car insurance companies in Iowa. Keep in mind that Iowa car insurance rates are based on many factors that will increase or decrease the cost of having a policy. Improving your credit score, buying higher coverage limits, or having a fender bender may prompt premium changes resulting in some companies being more affordable than the competition.

Best Cheap Insurance Rates for Minors

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USAA generally has some of the lowest car insurance rates in Iowa at around $690 a year. Partners Mutual, Allied, Western National, and Hastings Mutual would also make the list of some of the cheaper Iowa auto insurance companies.

As depicted above, if you currently have coverage with Western National and switched to Partners Mutual, you could realize savings of about $111. Drivers with Hastings Mutual may save as much as $173 a year, and State Farm customers might see rate reductions of $220 a year.

Remember that these policy prices are averages for all drivers and vehicles in Iowa and do not take into consideration a price surcharge for drivers under 21. So the insurer that is most affordable for your situation may not even be shown in the chart above. That emphasizes why you need to get auto insurance quotes using your own driver information and specific vehicle type.

Best car insurance in Iowa

Buying coverage from a highly-rated car insurance provider is difficult considering how many companies there are in Iowa. The company rank data below may help you pick which auto insurers to look at when comparing rates. These rankings are only made up of large insurance companies, so smaller regional companies are not included in this list.