Best Cheap Auto Insurance After a Speeding Ticket in Iowa

The words “low-cost” and “insurance” really shouldn’t be used together, in particular when comparison shopping for the cheapest auto insurance after a speeding ticket. In an attempt to save some money, let’s take a look at some situations that determine auto insurance rates, and come up with some ideas to cut the cost of the next policy you buy.

After a few driving violations, one of the largest factors that affect the price you pay for insurance is where you live in Iowa. Cities that have higher claim levels or more people like Council Bluffs, Des Moines, and Fort Dodge will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims can boast about having cheaper rates.

The next table rates the priciest cities in Iowa after a speeding ticket to purchase a policy in.

Premium amounts are approximated as the specific garaging location can influence insurance rates greatly.

Finding out which companies have the cheapest car insurance rates after a speeding ticket involves more work in order to find the lowest price. Every auto insurer uses their own calculation for setting rates, so let’s look at the rankings for the most budget-friendly car insurance companies in Iowa.

Keep in mind that Iowa car insurance rates are calculated based on many things which can substantially decrease or increase the cost of coverage. Getting older, having a teenage driver, or getting a couple of tickets can trigger price changes that may make certain companies much cheaper than others.

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google.charts.setOnLoadCallback(drawIAT5qcibChart);function drawIAT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘USAA’, 690, ‘#33CFCA’], [‘Partners Mutual’, 698, ‘#2AACA8’], [‘Western National’, 785, ‘#238F8C’], [‘Allied’, 811, ‘#1D7774’], [‘Hastings Mutual’, 871, ‘#186360’]]);var options = {title: ‘Most Affordable Car Insurance Companies in Iowa’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:971,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

USAA may offer some of the best car insurance rates in Iowa at around $690 annually. Partners Mutual, Western National, Allied, and Hastings Mutual also rank well as some of the cheapest Iowa insurance companies.

As the example above demonstrates, if you are a customer of Allied and switched to USAA, you might realize an annual premium reduction of in the neighborhood of $121. Iowa drivers with Hastings Mutual might save as much as $181 a year, and Auto-Owners customers might see rate reductions of $230 a year.

To get a fast rate comparison, click here to get quotes or quote rates from the companies below.

Be aware that those rates are averages for all types of insureds and vehicles and do not factor in a price decrease after a speeding ticket. So the company that fits your age and vehicle best may not even be featured in the list of companies shown earlier. That affirms the importance of why you need to get car insurance quotes using your own driver information and specific vehicle type.

The example below illustrates how your choice of deductibles can impact insurance premiums when quoting cheap insurance after a speeding ticket. The prices are based on a single female driver, comp and collision included, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2729,2505,2257,2025],[‘Age 30’, 1893,1729,1543,1365],[‘Age 40’, 1753,1605,1437,1279],[‘Age 50’, 1533,1403,1257,1115],[‘Age 60’, 1481,1355,1217,1081],[‘Age 70’, 1727,1583,1429,1279]]);var options = {title: ‘Deductible Levels and Auto Insurance Prices in Iowa’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

As shown above, a 30-year-old driver could lower their policy premium by $316 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $474 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could lower their rates up to $704 annually by choosing larger deductibles on their policy. When insureds make the decision to increase the deductibles on their policy, it is a good idea to have plenty of discretionary funds to enable you to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Buying coverage from a good quality car insurance provider is difficult considering how many companies provide coverage in Iowa. The company ratings below can help you decide which car insurance companies you want to consider when comparing insurance rates after a speeding ticket.

The rankings below are for large nationwide companies, so companies that only write business in Iowa or surrounding areas will not be included in this list. To get rate quotes from these top insurers and more, click here.

Top 10 Major Auto Insurance Providers in Iowa Ranked by Customer Service

1. State Farm
2. Nationwide
3. Safeco Insurance
4. American Family
5. Travelers
6. Liberty Mutual
7. GEICO
8. Allstate
9. The Hartford
10. Farmers Insurance

Top 10 Major Auto Insurance Providers in Iowa Ranked by A.M. Best Rating

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Nationwide – A+
6. Esurance – A+
7. The Hartford – A+
8. Progressive – A+
9. Allstate – A+
10. The General – A-

Which auto insurance company is best?

If you’re looking for the best auto insurance, four companies to consider are Geico, Allstate, Progressive, and State Farm. The data below compares and contrasts some of the different options you can buy with each company.