How Much Does Car Insurance Cost for 17 Year Olds in Iowa?

You have surely seen all the captivating commercials from insurers like Farmers, Nationwide, and The General guaranteeing big savings, so you should just pick one randomly, right?

It’s just not that easy, however, as there are a whole bunch of unknown aspects such as what your desired deductibles are, the amount of liability coverage you need, and the likelihood of your vehicle having a liability claim, that all have an effect on the price. This article will cover the types of situations that result in high rates and hopefully give you enough understanding to have a good beginning to your search for cheaper coverage.

The vehicle needing coverage is a large factor when looking for cheap insurance for 17 year olds in Iowa. Vehicles with economical engines, excellent safety ratings, or low incidents of liability claims will cost less to insure than adrenaline junky models.

The table below estimates car insurance premiums for some of the most affordable automobiles to buy coverage for.

Above prices assume single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Iowa minimum liability limits. Discounts applied include claim-free, and safe-driver. Price estimates do not factor in specific Iowa garaging location which can increase or decrease premium rates noticeably.

Looking at the data, you can expect vehicles like the Ford Escape, Honda CR-V, and Hyundai Elantra are likely to be some of the more affordable vehicles to insure for teen drivers. The price for an auto insurance policy will tend to be more expensive anyway because of the fact that there is more exposure for 17 year olds, but overall those vehicles will have the cheapest auto insurance rates compared to all other vehicles.

When buying insurance for teen drivers, one of the key criteria that is used to help calculate auto insurance rates is where you choose to live. Cities with larger populations or higher claim trends like Council Bluffs, Sioux City, and Bettendorf tend to pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the gratification of cheap insurance for 17 year olds in Iowa.

The illustration below shows the highest-priced areas in Iowa for 17 year olds in which to purchase auto insurance.

Table data uses estimated as the specific Iowa residence address can revise rates significantly.

Types of discounts on Iowa insurance rates

Insurers that offer cheap insurance for 17 year olds in Iowa may also give you rate discounts that could reduce prices by 35% or more if you qualify. Larger insurance companies and their possible discounts are outlined below.

The illustration below illustrates the difference between car insurance costs with and without discounts applied to the premium. The price estimates are based on a female driver, a clean driving record, no claims, Iowa state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with good student, vehicle safety, passive restraint, paperless filing, anti-theft, and continuous coverage discounts applied. When these discounts are applied, the the average amount saved on insurance for 17 year olds is 13% or $215.

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Picking a high-quality auto insurance provider can be challenging considering how many choices you have in Iowa. The company rank data listed below can help you pick which auto insurance companies you want to consider when comparing rates. The rankings below are only comprised of companies with a national presence, so smaller regional companies are not factored into this list.

Which car insurance company is best?

If you’re looking for the cheapest auto insurance for teen drivers, the companies with the most market share are State Farm, Progressive, Allstate, and Geico. All of them offer liability and physical damage protection, but each on has slightly different coverages and options that policyholders can choose from. The data below ranks some of the different options and features that are available.