How Much is Auto Insurance for Infrequent Drivers in Iowa?

The words “affordable” and “insurance” really should not be used together, specifically when you are searching for the cheapest coverage for infrequent drivers. Because of the high cost, let’s get started by showing you some situations that have an effect on car insurance rates, and find out if you can reduce the cost of your next policy.

Finding reliable, low-cost insurance is not easy, and deciding which companies quote the lowest-priced insurance rates for infrequent drivers takes even more diligence. Every auto insurer uses their own calculation for determining rates in each state, so let’s take a look at the insurance companies with the overall cheapest rates in Iowa.

Cheap Insurance Rates in Iowa

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Partners Mutual may offer some of the lowest car insurance rates in Iowa at around $677 annually. USAA, Allied, Western National, and State Farm also qualify as some of the cheapest Iowa car insurance companies.

As depicted above, if you are a customer of Western National and switched to Partners Mutual, you could see annual savings of upwards of $124. Policyholders with State Farm might save as much as $214 a year, and Hastings Mutual customers might lower prices by up to $221 a year.

To find out how your current rates compare, click here to get a free quote or visit several of the following companies.

Be aware that those rates are averages for all ages of drivers and types of vehicles and do not take into consideration a price decrease for infrequent drivers. So the company that can offer you the best price may not even be shown in the list of companies above. That points out the importance of why you need to compare rates from multiple companies using your own specific driver information and vehicle.

The type of vehicle you are insuring is probably the biggest factor when comparing the best cheap insurance for infrequent drivers. Vehicles with lots of speed or power, a lack of advanced safety features, or high incidents of liability claims will cost more to insure than safer, lower-performance models. The next list outlines insurance premiums for a number of the most budget-friendly vehicles to buy insurance for.

Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Iowa minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Table data does not factor in specific location information which can raise or lower premium rates significantly.

Based upon these rates, you can expect makes and models like the Chevrolet Traverse, Ford Escape, Chevrolet Silverado, Ford Edge, and Toyota Prius are likely to be a few of the more affordable vehicles to insure for low mileage drivers.

When shopping for cheaper auto insurance for low mileage drivers, one of the many components that play a part in determining insurance cost is where you live in Iowa. Areas with high crime rates or more dense population like Council Bluffs, Davenport, and Dubuque will most likely have higher rates, whereas more rural areas generally pay lower auto insurance rates.

The information below ranks the most expensive cities in Iowa for infrequent drivers to purchase car insurance in.

Prices are approximated as the specific geographic location can revise premiums considerably.

Insurance companies ranked

Picking the highest-rated car insurance provider can be rather challenging considering how many different companies there are to choose from in Iowa. The company ratings listed below could help you pick which car insurance providers you want to consider when comparing insurance rates for infrequent drivers.

The rankings below include major nationwide insurance companies, so companies that may only write in Iowa are not included in the list. To check rates and find cheaper insurance for infrequent drivers, click here.

Top 10 Large Auto Insurance Companies in Iowa Ranked by Value

1. USAA
2. GEICO
3. AAA Insurance
4. Liberty Mutual
5. State Farm
6. Allstate
7. Safeco Insurance
8. Travelers
9. 21st Century
10. Nationwide

Top 10 Large Auto Insurance Companies in Iowa Ranked by Customer Satisfaction

1. USAA – 92%
2. American Family – 88%
3. State Farm – 88%
4. Nationwide – 88%
5. 21st Century – 88%
6. The Hartford – 87%
7. Progressive – 87%
8. AAA Insurance – 87%
9. Farmers Insurance – 87%
10. Liberty Mutual – 87%

Discounts on cheap insurance for infrequent drivers in Iowa

Insurance providers that provide coverage for infrequent drivers may additionally offer discounts that can lower rates by as much as 25% or more if you are eligible for them. Companies and a summarized list of policyholder discounts can be read below.

The chart below illustrates the comparison of insurance costs with and without discounts applied to the policy rates. The rates are based on a male driver, no violations or claims, Iowa state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with accident-free, vehicle safety, anti-theft, homeowner, multiple vehicle, and defensive driving course discounts applied. When discounts are applied, the average amount saved each year on insurance for infrequent drivers is % or $.

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