How Much is Car Insurance for Teenagers in Iowa?

For Iowa drivers, one of the considerations that auto insurance companies use when figuring the policy price is where you choose to live in Iowa. Cities with larger populations or higher claims like Council Bluffs, Davenport, and Bettendorf tend to have more expensive auto insurance rates, whereas more rural areas enjoy lower auto insurance rates.

The next table sorts the more expensive cities in Iowa for teenagers to purchase car insurance in.

Information shown are estimated as specific Iowa garaging address can affect coverage rates greatly.

Deciphering which company has the best car insurance rates for teenagers may require a tad more effort in order to find the lowest price quote. Every auto insurer has a different process for determining rates, so we’ll go over the most affordable car insurance companies in Iowa.

We do need to point out that Iowa car insurance rates are impacted by many things which can significantly increase or decrease the cost of a policy. Simply improving your credit, moving to a new city, or getting a few speeding tickets can trigger price changes that can make some companies cheaper than others.

Cheapest Insurance Rates for Teens

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google.charts.setOnLoadCallback(drawIAT5qcibChart);function drawIAT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘USAA’, 683, ‘#67CF33’], [‘Partners Mutual’, 684, ‘#55AC2A’], [‘Western National’, 777, ‘#468F23’], [‘Allied’, 779, ‘#3A771D’], [‘Hastings Mutual’, 907, ‘#306318’]]);var options = {title: ‘Top Five Cheapest 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:1007,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 lowest car insurance rates in Iowa at around $683 per year. Partners Mutual, Western National, Allied, and Hastings Mutual also qualify as some of the most economical Iowa car insurance companies.

As illustrated above, if you buy coverage from Partners Mutual and switched to USAA, you could earn savings of in the vicinity of $1. Drivers with Western National could save as much as $94 a year, and Allied customers might lower prices by $96 a year.

Understand that those rates are averaged across all insureds and vehicles and and are not calculated with a rate surcharge for teenagers. So the insurer that fits your needs best may not even be included in the chart above. That point stresses why you need to compare as many prices as possible using your own personal information and vehicle type.

Types of discounts on Iowa auto insurance

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/auto-insurance-teenagers-ia.jpg" alt="Cheaper Iowa car insurance for teen drivers” />Car insurance companies that offer cheap insurance for teenagers in Iowa may have policy discounts that could potentially reduce rates by as much as 35% or more if you can meet the requirements. Companies and their offered discounts are shown below.

• AAA includes discounts for AAA membership discount, anti-theft, good student, multi-car, education and occupation, good driver, and pay-in-full.
• Progressive may offer discounts for multi-vehicle, homeowner, continuous coverage, good student, online quote discount, multi-policy, and online signing.
• State Farm has savings for student away at school, good driver, multiple policy, passive restraint, Drive Safe & Save, and anti-theft.
• Esurance may have discounts that include anti-lock brakes, good student, Pac-12 alumni, homeowner, multi-policy, and DriveSense.
• Nationwide may include discounts for defensive driving, multi-policy, anti-theft, easy pay, Farm Bureau membership, business or organization, and good student.

The diagram below illustrates the difference between insurance prices with and without discounts applied to the premium. The data is based on a male driver, no claims or driving violations, Iowa state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with paperless filing, passive restraint, anti-theft, continuous coverage, good student, and vehicle safety discounts applied. In this example, the average amount saved each year on car insurance for teenagers is 28% or $524.

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Cost comparison with and without full coverage

Finding cheap insurance for teenagers in Iowa should be important to the majority of drivers, and one good way to save on the cost of insurance is to buy only liability coverage. The diagram below compares premium costs when comparing full coverage to liability only. The price estimates are based on no violations or claims, $500 deductibles, single marital status, and no discounts are applied.

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Averaged for all age groups, full coverage on your policy costs $1,183 per year over having just liability coverage. That is a significant amount which raises the question if you should buy full coverage. There is no set rule of when to eliminate comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.

For example, let’s assume your vehicle’s claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $7,000 after the deductible is paid. If premiums are more than $700 annually for physical damage coverage, the it may be a good time to stop paying for full coverage.

Cheapest car insurance: State Farm, Geico, Allstate, or Progressive

When comparing auto insurance for teen drivers in Iowa, the most popular companies are State Farm, Geico, Allstate, and Progressive. The data below rates some of the different features that are available for buyers.