Best Cheap Auto Insurance Quotes for First-time Drivers in Iowa

Wouldn’t life be great if we could magically tell you the company that has the lowest rates for first-time drivers? It’s not that simple, unfortunately, as there are a lot of unknown factors like if you are married, if you own the home you live in, your credit rating, and whether you are a new or experienced driver, that all go into determining the rate you pay. This article goes into detail about the best ways to find cheap auto insurance and will give you a jump start in finding the best auto insurance.

Trying to buy reasonably-priced auto insurance is not easy, and figuring out which companies quote the cheapest insurance rates for first-time drivers takes even more work. Premiums could be significantly pricier than the average rate in Iowa attributed to the potential for more claims associated with selling insurance for new drivers, but reasonable insurance may be available if you do a thorough comparison. Each company uses their own formula for determining rates, so first we will examine the insurance companies that tend to have lower prices in Iowa.

Keep in mind that Iowa insurance rates are impacted by many factors which can substantially change the cost of having a policy. Things like having a birthday, moving to a new city, or getting a ticket for careless driving may generate price changes that can now make some companies cheaper than competitors.

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google.charts.setOnLoadCallback(drawIAT5qcibChart);function drawIAT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘USAA’, 662, ‘#67CF33’], [‘Partners Mutual’, 677, ‘#55AC2A’], [‘Western National’, 777, ‘#468F23’], [‘Allied’, 779, ‘#3A771D’], [‘Hastings Mutual’, 898, ‘#306318’]]);var options = {title: ‘Cheapest Auto 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:998,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 normally has some of the cheapest car insurance rates in Iowa at around $662 a year. Partners Mutual, Western National, Allied, and Hastings Mutual also qualify as some of the most economical Iowa auto insurance companies.

As illustrated above, if you currently have a policy with Allied and switched to Partners Mutual, you might achieve an annual premium reduction of upwards of $102. Customers with Hastings Mutual might save as much as $221 a year, and State Farm policyholders might cut rates by $223 a year.

Be aware that those estimates are averaged for all ages of drivers and types of vehicles and do not take into consideration a rate surcharge for first-time drivers. So the auto insurance company that fits you best may not even be shown in the above list. That helps illustrate why you need to compare rates from multiple companies using your own personal information and vehicle type.

The vehicle model you are insuring is a significant factor when trying to find the most economical car insurance for first-time drivers. Vehicles with high performance features, a lack of modern safety features, or high incidents of liability claims will cost quite a bit more to insure than safer models. The lists below illustrates auto insurance premiums for some of the most economical automobiles to buy coverage for.

Cost estimates assume single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Iowa minimum liability limits. Discounts applied include claim-free, and safe-driver. Table data does not factor in zip code location which can raise or lower price quotes significantly.

Prices above based on single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Iowa minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in specific Iowa garaging location which can change price quotes greatly.

Data rating is based on single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Iowa minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in your specific Iowa location which can impact auto insurance rates greatly.

Irresponsible driving raises your rates

The easiest method to snag cheap insurance premiums for new drivers is to be a cautious driver and not receive tickets or have accidents. The chart below shows how speeding tickets and at-fault fender-benders can raise insurance costs for different insured age categories. The premium estimates are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 1497,1633,2897],[‘Age 30’, 1013,1151,2413],[‘Age 40’, 949,1083,2347],[‘Age 50’, 831,965,2231],[‘Age 60’, 805,941,2203],[‘Age 70’, 947,1083,2349]]);var options = {title: ‘Effect of Violations and Accidents on Iowa Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Iowa’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous chart, the average cost of auto insurance per year with no accidents or violations is $1,007. Receive one speeding ticket and the average cost rises to $1,143, an increase of $136 each year. Now add two accidents along with the one speeding ticket and the 12-month cost of insurance for first-time drivers goes up to an average of $2,407. That’s an increase of $1,400, or $117 per month, just for being a less-than-perfect driver!