Cheap Insurance Quotes for Ride Shares in Iowa

Wouldn’t it be easy if we could magically tell you the exact company that has the cheapest rate quotes ? It’s just not that easy, however, as there are a whole bunch of unknown elements such as if you are a woman or a man, how much you actually drive in a year, the neighborhood you live in, and if you have a tendency to get pulled over. Car insurance is kind of a dry topic, but this article will explain the best ways to find cheap auto insurance and will give you a good beginning to your search for cheaper coverage.

The type of vehicle on the policy is one of the main factors when consumers are trying to find cheaper insurance . Vehicles with high performance features, a lack of advanced safety features, or a track record of large liability claims will cost significantly more to insure than more economical and safe models. The tables below shows auto insurance prices for a number of the most economical automobiles to buy insurance for.

Car Insurance Rates for Popular Cars in Iowa
Make, Model, and Trim Level	Annual Cost	Semi-Annual Cost	Monthly Cost
Ford Fusion SEL AWD 4-Dr Sedan	$1,110	$555	$93
Honda Accord LX 4-Dr Sedan	$804	$402	$67
Honda Civic LX-S 4-Dr Sedan	$988	$494	$82
Hyundai Elantra GLS 4-Dr Sedan	$1,010	$505	$84
Hyundai Sonata SE 4-Dr Sedan	$1,070	$535	$89
Nissan Altima 2.5 4-Dr Sedan	$952	$476	$79
Toyota Camry SE	$1,010	$505	$84
Toyota Corolla S	$1,010	$505	$84
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Iowa minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Prices do not factor in Iowa location which can raise or lower price quotes greatly.

Car Insurance Rates for Popular SUVs and Crossovers in Iowa
Make, Model, and Trim Level	Annual Cost	Semi-Annual Cost	Monthly Cost
Buick Enclave CX AWD	$1,032	$516	$86
Chevrolet Traverse LS 2WD	$826	$413	$69
Ford Escape Limited 4WD	$884	$442	$74
Ford Expedition SSV 2WD	$826	$413	$69
Ford Explorer Limited AWD	$974	$487	$81
GMC Acadia SLE AWD	$952	$476	$79
GMC Terrain SLE 2WD	$884	$442	$74
Honda CR-V EX-L 2WD	$826	$413	$69
Honda Pilot EX-L 4WD	$974	$487	$81
Hyundai Tucson GLS 4WD	$894	$447	$75
Jeep Grand Cherokee SRT-8 4WD	$1,032	$516	$86
Jeep Wrangler Sport Islander Package 4WD 2-Dr	$872	$436	$73
Lexus RX 350 4WD	$1,170	$585	$98
Toyota Highlander Limited 4WD	$1,054	$527	$88
Toyota RAV4 Sport 2WD	$952	$476	$79
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Iowa minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Table data does not factor in zip code location which can impact rates considerably.

Insurance Rates for Popular Pickup Trucks in Iowa
Make, Model, and Trim Level	Annual Cost	Semi-Annual Cost	Monthly Cost
Chevrolet Colorado LT 2WD	$850	$425	$71
Chevrolet Silverado 2500HD LT Extended Cab Diesel 2WD	$1,170	$585	$98
Chevrolet Silverado LT Crew Cab 2WD	$1,092	$546	$91
Dodge Ram 2500 Mega Cab Laramie 2WD	$1,228	$614	$102
Dodge Ram Quad Cab SLT 4WD	$1,034	$517	$86
Ford F-150 XL Super Cab 4WD	$894	$447	$75
Ford F-350 XL Super Cab 4WD	$1,262	$631	$105
GMC Canyon SLE Ext Cab 2WD	$930	$465	$78
GMC Sierra SL Extended Cab 2WD	$952	$476	$79
Toyota Tundra SR/5 Crew Max 2WD	$1,012	$506	$84
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Iowa minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Table data does not factor in specific zip code location which can alter price quotes greatly.

Finding budget insurance is difficult, and deciding which companies offer the best insurance rates may require a bit more work. Every insurance company has a proprietary method for establishing rates, so to begin we’ll rank the insurance companies with the overall best prices in Iowa.

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What’s the cheapest car insurance in Iowa?
Rank	Company	Cost Per Year
1	USAA	$683
2	Partners Mutual	$698
3	Western National	$785
4	Allied	$787
5	Hastings Mutual	$880
6	State Farm	$891
7	Nationwide	$907
8	Auto-Owners	$958
9	Farm Bureau Mutual	$985
10	GEICO	$1,004
11	Cameron Mutual	$1,023
12	Travelers	$1,030
13	Farmers	$1,065
14	Pekin Insurance	$1,098
15	Progressive	$1,106
16	EMC	$1,159
17	Grinnell	$1,194
18	General Casualty	$1,199
19	American Family	$1,203
20	MetLife	$1,311
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USAA normally has some of the cheapest car insurance rates in Iowa at around $683 annually. Partners Mutual, Western National, Allied, and Hastings Mutual also rank well as some of the most economical Iowa insurance companies.

As depicted above, if you are a customer of Hastings Mutual and switched to Partners Mutual, you might realize yearly savings of roughly $182. Customers with State Farm might save as much as $193 a year, and Nationwide customers might see rate reductions of $209 a year.

To discover how much you can save, click here to start your free quote or visit several of the following companies.

Understand that those policy rates are averaged across all ages of drivers and types of vehicles and do not factor in a price discount . So the company that fits your situation best may not even be included in the list above. That affirms the importance of why you need to get quotes using your own individual information.

The chart below demonstrates how deductibles can change insurance costs when quoting cheap insurance . Data assumes a single female driver, full physical damage coverage, and no discounts are applied to the premium.

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The data above shows that a 50-year-old driver could pocket $236 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $358 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old, could roll back prices as much as $602 every year just by using higher deductibles. When increasing deductibles, it is essential to have enough in a savings account to allow you to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Insurance company ratings

Choosing a highly-rated car insurance provider is difficult considering how many companies sell coverage in Iowa. The rank data in the lists below could help you select which car insurance providers to look at
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when comparing insurance rates .

These rankings only include major nationwide insurance companies, so companies that focus mainly on Iowa business are not included in this list. If you wish to compare prices
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Iowa Insurance Company Rankings
Company	Value	Customer Service	Claims	Customer Satisfaction	A.M Best Rating	Overall Score
USAA	99	100	90	92%	A++	97.4
21st Century	89	86	100	88%	A	92.7
GEICO	97	91	88	85%	A++	92.5
Nationwide	88	94	91	88%	A+	91.3
AAA Insurance	93	87	88	87%	A	90.8
Liberty Mutual	91	91	92	87%	A	90.7
Safeco Insurance	90	93	88	86%	A	90.2
State Farm	91	94	80	88%	A++	90.2
Travelers	89	91	94	79%	A++	90.1
American Family	88	92	83	88%	A	89.4
Allstate	90	90	84	85%	A+	89.1
Progressive	83	85	99	87%	A+	88.7
The Hartford	87	89	84	87%	A+	88
Esurance	84	88	85	83%	A+	86
Farmers Insurance	79	88	84	87%	A	84.7
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Data Source: Insure.com Best Car Insurance Companies

Is the best company Progressive, State Farm, Allstate, or Geico?

When it comes to car insurance in Iowa, four companies to definitely compare rates with are Progressive, State Farm, Allstate, and Geico. Combined they insure about 50% of the car insurance market in the United States. The following table ranks ratings and policy coverage options that are available.

Top U.S. Car Insurance Company Ratings
	Progressive	State Farm	Allstate	Geico
Overall Price	3rd	2nd	4th	1st
Discounts Available	4th	3rd	1st	2nd
Customer Satisfaction	3rd	4th	2nd	1st
Claims Rank	4th	2nd	1st	3rd
Percent of U.S. market	8.8%	18.3%	10%	11.4%
New car replacement coverage	No	No	Yes	No
Mechnical breakdown	Yes	No	No	Yes
Accident forgiveness coverage	Yes	No	Yes	Yes
Uber and Lyft insurance	Yes	Yes	Yes	Yes
Usage-based rating	Yes	Yes	Yes	No
Emergency roadside assistance	Yes	Yes	Yes	Yes
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Cheap Insurance Quotes for Ride Shares in Iowa

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