Best Cheap Car Insurance Quotes for Lyft Drivers in Iowa

When shopping for the cheapest auto insurance for Lyft vehicles, one of the many considerations that is used by auto insurance companies to calculate the amount you pay for auto insurance is where you normally keep your vehicle in Iowa. Densely populated urban areas like Council Bluffs, Sioux City, and Fort Dodge likely pay more, whereas more rural areas benefit from lower rates.

The table below lists the priciest cities in Iowa for Lyft drivers in which to buy car insurance.

Rates are estimated as vehicle location can affect coverage prices significantly.

The make and model of vehicle you are insuring is one of the largest factors when shopping for the best cheap car insurance for Lyft drivers in Iowa. Vehicles with economical engines, a great safety record, or a low likelihood of having liability claims will cost substantially less to insure than fast, unsafe models.

The table below shows insurance prices for some of the most cost-effective vehicles to insure in Iowa.

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Iowa minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in zip code location which can lower or raise prices greatly.

By looking at the data, we can conclude that cars like the Honda Accord, Honda CR-V, Ford Escape, and Hyundai Elantra are likely to be some of the more affordable vehicles to insure for Lyft vehicles.

Figuring out which companies offer the most affordable insurance rates for Lyft drivers takes a tad more effort in order to find the best policy. Every auto insurer uses their own method for setting prices, so to begin we’ll rank the insurance companies that tend to be cheaper in Iowa.

It’s important that you understand Iowa insurance rates are influenced by many factors which can substantially decrease or increase the price you have to pay for coverage. Simply having another birthday, adding a teenager to your policy, or having a fender bender may cause policy rate changes that can cause some rates to be cheaper than competitors.

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google.charts.setOnLoadCallback(drawIAT5qcibChart);function drawIAT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘Partners Mutual’, 677, ‘#33CF8F’], [‘USAA’, 690, ‘#2AAC77’], [‘Western National’, 777, ‘#238F63’], [‘Allied’, 787, ‘#1D7752’], [‘State Farm’, 900, ‘#186344’]]);var options = {title: ‘Low-Cost 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:1000,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);}

Partners Mutual has some of the lowest car insurance rates in Iowa at around $677 each year. USAA, Western National, Allied, and State Farm are also some of the most economical Iowa insurance companies.

As depicted above, if you are insured with Allied and switched to Partners Mutual, you might realize a yearly price reduction of around $110. Drivers with State Farm might save as much as $223 a year, and Hastings Mutual policyholders might reduce prices by as much as $230 a year.

Understand that those policy prices are averages for all drivers and vehicles and do not factor in a rate decrease for Lyft drivers. So the company that is best for you may not even be included in the rate chart shown above. That’s why you need to compare as many prices as possible using your own individual information.

The illustration below illustrates how choosing a deductible can raise or lower insurance costs when researching cheap insurance for Lyft drivers. The prices are based on a married female driver, comp and collision included, and no discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2103,1925,1725,1535],[‘Age 30’, 1475,1345,1199,1057],[‘Age 40’, 1459,1333,1191,1055],[‘Age 50’, 1279,1171,1049,933],[‘Age 60’, 1219,1115,999,885],[‘Age 70’, 1321,1207,1083,969]]);var options = {title: ‘Effect of Higher Deductibles on Auto Insurance Cost in Iowa’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},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);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

In the chart above, a 50-year-old driver could cut expenses by $230 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $346 by switching to a $1,000 deductible. Even younger drivers, like the 20-year-old category, could drop their prices $568 or even more by choosing larger deductibles on their policy. When raising deductibles, it is important to have enough savings to be able to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

Discounts on the best cheap car insurance for Lyft drivers in Iowa

Auto insurance companies that offer cheap quotes for Lyft drivers may additionally offer rate discounts that can lower rates by 35% or more if you are eligible. Popular insurance companies and some of their more popular discounts can be read below.

The chart below illustrates the comparison of insurance rates with and without discounts being applied to the rates. The premium estimates are based on a female driver, no violations or accidents, Iowa state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple vehicle, safe-driver, multiple policy, accident-free, homeowner, and marriage discounts applied. When these discounts are applied to the policy premium, the average savings per year on insurance for Lyft drivers is % or $.

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Is Allstate, State Farm, Progressive, or Geico cheaper?

When it comes to buying car insurance for Lyft vehicles in Iowa, four companies to take a look at are Allstate, State Farm, Progressive, and Geico. The next table illustrates ratings and policy coverage options that are available for buyers.

Cheapest insurance quotes for Lyft vehicles

You have many ways to compare cheaper insurance rates in Iowa, but the most preferred are either through an exlusive agent like Auto-Owners or State Farm, an independent agent, or direct from companies such as Progressive or Geico. All three ways can provide insurance quotes, but insurance buyers need to understand the differences in how they work.

Independent agents have contracts with multiple insurance companies and can compare coverage rates with all of them. These agents are not employed by only one company and can give you more rates, which may provide you with the best chance of finding a lower price. If you are not satisfied with one company, they simply switch companies in-house without you having to go to a different agency.

A captive, or exclusive, agent is only able to give rates for a single company like Allstate or State Farm agents. Exclusive agents generally are unable to quote prices from more than just one company, so you will not be able to compare their rates to other companies.

When you buy insurance direct, you forego a local agent and instead shop direct online or over the phone from a company like Esurance or Progressive. Shopping for insurance direct can be a good choice for consumers who have fewer assets and know more than average about how insurance works and possible exclusions.

So which way is best to buy the best cheap car insurance for Lyft drivers in Iowa? We would first guess that shopping direct results in the cheapest price since there is no need to pay agent commissions, but unfortunately, it’s not that simple. We could also say that buying insurance from an independent agent can save the most money since they can quote with many companies, but that is not accurate either. In some circumstances, the exclusive agents have coverage prices that other insurance companies cannot touch.

Because it’s impossible to say who has the best insurance rates, the guaranteed way to get the cheapest rates is to compare, compare, and compare some more. If you have the time, get quotes from all three types to get a good idea who is cheapest. For a list of companies offering online discounts, click here to view.