How Much are Auto Insurance Quotes for a 20 Year Old Male in Iowa?

When shopping for insurance for young men, one of the many things that help determine car insurance rates is the neighborhood you call home in Iowa. Areas with more people or higher crime rates like Council Bluffs, Des Moines, and Bettendorf likely pay more, whereas areas that are not as densely populated get the luxury of paying less.

The following table rates the higher priced cities in Iowa for 20 year old guys to purchase car insurance in.

Rate quotes are comparative as the specific area where the vehicle is garaged can change rates greatly.

Figuring out which insurers offer the cheapest auto insurance rates for 20 year old guys involves more time in order to find coverage that fits your buget. Each auto insurance company has a proprietary formula for setting prices, so we will examine the lowest cost auto insurance companies in Iowa.

Best Auto Insurance Prices for Men Age 20

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USAA quotes some of the cheapest car insurance rates in Iowa at around $669 per year. Partners Mutual, Allied, Western National, and Hastings Mutual are also some of the best Iowa auto insurance companies.

As depicted above, if you are a policyholder with Partners Mutual and switched to USAA, you might see annual savings of approxmiately $36. Insureds with Allied might save as much as $118 a year, and Western National policyholders might cut rates by $140 a year.

Understand that those policy prices are averages across all drivers and vehicles and are not factoring in a rate increase for 20 year old guys. So the company that can offer the best rates for your situation may not even be shown in the chart above. That’s why you need to get quotes using your own personal information and vehicle type.

The make and model of vehicle requiring coverage is probably the most important factor that determines if you can find cheap auto insurance for 20 year old guys in Iowa. Vehicles with economical engines, modern passenger safety features, or a track record of few liability claims will cost significantly less to insure than higher performance models. The next table showcases insurance prices for some of the more afforable vehicles to insure in Iowa.

Data based on single male driver age 20, 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 specific location which can change premium rates considerably.

Looking at the data, you can figure that models like the Hyundai Elantra, Jeep Wrangler, Honda CR-V, Ford Escape, and Hyundai Tucson should be the less-costly vehicles to insure for young men. The price for an auto insurance policy will tend to be more expensive just due to the fact that there is more exposure for 20 year old guys, but in general those makes and models will most likely have the lowest insurance rates compared to other vehicles.

The example below shows how choosing a deductible can influence insurance costs when researching cheap insurance for 20 year old guys. The data assumes a married female driver, full coverage, and no discounts are factored in.

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As shown above, a 30-year-old driver could lower rates by $268 a year by switching from a $100 deductible up to a $500 deductible, or save $404 by switching to a $1,000 deductible. Younger drivers, such as the 20-year-old example, could shave $568 each year by selecting a higher deductible.

When insureds make the decision to increase the deductibles on their policy, it will be required to have plenty of money set aside to enable you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Choosing the best insurance company can be difficult considering how many companies are available to choose from in Iowa. The rank data displayed below could help you analyze which auto insurance companies you want to consider when comparing auto insurance rates for 20 year old guys.

These rankings only include companies that insure vehicles across America, so smaller companies are not taken into consideration for these rankings. If you’d like to compare prices and find cheaper insurance for 20 year old guys, follow this link.

Top 10 Major Auto Insurance Companies in Iowa Ranked by A.M. Best Rating

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Esurance – A+
6. Allstate – A+
7. The Hartford – A+
8. Nationwide – A+
9. Progressive – A+
10. The General – A-

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

If you want the best auto insurance for young men, some of the first companies to look at are Progressive, Allstate, State Farm, and Geico. The next table breaks down ratings for price, service, and claims, in additional to some of the optional coverages that are available for buyers.