How Much are Car Insurance Quotes for Uninsured Drivers in Iowa?

We all have different tastes in cars, and the vehicle driven is one of the primary factors when comparing the best cheap insurance for uninsured drivers. Vehicles with lots of speed or power, poor safety features, or a high likelihood of having liability claims will cost substantially more to insure than safer, lower-performance models.

The next tables illustrates insurance rates for some of the most affordable vehicles to buy insurance for.

Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Iowa minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Table data does not factor in Iowa location which can impact coverage rates substantially.

Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Iowa minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in vehicle garaging location which can revise premium rates significantly.

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Iowa minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rate information does not factor in garaging location in Iowa which can decrease or increase price quotes greatly.

When shopping for car insurance for drivers with no prior coverage, one of the many factors that is used by car insurance companies to calculate car insurance rates is where your home is located in Iowa. Densely populated urban areas like Council Bluffs, Sioux City, and Dubuque likely pay more, whereas areas with less people or fewer weather incidents have the luxury of cheap auto insurance for uninsured drivers in Iowa.

The table below ranks the highest-priced places in Iowa for uninsured drivers to buy car insurance in.

Information shown are approximated as the vehicle garaging location can increase or decrease premiums noticeably.

Impact of violations and accidents on rates

The common sense way to score the most affordable insurance premiums in Iowa for drivers with no prior coverage is to be a safe driver and maintain a clean driving record. The illustration below illustrates how speeding tickets and accidents can raise insurance premiums for different categories of driver ages. The costs are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2639,3221,5347],[‘Age 30’, 1383,1965,4091],[‘Age 40’, 1331,1911,4039],[‘Age 50’, 1219,1799,3925],[‘Age 60’, 1197,1777,3905],[‘Age 70’, 1379,1959,4087]]);var options = {title: ‘Violations, Accidents, and Iowa Auto 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);}

The data charted above shows the average cost of an auto insurance policy per year with no violations or accidents is $1,525. Factor in two speeding tickets and the average cost surges to $2,105, an increase of $581 each year. Now get two accidents along with the two speeding tickets and the annual cost of insurance for uninsured drivers goes up to an average of $4,232. That’s an increase of $2,708, or $226 per month, just for not driving carefully!

Full coverage or liability only

Finding cheap auto insurance for uninsured drivers in Iowa is important to most drivers, and one of the easiest ways to save on the cost of insurance is to only buy liability coverage. The example below visualizes the comparison of yearly insurance costs with full coverage compared to only the Iowa minimum liability coverage. The data assumes no driving violations, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 1937,763],[‘Age 30’, 1021,423],[‘Age 40’, 999,393],[‘Age 50’, 913,369],[‘Age 60’, 885,363],[‘Age 70’, 1091,481]]);var options = {title: ‘Full Coverage and Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Iowa’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If averaged for all ages, full coverage costs an additional $1,141 per year more than just insuring for liability. At some point, every insured wonders if you should buy full coverage at all. There isn’t a written rule for phasing out physical damage coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.

For example, let’s pretend your vehicle’s claim settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $8,000 after paying the physical damage deductible. If you are paying in excess of $800 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

How to find cheaper car insurance for uninsured drivers

It is possible to find better rates, and here are a few money-saving ideas that can help Iowa drivers locate lower-cost car insurance.

• Accidents can significantly increase rates
• Do not pay for full coverage on older vehicles
• Improve your credit
• Violations like speeding or DUI increase rates
• Lower rates by purchasing a safer vehicle
• Raise deductibles to save money
• Compare rates regularly and switch companies to save money

That last piece of advice is remarkably valuable, as was noted in this article. Car insurance rates go up and down frequently, so drivers shouldn’t be reluctant to change to a new company if a lower-cost policy is available. Sticking with a specific company is fine, but it’s not recommended if that faithfulness ends up costing you a small fortune. It only takes a couple minutes to compare prices to find cheaper insurance for uninsured drivers.