Iowa Car Insurance with a DUI

If you get a DUI in Iowa, your auto insurance is going to get more expensive — it's only a question of how large your penalty will be.

How does a DUI affect car insurance costs in Iowa?

In Iowa, a DUI conviction will raise your annual auto insurance cost by an average of $621. That is 77% less than the national mean premium increase after a DUI.

AreaAvg. Annual Rate — without DUIAvg. Annual Rate — with DUIAvg. Increase After DUI
United States$1,548$2,556+65%

How to find car insurance in Iowa after a DUI conviction

Finding cheap car insurance with a DUI conviction is anything but simple. In fact, a DUI typically brings about a greater rate hike than any single driving violation — more than reckless driving, racing, or an at-fault accident.

Cheap car insurance with a DUI in Iowa

If you have been convicted of a DWI or DUI violation in Iowa, it’s essential to examine each of your insurance options carefully. Car insurance costs following a DUI often vary substantially by company. For instance, the best cheap car insurance company with a DUI in Iowa, State Farm, offers yearly prices 44% less than the state average insurance price after a DUI violation. The next-most affordable insurer for auto insurance with a DUI in Iowa is American Family, while the most expensive company is Grinnell, with rates 56% above the mean.

Insurance CompanyAvg. Annual Rate — After DUI
State Farm$964
American Family$1,305
IMT Insurance$1,804

There’s no car insurer, in particular, with affordable DUI auto insurance. The easiest way to save post-DUI conviction is to shop around.

Compare auto insurance policies online or contact an insurance professional to gauge the choices and find a suitable policy.

Learn more about car insurance and DUIs.

Find affordable car insurance today.

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Iowa DUI rules

Iowa considers drivers to be DUI — or OWI (operating a motor vehicle while intoxicated or drugged) — when their blood alcohol concentration is measured at 0.08% or higher. Commercial drivers are OWI when their BAC is measured at 0.04% or higher.

Iowa is a zero-tolerance state. Those under the legal drinking age of 21 are considered OWI when their BAC reads 0.02% or higher.

OWI penalties in Iowa

In Iowa, a driver's first OWI offense is considered a serious misdemeanor. A second offense is declared an aggravated misdemeanor. Third and subsequent OWI offenses are class D felonies.

The OWI lookback period in Iowa is 12 years. Repeated OWI offenses will result in harsher sentences and penalties.

In all cases, drivers convicted of an OWI in Iowa must:

  • Complete a course for driving under the influence
  • Complete a substance abuse evaluation and treatment or undergo rehabilitation

First-time OWI offenses in Iowa lead to:

  • 48 hours to one year in jail
  • $1,250 in fines (possibility of a waiver of up to $625 if the DUI did not cause injury or damage)
  • 180-day license revocation
  • Possibility of being assigned to complete community service
  • Vehicle may be impounded for 180 days
  • Interlock ignition device required if BAC reads 0.10% or higher

A second OWI offense in Iowa results in:

  • Seven days to two years in prison
  • $1,875 to $6,250 in fines
  • License revoked for one year
  • Vehicle may be impounded for 180 days or duration of license revocation, whichever is longer
  • Vehicle seized and forfeited to the state if driving on a revoked license
  • IID required for a minimum of one year

For the third and subsequent OWI offenses in Iowa, violators are subject to:

  • 30 days to five years in prison
  • $3,125 to $9,375 in fines
  • License revoked for up to six years
  • Vehicle may be impounded for 180 days or duration of license revocation, whichever is longer
  • Vehicle seized and forfeited to the state if driving on a revoked license
  • IID required for a minimum of one year

OWI leading to injury or death enhances the penalties and jail time that must be served by the offender.

OWI penalties for underage drinkers in Iowa

Iowa is a zero-tolerance state for OWI. Drivers under 18 years old will have their licenses revoked until the revocation expires or until they turn 18, whichever period is longer.

Those charged with underage OWI are prohibited from applying for a temporary restricted license during the period their license is revoked.

An underage OWI offender whose BAC reads lower than 0.08% will have their license revoked for 60 days for a first offense and 90 days for any subsequent offenses. They will also be responsible for paying a $200 fine.

First-time underage OWI offenders may be required to attend a substance abuse awareness program.

Sources and references:

Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.