Car Insurance for Good Drivers in Iowa

The Zebra
July 15, 2019

Car insurance for low-risk drivers in Iowa

Some of the factors that contribute to your car insurance rates lie beyond your control: your age, location, and gender are common rating factors over which you don’t have much of a say. There are, however, a few factors you can more easily alter in pursuit of lower rates.

To find affordable car insurance, consider keeping your driving record squeaky clean, your credit score solid, and your monthly mileage low. Car insurance companies are willing to provide price breaks to drivers who pose the least risk. Exhibiting as little risk as possible behind the wheel can lead to lower rates.

See below a breakdown of the best companies with which to start your car insurance search if you’re a low-risk customer in Iowa.

Car insurance for citation-free drivers in Iowa

One of the best ways to ensure you pay less for car insurance is to maintain a good driving record. Car insurance companies view good drivers as less risky customers and in turn, charge them lower premiums. If you remain on the right side of the law, you could enjoy lower car insurance rates.

If you're free of tickets, start your search for car insurance with Farm Bureau Mutual (IA Group), with an average annual rate of $815. That comes out to $335less than the average car insurance rate for citation-free drivers in Iowa.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN IOWA
Insurance CompanyAvg. Annual Auto Insurance Rate
Farm Bureau Mutual (IA Group)$815
State Farm$825
Pekin Insurance$858
Partners Mutual Insurance Co$858
Nationwide$933
American Family$1,018
Hastings Mutual Insurance Co$1,026
IMT Insurance Company$1,049

Car insurance rates for drivers with above-average credit in Iowa

Auto insurance companies reward clients who maintain a solid credit history. Insurance companies see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.

If your credit score is between 670 and 739, your best auto insurance option in Iowa could be Farm Bureau Mutual (IA Group), providing an average rate of $815. If your credit score is in the “excellent” range, State Farm might be a smart place to start your search. State Farm's rates for drivers who have "excellent" credit average are $223 per year less than the typical car insurance premium for drivers with excellent credit in Iowa.

Find below a breakdown of auto insurance rates in Iowa for drivers with good, very good, and excellent credit scores.

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN IOWA
Insurance CompanyAvg. Annual Auto Insurance Rate
Farm Bureau Mutual (IA Group)$815
State Farm$825
Pekin Insurance$858
Partners Mutual Insurance Co$858
Nationwide$933
American Family$1,018
Hastings Mutual Insurance Co$1,026
IMT Insurance Company$1,049

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN IOWA
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$727
Farm Bureau Mutual (IA Group)$768
Pekin Insurance$768
Partners Mutual Insurance Co$785
Nationwide$885
American Family$928
Hastings Mutual Insurance Co$932
Progressive$961

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN IOWA
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$642
Pekin Insurance$686
Partners Mutual Insurance Co$718
Farm Bureau Mutual (IA Group)$736
Cameron Mutual Group$831
Nationwide$833
Progressive$843
Western National$872

Compare rates from top companies!

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Car insurance for low-mileage drivers in Iowa

The fewer miles you drive, the less likely you are to file an insurance claim. That’s the logic auto insurance companies use to charge infrequent drivers less. If you don't exceed the threshold of 7,500 miles per year, you’re likely to save some money on auto insurance each month. By how much you can cut your premiums by driving less often comes down to your insurance company's pricing practices.

If you're a resident of Iowa who doesn't rack up major mileage, consider Pekin Insurance, offering average annual savings of $465 for low-mileage clients.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN IOWA
Insurance CompanyAvg. Annual Auto Insurance Rate
Pekin Insurance$685
State Farm$743
Farm Bureau Mutual (IA Group)$815
Partners Mutual Insurance Co$858
American Family$921
Nationwide$933
Hastings Mutual Insurance Co$1,026
IMT Insurance Company$1,049

Start your search today — compare rates now!

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Good driver insurance rates in Iowa — in major cities

In addition to varying by state and by insurance company, car insurance rates differ depending on the exact address at which the vehicle is listed. Auto insurers rate policies by the driver’s home ZIP code, adjusting premiums for the risk presented by specific locations.

Find below a summary of car insurance rates for drivers with positive rating factors in five of the most populous cities in each US state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Des Moines$1,299$1,299$1,171$1,078$1,336
Cedar Rapids$1,328$1,328$1,197$1,101$1,380
Davenport$1,356$1,356$1,222$1,125$1,393
Waterloo$1,398$1,398$1,260$1,162$1,494
Sioux city$1,529$1,529$1,379$1,271$1,631

Find an affordable policy today!

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