Best Cheap Auto Insurance Quotes for a Learners Permit in Iowa

One of the more important factors that affect a rate quote is where you keep your vehicle in Iowa. Cities with larger populations or higher claim trends like Council Bluffs, Sioux City, and Fort Dodge will most likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower rates.

The following table shows the most expensive cities in Iowa for a learners permit to purchase a policy in.

Annual rates are approximated as the specific zip code location can impact coverage prices substantially.

The type of vehicle that is being insured is probably the biggest factor when shopping for the best cheap auto insurance for a learners permit in Iowa. Vehicles with lower acceleration and performance, modern passenger safety features, or a positive history of liability claims will cost much less to insure than high performance models. The table below presents coverage rates for the most budget-friendly automobiles to insure.

Premium data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Iowa minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in specific Iowa garaging location which can modify prices substantially.

Based upon the rates shown, models like the Honda CR-V, Honda Accord, Chevrolet Traverse, Ford Escape, and Jeep Wrangler should be a few of the cheaper vehicles to insure for new drivers. The price for an auto insurance policy will trend higher just because there is more risk for a learners permit, but overall those vehicles will have the least expensive rates possible.

The chart below demonstrates how deductible levels can increase or decrease insurance rates when trying to find cheap insurance for a learners permit. Data assumes a single female driver, comp and collision included, and no additional discounts are factored in.

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A 50-year-old driver could lower their policy premium by $276 a year by switching from a $100 deductible up to a $500 deductible, or save $418 by using a $1,000 deductible. Youthful drivers, such as the Age 20 example, could drop their prices up to $704 or more just by choosing higher deductibles when buying full coverage. When increasing deductibles, it is a good idea to have additional funds in a savings account to cover the extra out-of-pocket expense that is associated with using high deductibles.

Impact of careless driving on car insurance rates

The best way to earn the most affordable car insurance premiums in Iowa for new drivers is to drive safe and not receive tickets or have accidents. The example below illustrates how traffic citations and at-fault accidents increase premium costs for different ages of insureds. Data assumes a married male driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 1937,2105,3535],[‘Age 30’, 1023,1189,2621],[‘Age 40’, 983,1149,2581],[‘Age 50’, 903,1067,2499],[‘Age 60’, 887,1053,2483],[‘Age 70’, 1019,1185,2615]]);var options = {title: ‘Accidents, Violations, and Iowa Car Insurance Prices’,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 above shows the average cost of a car insurance policy in Iowa per year with a clean driving record and no accidents is $1,125. Factor in one speeding ticket and the average cost rises to $1,291, an increase of $166 each year. Next add two accidents along with the one speeding ticket and the annual cost of car insurance for a learners permit jumps again to an average of $2,722. That’s an increase of $1,597, or $133 per month, just for not being attentive to the road!

Geico, State Farm, Allstate, and Progressive: Who is best?

If you’re looking for the best auto insurance for new drivers, the first places to look would be Geico, State Farm, Allstate, and Progressive. They all offer your standard coverages, but each one has different features and discounts that may influence which company you choose. The following table compares ratings for price and service, as well as some optional coverages that you can purchase from each one.