Who Has Cheap Auto Insurance Quotes for Safe Drivers in Iowa?

I’m sure you’ve seen the captivating commercials from companies like Progressive, State Farm, and The General that say if you switch you’ll get big savings, so you should just choose the one with the flashiest ad, right?

It’s not that simple, unfortunately, as there are many unknowns like whether you are a man or a woman, what liability limits you need, if you are married or single, and whether you have good credit, that all impact the price you pay. The content below covers the best ways to avoid paying too much and will hopefully give the reader a solid foundation to find cheaper car insurance in Iowa.

The vehicle driven is probably the biggest factor when comparing cheap auto insurance for safe drivers in Iowa. Vehicles with more horsepower, a lack of modern safety features, or a track record of large liability claims will cost more to insure than safer, lower-performance models.

The tables below illustrates coverage rates for a number of the more afforable automobiles to buy coverage for.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Iowa minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Estimates do not factor in vehicle garaging location which can decrease or increase rates noticeably.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Iowa minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Prices do not factor in specific location which can change premiums substantially.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Iowa minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Premium amounts do not factor in garaging location in Iowa which can impact premium rates greatly.

Determining which companies offer the best car insurance rates for safe drivers will involve a bit more work than just picking a company at random. Every car insurance company uses different criteria for determining rates in each state, so we’ll go over the car insurance companies that tend to have lower prices in Iowa.

Best Cheap Insurance Rates for Safe Drivers

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USAA may have some of the most affordable car insurance rates in Iowa at around $662 a year. Partners Mutual, Allied, Western National, and State Farm also rank well as some of the cheapest Iowa insurance companies.

As illustrated above, if you are insured with Allied and switched to USAA, you might realize yearly savings of approxmiately $125. Customers with Western National could save as much as $139 a year, and State Farm customers might lower prices by $229 a year.

To find out how your current rates compare, click here to begin a quote or quote prices from the following companies.

Bear in mind that those policy rates are averages for all drivers and vehicles in Iowa and and are not figured with a price decrease for safe drivers. So the insurer that is best suited for you may not even be featured in the above rate chart. That underscores the importance of why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.

Buying coverage from the highest-rated auto insurance provider can be challenging considering how many companies sell coverage in Iowa. The company information in the lists below could help you analyze which providers you want to consider to insure your vehicles.

The rankings below are only comprised of companies that insure vehicles across America, so companies with more of a regional focus are not included in the list. If you’d like to compare prices from the most competitive companies in Iowa, click here.

Top 10 Large Auto Insurers in Iowa Ranked by Customer Service

1. Nationwide
2. State Farm
3. Safeco Insurance
4. American Family
5. Liberty Mutual
6. GEICO
7. Travelers
8. Allstate
9. The Hartford
10. Esurance

Top 10 Large Auto Insurers 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-

The diagram below highlights how deductible selection can impact insurance premiums when trying to find cheap insurance for safe drivers. The rates are based on a married female driver, comp and collision included, and no discounts are taken into consideration.

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As shown above, a 30-year-old driver could save $198 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $300 by switching to a $1,000 deductible. Young drivers, like the 20-year-old example, could lower their rates up to $424 or more just by choosing higher deductibles. If you do make the decision to raise your deductibles, it will be required to have plenty of discretionary funds to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

State Farm vs Progressive vs Allstate vs Geico

If you want the best auto insurance for good drivers in Iowa, some of the first companies to look at are State Farm, Progressive, Allstate, and Geico. When combined, they make up 48.5% of all car insurance policies written. The data below shows some of the different options you can expect with each one.