Cheap Car Insurance Quotes for Teenage Females in Iowa

Cheap Car Insurance Quotes for Teenage Females in Iowa

Because the topic is auto insurance, the word “cheap” really should not be used anywhere in the article. Please forgive the oxymoron, but cheap car insurance for teenage females does not exist. But don’t despair, because we will show you how you can still get coverage that is cheaper than your current policy.

Establishing which companies quote the lowest-priced car insurance rates for teenage females requires a little more work in order to find the best price. Each insurer uses a different method for setting prices, so we need to take a look at the car insurance companies with the most affordable rates in Iowa.

It’s important that you understand Iowa car insurance rates are impacted by many factors that may substantially change the policy price. Improving your credit score, adding a teenager to your policy, or having an accident can trigger price changes resulting in some rates now being cheaper than others.

Find the Cheapest Auto Insurance for Teens

Compare Rates and Save

Cheapest auto insurance in Iowa ranked by cost per year
Rank Company Cost Per Year
1 Partners Mutual $677
2 USAA $683
3 Allied $787
4 Western National $801
5 Hastings Mutual $871
6 State Farm $891
7 Nationwide $944
8 Auto-Owners $958
9 Farm Bureau Mutual $985
10 Travelers $1,000
11 Cameron Mutual $1,003
12 GEICO $1,004
13 Pekin Insurance $1,065
14 Progressive $1,084
15 Farmers $1,098
16 EMC $1,159
17 American Family $1,215
18 Grinnell $1,230
19 General Casualty $1,235
20 MetLife $1,298
Quote Your Rates Go

Partners Mutual may have some of the lowest car insurance rates in Iowa at around $677 annually. USAA, Allied, Western National, and Hastings Mutual would also be considered some of the lowest-priced Iowa auto insurance companies.

As shown in the rates above, if you are insured with USAA and switched to Partners Mutual, you could realize annual savings of around $6. Insureds with Allied could save as much as $110 a year, and Western National insureds might realize rate reductions of up to $124 a year.

If you would like to find cheap car insurance for teenage females in Iowa, click here to start a quote or visit any of the companies below.

It’s important to note that these premiums are averages for all drivers and vehicles and are not factoring in a rate surcharge for teenage females. So the car insurance company that can offer the best rates for your situation may not even be shown in the above rate chart. That illustrates why you need to quote rates from many companies using your own specific driver information and vehicle.

For teen girls, one of the largest factors that help determine a rate quote is where your residence is in Iowa. Larger areas like Council Bluffs, Des Moines, and Bettendorf tend to have more expensive car insurance rates, whereas more rural areas profit from lower rates.

The following table displays the more expensive cities in Iowa for teenage females to purchase car insurance in.

Where does Iowa rank for car insurance cost?
Rank City Premium Per Year
1 Council Bluffs $1,226
2 Sioux City $1,135
3 Des Moines $1,106
4 Davenport $1,101
5 Bettendorf $1,094
6 Fort Dodge $1,082
7 Waterloo $1,072
8 Urbandale $1,067
9 Clive $1,061
10 Cedar Falls $1,059
11 Burlington $1,059
12 Dubuque $1,055
13 Ottumwa $1,054
14 Clinton $1,044
15 West Des Moines $1,037
16 Muscatine $1,030
17 Cedar Rapids $1,017
18 Marshalltown $1,008
19 Mason City $990
20 Marion $984
Compare Rates Now Go

Rate quotes are approximated as specific location information can alter price quotes significantly.

Selecting a highly-rated insurance provider can be a challenge considering how many choices drivers have in Iowa. The ranking data in the next section could help you pick which car insurance companies you want to consider when trying to find cheaper insurance for teenage females.

The ratings below only include companies who write in the majority of U.S. states, so companies that only write business in Iowa or surrounding areas are not included in the list. If you wish to compare prices from these and other companies in Iowa, follow this link.

Top 10 Major Car Insurance Companies Overall in Iowa

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

Tips to find cheaper auto insurance for teenage females

The list below shows some of the recommended money-saving solutions that can help drivers buy more affordable coverage.

  • Do not pay for full coverage on older vehicles
  • Buying home and auto together can help save money
  • Buy vehicles with good safety ratings
  • Staying accident-free helps keep rates low
  • Improve your credit score
  • Compare rates often to find the best deal

The last suggestion is very crucial, as we stressed in this article. Prices charged by car insurance companies in Iowa fluctuate constantly, so don’t be unwilling to switch carriers if you find a cheaper price.

We understand brand loyalty, but is isn’t recommended if that devotedness results in you overpaying a lot of money every month. In just a couple of minutes you could compare prices and find cheaper car insurance for teenage females.

Best cheap insurance quotes for teen girls

There are many different ways to compare car insurance quotes in Iowa, but the three most common methods are through a non-exclusive or independent agent, a captive (or exclusive) agent like Allstate or Auto-Owners, or direct online or over the phone from a company like Progressive or Geico.

Each way is similar, but each is different in how they function.

Independent insurance agencies have contracts with multiple insurance companies and can get rate quotes from every one. These types of agencies will get prices from more than one company, which can help you get better odds of saving money. If you want to switch companies, they can switch companies in-house and you can remain with the same agent.

Exclusive agencies are ‘exlusive’ to a single company, two popular examples being Allstate or Farmers Insurance agents. They generally cannot quote prices from more than just one company, so always compare other rates.

Choosing to buy car insurance direct means you skip an exlusive or independent agent and instead shop from a direct company like Esurance or Progressive. Buying car insurance direct is good for consumers who have little risk and have an above average understanding of what coverages, limits, and deductibles they need.

So what is the best way to find cheap car insurance for teenage females in Iowa? One answer would be buying from a direct company saves the most money since no commissions are paid to an agent, but that is not always the case. We could also say that using an independent agent results in the cheapest rates since they have access to many companies, but that assumption is also not accurate. In some circumstances, the exclusive agents may have very competitive prices that other car insurance companies cannot touch.

Because there are so many factors that make up car insurance rates, the only real way to ensure you are not overpaying is to do a thorough rate comparison. Set aside the time to get quotes from all three to give yourself plenty of rates to compare. For a list of companies offering online discounts, click here to view.