Who Has Cheap Auto Insurance for High School Students in Iowa?

One of the many considerations that establish the policy price is where you choose to live. Densely populated urban areas like Council Bluffs, Des Moines, and Bettendorf are more likely to have higher rates, whereas less populated areas benefit from having to pay less for coverage.

The following table displays the more expensive cities in Iowa for high school students to purchase a policy in.

Rate information is estimated as the garaging address in Iowa can modify premium rates significantly.

Cost and performance of the vehicle that needs insurance is probably the biggest factor when looking for the most economical auto insurance for high school students. Vehicles with economical engines, good crash test ratings, or a track record of few liability claims will cost quite a bit less to insure than high performance models.

The next tables estimates insurance rates for a selection of the most affordable automobiles to insure in Iowa.

Above prices assume single female driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and Iowa minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage prices considerably.

Data based on single female driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and Iowa minimum liability limits. Discounts applied include safe-driver, and claim-free. Table data does not factor in Iowa location which can modify coverage prices considerably.

Data variables include single female driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and Iowa minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in specific Iowa garaging location which can influence price quotes significantly.

Trying to buy cheap insurance is not the easiest thing to accomplish, and deciding which company quotes the most affordable car insurance rates for high school students involves even more rate comparisons. Coverage rates will probably be quite a bit pricier than the average price in Iowa because of the higher likelihood of claims that comes with selling insurance for teenagers, but competitive coverage may be possible with some perseverence.

Each insurance company uses a slightly different approach for determining rates, so let’s begin by examining the most budget-friendly car insurance companies in Iowa. It’s important that readers know that Iowa car insurance rates are impacted by many things that control the price of coverage. This price variability is why it is critical to shop around with many companies to get the lowest auto insurance rates for high school students. Rates are determined by many factors and can change without notice, so the cheapest option the last time you shopped around may now be priced much higher than other options.

Find the Cheapest Auto Insurance for Students

Click to Compare Rates Now

USAA generally has some of the lowest car insurance rates in Iowa at around $662 a year. Partners Mutual, Western National, Allied, and Hastings Mutual also are some of the lowest-priced Iowa auto insurance companies.

In this example, if you are insured with Partners Mutual and switched to USAA, you may realize yearly savings of in the vicinity of $15. Iowa drivers with Western National might save as much as $115 a year, and Allied insureds might lower prices by up to $117 a year.

To see if you’re overpaying, click here to get quotes or click through to the companies below.

Remember that these rates are averaged for all drivers and vehicles in Iowa and and are not figured with a rate increase for high school students. So the car insurance company that can offer you the best rate may not even be shown in the rate chart shown above. That emphasizes why you need to compare rates from multiple companies using your own personal information and vehicle type.

Iowa car insurance companies

Finding the top insurance provider can be challenging considering how many companies are available to choose from in Iowa. The ranking information displayed below can help you choose which insurers you want to consider shopping prices with. The rankings below are only made up of major nationwide insurance companies, so companies that may only write in Iowa are not included in these rankings.

Rate difference between full and liability-only coverage

Finding cheap auto insurance for high school students in Iowa is important to the majority of people, and one of the fastest ways to pay lower rates for insurance is to not insure for full coverage. The diagram below shows the comparison of yearly insurance costs when comparing full coverage to liability only. Data assumes no tickets, no at-fault accidents, $500 deductibles, drivers are not married, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 2205,763],[‘Age 30’, 1157,423],[‘Age 40’, 1139,393],[‘Age 50’, 1039,369],[‘Age 60’, 1005,363],[‘Age 70’, 1223,481]]);var options = {title: ‘Full Coverage and Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Iowa’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

Averaged for all ages 20 through 70, physical damage coverage costs an additional $1,295 per year more than insuring for liability only. That brings up the question if buying full coverage is worth the money. There isn’t a steadfast formula to delete physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

How to find economical insurance for high school students

It is possible to find better rates, and here are some of the better penny-pinching ideas that can help Iowa drivers quote more affordable car insurance.

• Serious violations like DUI or careless driving can make car insurance unaffordable
• Raise comprehensive and collision coverage deductibles
• Being accident-free can lower rates significantly
• Try to remain claim-free
• If your vehicles are older, consider dropping full coverage
• Keep rates low by shopping around frequently

The last item on the list is certainly necessary, as we pointed out in the article above. Prices charged by car insurance companies in Iowa can change significantly in a year, so drivers shouldn’t be resistant to change insurance companies if a lower price can be found.

Having a favorite company is great, but we do not recommend it if your bullheadedness ends up costing you money that could be used for better things. It takes less than five minutes to compare rates and find cheaper auto insurance for high school students.

Best cheap insurance quotes for teenagers

Drivers have a lot of different ways to find cheaper car insurance in Iowa, but the most prevalent are from a captive (or exclusive) agency such as State Farm or Allstate, a non-exclusive or independent agent, or from a direct company like Geico or Progressive. You can use whichever method you prefer, but car insurance shoppers should know the differences in how they provide price quotes.

Independent agents are appointed by several companies and can get rate quotes from each one. They are not restricted to one company and can give you a larger rate selection, which can give you a better chance of saving money. If they find a cheaper price, it’s easy for the agent to move the policy which prevents you from having to find a new agency.

An exclusive agent is usually restricted to one company, two popular examples being Allstate or State Farm agents. Exclusive agencies are unable to provide multiple price quotes, which will not provide a complete price comparison.

Choosing to buy car insurance direct means you skip the middleman (the agent) and instead shop buying direct from a company like Esurance or Geico. This car insurance option is a good choice for drivers who do not need high amounts of coverage and have knowledge of what coverages, limits, and deductibles they need.

So which one of the three ways works best for finding cheap auto insurance for high school students in Iowa? It would be premature to say buying from a direct car insurance company saves money since there is no need to pay agent commissions, but that is not always the case. A good argument could also be made that buying car insurance from an independent agent saves the most money since they have access to many companies, but again, that’s not accurate. In a lot of cases, exclusive agencies may have prices that other companies cannot beat.

Since car insurance rates vary so much, the best method to ensure the lowest rates is to compare rate quotes from as many companies as possible. If you want to save money, get prices from all three to get a good idea who is cheapest. To see some of the cheapest online companies available, click here to view.