Cheap Car Insurance for State Employees in Iowa

For state workers, one of the largest criteria used to establish car insurance rates is where you keep your vehicle in Iowa. More populated areas like Council Bluffs, Des Moines, and Waterloo tend to have higher auto insurance costs, whereas areas with less traffic congestion and claims have the benefit of cheap auto insurance for state employees in Iowa.

The information below sorts the highest-priced places in Iowa for state employees in which to purchase auto insurance.

Premium costs are comparative as the specific area where the vehicle is garaged can increase or decrease prices considerably.

Shopping around for cheap insurance is difficult, and finding out which companies quote the most affordable insurance rates for state employees will involve even more shopping around. Every auto insurer uses a slightly different approach to set premium rates, so let’s begin by examining the lowest cost insurance companies in Iowa.

It’s important to understand that Iowa insurance rates are determined by lots of factors which can substantially change the price you pay. Getting older, buying a different home, or having an at-fault accident can trigger changes in premium resulting in some companies being cheaper than competitors.

Best Auto Insurance Prices in Iowa

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USAA may offer some of the most affordable car insurance rates in Iowa at around $669 each year. Partners Mutual, Western National, Allied, and Hastings Mutual would also be considered some of the lowest-priced Iowa car insurance companies.

As the rates illustrate above, if you are a policyholder with Allied and switched to USAA, you might see savings of in the neighborhood of $134. Policyholders with Hastings Mutual could save as much as $229 a year, and State Farm policyholders might reduce prices by as much as $249 a year.

These policy rates are averaged for all insureds and vehicles and and are not figured with a rate decrease for state employees. So the company that is most affordable for your situation may not even be included in the company chart above. That affirms the importance of why you need to quote rates from as many companies as possible using your own individual information.

The car, truck, or SUV to be insured is one of the primary factors that determines if you can find cheap auto insurance for state employees in Iowa. Vehicles with high performance features, a lack of safety features, or an increased likelihood of liability claims will cost substantially more to insure than safer models. The next list features insurance premiums for the most cost-effective vehicles to insure in Iowa.

Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Iowa minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rate information does not factor in the specific area where the vehicle is garaged which can alter insurance rates substantially.

Based upon the table data, you can infer that makes and models like the Honda CR-V, Ford Escape, Chevrolet Traverse, Ford Explorer, and Kia Forte are a few of the most economical vehicles to insure for state workers.

The example below highlights how deductible selection can affect insurance costs when researching cheap insurance for state employees. The data is based on a married male driver, comprehensive and collision coverage, and no discounts are applied.

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In the chart above, a 40-year-old driver could reduce rates by $176 a year by changing from a $100 deductible up to a $500 deductible, or save $264 by changing to a $1,000 deductible. Even younger insureds, such as the Age 20 example, have the ability to save $580 or even more by choosing a higher deductible.

When increasing deductibles, it is important to have plenty of money set aside to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Which auto insurance company is best?

When buying auto insurance for state workers in Iowa, the companies that insure more vehicles than anyone else are Progressive, Geico, Allstate, and State Farm. They all have your normal coverages like liability, comprehensive, and collision, but each one offers a unique set of features, discounts, and options that you can select from. The following table breaks down ratings for price and service, as well as some optional coverages that policyholders can buy.