Iowa might be known for many things, like corn and the famous Iowa State Fair, but it’s also known for cheap car insurance. In fact, living in Iowa can save you up to 20% off the national average car insurance cost. And although hogs outnumber people 4 to 1 in the Hawkeye State, there’s plenty of demand for affordable car insurance.
But does cheap car insurance mean subpar coverage and service? And how much can you really save? We’ll explore all that and more, next.
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Each state sets its own minimum required car insurance coverage. In the Hawkeye State, that means you need to have the following in place before getting behind the wheel:
If you’re tempted to go without insurance, think again: the fines and penalties can be hefty. We’re talking a fine of $325-$645, possible vehicle impoundment and driver’s license suspension, vehicle towing and storage fees, a new driving exam, and more.
Keep in mind that having the minimum required coverage might be your cheapest option in Iowa, but it gives you little in the way of protection. It doesn’t cover damages to your vehicle or any of your medical costs, which leaves you on the hook for potentially hefty costs even in the event of a small fender-bender, let alone a full accident.
But getting yourself more than minimum car insurance coverage doesn’t have to break the bank. Keep reading for that and more.
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Before we dive into ways to save, it helps to know the average cost of car insurance in Iowa. After all, it might be cheaper than you think, which can help you get even more coverage. Here are the stats:
This can be compared to the U.S. national average costs: $622 for minimum coverage, and $2,014 for full coverage.
Iowa drivers are already saving on car insurance coverage just by living in the Hawkeye State, especially compared to neighbors like Minnesota and Illinois where the car insurance costs run higher.
Of course, your actual car insurance quotes can vary depending on a number of factors. The car you drive, your gender and age, and your driving history all play a role when it comes to calculating your quotes. Where you live in Iowa also has an impact: Ankeny has the cheapest car insurance in Iowa but expects to pay more in Sioux City.
Next, we’ll show you ways to find savings on your car insurance in Iowa. But if you want to know how much you’ll pay, click here for access to free quotes.
Cheap car insurance doesn’t have to mean low-quality insurance. You can find great coverage with savings so that you don’t have to skimp on the coverage you want. Here are some tried-and-true tips for saving on Iowa car insurance:
Aside from these, maintaining a clean driving history is your ticket to paying low car insurance premiums. Even if you have accidents or moving violations on your record, they will eventually drop off and your rates will lower, provided you don’t incur any new infractions.
You can also impact your car insurance costs by maintaining a good credit score. Some states restrict the use of credit scores for calculating car insurance, but Iowa isn’t one of them. Paying your bills on time and reviewing your credit score regularly for errors can directly impact how much you pay for car insurance.
Want even more savings? Read more here.
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Now that you know what to expect in terms of car insurance costs and coverage options in Iowa, it’s time to get quotes. Luckily, this step is easy: simply search online for car insurance quotes in your area, or contact your insurance agent. Be sure to have your information ready, like your VIN, driving history, previous insurance, and personal information, so that you can get accurate quotes.
In a hurry? Get access to free quotes fast just by clicking here. We’ve got you covered.
