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Do you need cheap auto insurance in Iowa City, IA? At AutoInsuranceEZ.com, you can get the very best insurance rates locally. To get free car insurance quotes from the leading providers today, provide your zip code into the quote box on this page.

Iowa City was the first capital of Iowa (before it was relocated to Des Moines in the 1850’s). The old capital building still stands there to this day as both a tourist attraction and an important fixture of The University of Iowa campus. Despite a recent history of natural disasters, Iowa City is recuperating well and has even been voted a good city for doing business by Forbes magazine.

  • Fun fact: Did you know that Iowa City is #1 on the list of “Top 101 cities with largest percentage of males working in industry: Health care (population 50,000+)”? Learn more about Iowa City.

Auto Insurance Coverage Requirements in Iowa

Driving legally in Iowa City requires:

Coverage Requirements Most Common
Bodily Injury Liability 20,000/40,000 100,000/300,000
Property Damage Liability Not required 100,000/300,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

Iowa demands even less of its motorists than other states, who typically require Property Damage Liability in addition to Bodily Injury. So just remember that your insurer will only pay for the medical expenses of anyone who

The state average for Iowa drivers runs at about $88 monthly for insurance premiums. However, savvy drivers in Iowa City can get rates as low as $22/mo* if they do a good job shopping for the best deal. For more information on Iowa car insurance, just keep reading.

Average Monthly Auto Insurance Premiums Legend: Iowa City State Farm American Family Grinnell Farmers Allstate 5 10 15 20 25 $19 $19 $19 $23 $29

 

American Family, State Farm, and Grinnell seem to be offering the lowest rates in the Iowa City metropolitan area. But do they also offer the most discounts? How is their customer service department rated? How easy is it to file a claim with them? These are all important questions to ask yourself when you’re shopping around for a policy.

Auto insurance carriers consider various variables when establishing insurance quotes, including marital status, where you live, occupation, years of driving experience, and multiple cars and drivers. Also keep in mind that, premiums vary from provider to provider. To verify you’re still receiving the most favorable rate, compare cheap Iowa auto insurance quotes online.

Major Car Insurance Factors in Iowa City

Insurance companies take many factors into account when creating an auto insurance policy. Unfortunately, many of these variables are difficult or impossible to change, such as your gender or where you park your car each night. Other factors your car insurance company may consider include:

  • Your Zip Code

Your auto insurance rates may differ depending on where you call home. In general, highly populated cities have higher auto insurance rates because the extra amount of drivers on the road increases the likelihood of an accident! The population of Iowa City is 71,591 and the median household income is $39,467.

Auto Insurance by Zip Code Legend: Des Moines Cedar Rapids Davenport Iowa City Sioux City State Farm American Family Grinnell Farmers Allstate 5 10 15 20 25 30 $25 $21 $26 $19 $27 $27 $21 $26 $19 $25 $27 $21 $21 $19 $26 $28 $23 $28 $23 $26 $32 $30 $32 $29 $33

 

  • Automotive Accidents

Thankfully, accident statistics in Iowa City are fairly low, especially considering the sizeable population. Why is it important to know about accident statistics? Because your insurance company may charge you higher rates for living in a zip code which suffers frequent accidents.

Fatal Accidents in Iowa City, IA Legend: Iowa City Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 2 3 1 2 2 1

 

  • Auto Thefts in Iowa City

Finding cheap auto insurance can be difficult if you are at risk for auto theft. Certain popular vehicle models are attractive to thieves, as well as vehicles which are parked often in large cities. The total number of stolen vehicles in Iowa City was 61 back in 2012. If you don’t anticipate becoming a victim of auto theft, you may be able to save money by reducing your Comprehensive coverage limits.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage State Farm American Family Grinnell Farmers Allstate 10 20 30 40 50 60 70 80 90 100 110 $19 $55 $19 $76 $19 $118 $23 $67 $29 $99

 

  • Your Credit Score

It turns out that your credit score is one of the biggest influential factors when it comes to determining your insurance premiums. Just look at the chart below. If you have poor credit, your rates could be anywhere from 2x higher (or more) than someone with better credit.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit State Farm American Family Grinnell Farmers Allstate 5 10 15 20 25 30 35 $15 $36 $17 $29 $18 $20 $20 $35 $26 $32

 

  • Your Age

The younger you are, and the less experience you have behind the wheel, the more likely you are to get into an accident. However, teenage drivers can reduce some of their insurance costs by looking into good student discounts, as well as taking Drivers Ed and defensive driving courses.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old State Farm American Family Grinnell Farmers Allstate 15 30 45 60 75 90 105 120 $19 $60 $19 $75 $19 Do Not Sell $23 $134 $29 $79

 

  • Your Driving Record

If you can keep a clean driving record, you can secure the lowest possible rate on your automotive insurance policy. Unfortunately, the more violations you add to your record, the more expensive your insurance will become. You may even lose your coverage completely depending on your provider, and the severity of the violations.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident State Farm American Family Grinnell Farmers Allstate 5 10 15 20 25 30 35 40 $19 $21 $21 $23 $19 $24 $35 $44 $19 $19 Do Not Sell $19 $23 $31 $35 $34 $29 $31 $36 $34

 

  • Your Vehicle

Expensive luxury vehicles aren’t just more expensive to insure because they cost more to replace. Odds are that you’re going to want to protect an expensive car with additional insurance coverage. And the more coverage you buy, the more you will have to pay in premiums.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder State Farm American Family Grinnell Farmers Allstate 15 30 45 60 75 90 105 120 135 $19 $80 $19 $115 $19 $128 $23 $95 $29 $143

 

Minor Car Insurance Factors in Iowa City

The factors below may also have an influence in your monthly premium, although they might be a little harder to control:

  • Your Marital Status

For single policies, marital status is a negligible factor when determining your premiums. However, married couples have the option of bundling their policies together. Most insurance providers will offer substantial discounts for this.

  • Your Gender

Our analysis of the data shows no significant difference in monthly premiums between male and female drivers. Some companies might charge women more, while others might charge men a higher rate. But even for companies who charge different prices, it usually varies by no more than 2-3%.

  • Your Driving Distance to Work

Commuting to work doesn’t take long in Iowa City; the average drive is only 13-16 minutes. Additionally, only about 60% of people choose to drive their own car in to the workplace. Between 3-14% of people prefer to carpool with one or more co-workers.

Some companies pay lip service to your purpose for driving, as well as the miles you drive each year. However, when you analyze the data, most of these factors barely make a dent in your monthly premium – for example, there may be no more than a 4% difference between driving fewer miles for work and tens of thousands of miles for pleasure each year. However, business vehicles tend to have about 10-15% higher premiums than regular vehicles.

  • Your Coverage and Deductibles

Want to save money on your insurance each month? Try raising your deductible. A higher deductible means you will be charged lower monthly premiums by your insurance company. However, it also means that your repairs will be more expensive if the worst occurs.

  • Education in Iowa City, IA

More than a quarter of residents in Iowa City have earned a bachelor’s degree, and a slightly smaller number have gone on to attain a master’s. This will likely save them money on their car insurance, since providers have started offering lower rates for drivers with advanced degrees. These discounts are even better than what you might get for having a good job, or a high salary.

The most notable institution for higher learning in Iowa City is the University of Iowa. It is a large, public institution and also the oldest state-sponsored university within the state of Iowa. Students can choose to pursue a professional degree, a bachelor’s, or a master’s from one of the school’s 11 colleges. UI is also a member of the “Big Ten Conference”.

Determining your individual financial risk can be very difficult or impossible for the typical insurance shopper. Insurance companies have an advantage over consumers due to their statistics and experiential knowledge. Learn what insurance companies don’t want you to know.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Iowa Department of Insurance

Iowa Licensing Agency

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

These Companies Offer Affordable Car Insurance in Iowa City, IA – Act Now

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