If you have been on the lookout for the best and cheapest car insurance for DUI in Iowa, MoneyGeek’s top pick is GEICO for both full and minimal coverage policies.
Auto Insurance
Getting Car Insurance in Iowa After a DUI (2024)
Updated: November 21, 2024
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Key Takeaways
In Iowa, the two cheapest providers for full coverage car insurance after a DUI are State Farm, with an annual cost of $671, and American Family, at $754 annually.
In Iowa, the top two cheapest providers for minimum coverage car insurance after a DUI are State Farm, with an average annual rate of $302, and Progressive, with an average annual rate of $345.
In Iowa, State Farm stands out as the best full coverage auto insurance provider after a DUI, offering an annual rate of $671, with notable accolades for affordability, customer satisfaction, and financial stability.
While automobile insurance is required in all jurisdictions, insurance companies are legally allowed to deny coverage to drivers who have a DUI on their record. However, insurance companies that continue to insure drivers following a DUI typically increase their premiums since these drivers are now deemed high-risk.
In Iowa, you can anticipate a 64.60% increase in your annual premiums following a DUI conviction. Additionally, you may face penalties, including license suspension and ignition interlock requirements.
Cheapest Car Insurance Companies in Iowa After a DUI
According to MoneyGeek’s research, the most affordable auto insurance policies after a DUI nationwide are State Farm and Progressive. However, in Iowa, the cheapest options for full coverage policies are State Farm and American Family. For minimum coverage policies, the cheapest options are State Farm and Progressive.
Cheapest Companies for Full Coverage in Iowa After a DUI
MoneyGeek’s extensive data compilation process research discovered that, on average, the lowest full coverage car insurance rates for drivers with a DUI are the following:
- State Farm: $671 per year
- American Family: $754 per year
Cheapest Car Insurance for Full Coverage After a DUI
| 1 | State Farm | $671 |
| 2 | American Family | $754 |
| 3 | Progressive | $795 |
| 4 | GEICO | $944 |
| 5 | USAA | $996 |
Cheapest Companies for Minimum Coverage in Iowa After a DUI
According to MoneyGeek's official data, the following insurers offer the most affordable minimum coverage plans for DUI offenders in Iowa, on average:
- State Farm: $302 per year
- Progressive: $345 per year
Cheapest Car Insurance for Minimum Coverage After a DUI
| State Farm | $302 |
| Progressive | $345 |
| USAA | $371 |
| American Family | $441 |
| GEICO | $443 |
| Farmers | $554 |
| Allstate | $635 |
| MetLife | $651 |
| Farm Bureau Mutual (IA Group) | $664 |
| Allied | $686 |
| Grinnell Mutual | $834 |
| Travelers | $1,120 |
MONEYGEEK EXPERT TIP
The cheapest automotive insurance is often the minimum coverage. However, state-mandated minimums for car insurance are frequently insufficient when it comes to protecting you financially in the event of an accident. This is because this coverage frequently only includes liability insurance, which pays for the costs of other drivers' injuries and property damage in the event of an accident where you are at fault.
Top Car Insurance Companies in Iowa After a DUI
MoneyGeek reviewed insurers based on their pricing, financial soundness and customer satisfaction to help you select the best policy. State Farm is the best insurer for a DUI in Iowa for full and minimum coverage. Progressive ranked second for minimum coverage, while American Family came in second for full coverage policies.
Best Companies for Full Coverage in Iowa After a DUI
State Farm and American Family are the leading providers of full coverage auto insurance for DUI offenders in Iowa. Take a closer look at our rankings below for additional information about each insurance company.
1
State FarmBest full coverage after a DUI
Score:4.5
State Farm offers a full coverage policy for drivers with no DUI to pay $616 annually. Those with a DUI conviction pay $671 annually, which is about an 8.94% increase.
More About State Farm
State Farm is a market leader in auto insurance, with the biggest market share in the country. State Farm's prices are affordable for drivers who want minimum or full coverage, have a speeding ticket or are underage. The insurer offers several discount opportunities.
2
American Family Insurance
Score:NaN
With American Family, drivers pay about $749 annually for full coverage car insurance without DUI. On the other hand, the average cost for DUI offenders jumps to $754, which is about a 0.73% increase.
More About American Family Insurance
American Family is a top-rated auto insurance provider with locations in 19 states. While American Family does not offer standard add-on coverages, they do offer a variety of discounts. These include loyalty and legacy savings.
Best Companies for Minimum Coverage in Iowa After a DUI
State Farm and Progressive are the best auto insurance companies in Iowa that provide minimum coverage for individuals with a DUI. While minimum coverage is the least expensive option for auto insurance, keep in mind that it may not cover all of your expenses in the event of an accident.
1
State FarmBest minimum coverage after a DUI
Score:4
If you've been convicted of a DUI in Iowa, the average annual cost of a State Farm minimum coverage policy is $302. Without a DUI, the identical coverage costs around $273. If you have a DUI on your record, your annual premiums with this firm will increase by 8.94%.
More About State Farm
State Farm is the top company in Iowa that provides minimum coverage for drivers with traffic tickets. It earned good ratings in a variety of categories. The company includes standard add-on coverages such as roadside assistance and compensation for rental cars. However, this insurance does not offer any distinctive coverage.
2
Progressive
Score:4
For drivers with no DUI, an insurance policy with Progressive can cost roughly $320 yearly. Meanwhile, drivers with a DUI pay roughly 8.91% more, which is approximately $345 annually.
More About Progressive
Progressive offers competitive automobile insurance rates for drivers who opt for minimum coverage, as well as those who have received a traffic ticket. On the other hand, Progressive is incredibly expensive for young drivers or minors. Progressive does, however, cover bespoke parts.
How Much Does Car Insurance Cost in Iowa After a DUI?
MoneyGeek discovered that the average annual price for full coverage car insurance increases by 64.60% in Iowa following a DUI. If you have a recent DUI conviction, you will spend around $1,259 per year for full coverage, compared to around $765 for the same coverage without a DUI conviction. Compare the cost of a full coverage policy before and after a DUI using the table below.
How long does a DUI affect the cost of your car insurance?
A look-back period is the duration a DUI conviction stays on a driver's record. Each successive DUI conviction during the look-back period significantly increases the penalty in order to deter repeat crimes. Look-back periods vary by state. Iowa has a 12-year look-back period for DUI offenses.
Average Cost
Full Coverage
$765
Average Cost with DUI
Full Coverage
$1,259Full coverage policy premiums after a DUI cost::$494 more
This is 65% more expensive.
Calculating the exact change in your rates following a DUI can be complicated. Due to the fact that you are now considered a risky driver, the cost of your Iowa auto insurance increases after a DUI. Utilize MoneyGeek's auto insurance calculator to get a more specific estimate of the impact of a DUI conviction on your premiums.
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Nov 21, 2024
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MONEYGEEK EXPERT TIP
A DUI's financial consequences cannot be underestimated. Along with increased car insurance rates, a DUI will result in the following expenses:
- Fines, court and legal fees: A DUI conviction typically results in fines and different court fees in addition to the cost of a counsel to assist you in posting bail or contesting an unjust charge.
- Towing/impound fee: If your vehicle is towed and confiscated as a result of an arrest, you will be required to pay to reclaim it.
- Drug education and treatment: Following a first violation, you might be ordered to participate in an alcohol or substance education program.
- DMV reinstatement fee: After your license is canceled, you must pay a premium to renew your driving privileges.
Getting Car Insurance in Iowa After a DUI
Obtaining car insurance following a DUI could be difficult. Due to the fact that many vehicle insurance firms are privately held businesses, they can deny service to drivers they deem uninsurable. The duration of a state's look-back period can exacerbate these difficulties. A DUI conviction in Iowa remains on a driver's record for 12 years.
Following a DUI conviction, you will almost certainly face increased insurance premiums totaling hundreds or thousands of dollars. It's important to shop around for insurers that offer policies for high-risk drivers. Comparing quotes from various providers will help you get the best rate possible for your circumstances.
MONEYGEEK EXPERT TIP
It is important to note that drivers guilty of a DUI in Iowa are required to obtain an SR-22 insurance form. This is a document that your insurer presents to the state on your behalf to prove that you are carrying the state's necessary minimum insurance coverage. SR-22 insurance in Iowa carries additional charges, like filing fees and the loss of discounts, which you should be aware of.
Iowa DUI Laws
Driving while impaired by alcohol or drugs carries serious legal implications. While DUI penalties vary by state, they frequently include license suspension, penalties, charges, placement of an ignition interlock device (IID) and prison sentences. In the table below, MoneyGeek details many Iowa DUI laws that you should know.
Driving with a BAC at or above 0.08% is considered a DUI
An individual's blood alcohol content (BAC) indicates the level of alcohol present in the bloodstream.
The DUI BAC limit in Iowa is 0.08%, although you can be convicted with a lower BAC if your driving is visibly compromised.
Driving with a BAC of 0.15% will result in increased penalties
For a first offense, if your BAC level is greater than 0.15%, there is a mandatory imprisonment sentence of two days and a fine.
180-day administrative license suspension on first offense
Authorities may seize a driver's license from anybody who fails an alcohol test under Iowa's administrative license suspension laws. In Iowa, the suspension duration for first offenses is 180 days.
Limited driving privileges during suspension
After 30 days, you may apply for a restricted driver’s license that allows you to drive with limited rights.
Highly incentivized ignition interlocks
In Iowa, there are highly incentivized ignition interlocks for all convictions.
Open container laws
Yes, there are open container laws in Iowa.
Repeat offender laws
Yes, there are repeat offender laws in Iowa.
Auto Insurance
Frequently Asked Questions
When you are convicted of DUI, finding the best auto insurance after a DUI conviction in Iowa can be difficult. MoneyGeek answered several frequently asked questions to help you throughout the process.
Will my insurer continue to cover me if I get a DUI in Iowa?
Due to the fact that Iowa state law does not force insurance companies to continue covering DUI offenders, your insurer may decide not to renew your insurance once your policy expires. Contact your insurance provider personally to find out if they will continue to cover you.
How much do car insurance premiums increase in Iowa after a DUI?
In Iowa, rates can increase by up to 64.60% in the wake of a DUI. Annual premiums for full coverage auto insurance after a DUI in the state are $1,259, compared to $765 for the same coverage without a DUI.
What is the cheapest car insurance company in Iowa after a DUI?
State Farm is the best and cheapest auto insurance company in the state following a DUI conviction.
How long will having a DUI affect my car insurance rates?
Your car insurance premiums may be adjusted for a period of 12 years due to Iowa's look-back period. However, keep in mind that this is situational.
How do I get car insurance if I have a DUI?
It's best to shop around and do extensive research in order to find an insurer that covers high-risk drivers following a DUI conviction. You will have to collect and compare quotes from many companies in order to obtain the best rate available for your profile.
Methodology
To determine the top companies for individuals with DUIs in Iowa, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
sources
- Governors Highway Safety Association. "Alcohol Impaired Driving." Accessed November 21, 2024.
- Insurance Institute for Highway Safety. "Alcohol And Drugs." Accessed November 21, 2024.
- National Conference of State Legislatures. "Increased Penalties for High Blood Alcohol Content." Accessed November 21, 2024.
- Responsibility. "National Drunk Driving Statistics Map." Accessed November 21, 2024.