Car insurance calculator for teens in Iowa

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Car insurance for teens in Iowa costs more than it does for older drivers, but the price depends on factors like age, gender, coverage limits, and the insurer you choose. Knowing the state averages can help you budget, compare quotes, and figure out what’s realistic for your family.

Use our calculator to estimate what you might pay to insure your teen in Iowa. Getting a personalized estimate can help you budget with confidence, compare against state averages, and decide which coverage and insurer are the best fit.

Car insurance calculator for state teens

State

Iowa

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Gender

Male

Male Female Non-binary

Age

16

16171819

Coverage level Full coverage – 100/300/100 liability, $500 collision and $500 comprehensive deductibles. State minimum liability – Liability coverage limits vary by state, no coverage for physical damage to your vehicle. Liability only – 100/300/100 liability, no coverage for physical damage to your vehicle.

Full coverage

Full coverage State minimum liability Liability only

Filter

Average annual rates for state teen drivers

$6,544 Average rate

$11,186 Highest
rate

$3,543 Lowest
rate

Most expensive companies for auto insurance in ()

Company	Average annual rate
Allstate	$11,186
Grinnell Mutual	$10,486
West Bend Insurance Company	$8,113

Least expensive companies for auto insurance in ()

Company	Average annual rate
IMT Insurance	$3,543
USAA	$4,247
State Farm	$4,476

Average teen car insurance costs in Iowa

On average, insuring a teen driver in Iowa costs $4,422 per year for a policy with 100/300/100 coverage limits – that’s $100,000 for one person injured in an accident, $300,000 for all injuries in a single accident, and $100,000 for property damage – plus $500 deductibles for collision and comprehensive.

Because teens are new to the road, insurers view them as higher risk, which makes their premiums much steeper than those of adults.

Your rate may also change based on the coverage you select, the type of car your teen drives, and where you live. Families in Iowa can save money by asking about good student discounts, signing up teens for a driving course, or adding them to an existing family policy.

Teen car insurance costs in Iowa, by age

Premiums drop as teens gain experience. For example, a 16-year-old in Iowa with full coverage pays an average of $6,184 per year. By 19, the average rate is $3,318.

Though still higher than adult premiums, the steady decline shows how added years of driving lead to more affordable coverage.

See the table below for average teen car insurance costs in Iowa by age.

Teen car insurance in Iowa, by gender

In most states, insurers can use gender when setting rates. California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania are the exceptions. In Iowa, a 16-year-old male driver pays about $6,544 annually, while a female of the same age pays $5,824 – a difference of $720.

Crash statistics back up this difference. The Insurance Institute for Highway Safety reports that 3,048 teenagers ages 13-19 died in vehicle crashes in 2023, and two out of three were male. Because young men are more often involved in serious accidents, insurers factor that risk into premiums.

The table below shows average teen car insurance rates in Iowa by gender.

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Cheapest car insurance companies for teen drivers in Iowa

Car insurance for teen drivers is expensive, but some insurers offer more affordable rates than others, which is why comparing quotes from multiple insurers is the best way to find the cheapest coverage for your teen.

In Iowa, IMT Insurance offers the lowest rates for drivers ages 16-19, averaging $2,966 per year for full coverage with 100/300/100 limits and $500 deductibles for collision and comprehensive.

The second-cheapest option for teen drivers in Iowa is State Farm, with an average annual premium of $3,380.

The table below highlights the cheapest car insurance companies for teens in Iowa.

Minimum car insurance requirements for teens in Iowa

In Iowa, teen drivers must carry the same minimum liability coverage as adults before getting behind the wheel. That includes:

• $20,000 in bodily injury liability per person
• $40,000 in bodily injury liability per accident
• $15,000 in property damage liability

State-minimum limits offer only basic protection, and the cost of medical care or vehicle repairs can easily exceed them. That’s why it’s wise to choose higher coverage limits-especially when adding a new teen driver to your policy.

If your car is financed or leased, your lender will require comprehensive and collision coverage. These protections help pay for repairs to your own vehicle after an accident, theft, or weather damage.

Smart ways to save on car insurance for your teen

There’s no avoiding the fact that insuring a teen driver costs more, but you can take steps to manage the expense while keeping them safe on the road:

• Check state averages. Knowing what families typically pay in your state gives you a ballpark figure to budget and compare against quotes.
• Choose the right car. A safe, reliable sedan is far cheaper to insure than a luxury or sports car.
• Consider full coverage. Liability is cheaper, but full coverage offers better protection against accidents, injuries, and costly repairs.
• Ask about discounts. Many insurers reward good grades, defensive driving courses, or low mileage with lower rates.
• Talk with your teen. Driving isn’t just freedom – it’s responsibility. Open conversations about risks and safety can encourage habits that save lives.
• Review your rates each year. Premiums usually drop as your teen gains experience and keeps a clean record, so it’s worth checking annually.

Giving your teen a safe start on the road

Adding a teen driver to your policy will raise costs at first, but rates typically decline as they gain experience.

You can keep expenses under control by comparing quotes, bundling policies, and taking advantage of discounts. More importantly, the right coverage helps your teen build confidence and keeps your family financially protected as they start driving.

Methodology

Insure.com analyzed rates collected from Quadrant Information Services for teen male and female drivers aged 16-19 for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

To evaluate the premiums, our data experts compared rates 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes. The rates are for comparison purposes only; your exact rates may vary.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

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