Liability insurance is required for all Iowan drivers, making car insurance a necessary financial expense. With so many commercials focusing on the importance of affordable car insurance, drivers should be aware of what can impact their rates. Speeding is considered a risky driving behavior because it can cause serious or fatal accidents. In fact, over 9,400 deaths were attributed to speeding in 2019 alone. This risk is why getting a speeding ticket is one of the most common violations that could impact your car insurance premium.

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How much is a speeding ticket in Iowa?

Moving violations are taken very seriously under Iowa law, but how much is a speeding ticket in Iowa? Fines for the violation itself increase based on the miles per hour a driver exceeds the posted speed limit and can range from $20 to $100 or more just for the scheduled fine. Surcharges and court costs may be added to the total charge. Speeding in a work zone could also lead to significant fines, up to $1,000, depending on the miles per hour over the speed limit. Drivers also receive hefty fines for speeding in a school zone.

How much does a speeding ticket increase your car insurance in Iowa?

Does your insurance go up for a speeding ticket in Iowa? It can. Getting a speeding ticket in Iowa can come with pricey financial consequences. On top of associated state fines and court costs, a speeding ticket cost in Iowa likely involves an increase in Iowa car insurance premiums. The table below indicates the average percentage increase in annual auto premiums for full coverage after getting a speeding ticket:

Age Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
18-year-old male $3,725 $4,362 17%
18-year-old female $2,986 $3,521 18%
40-year-old male $1,304 $1,560 20%
40-year-old female $1,271 $1,516 19%

Insurance rate hikes for male drivers and young drivers can be even more shocking after a speeding ticket due to already high base rates. These rate differences are because male drivers are more likely to speed or engage in risky driving habits, while statistically, young drivers are more likely to be involved in car accidents.

How to lower your car insurance after a speeding ticket in Iowa

Premium increases are one of the most expensive consequences of getting a speeding ticket. However, a driver may get a speeding ticket at least once in their life so premium increases are sometimes unavoidable. Luckily, there are a few steps to help save money on car insurance after receiving a moving violation.

Get quotes from other car insurance companies

Iowa drivers who want to get the best rate on their car insurance should consider shopping around at other companies after a premium increase. Since car insurance carriers determine their rates based on factors like age, gender, location, driving record, insurance history and vehicle type, a better rate may be available at a different company. The table below provides an overview of the average annual premium before and after a speeding ticket from some of the most common insurance carriers:

Car insurance company Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
Allstate $2,302 $2,681 16%
American Family $1,766 $1,964 11%
Auto-Owners $1,395 $1,574 13%
Donegal $1,488 $1,878 26%
Farmers $1,931 $2,416 25%
Geico $1,421 $1,680 18%
Grange $1,532 $1,956 28%
Hastings Mutual $943 $1,085 15%
IMT $1,618 $1,908 18%
Iowa Farm Bureau $1,314 $1,505 15%
Nationwide $1,423 $1,696 19%
Pekin $758 $956 26%
Progressive $1,545 $1,979 28%
State Farm $1,453 $1,688 16%
USAA $1,176 $1,410 20%
West Bend $1,135 $1,536 35%

*Premiums are average annual full coverage premiums for 40-year-olds

When getting quotes for car insurance after a ticket, remember that price is not the only factor to take into consideration. Drivers might want to also research whether the company has a good customer satisfaction rating and an easy claims filing process.

Research available discounts

Even with a rate increase on car insurance, drivers might still be able to save money by applying a discount to their policy. Drivers may not be getting all of the discounts they are eligible to receive. It helps to first check with an insurance agent. Iowa drivers may be able to save a few dollars by utilizing a multi-policy discount, good student discount or even an employer discount depending on where they work.

Evaluate your coverage

For drivers trying to save money on car insurance after getting a ticket, it may be the perfect time to evaluate current insurance coverage. Based on unique needs and vehicle usage, drivers may be paying for coverage you do not need. If this is the case, consider cancelling the individual coverage that is no longer necessary and potentially save some money.

Other speeding ticket considerations

Although the severity of a speeding ticket can vary by state, personal driving record and the amount of miles per hour exceeding the posted speed limit, Iowa classifies speeding as a simple misdemeanor. This classification means that on top of state fines and court costs, drivers who receive major or excessive speeding violations may risk suspension or loss of their license. Speeding excessively in a school zone could also result in excessive fines and jail time. These penalties would be in addition to the increase in insurance rates, making speeding a pretty costly event.

Frequently asked questions

What is the best car insurance company for drivers with speeding tickets?

The best car insurance company for drivers with speeding tickets will vary based on individual needs. If you are unhappy with your current company, you can always switch carriers. Our list of the best car insurance companies of 2021 is a great place to start researching other carriers for a quote.

What is the minimum required amount of insurance in Iowa?

Liability insurance is a mandated coverage in the state of Iowa. Iowa drivers must carry a minimum of $20,000 in bodily injury coverage per person up to $40,000 in bodily injury per accident. Drivers must also carry $15,000 of property damage liability. However, most insurance agents would advise drivers to carry higher than the minimum limits of liability since accident-related medical costs could add up very quickly.

How much does car insurance cost in Iowa?

Although car insurance premiums will vary based on each driver’s individual situation, Iowa drivers typically enjoy lower premiums than many other states. The average cost of a full coverage policy in Iowa is approximately $1,260 per year or about $105 per month. This is significantly lower than the national average of $1,674 annually or $139.50 a month.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 18-year-old and 40-year-old male and female drivers with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket.

These are sample rates and should only be used for comparative purposes.