Cheapest Car Insurance In Ames, IA 2024
Progressive is the most affordable choice in Ames, with an average cost of $20 per month for minimum coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for low-cost car insurance in Ames, IA, you’ll find a wide range of options.
Progressive leads in offering the lowest rates for liability-only coverage. For drivers needing more comprehensive protection, American Family provides the best rates for full coverage. Meanwhile, Safeco offers the most budget-friendly rates for young drivers.
Cheapest Car Insurance Companies In Ames, IA 2024
Cheapest Full Coverage Rates In Ames: American Family
American Family offers the cheapest car insurance rates for full coverage in Ames, with average quotes of $65 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $72 | $864 |
| West Bend Mutual | $70 | $936 |
| GEICO | $78 | $1,238 |
| Grange Insurance | $75 | $900 |
| American Family | $65 | $780 |
Most Affordable In Ames For Good Drivers: State Farm
Good drivers in Ames can find the cheapest car insurance quotes from State Farm, with rates around $60 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $130 | $1,560 |
| Travelers | $85 | $1,020 |
| State Farm | $60 | $720 |
| USAA | $90 | $1,080 |
| Progressive | $100 | $1,200 |
Cheapest For Seniors: State Farm
State Farm offers the cheapest car insurance rates for seniors in Ames, with average quotes of $45 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| IMT Insurance Company | $54 | $648 |
| Pekin Insurance | $55 | $660 |
| Auto-Owners Insurance Co | $48 | $576 |
| Farm Bureau Mutual (IA Group) | $50 | $600 |
| State Farm | $45 | $540 |
Cheapest For Young Adults: Safeco
Safeco offers the cheapest car insurance quotes for young adults in Ames, with rates around $55 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $70 | $840 |
| IMT Insurance Company | $100 | $1,200 |
| Safeco | $55 | $660 |
| Pekin Insurance | $95 | $1,140 |
| Nationwide ThreeSixZero | $60 | $720 |
Most Affordable Rates In Ames For Teenagers: USAA
Teenage drivers in Ames can find the cheapest car insurance quotes from USAA, with average monthly premiums of $65.
| Provider | Average Monthly Cost | Average Annual Cost |
| Hastings Mutual Insurance Co | $100 | $1,200 |
| Travelers | $80 | $960 |
| Auto-Owners Insurance Co | $85 | $1,020 |
| USAA | $65 | $780 |
| State Farm | $90 | $1,080 |
Cheapest Car Insurance In Ames After A Speeding Ticket: State Farm
State Farm is notably affordable compared to other companies, offering average rates of $73 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $73 | $876 |
| Allstate | $145 | $1,740 |
| USAA | $105 | $1,260 |
| Geico | $150 | $1,800 |
| Travelers | $120 | $1,440 |
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm provides the most affordable car insurance quotes for drivers with an at-fault incident, with an average rate of $75 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $115 | $1,380 |
| Geico | $160 | $1,920 |
| State Farm | $75 | $900 |
| Iowa Farm Bureau | $150 | $1,800 |
| USAA | $125 | $1,500 |
Cheapest Car Insurance In Ames For Drivers After A DUI: State Farm
State Farm is the company with the cheapest rates for drivers after a DUI, offering Ames drivers average monthly premiums of $65.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $195 | $2,340 |
| USAA | $140 | $1,680 |
| State Farm | $65 | $780 |
| Travelers | $125 | $1,500 |
| Progressive | $100 | $1,200 |
Cheapest Minimum Coverage Car Insurance In Ames: Progressive
Progressive is the cheapest car insurance company for minimum coverage in Ames, offering an average monthly cost of $20.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $25 | $300 |
| Westfield | $28 | $336 |
| Progressive | $20 | $240 |
| American Family | $35 | $420 |
| West Bend Mutual | $30 | $360 |
Best Car Insurance Companies In Ames
Below are the top 10 car insurance companies in Ames, IA, ranked by the average monthly rates they offer.
| Company | Monthly Premium |
| IMT Insurance Company | $75 |
| Hastings Mutual Insurance Co | $90 |
| Farm Bureau Mutual (IA Group) | $80 |
| Auto-Owners Insurance Co | $101 |
| SAFECO | $75 |
| American Family | $108 |
| Nationwide ThreeSixZero | $60 |
| USAA | $90 |
| State Farm | $55 |
| Pekin Insurance | $70 |
How Much Is Car Insurance In Other Cities in Iowa?
| City | Average Monthly Rate |
| Iowa City | $100 |
| Sioux City | $110 |
| Harlan | $88 |
| Cedar Rapids | $100 |
| Davenport | $120 |
| Des Moines | $110 |
| Urbandale | $95 |
| Council Bluffs | $115 |
| Waterloo | $105 |
| Dubuque | $112 |
Average Rates In Ames – By Age
| Age | Average Yearly Rate |
| Teenagers | $2,820 |
| 20s | $1,620 |
| 30s | $900 |
| 40s | $1,800 |
| 50s | $960 |
| 60s | $660 |
| 70s | $840 |
Average Rates In Ames – By Vehicle
| Vehicle | Average Monthly Rate |
| 2023 Kia Niro | $285 |
| 2008 Mitsubishi Lancer | $210 |
| 2015 Chrysler 200 | $315 |
| 2011 Toyota Camry | $60 |
| 2015 Ford F250 | $210 |
Our Methodology
Based on a thorough analysis of customer service ratings, product options, pricing, and reviews from various online sources, I’ve developed an in-depth overview of the car insurance landscape in Ames, IA.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Ames?
In Ames, Progressive offers the lowest rates for the minimum coverage required by the State of Iowa, while American Family provides the most affordable rates for full coverage, including comprehensive and collision insurance.
What is the average cost of car insurance in Ames?
In Ames, the average cost of car insurance is approximately $112 per month. Rates can vary based on factors such as your zip code, car model and year, and driving record.
