Cheapest Car Insurance In Council Bluffs, IA 2024
For those in Council Bluffs, GEICO delivers the most budget-friendly minimum coverage car insurance, costing $37 per month on average.
We’ve saved shoppers an average of $600 per year on their car insurance.
In Council Bluffs, IA, finding the lowest-cost car insurance can be a challenge due to the wide range of prices.
For drivers prioritizing low-cost liability-only insurance, GEICO is the clear winner. Those seeking full coverage at an affordable price turn to Progressive, and young drivers benefit most from State Farm’s rates.
Cheapest Car Insurance Companies In Council Bluffs, IA 2024
Cheapest Liability-only Car Insurance In Council Bluffs: Cincinnati
Council Bluffs residents can get the lowest-cost minimum coverage car insurance from GEICO, averaging $37 a month.
Use the table below to review and compare rates from different insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati Insurance | $30 | $360 |
| Travelers | $41 | $490 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Cheapest Full Coverage Insurance Rates In Council Bluffs: Auto-Owners
Progressive’s full coverage car insurance is the most budget-friendly in Council Bluffs, averaging $92 per month.
Check out the table below to compare the average auto insurance quotes from affordable providers in Council Bluffs.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $73 | $871 |
| Cincinnati | $80 | $962 |
| Nationwide | $74 | $884 |
| Shelter | $92 | $1,107 |
| Allstate | $124 | $1,490 |
Cheapest Car Insurance Rates For Seniors: Auto-Owners
State Farm has the most budget-friendly car insurance rates for seniors in Council Bluffs, averaging $87 per month.
The table below compares average quotes from low-cost auto insurance companies for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $68 | $814 |
| State Farm | $86 | $1,036 |
| Allstate | $133 | $1,590 |
| Shelter | $95 | $1,135 |
| GEICO | $112 | $1,344 |
Cheapest Rates In Council Bluffs For Teenagers: Nationwide
State Farm offers the best rates for teenage drivers in Council Bluffs, with average monthly premiums of $313.
The table below compares the companies offering the lowest rates for teenagers’ car insurance.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $155 | $1,865 |
| State Farm | $176 | $2,109 |
| Allstate | $167 | $2,007 |
| Travelers | $198 | $2,370 |
| Auto-Owners | $243 | $2,913 |
Cheapest Auto Insurance For Young Adults in Council Bluffs: Travelers
For young adults in Council Bluffs, State Farm has the cheapest car insurance, with an average cost of $238 per month.
Below is a table to help you compare the lowest auto insurance rates for young adults in Council Bluffs.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $91 | $1,092 |
| State Farm | $119 | $1,422 |
| Nationwide | $99 | $1,192 |
| Auto-Owners | $100 | $1,197 |
| Allstate | $130 | $1,560 |
Cheapest Car Insurance In Council Bluffs For Good Drivers: Cincinnati
With an average of $37 a month, GEICO offers the most budget-friendly car insurance for good drivers in Council Bluffs.
If you have a clean driving record, refer to the table below to find the best insurance quotes.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati Insurance | $30 | $360 |
| Shelter | $48 | $576 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Find affordable Council Bluffs rates
Cheapest Car Insurance In Council Bluffs After A Speeding Ticket: Auto-Owners
Drivers in Council Bluffs with a speeding ticket can find affordable coverage from State Farm, averaging $176 per month.
Check the table below for average rates for drivers who have a speeding ticket on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $80 | $964 |
| State Farm | $107 | $1,280 |
| Cincinnati Insurance | $95 | $1,140 |
| Allstate | $148 | $1,772 |
| Progressive | $136 | $1,632 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
In Council Bluffs, State Farm has the lowest rates for drivers with an at-fault incident, averaging $193 per month.
These are the insurance companies offering the lowest premiums for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $99 | $1,197 |
| Cincinnati Insurance | $167 | $2,004 |
| State Farm | $116 | $1,391 |
| GEICO | $217 | $2,600 |
| Progressive | $124 | $1,490 |
Cheapest Rates In Council Bluffs For Drivers After A DUI: State Farm
State Farm offers the best value for Council Bluffs drivers after a DUI, with monthly premiums averaging $188.
Check the table below for the cheapest car insurance options for Council Bluffs drivers after a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $107 | $1,282 |
| Nationwide | $138 | $1,657 |
| Allstate | $166 | $1,992 |
| Auto-Owners | $171 | $2,051 |
| Cincinnati | $213 | $2,555 |
Best Car Insurance Companies In Council Bluffs
AAA offers the best value in Council Bluffs, with monthly premiums starting at $83. Progressive charges $90 a month, and GEICO offers rates at $93.
Listed below are the top 10 car insurance companies in Council Bluffs, IA, ranked according to their average monthly rates.
| Company | Monthly Premium |
| Cincinnati Insurance | $30 |
| Kentucky Farm Bureau | $39 |
| Travelers | $41 |
| Auto-Owners | $37 |
| State Farm | $50 |
| Nationwide | $43 |
| Allstate | $76 |
| GEICO | $53 |
| Shelter | $50 |
| Westfield | $62 |
| Grange Insurance | $89 |
Average Auto Insurance Rates In Council Bluffs – By Age
Age is a key factor in calculating car insurance premiums. Younger drivers, especially teens, face higher rates because they’re more likely to be involved in accidents or receive traffic violations. Teen drivers typically pay around $7,599 per year.
As drivers reach the age of 25, their rates often begin to lower, assuming they have no recent traffic violations.
Insurance providers often offer the most affordable rates to drivers in their 50s and early 60s, as they are seen as more experienced and less prone to accidents.
| Age | Average Yearly Rate |
| Teenagers | $4,080 |
| 20s | $2,100 |
| 30s | $1,704 |
| 40s | $1,500 |
| 50s | $1,370 |
| 60s | $1,440 |
| 70s | $1,632 |
Average Rates In Council Bluffs – By Vehicle
Insurance companies consider the make, model, year, and body type of your vehicle when calculating your premiums. Newer cars, especially luxury models with advanced tech, usually have higher insurance costs.
Check out the table below to find the average rates for various cars in Council Bluffs.
| Vehicle | Average Monthly Rate |
| Hyundai Sonata | $970 |
| Audi A3 | $129 |
| Toyota Prius | $192 |
| Chevrolet Equinox | $360 |
| Kia Optima | $460 |
Average Cost Of Auto Insurance In Council Bluffs – By Zip Code
Since zip codes help insurers determine local crime statistics, car insurance rates can vary based on where you live.
Check the table below to find average car insurance rates by zip code in Council Bluffs.
| Zip Code | Average Monthly Rate |
| 40509 | $153 |
| 40511 | $130 |
| 40516 | $105 |
| 40504 | $124 |
| 40515 | $165 |
How Much Is Car Insurance In Other Cities in Iowa?
The location of your home affects your car insurance costs. In cities, where the likelihood of accidents and vehicle theft is higher, premiums are generally more expensive.
In cities like Los Angeles, car insurance costs around $243 per month, while San Diego residents typically pay $176 a month.
| City | Average Monthly Rate |
| Urbandale | $99 |
| Waterloo | $104 |
| Dubuque | $118 |
| Ames | $110 |
| Sioux City | $108 |
| Cedar Rapids | $105 |
| Davenport | $118 |
| Harlan | $90 |
| Boone | $100 |
| Des Moines | $112 |
Find affordable Council Bluffs rates
Our Methodology
Through a detailed evaluation of pricing, product variety, customer service, and online user reviews, I’ve provided a comprehensive breakdown of car insurance providers in Council Bluffs, IA.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Council Bluffs?
The lowest rates for minimum coverage in Council Bluffs are available through GEICO, while Progressive offers the best prices for full coverage, including comprehensive and collision coverage.
What is the average cost of car insurance in Council Bluffs?
In Council Bluffs, the average monthly car insurance premium is roughly $180, though factors like zip code, car make, model, and your driving record can affect the price.
