Cheapest Car Insurance In Urbandale, IA 2024
GEICO offers the most affordable car insurance in Urbandale, costing an average of $37 per month for minimum coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
Searching for the most affordable car insurance in Urbandale, IA, can lead to a wide range of options.
GEICO stands out as the top choice for those seeking the lowest rates on liability-only insurance. On the other hand, Progressive provides the best deals for full coverage, while State Farm offers the most affordable rates for young drivers.
Cheapest Car Insurance Companies In Urbandale, IA 2024
Cheapest Liability-only Car Insurance In Urbandale: Cincinnati
In Urbandale, GEICO offers the most affordable minimum coverage car insurance, averaging $37 per month.
Refer to the table below to compare rates from various 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 Urbandale: Auto-Owners
Progressive offers the lowest full coverage car insurance rates, with an average quote of $92 per month in Urbandale.
The table below shows a comparison of average car insurance quotes from budget-friendly providers in Urbandale.
| 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
In Urbandale, State Farm offers the lowest car insurance rates for seniors, with an average cost of $87 per month.
The table below displays average quotes from the most affordable auto insurers 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 Urbandale For Teenagers: Nationwide
In Urbandale, teenage drivers can get the lowest car insurance rates from State Farm, with an average monthly cost of $313.
The table below lists the companies offering the lowest insurance rates for teenage drivers.
| 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 Urbandale: Travelers
In Urbandale, State Farm provides the lowest car insurance rates for young adults, with an average monthly premium of $238.
The table below allows you to compare the lowest auto insurance rates in Urbandale for young adults.
| 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 Urbandale For Good Drivers: Cincinnati
In Urbandale, GEICO offers the lowest car insurance rates for good drivers, with quotes averaging $37 per month.
If you’re a good driver, the table below can help you find average quotes from the most cost-effective insurance providers.
| 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 Urbandale rates
Cheapest Car Insurance In Urbandale After A Speeding Ticket: Auto-Owners
Compared to other insurers in Urbandale, State Farm is quite affordable, offering average rates of $176 per month for drivers with a speeding ticket.
The table below shows average rates for drivers with a speeding ticket.
| 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
State Farm provides the lowest car insurance rates for drivers with an at-fault accident, averaging $193 per month.
Below are the car insurance companies offering the lowest rates for drivers with an at-fault accident on their record.
| 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 Urbandale For Drivers After A DUI: State Farm
State Farm offers the lowest rates for drivers in Urbandale who have a DUI on their record, with average monthly premiums of $188.
The table below shows the lowest rates for drivers in Urbandale with 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 Urbandale
In Urbandale, AAA offers the most affordable insurance at $83 per month, followed by Progressive at $90 and GEICO at $93 monthly.
Below is a list of the top 10 car insurance providers in Urbandale, IA, ranked by 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 Urbandale – By Age
Age plays a significant role in determining car insurance rates. Younger drivers usually face higher premiums because of their inexperience and increased risk of accidents and violations. Teenagers, in particular, can expect to pay about $7,599 annually for car insurance.
Once drivers turn 25, their insurance rates typically start to drop, provided they have a clean driving history.
Drivers in their 50s and early 60s often enjoy the most competitive insurance rates, as insurers use age to evaluate driving experience and risk, which affects premium costs.
| 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 Urbandale – By Vehicle
The kind of car you drive greatly influences your insurance premiums. Insurers consider factors like the make, model, year, and body style of the vehicle. Generally, newer cars, especially luxury models with advanced features and high replacement costs, come with higher insurance rates.
The table below provides average rates in Urbandale for various types of vehicles.
| 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 Urbandale – By Zip Code
Insurers use zip codes to assess crime rates in your area, which is why car insurance rates vary by zip code.
The table below shows the average insurance rates for various zip codes in Urbandale.
| 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 ?
Where you live plays a significant role in determining your car insurance rates. Insurance providers assess factors like accident likelihood, theft, and vandalism, which tend to be more common in cities, leading to higher premiums.
As an example, car insurance in Los Angeles averages $243 per month, while San Diego residents typically pay around $176 per month.
| City | Average Monthly Rate |
| Davenport | $106 |
| Ames | $100 |
| Iowa City | $104 |
| Boone | $83 |
| Des Moines | $98 |
| Cedar Rapids | $101 |
| Dubuque | $114 |
| Clinton | $85 |
| Harlan | $95 |
| Council Bluffs | $116 |
Find affordable Urbandale rates
Our Methodology
After conducting an extensive analysis that covers customer service ratings, product offerings, pricing, and reviews from various online platforms, I’ve created a detailed overview of car insurance providers in Urbandale, IA.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Urbandale?
GEICO offers the most affordable rates for the minimum coverage required by California, while Progressive provides the best rates for full coverage, including comprehensive and collision protection.
What is the average cost of car insurance in Urbandale?
The typical monthly cost of car insurance in Urbandale is around $180, though rates can differ depending on factors like your zip code, vehicle make and model, driving history, and more.
