Cheapest Car Insurance In Waterloo, IA 2024
For those in Waterloo, Progressive is the least expensive option for minimum coverage car insurance, with an average monthly rate of $17.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the lowest-priced car insurance in Waterloo, IA, can present many varying options.
For drivers seeking low-cost liability-only coverage, Progressive is a top contender. American Family delivers the best prices for full coverage policies, while Travelers is the most budget-friendly for younger drivers.
Cheapest Car Insurance Companies In Waterloo, IA 2024
Cheapest Liability-only Car Insurance In Waterloo: Progressive
For drivers in Waterloo, Progressive stands out as the cheapest option for minimum coverage car insurance, costing $17 a month on average.
Check out the table below for a side-by-side comparison of rates from multiple insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $17 | $197 |
| State Farm | $20 | $240 |
| Iowa Farm Bureau | $25 | $298 |
| GEICO | $26 | $312 |
| Allstate | $48 | $580 |
Cheapest Full Coverage Insurance Rates In Waterloo: American Family
For full coverage car insurance in Waterloo, American Family is the cheapest option, with an average rate of $62 per month.
The table below highlights average car insurance rates from cost-effective companies in Waterloo.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $62 | $742 |
| State Farm | $65 | $782 |
| Progressive | $66 | $790 |
| GEICO | $70 | $837 |
| Allstate | $94 | $1,130 |
Cheapest Car Insurance Rates For Seniors: American Family
American Family offers the best rates for senior car insurance in Waterloo, with an average monthly premium of $54.
The table below compares average quotes from the most budget-friendly auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $54 | $650 |
| State Farm | $65 | $785 |
| Auto-Owners | $69 | $827 |
| Iowa Farm Bureau | $81 | $970 |
| Allstate | $95 | $1,138 |
Cheapest Rates In Waterloo For Teenagers: State Farm
For teenagers in Waterloo, State Farm provides the cheapest auto insurance, with an average monthly premium of $114.
The following table displays the companies with the most affordable insurance for teen drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $114 | $1,370 |
| Allstate | $139 | $1,670 |
| Auto-Owners | $161 | $1,932 |
| Travelers | $148 | $1,770 |
| Progressive | $155 | $1,860 |
Cheapest Auto Insurance For Young Adults in Waterloo: Travelers
For young adults in Waterloo, Travelers has the cheapest quotes, with rates averaging $70 a month.
Below, you’ll find a table comparing the cheapest auto insurance rates in Waterloo for young adult drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $70 | $830 |
| State Farm | $93 | $1,115 |
| Progressive | $103 | $1,235 |
| Auto-Owners | $105 | $1,260 |
| Allstate | $128 | $1,538 |
Cheapest Car Insurance In Waterloo For Good Drivers: Progressive
Progressive provides the cheapest car insurance for good drivers in Waterloo, with rates around $17 per month.
Use the table below to compare average quotes from the cheapest insurance companies if you’re a good driver.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $17 | $197 |
| State Farm | $20 | $240 |
| Iowa Farm Bureau | $25 | $298 |
| GEICO | $26 | $312 |
| Allstate | $48 | $580 |
Find affordable Waterloo rates
Cheapest Car Insurance In Waterloo After A Speeding Ticket: Travelers
In Waterloo, Travelers stands out for its low rates, averaging $80 a month for drivers with a speeding violation.
The following table displays average insurance rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $80 | $964 |
| GEICO | $91 | $1,090 |
| State Farm | $80 | $960 |
| Allstate | $111 | $1,336 |
| Auto-Owners | $139 | $1,672 |
Cheapest For Drivers With After At-Fault Accident: Travelers
With an average rate of $99 per month, Travelers offers the cheapest car insurance for drivers who’ve had an at-fault incident.
These car insurance companies offer the most affordable rates for drivers with an at-fault accident on their driving history.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $99 | $980 |
| Auto-Owners | $103 | $1,230 |
| Progressive | $116 | $1,391 |
| GEICO | $122 | $1,460 |
| Iowa Fram Bureau | $149 | $1,790 |
Cheapest Rates In Waterloo For Drivers After A DUI: American Family
After a DUI, American Family is the cheapest option in Waterloo, offering average rates of $74 per month.
Below is a table displaying the cheapest rates for drivers in Waterloo with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $74 | $890 |
| Travelers | $90 | $1,080 |
| State Farm | $80 | $960 |
| Allstate | $133 | $1,596 |
| Auto-Owners | $196 | $2,355 |
Best Car Insurance Companies In Waterloo
Drivers in Waterloo can save the most with Progressive, offering rates of $17 per month. State Farm is another option at $20, and Iowa Farm Bureau offers coverage for $25 a month.
The following list ranks the top 10 car insurance companies in Waterloo, IA, based on their average monthly rates.
| Company | Monthly Premium |
| Progressive | $17 |
| State Farm | $20 |
| Iowa Farm Bureau | $25 |
| GEICO | $26 |
| Allstate | $48 |
| Farmers | $46 |
| American Family | $27 |
| IMT Insurance | $38 |
| Travelers | $27 |
| WestBend Mutual | $23 |
| Grange Insurance | $27 |
Average Auto Insurance Rates In Waterloo – By Age
Car insurance rates are heavily influenced by age. Younger drivers tend to pay more due to their limited driving experience and the higher likelihood of accidents. Teenagers can expect an average annual cost of $2,030 for insurance.
At 25, drivers often see a reduction in their insurance rates, assuming they have no accidents or violations on their record.
Those in their 50s and early 60s typically receive the best insurance rates, as companies use age to determine driving experience and risk, impacting the cost of coverage.
| Age | Average Yearly Rate |
| Teenagers | $2,030 |
| 20s | $1,710 |
| 30s | $978 |
| 40s | $1,040 |
| 50s | $1,056 |
| 60s | $845 |
| 70s | $940 |
Average Rates In Waterloo – By Vehicle
Car insurance costs are heavily affected by the type of vehicle you own. Insurance providers factor in the make, model, year, and body style of your car. Newer, luxury vehicles with advanced technology and greater replacement costs often result in higher premiums.
Below, you’ll find average insurance premiums in Waterloo for a variety of vehicles.
| Vehicle | Average Monthly Rate |
| Ford F150 | $60 |
| Ford Econoline | $74 |
| Chevrolet Suburban | $70 |
| Kia Optima | $76 |
Average Cost Of Auto Insurance In Waterloo – By Zip Code
Insurance companies rely on zip codes to determine crime rates in your location, which results in varying insurance rates by zip code.
The table below displays the average car insurance rates for different zip codes in Waterloo.
| Zip Code | Average Monthly Rate |
| 50702 | $98 |
| 50707 | $96 |
| 50703 | $104 |
| 50701 | $101 |
How Much Is Car Insurance In Other Cities in Iowa ?
The city you live in can affect your car insurance premiums. Factors such as the risk of accidents, theft, and vandalism are often higher in city areas, which leads to increased rates.
In Council Bluffs, the average cost of car insurance is around $180 per month, while in Ames, it’s about $134 per month.
| City | Average Monthly Rate |
| Boone | $152 |
| Council Bluffs | $180 |
| Clinton | $149 |
| Davenport | $153 |
| Ames | $134 |
| Dubuque | $153 |
| Cedar Rapids | $150 |
| Des Moines | $157 |
| Harlan | $170 |
| Shenandoah | $174 |
Find affordable Waterloo rates
Our Methodology
By evaluating customer service, product variety, pricing, and insights from numerous online reviews, I’ve developed an in-depth perspective on the car insurance market in Waterloo, IA.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Waterloo?
For minimum coverage in Waterloo, Progressive offers the cheapest rates, while American Family is the most affordable option for full coverage that includes both comprehensive and collision.
What is the average cost of car insurance in Waterloo?
Car insurance in Waterloo generally costs about $100 per month, with rates varying based on elements like your zip code, car type, driving history, and other factors.
