Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Adel, IA for senior drivers are $1,636/year
  • The cheapest car insurance company in Adel after a DUI is Progressive
  • Average car insurance rates in Adel, IA are $246/month

Average car insurance rates in Adel, Iowa are $246 a month. But with a little research you can get a great deal from the top car insurance companies in Adel, IA. Before you buy Adel, Iowa car insurance, make sure your coverage meets or exceeds the Iowa minimum of 20/40/15.

It may even be helpful to compare Adel car insurance rates with Ames car insurance rates, Des Moines car insurance rates, or Ankeny car insurance rates to make sure you’re getting the best Adel, IA car insurance quotes available.

Need affordable Adel, IA car insurance? Enter your ZIP code to compare Adel car insurance quotes from multiple car insurance companies near you.

Adel, IA Minimum Car Insurance Coverage

Adel, Iowa law requires drivers carry a minimum of 20/40/15 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Adel, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Adel, IA Car Insurance Rates by Coverage Level

Some Adel drivers can get by with the Iowa minimum coverage of 20/40/15. Other drivers may need more. See how much your Adel, Iowa car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Adel, Iowa

Insurance Company Low Medium High
Allstate $3,026 $3,149 $3,258
American Family $2,825 $2,984 $2,670
Farmers $2,401 $2,518 $2,611
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,163 $4,334 $4,531
Nationwide $2,743 $2,624 $2,534
Progressive $2,182 $2,322 $2,430
State Farm $2,127 $2,252 $2,338
Travelers $5,066 $5,449 $5,592
USAA $1,735 $1,833 $1,915

Adel, IA Car Insurance Rates by Age, Gender, and Marital Status

Adel, Iowa car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Adel, IA car insurance, get quotes from multiple car insurance companies in the Adel area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Adel, Iowa

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,039 $1,947 $1,820 $1,850 $6,116 $6,915 $2,205 $2,263
American Family $1,812 $1,812 $1,626 $1,626 $4,909 $6,839 $1,812 $2,176
Farmers $1,546 $1,575 $1,383 $1,513 $4,711 $5,019 $2,094 $2,240
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,079 $2,258 $1,831 $2,225 $10,064 $11,330 $2,356 $2,597
Nationwide $1,814 $1,858 $1,617 $1,722 $4,260 $5,495 $2,063 $2,240
Progressive $1,590 $1,520 $1,314 $1,364 $4,100 $4,617 $1,914 $2,074
State Farm $1,448 $1,448 $1,275 $1,275 $3,961 $5,019 $1,629 $1,856
Travelers $2,411 $2,458 $2,358 $2,358 $10,786 $17,109 $2,516 $2,958
USAA $1,231 $1,249 $1,127 $1,155 $3,264 $3,477 $1,480 $1,638

Adel, IA Car Insurance Rates for Teens

How much is Adel, Iowa car insurance for teens? Compare rates from top Adel car insurance companies below to help find the cheapest teen car insurance in Adel, IA.

Annual Car Insurance Rates for Teen Drivers in Adel, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,116 $6,915
American Family $4,909 $6,839
Farmers $4,711 $5,019
GEICO $4,328 $4,022
Liberty Mutual $10,064 $11,330
Nationwide $4,260 $5,495
Progressive $4,100 $4,617
State Farm $3,961 $5,019
Travelers $10,786 $17,109
USAA $3,264 $3,477

Adel, IA Car Insurance Rates for Seniors

Before seniors buy Adel, Iowa car insurance, they should make sure to shop around. Some Adel, IA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Adel, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,820 $1,850
American Family $1,626 $1,626
Farmers $1,383 $1,513
GEICO $1,710 $1,564
Liberty Mutual $1,831 $2,225
Nationwide $1,617 $1,722
Progressive $1,314 $1,364
State Farm $1,275 $1,275
Travelers $2,358 $2,358
USAA $1,127 $1,155

Adel, IA Car Insurance Rates by Credit History

How does your credit history affect Adel, IA car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Adel, Iowa

Insurance Company Poor Fair Good
Allstate $3,756 $2,987 $2,690
American Family $3,601 $2,646 $2,231
Farmers $2,880 $2,389 $2,262
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,190 $3,825 $3,012
Nationwide $3,195 $2,510 $2,196
Progressive $2,715 $2,211 $2,009
State Farm $3,189 $1,972 $1,556
Travelers $6,036 $5,158 $4,914
USAA $2,406 $1,649 $1,427

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Adel, IA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Adel, Iowa car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Adel.

Annual Adel, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,654 $3,232 $3,706 $2,984
American Family $2,040 $2,995 $3,874 $2,396
Farmers $2,137 $2,655 $2,697 $2,551
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,751 $4,641 $4,732 $4,247
Nationwide $1,910 $2,738 $3,727 $2,159
Progressive $1,853 $3,065 $2,011 $2,318
State Farm $2,070 $2,408 $2,239 $2,239
Travelers $3,902 $5,220 $6,996 $5,359
USAA $1,399 $1,873 $2,435 $1,604

Adel, IA Car Insurance Rates With a DUI

Even a single DUI can increase your Adel, IA car insurance rates. Compare rates below to see which Adel car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Adel, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,706
American Family $3,874
Farmers $2,697
GEICO $3,206
Liberty Mutual $4,732
Nationwide $3,727
Progressive $2,011
State Farm $2,239
Travelers $6,996
USAA $2,435

Adel, IA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Adel, IA car insurance rates may be. Let’s take a look at average car insurance rates from top Adel companies based on commute time.

Annual Car Insurance Rates by Commute Length in Adel, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,069 $3,220
American Family $2,793 $2,859
Farmers $2,510 $2,510
GEICO $2,294 $2,387
Liberty Mutual $4,343 $4,343
Nationwide $2,634 $2,634
Progressive $2,312 $2,312
State Farm $2,185 $2,293
Travelers $5,369 $5,369
USAA $1,761 $1,894

Adel, IA Cheapest Car Insurance Rates

How do the top Adel, Iowa car insurance companies’ average rates stack up against the Adel average monthly car insurance rates of $246? Take a look and see.

Best Annual Car Insurance Rates by Company in Adel, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

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Adel, IA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Adel, Iowa car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Adel, Iowa

Insurance Company Average Annual Rates
Allstate $3,144
American Family $2,826
Farmers $2,510
GEICO $2,341
Liberty Mutual $4,343
Nationwide $2,634
Progressive $2,312
State Farm $2,239
Travelers $5,369
USAA $1,828

Other Factors Affecting Adel, IA Car Insurance Rates

Before you buy Adel, Iowa car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Adel, IA Commute Time

How does your Adel, IA commute time compare with the average driver? In Adel, the average commute is 23.3 minutes.

Adel, IA Traffic

Spending time in Adel traffic can lead to higher car insurance rates. According to INRIX data, Adel, IA ranks as the 100th-most congested with traffic in the world.

Adel, IA Car Insurance Quotes

Compare Adel, IA car insurance quotes from multiple companies by entering your ZIP code now.