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 Ames, IA are $222/month
  • The cheapest car insurance company in Ames after a DUI is Progressive
  • Average car insurance rates in Ames, IA for senior drivers are $1,456/year

Average car insurance rates in Ames, Iowa are $222 a month. But with a little research you can get a great deal from the top car insurance companies in Ames, IA. Before you buy Ames, Iowa car insurance, make sure your coverage meets or exceeds the Iowa minimum of 20/40/15.

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

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

Ames, IA Minimum Car Insurance Coverage

Ames, 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 Ames, 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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Ames, IA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Ames, Iowa

Insurance Company Low Medium High
Allstate $2,695 $2,792 $2,879
American Family $2,607 $2,755 $2,465
Farmers $2,123 $2,227 $2,310
GEICO $1,698 $1,799 $1,899
Liberty Mutual $4,089 $4,247 $4,419
Nationwide $2,476 $2,382 $2,301
Progressive $2,057 $2,205 $2,326
State Farm $1,891 $2,016 $2,102
Travelers $4,509 $4,868 $5,010
USAA $1,452 $1,550 $1,630

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ames, 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 $1,832 $1,756 $1,635 $1,663 $5,361 $6,041 $1,984 $2,036
American Family $1,672 $1,672 $1,502 $1,502 $4,538 $6,310 $1,672 $2,007
Farmers $1,367 $1,393 $1,223 $1,339 $4,167 $4,441 $1,852 $1,980
GEICO $1,446 $1,305 $1,325 $1,224 $3,363 $3,133 $1,350 $1,244
Liberty Mutual $1,968 $2,127 $1,738 $2,107 $10,072 $11,316 $2,230 $2,454
Nationwide $1,631 $1,665 $1,460 $1,547 $3,905 $5,004 $1,864 $2,016
Progressive $1,490 $1,417 $1,232 $1,281 $3,959 $4,455 $1,790 $1,943
State Farm $1,242 $1,242 $1,112 $1,112 $3,677 $4,618 $1,403 $1,620
Travelers $2,144 $2,184 $2,106 $2,104 $9,652 $15,317 $2,239 $2,618
USAA $1,031 $1,036 $955 $964 $2,818 $2,974 $1,226 $1,347

Ames, IA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Ames, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,361 $6,041
American Family $4,538 $6,310
Farmers $4,167 $4,441
GEICO $3,363 $3,133
Liberty Mutual $10,072 $11,316
Nationwide $3,905 $5,004
Progressive $3,959 $4,455
State Farm $3,677 $4,618
Travelers $9,652 $15,317
USAA $2,818 $2,974

Ames, IA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Ames, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,635 $1,663
American Family $1,502 $1,502
Farmers $1,223 $1,339
GEICO $1,325 $1,224
Liberty Mutual $1,738 $2,107
Nationwide $1,460 $1,547
Progressive $1,232 $1,281
State Farm $1,112 $1,112
Travelers $2,106 $2,104
USAA $955 $964

Ames, IA Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Ames, Iowa

Insurance Company Poor Fair Good
Allstate $3,327 $2,651 $2,388
American Family $3,323 $2,444 $2,061
Farmers $2,547 $2,113 $2,001
GEICO $2,156 $1,799 $1,441
Liberty Mutual $6,043 $3,758 $2,953
Nationwide $2,885 $2,281 $1,994
Progressive $2,569 $2,103 $1,916
State Farm $2,852 $1,765 $1,393
Travelers $5,388 $4,607 $4,391
USAA $2,019 $1,398 $1,215

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Ames, IA Car Insurance Rates by Driver History

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

Annual Ames, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,367 $2,865 $3,271 $2,651
American Family $1,881 $2,775 $3,572 $2,210
Farmers $1,891 $2,349 $2,385 $2,257
GEICO $1,342 $1,901 $2,514 $1,438
Liberty Mutual $3,669 $4,552 $4,623 $4,162
Nationwide $1,745 $2,480 $3,356 $1,965
Progressive $1,757 $2,922 $1,909 $2,196
State Farm $1,833 $2,173 $2,003 $2,003
Travelers $3,481 $4,662 $6,253 $4,786
USAA $1,178 $1,587 $2,058 $1,353

Ames, IA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Ames, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,271
American Family $3,572
Farmers $2,385
GEICO $2,514
Liberty Mutual $4,623
Nationwide $3,356
Progressive $1,909
State Farm $2,003
Travelers $6,253
USAA $2,058

Ames, IA Car Insurance Rates by ZIP Code

Just like Ames car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Ames, IA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Ames, Iowa

ZIP Code Average Annual Rates
50010 $2,248
50011 $2,251
50012 $2,233
50013 $2,260
50014 $2,242

Ames, IA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Ames, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,722 $2,854
American Family $2,579 $2,640
Farmers $2,220 $2,220
GEICO $1,768 $1,829
Liberty Mutual $4,252 $4,252
Nationwide $2,387 $2,387
Progressive $2,196 $2,196
State Farm $1,955 $2,051
Travelers $4,796 $4,796
USAA $1,488 $1,600

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Ames, IA Cheapest Car Insurance Rates

How do the top Ames, Iowa car insurance companies’ average rates stack up against the Ames average monthly car insurance rates of $222? Take a look and see.

Best Annual Car Insurance Rates by Company in Ames, Iowa

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

Ames, IA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Ames, Iowa

Insurance Company Average Annual Rates
Allstate $2,788
American Family $2,609
Farmers $2,220
GEICO $1,799
Liberty Mutual $4,252
Nationwide $2,387
Progressive $2,196
State Farm $2,003
Travelers $4,796
USAA $1,544

Other Factors Affecting Ames, IA Car Insurance Rates

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

Ames, IA Commute Time

How does your Ames, IA commute time compare with the average driver? In Ames, the average commute is 16.4 minutes.

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Ames, IA Car Insurance Quotes

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