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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Just What's Essential

  • The cheapest car insurance company in Defiance for teen drivers is USAA
  • Average car insurance rates in Defiance, IA for senior drivers are $1,674/year
  • Average car insurance rates in Defiance, IA are $249/month

Average car insurance rates in Defiance, Iowa are $249 a month. But with a little research you can get a great deal from the top car insurance companies in Defiance, IA. Before you buy Defiance, Iowa car insurance, make sure your coverage meets or exceeds the Iowa minimum of 20/40/15.

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

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

Defiance, IA Minimum Car Insurance Coverage

Defiance, 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 Defiance, 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

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Defiance, IA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Defiance, Iowa

Insurance Company Low Medium High
Allstate $3,018 $3,147 $3,266
American Family $3,125 $3,277 $2,913
Farmers $2,424 $2,531 $2,615
GEICO $2,141 $2,240 $2,338
Liberty Mutual $4,184 $4,338 $4,514
Nationwide $2,617 $2,491 $2,405
Progressive $2,366 $2,514 $2,640
State Farm $2,095 $2,208 $2,287
Travelers $5,163 $5,515 $5,629
USAA $1,832 $1,929 $2,010

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Defiance, 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 $2,086 $2,005 $1,848 $1,882 $5,978 $6,727 $2,277 $2,347
American Family $2,002 $2,002 $1,790 $1,790 $5,344 $7,497 $2,002 $2,412
Farmers $1,560 $1,589 $1,395 $1,522 $4,715 $5,024 $2,113 $2,268
GEICO $1,821 $1,640 $1,620 $1,483 $4,142 $3,866 $1,733 $1,612
Liberty Mutual $2,134 $2,321 $1,864 $2,263 $9,920 $11,166 $2,418 $2,674
Nationwide $1,741 $1,789 $1,551 $1,657 $4,001 $5,180 $1,971 $2,144
Progressive $1,794 $1,737 $1,479 $1,531 $4,234 $4,789 $2,159 $2,330
State Farm $1,437 $1,437 $1,259 $1,259 $3,848 $4,883 $1,614 $1,838
Travelers $2,526 $2,581 $2,435 $2,443 $10,748 $16,987 $2,623 $3,141
USAA $1,301 $1,324 $1,186 $1,221 $3,408 $3,641 $1,569 $1,739

Defiance, IA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Defiance, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,978 $6,727
American Family $5,344 $7,497
Farmers $4,715 $5,024
GEICO $4,142 $3,866
Liberty Mutual $9,920 $11,166
Nationwide $4,001 $5,180
Progressive $4,234 $4,789
State Farm $3,848 $4,883
Travelers $10,748 $16,987
USAA $3,408 $3,641

Defiance, IA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Defiance, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,848 $1,882
American Family $1,790 $1,790
Farmers $1,395 $1,522
GEICO $1,620 $1,483
Liberty Mutual $1,864 $2,263
Nationwide $1,551 $1,657
Progressive $1,479 $1,531
State Farm $1,259 $1,259
Travelers $2,435 $2,443
USAA $1,186 $1,221

Defiance, IA Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Defiance, Iowa

Insurance Company Poor Fair Good
Allstate $3,765 $2,985 $2,681
American Family $3,960 $2,910 $2,445
Farmers $2,891 $2,402 $2,276
GEICO $2,691 $2,240 $1,788
Liberty Mutual $6,213 $3,815 $3,007
Nationwide $3,043 $2,382 $2,087
Progressive $2,974 $2,389 $2,157
State Farm $3,128 $1,935 $1,527
Travelers $6,129 $5,215 $4,962
USAA $2,538 $1,734 $1,499

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Defiance, IA Car Insurance Rates by Driver History

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

Annual Defiance, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,675 $3,238 $3,674 $2,988
American Family $2,242 $3,279 $4,262 $2,636
Farmers $2,151 $2,667 $2,704 $2,571
GEICO $1,702 $2,373 $3,058 $1,826
Liberty Mutual $3,759 $4,632 $4,742 $4,247
Nationwide $1,811 $2,604 $3,552 $2,050
Progressive $2,020 $3,286 $2,190 $2,530
State Farm $2,036 $2,357 $2,197 $2,197
Travelers $3,977 $5,277 $7,047 $5,441
USAA $1,474 $1,968 $2,562 $1,690

Defiance, IA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Defiance, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,674
American Family $4,262
Farmers $2,704
GEICO $3,058
Liberty Mutual $4,742
Nationwide $3,552
Progressive $2,190
State Farm $2,197
Travelers $7,047
USAA $2,562

Defiance, IA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Defiance, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,069 $3,219
American Family $3,069 $3,141
Farmers $2,523 $2,523
GEICO $2,195 $2,285
Liberty Mutual $4,345 $4,345
Nationwide $2,504 $2,504
Progressive $2,507 $2,507
State Farm $2,144 $2,249
Travelers $5,436 $5,436
USAA $1,853 $1,994

Defiance, IA Cheapest Car Insurance Rates

How do the top Defiance, Iowa car insurance companies’ average rates stack up against the Defiance average monthly car insurance rates of $249? Take a look and see.

Best Annual Car Insurance Rates by Company in Defiance, Iowa

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

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Defiance, IA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Defiance, Iowa

Insurance Company Average Annual Rates
Allstate $3,144
American Family $3,105
Farmers $2,523
GEICO $2,240
Liberty Mutual $4,345
Nationwide $2,504
Progressive $2,507
State Farm $2,197
Travelers $5,436
USAA $1,924

Other Factors Affecting Defiance, IA Car Insurance Rates

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

Defiance, IA Commute Time

How does your Defiance, IA commute time compare with the average driver? In Defiance, the average commute is 30.7 minutes.

Defiance, IA Car Insurance Quotes

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