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 Dubuque, IA for senior drivers are $1,683/year
  • Average car insurance rates in Dubuque, IA are $258/month
  • The cheapest car insurance company in Dubuque after a DUI is Progressive

Average car insurance rates in Dubuque, Iowa are $258 a month. But with a little research you can get a great deal from the top car insurance companies in Dubuque, IA. Before you buy Dubuque, Iowa car insurance, make sure your coverage meets or exceeds the Iowa minimum of 20/40/15.

It may even be helpful to compare Dubuque car insurance rates with Davenport car insurance rates, Ankeny car insurance rates, or Cedar Rapids car insurance rates to make sure you’re getting the best Dubuque, IA car insurance quotes available.

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

Dubuque, IA Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Dubuque, Iowa

Insurance Company Low Medium High
Allstate $2,777 $2,887 $2,986
American Family $2,855 $3,025 $2,714
Farmers $2,374 $2,492 $2,587
GEICO $2,259 $2,402 $2,545
Liberty Mutual $4,500 $4,687 $4,899
Nationwide $2,655 $2,565 $2,479
Progressive $2,471 $2,629 $2,751
State Farm $2,353 $2,515 $2,624
Travelers $5,774 $6,247 $6,438
USAA $1,700 $1,802 $1,884

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Dubuque, 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 $1,889 $1,809 $1,685 $1,714 $5,553 $6,266 $2,048 $2,103
American Family $1,828 $1,828 $1,642 $1,642 $5,010 $6,948 $1,828 $2,192
Farmers $1,527 $1,556 $1,366 $1,497 $4,670 $4,979 $2,069 $2,211
GEICO $1,923 $1,730 $1,762 $1,627 $4,526 $4,210 $1,792 $1,645
Liberty Mutual $2,164 $2,342 $1,917 $2,330 $11,135 $12,524 $2,453 $2,699
Nationwide $1,749 $1,785 $1,564 $1,657 $4,211 $5,398 $2,001 $2,165
Progressive $1,799 $1,721 $1,488 $1,542 $4,638 $5,227 $2,169 $2,354
State Farm $1,536 $1,536 $1,378 $1,378 $4,613 $5,793 $1,737 $2,007
Travelers $2,701 $2,753 $2,643 $2,648 $12,447 $19,915 $2,819 $3,299
USAA $1,177 $1,179 $1,090 $1,095 $3,351 $3,526 $1,404 $1,541

Dubuque, IA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Dubuque, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,553 $6,266
American Family $5,010 $6,948
Farmers $4,670 $4,979
GEICO $4,526 $4,210
Liberty Mutual $11,135 $12,524
Nationwide $4,211 $5,398
Progressive $4,638 $5,227
State Farm $4,613 $5,793
Travelers $12,447 $19,915
USAA $3,351 $3,526

Dubuque, IA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Dubuque, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,685 $1,714
American Family $1,642 $1,642
Farmers $1,366 $1,497
GEICO $1,762 $1,627
Liberty Mutual $1,917 $2,330
Nationwide $1,564 $1,657
Progressive $1,488 $1,542
State Farm $1,378 $1,378
Travelers $2,643 $2,648
USAA $1,090 $1,095

Dubuque, IA Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Dubuque, Iowa

Insurance Company Poor Fair Good
Allstate $3,444 $2,740 $2,467
American Family $3,649 $2,681 $2,263
Farmers $2,850 $2,364 $2,239
GEICO $2,888 $2,402 $1,916
Liberty Mutual $6,677 $4,150 $3,259
Nationwide $3,102 $2,453 $2,144
Progressive $3,073 $2,503 $2,276
State Farm $3,558 $2,200 $1,734
Travelers $6,905 $5,913 $5,641
USAA $2,347 $1,626 $1,413

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Dubuque, IA Car Insurance Rates by Driver History

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

Annual Dubuque, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,443 $2,965 $3,387 $2,739
American Family $2,068 $3,034 $3,928 $2,429
Farmers $2,115 $2,628 $2,669 $2,525
GEICO $1,778 $2,547 $3,376 $1,907
Liberty Mutual $4,048 $5,032 $5,107 $4,595
Nationwide $1,873 $2,668 $3,614 $2,111
Progressive $2,096 $3,473 $2,276 $2,625
State Farm $2,282 $2,713 $2,497 $2,497
Travelers $4,466 $5,989 $8,033 $6,124
USAA $1,364 $1,846 $2,400 $1,571

Dubuque, IA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Dubuque, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,387
American Family $3,928
Farmers $2,669
GEICO $3,376
Liberty Mutual $5,107
Nationwide $3,614
Progressive $2,276
State Farm $2,497
Travelers $8,033
USAA $2,400

Dubuque, IA Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Dubuque, Iowa

ZIP Code Average Annual Rates
52001 $2,654
52002 $2,566
52003 $2,589

Dubuque, IA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Dubuque, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,815 $2,952
American Family $2,831 $2,898
Farmers $2,484 $2,484
GEICO $2,360 $2,444
Liberty Mutual $4,696 $4,696
Nationwide $2,566 $2,566
Progressive $2,617 $2,617
State Farm $2,437 $2,558
Travelers $6,153 $6,153
USAA $1,730 $1,861

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Dubuque, IA Cheapest Car Insurance Rates

How do the top Dubuque, Iowa car insurance companies’ average rates stack up against the Dubuque average monthly car insurance rates of $258? Take a look and see.

Best Annual Car Insurance Rates by Company in Dubuque, Iowa

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

Dubuque, IA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Dubuque, Iowa

Insurance Company Average Annual Rates
Allstate $2,884
American Family $2,865
Farmers $2,484
GEICO $2,402
Liberty Mutual $4,696
Nationwide $2,566
Progressive $2,617
State Farm $2,497
Travelers $6,153
USAA $1,795

Other Factors Affecting Dubuque, IA Car Insurance Rates

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

Dubuque, IA Commute Time

How does your Dubuque, IA commute time compare with the average driver? In Dubuque, the average commute is 14.9 minutes.

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Dubuque, IA Car Insurance Quotes

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