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

  • The cheapest car insurance company in La Porte City for teen drivers is USAA
  • The cheapest car insurance company in La Porte City after a DUI is Progressive
  • Average car insurance rates in La Porte City, IA are $246/month

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

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

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

La Porte City, IA Minimum Car Insurance Coverage

La Porte City, 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 La Porte City, 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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La Porte City, IA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in La Porte City, Iowa

Insurance Company Low Medium High
Allstate $2,709 $2,806 $2,894
American Family $3,086 $3,243 $2,888
Farmers $2,304 $2,409 $2,490
GEICO $2,192 $2,316 $2,437
Liberty Mutual $3,781 $3,944 $4,128
Nationwide $2,653 $2,534 $2,448
Progressive $2,218 $2,349 $2,453
State Farm $2,094 $2,214 $2,296
Travelers $5,702 $6,193 $6,401
USAA $1,749 $1,845 $1,925

La Porte City, IA Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in La Porte City, 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 $1,846 $1,770 $1,644 $1,672 $5,368 $6,054 $2,005 $2,063
American Family $1,977 $1,977 $1,770 $1,770 $5,305 $7,426 $1,977 $2,380
Farmers $1,483 $1,511 $1,327 $1,449 $4,490 $4,788 $2,009 $2,153
GEICO $1,893 $1,693 $1,696 $1,552 $4,278 $3,972 $1,787 $1,651
Liberty Mutual $1,820 $1,968 $1,617 $1,962 $9,375 $10,542 $2,061 $2,265
Nationwide $1,759 $1,804 $1,569 $1,672 $4,099 $5,291 $1,997 $2,169
Progressive $1,651 $1,593 $1,364 $1,410 $4,022 $4,540 $1,989 $2,152
State Farm $1,432 $1,432 $1,258 $1,258 $3,874 $4,913 $1,610 $1,833
Travelers $2,654 $2,704 $2,606 $2,610 $12,379 $19,839 $2,773 $3,226
USAA $1,234 $1,249 $1,130 $1,155 $3,311 $3,520 $1,482 $1,637

La Porte City, IA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in La Porte City, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,368 $6,054
American Family $5,305 $7,426
Farmers $4,490 $4,788
GEICO $4,278 $3,972
Liberty Mutual $9,375 $10,542
Nationwide $4,099 $5,291
Progressive $4,022 $4,540
State Farm $3,874 $4,913
Travelers $12,379 $19,839
USAA $3,311 $3,520

La Porte City, IA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in La Porte City, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,644 $1,672
American Family $1,770 $1,770
Farmers $1,327 $1,449
GEICO $1,696 $1,552
Liberty Mutual $1,617 $1,962
Nationwide $1,569 $1,672
Progressive $1,364 $1,410
State Farm $1,258 $1,258
Travelers $2,606 $2,610
USAA $1,130 $1,155

La Porte City, IA Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in La Porte City, Iowa

Insurance Company Poor Fair Good
Allstate $3,348 $2,662 $2,398
American Family $3,918 $2,879 $2,420
Farmers $2,752 $2,286 $2,166
GEICO $2,783 $2,315 $1,848
Liberty Mutual $5,610 $3,496 $2,748
Nationwide $3,089 $2,424 $2,122
Progressive $2,767 $2,233 $2,021
State Farm $3,135 $1,939 $1,530
Travelers $6,840 $5,862 $5,594
USAA $2,421 $1,661 $1,438

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La Porte City, IA Car Insurance Rates by Driver History

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

Annual La Porte City, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,378 $2,880 $3,288 $2,664
American Family $2,219 $3,246 $4,217 $2,608
Farmers $2,047 $2,538 $2,573 $2,447
GEICO $1,756 $2,451 $3,170 $1,884
Liberty Mutual $3,407 $4,235 $4,295 $3,867
Nationwide $1,846 $2,646 $3,601 $2,086
Progressive $1,883 $3,080 $2,041 $2,356
State Farm $2,038 $2,365 $2,201 $2,201
Travelers $4,422 $5,938 $7,969 $6,066
USAA $1,407 $1,885 $2,453 $1,615

La Porte City, IA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in La Porte City, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,288
American Family $4,217
Farmers $2,573
GEICO $3,170
Liberty Mutual $4,295
Nationwide $3,601
Progressive $2,041
State Farm $2,201
Travelers $7,969
USAA $2,453

La Porte City, IA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in La Porte City, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,736 $2,869
American Family $3,037 $3,108
Farmers $2,401 $2,401
GEICO $2,269 $2,362
Liberty Mutual $3,951 $3,951
Nationwide $2,545 $2,545
Progressive $2,340 $2,340
State Farm $2,148 $2,254
Travelers $6,099 $6,099
USAA $1,773 $1,907

La Porte City, IA Cheapest Car Insurance Rates

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

Best Annual Car Insurance Rates by Company in La Porte City, 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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La Porte City, IA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in La Porte City, Iowa

Insurance Company Average Annual Rates
Allstate $2,803
American Family $3,073
Farmers $2,401
GEICO $2,315
Liberty Mutual $3,951
Nationwide $2,545
Progressive $2,340
State Farm $2,201
Travelers $6,099
USAA $1,840

Other Factors Affecting La Porte City, IA Car Insurance Rates

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

La Porte City, IA Commute Time

How does your La Porte City, IA commute time compare with the average driver? In La Porte City, the average commute is 25.3 minutes.

La Porte City, IA Car Insurance Quotes

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