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 Orange City for teen drivers is USAA
  • Average car insurance rates in Orange City, IA are $243/month
  • The cheapest car insurance company in Orange City after a DUI is Progressive

Average car insurance rates in Orange City, Iowa are $243 a month. But with a little research you can get a great deal from the top car insurance companies in Orange City, IA. Before you buy Orange 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 Orange City car insurance rates with Iowa City car insurance rates, Waterloo car insurance rates, or Cedar Rapids car insurance rates to make sure you’re getting the best Orange City, IA car insurance quotes available.

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

Orange City, IA Minimum Car Insurance Coverage

Orange 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 Orange 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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Orange City, IA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Orange City, Iowa

Insurance Company Low Medium High
Allstate $3,145 $3,287 $3,416
American Family $2,976 $3,128 $2,785
Farmers $2,348 $2,456 $2,540
GEICO $2,141 $2,240 $2,338
Liberty Mutual $4,248 $4,422 $4,626
Nationwide $2,624 $2,522 $2,444
Progressive $2,020 $2,166 $2,287
State Farm $1,894 $2,011 $2,091
Travelers $4,786 $5,167 $5,316
USAA $1,859 $1,969 $2,059

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Orange 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 $2,160 $2,073 $1,920 $1,954 $6,294 $7,089 $2,351 $2,417
American Family $1,911 $1,911 $1,710 $1,710 $5,098 $7,150 $1,911 $2,302
Farmers $1,510 $1,539 $1,351 $1,477 $4,580 $4,887 $2,048 $2,192
GEICO $1,821 $1,640 $1,620 $1,483 $4,142 $3,866 $1,733 $1,612
Liberty Mutual $2,146 $2,333 $1,886 $2,294 $10,198 $11,487 $2,431 $2,684
Nationwide $1,757 $1,802 $1,567 $1,671 $4,050 $5,238 $1,990 $2,164
Progressive $1,489 $1,422 $1,228 $1,279 $3,820 $4,303 $1,787 $1,933
State Farm $1,284 $1,284 $1,134 $1,134 $3,558 $4,502 $1,445 $1,649
Travelers $2,313 $2,361 $2,243 $2,250 $10,142 $16,154 $2,404 $2,848
USAA $1,307 $1,321 $1,199 $1,222 $3,562 $3,781 $1,570 $1,735

Orange City, IA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Orange City, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,294 $7,089
American Family $5,098 $7,150
Farmers $4,580 $4,887
GEICO $4,142 $3,866
Liberty Mutual $10,198 $11,487
Nationwide $4,050 $5,238
Progressive $3,820 $4,303
State Farm $3,558 $4,502
Travelers $10,142 $16,154
USAA $3,562 $3,781

Orange City, IA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Orange City, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,920 $1,954
American Family $1,710 $1,710
Farmers $1,351 $1,477
GEICO $1,620 $1,483
Liberty Mutual $1,886 $2,294
Nationwide $1,567 $1,671
Progressive $1,228 $1,279
State Farm $1,134 $1,134
Travelers $2,243 $2,250
USAA $1,199 $1,222

Orange City, IA Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Orange City, Iowa

Insurance Company Poor Fair Good
Allstate $3,929 $3,118 $2,800
American Family $3,778 $2,776 $2,334
Farmers $2,805 $2,331 $2,208
GEICO $2,691 $2,240 $1,788
Liberty Mutual $6,328 $3,898 $3,070
Nationwide $3,071 $2,408 $2,111
Progressive $2,535 $2,063 $1,875
State Farm $2,845 $1,761 $1,390
Travelers $5,728 $4,886 $4,654
USAA $2,578 $1,773 $1,536

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Orange City, IA Car Insurance Rates by Driver History

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

Annual Orange City, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,787 $3,381 $3,843 $3,118
American Family $2,139 $3,135 $4,064 $2,514
Farmers $2,088 $2,586 $2,622 $2,496
GEICO $1,702 $2,373 $3,058 $1,826
Liberty Mutual $3,829 $4,733 $4,834 $4,333
Nationwide $1,831 $2,631 $3,586 $2,072
Progressive $1,730 $2,857 $1,880 $2,164
State Farm $1,845 $2,153 $1,999 $1,999
Travelers $3,717 $4,944 $6,614 $5,084
USAA $1,496 $2,015 $2,619 $1,719

Orange City, IA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Orange City, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,843
American Family $4,064
Farmers $2,622
GEICO $3,058
Liberty Mutual $4,834
Nationwide $3,586
Progressive $1,880
State Farm $1,999
Travelers $6,614
USAA $2,619

Orange City, IA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Orange City, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,204 $3,361
American Family $2,928 $2,997
Farmers $2,448 $2,448
GEICO $2,195 $2,285
Liberty Mutual $4,432 $4,432
Nationwide $2,530 $2,530
Progressive $2,158 $2,158
State Farm $1,950 $2,047
Travelers $5,089 $5,089
USAA $1,891 $2,034

Orange City, IA Cheapest Car Insurance Rates

How do the top Orange City, Iowa car insurance companies’ average rates stack up against the Orange City average monthly car insurance rates of $243? Take a look and see.

Best Annual Car Insurance Rates by Company in Orange City, Iowa

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

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Orange City, IA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Orange City, Iowa

Insurance Company Average Annual Rates
Allstate $3,282
American Family $2,963
Farmers $2,448
GEICO $2,240
Liberty Mutual $4,432
Nationwide $2,530
Progressive $2,158
State Farm $1,999
Travelers $5,089
USAA $1,962

Other Factors Affecting Orange City, IA Car Insurance Rates

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

Orange City, IA Commute Time

How does your Orange City, IA commute time compare with the average driver? In Orange City, the average commute is 12.2 minutes.

Orange City, IA Car Insurance Quotes

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