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 Pella, IA are $232/month
  • Average car insurance rates in Pella, IA for senior drivers are $1,550/year
  • The cheapest car insurance company in Pella for teen drivers is USAA

Average car insurance rates in Pella, Iowa are $232 a month. But with a little research you can get a great deal from the top car insurance companies in Pella, IA. Before you buy Pella, Iowa car insurance, make sure your coverage meets or exceeds the Iowa minimum of 20/40/15.

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

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

Pella, IA Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Pella, Iowa

Insurance Company Low Medium High
Allstate $2,678 $2,775 $2,862
American Family $2,851 $2,997 $2,670
Farmers $2,314 $2,429 $2,522
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,040 $4,204 $4,389
Nationwide $2,358 $2,253 $2,185
Progressive $2,055 $2,196 $2,314
State Farm $2,098 $2,217 $2,300
Travelers $4,552 $4,907 $5,045
USAA $1,614 $1,713 $1,795

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Pella, 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 $1,862 $1,796 $1,647 $1,678 $5,208 $5,838 $2,040 $2,103
American Family $1,831 $1,831 $1,639 $1,639 $4,890 $6,850 $1,831 $2,203
Farmers $1,506 $1,534 $1,351 $1,474 $4,505 $4,797 $2,033 $2,173
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,011 $2,181 $1,770 $2,150 $9,780 $11,006 $2,278 $2,511
Nationwide $1,595 $1,641 $1,421 $1,521 $3,565 $4,631 $1,795 $1,956
Progressive $1,510 $1,445 $1,246 $1,295 $3,868 $4,359 $1,815 $1,968
State Farm $1,443 $1,443 $1,265 $1,265 $3,859 $4,902 $1,621 $1,841
Travelers $2,172 $2,215 $2,118 $2,121 $9,695 $15,434 $2,263 $2,663
USAA $1,147 $1,160 $1,055 $1,075 $3,071 $3,260 $1,373 $1,516

Pella, IA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Pella, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,208 $5,838
American Family $4,890 $6,850
Farmers $4,505 $4,797
GEICO $4,328 $4,022
Liberty Mutual $9,780 $11,006
Nationwide $3,565 $4,631
Progressive $3,868 $4,359
State Farm $3,859 $4,902
Travelers $9,695 $15,434
USAA $3,071 $3,260

Pella, IA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Pella, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,647 $1,678
American Family $1,639 $1,639
Farmers $1,351 $1,474
GEICO $1,710 $1,564
Liberty Mutual $1,770 $2,150
Nationwide $1,421 $1,521
Progressive $1,246 $1,295
State Farm $1,265 $1,265
Travelers $2,118 $2,121
USAA $1,055 $1,075

Pella, IA Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Pella, Iowa

Insurance Company Poor Fair Good
Allstate $3,311 $2,636 $2,368
American Family $3,618 $2,661 $2,238
Farmers $2,783 $2,302 $2,180
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,000 $3,711 $2,921
Nationwide $2,755 $2,151 $1,891
Progressive $2,572 $2,092 $1,901
State Farm $3,140 $1,943 $1,532
Travelers $5,434 $4,644 $4,426
USAA $2,242 $1,543 $1,337

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Pella, IA Car Insurance Rates by Driver History

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

Annual Pella, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,371 $2,855 $3,222 $2,638
American Family $2,048 $3,009 $3,891 $2,408
Farmers $2,061 $2,560 $2,601 $2,465
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,637 $4,500 $4,587 $4,119
Nationwide $1,636 $2,356 $3,218 $1,853
Progressive $1,755 $2,898 $1,906 $2,195
State Farm $2,044 $2,366 $2,205 $2,205
Travelers $3,521 $4,701 $6,294 $4,823
USAA $1,305 $1,751 $2,274 $1,498

Pella, IA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Pella, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,222
American Family $3,891
Farmers $2,601
GEICO $3,206
Liberty Mutual $4,587
Nationwide $3,218
Progressive $1,906
State Farm $2,205
Travelers $6,294
USAA $2,274

Pella, IA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Pella, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,706 $2,837
American Family $2,806 $2,872
Farmers $2,422 $2,422
GEICO $2,294 $2,387
Liberty Mutual $4,211 $4,211
Nationwide $2,266 $2,266
Progressive $2,188 $2,188
State Farm $2,152 $2,258
Travelers $4,835 $4,835
USAA $1,645 $1,769

Pella, IA Cheapest Car Insurance Rates

How do the top Pella, Iowa car insurance companies’ average rates stack up against the Pella average monthly car insurance rates of $232? Take a look and see.

Best Annual Car Insurance Rates by Company in Pella, 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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Pella, IA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Pella, Iowa

Insurance Company Average Annual Rates
Allstate $2,772
American Family $2,839
Farmers $2,422
GEICO $2,341
Liberty Mutual $4,211
Nationwide $2,266
Progressive $2,188
State Farm $2,205
Travelers $4,835
USAA $1,707

Other Factors Affecting Pella, IA Car Insurance Rates

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

Pella, IA Commute Time

How does your Pella, IA commute time compare with the average driver? In Pella, the average commute is 12.6 minutes.

Pella, IA Car Insurance Quotes

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