Affordable Car Insurance Rates in Pella, IA (2021)
Car insurance rates in Pella, IA are $232/month on average. By law, Iowa drivers need to carry at least 20/40/15 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Pella car insurance companies to get the coverage you need at the best rates available.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Apr 14, 2022
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- 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.
Table of Contents
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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.