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 Rock Rapids for teen drivers is USAA
  • The cheapest car insurance company in Rock Rapids after a DUI is State Farm
  • Average car insurance rates in Rock Rapids, IA are $245/month

Average car insurance rates in Rock Rapids, Iowa are $245 a month. But with a little research you can get a great deal from the top car insurance companies in Rock Rapids, IA. Before you buy Rock Rapids, Iowa car insurance, make sure your coverage meets or exceeds the Iowa minimum of 20/40/15.

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

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

Rock Rapids, IA Minimum Car Insurance Coverage

Rock Rapids, 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 Rock Rapids, 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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Rock Rapids, IA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Rock Rapids, Iowa

Insurance Company Low Medium High
Allstate $3,145 $3,287 $3,416
American Family $2,893 $3,044 $2,714
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 $2,294 $2,463 $2,610
State Farm $1,959 $2,080 $2,163
Travelers $4,920 $5,340 $5,515
USAA $1,748 $1,852 $1,938

Rock Rapids, IA Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Rock Rapids, 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 $1,857 $1,857 $1,663 $1,663 $4,974 $6,962 $1,857 $2,235
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 $1,742 $1,679 $1,438 $1,492 $4,203 $4,748 $2,091 $2,251
State Farm $1,330 $1,330 $1,174 $1,174 $3,675 $4,653 $1,496 $1,706
Travelers $2,364 $2,413 $2,295 $2,303 $10,512 $16,825 $2,456 $2,899
USAA $1,239 $1,254 $1,136 $1,161 $3,318 $3,528 $1,487 $1,644

Rock Rapids, IA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Rock Rapids, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,294 $7,089
American Family $4,974 $6,962
Farmers $4,580 $4,887
GEICO $4,142 $3,866
Liberty Mutual $10,198 $11,487
Nationwide $4,050 $5,238
Progressive $4,203 $4,748
State Farm $3,675 $4,653
Travelers $10,512 $16,825
USAA $3,318 $3,528

Rock Rapids, IA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Rock Rapids, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,920 $1,954
American Family $1,663 $1,663
Farmers $1,351 $1,477
GEICO $1,620 $1,483
Liberty Mutual $1,886 $2,294
Nationwide $1,567 $1,671
Progressive $1,438 $1,492
State Farm $1,174 $1,174
Travelers $2,295 $2,303
USAA $1,136 $1,161

Rock Rapids, IA Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Rock Rapids, Iowa

Insurance Company Poor Fair Good
Allstate $3,929 $3,118 $2,800
American Family $3,676 $2,702 $2,273
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 $2,904 $2,343 $2,119
State Farm $2,943 $1,821 $1,437
Travelers $5,914 $5,049 $4,812
USAA $2,427 $1,667 $1,444

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Rock Rapids, IA Car Insurance Rates by Driver History

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

Annual Rock Rapids, 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 $2,081 $3,054 $3,953 $2,446
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 $1,976 $3,228 $2,146 $2,473
State Farm $1,909 $2,226 $2,067 $2,067
Travelers $3,838 $5,108 $6,840 $5,247
USAA $1,411 $1,893 $2,461 $1,619

Rock Rapids, IA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Rock Rapids, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,843
American Family $3,953
Farmers $2,622
GEICO $3,058
Liberty Mutual $4,834
Nationwide $3,586
Progressive $2,146
State Farm $2,067
Travelers $6,840
USAA $2,461

Rock Rapids, IA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Rock Rapids, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,204 $3,361
American Family $2,850 $2,917
Farmers $2,448 $2,448
GEICO $2,195 $2,285
Liberty Mutual $4,432 $4,432
Nationwide $2,530 $2,530
Progressive $2,456 $2,456
State Farm $2,017 $2,117
Travelers $5,258 $5,258
USAA $1,779 $1,913

Rock Rapids, IA Cheapest Car Insurance Rates

How do the top Rock Rapids, Iowa car insurance companies’ average rates stack up against the Rock Rapids average monthly car insurance rates of $245? Take a look and see.

Best Annual Car Insurance Rates by Company in Rock Rapids, Iowa

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

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Rock Rapids, IA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Rock Rapids, Iowa

Insurance Company Average Annual Rates
Allstate $3,282
American Family $2,883
Farmers $2,448
GEICO $2,240
Liberty Mutual $4,432
Nationwide $2,530
Progressive $2,456
State Farm $2,067
Travelers $5,258
USAA $1,846

Other Factors Affecting Rock Rapids, IA Car Insurance Rates

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

Rock Rapids, IA Commute Time

How does your Rock Rapids, IA commute time compare with the average driver? In Rock Rapids, the average commute is 13.2 minutes.

Rock Rapids, IA Car Insurance Quotes

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