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 Waukee after a DUI is Progressive
  • The cheapest car insurance company in Waukee for teen drivers is USAA
  • Average car insurance rates in Waukee, IA for senior drivers are $1,606/year

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

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

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

Waukee, IA Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Waukee, Iowa

Insurance Company Low Medium High
Allstate $2,951 $3,073 $3,182
American Family $2,864 $3,025 $2,704
Farmers $2,401 $2,518 $2,611
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,311 $4,498 $4,709
Nationwide $2,417 $2,337 $2,264
Progressive $2,098 $2,231 $2,325
State Farm $2,033 $2,154 $2,237
Travelers $5,333 $5,781 $5,967
USAA $1,641 $1,745 $1,831

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Waukee, 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 $1,971 $1,876 $1,767 $1,794 $6,022 $6,828 $2,120 $2,172
American Family $1,834 $1,834 $1,646 $1,646 $4,981 $6,935 $1,834 $2,204
Farmers $1,546 $1,575 $1,383 $1,513 $4,711 $5,019 $2,094 $2,240
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,126 $2,305 $1,878 $2,286 $10,534 $11,859 $2,409 $2,650
Nationwide $1,607 $1,642 $1,438 $1,525 $3,805 $4,885 $1,832 $1,983
Progressive $1,497 $1,423 $1,240 $1,286 $4,018 $4,516 $1,803 $1,959
State Farm $1,383 $1,383 $1,218 $1,218 $3,793 $4,804 $1,555 $1,774
Travelers $2,468 $2,512 $2,434 $2,434 $11,593 $18,532 $2,585 $2,991
USAA $1,156 $1,163 $1,067 $1,079 $3,184 $3,365 $1,380 $1,519

Waukee, IA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Waukee, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,022 $6,828
American Family $4,981 $6,935
Farmers $4,711 $5,019
GEICO $4,328 $4,022
Liberty Mutual $10,534 $11,859
Nationwide $3,805 $4,885
Progressive $4,018 $4,516
State Farm $3,793 $4,804
Travelers $11,593 $18,532
USAA $3,184 $3,365

Waukee, IA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Waukee, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,767 $1,794
American Family $1,646 $1,646
Farmers $1,383 $1,513
GEICO $1,710 $1,564
Liberty Mutual $1,878 $2,286
Nationwide $1,438 $1,525
Progressive $1,240 $1,286
State Farm $1,218 $1,218
Travelers $2,434 $2,434
USAA $1,067 $1,079

Waukee, IA Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Waukee, Iowa

Insurance Company Poor Fair Good
Allstate $3,665 $2,914 $2,628
American Family $3,650 $2,683 $2,261
Farmers $2,880 $2,389 $2,262
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,411 $3,977 $3,129
Nationwide $2,829 $2,234 $1,955
Progressive $2,592 $2,125 $1,937
State Farm $3,049 $1,886 $1,488
Travelers $6,381 $5,474 $5,225
USAA $2,277 $1,574 $1,366

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Waukee, IA Car Insurance Rates by Driver History

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

Annual Waukee, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,580 $3,152 $3,633 $2,910
American Family $2,067 $3,034 $3,928 $2,429
Farmers $2,137 $2,655 $2,697 $2,551
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,888 $4,821 $4,906 $4,408
Nationwide $1,708 $2,432 $3,294 $1,925
Progressive $1,773 $2,956 $1,925 $2,217
State Farm $1,979 $2,303 $2,141 $2,141
Travelers $4,122 $5,548 $7,445 $5,660
USAA $1,325 $1,787 $2,321 $1,523

Waukee, IA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Waukee, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,633
American Family $3,928
Farmers $2,697
GEICO $3,206
Liberty Mutual $4,906
Nationwide $3,294
Progressive $1,925
State Farm $2,141
Travelers $7,445
USAA $2,321

Waukee, IA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Waukee, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,995 $3,142
American Family $2,831 $2,898
Farmers $2,510 $2,510
GEICO $2,294 $2,387
Liberty Mutual $4,506 $4,506
Nationwide $2,340 $2,340
Progressive $2,218 $2,218
State Farm $2,089 $2,193
Travelers $5,694 $5,694
USAA $1,676 $1,802

Waukee, IA Cheapest Car Insurance Rates

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

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

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

Average Annual Car Insurance Rates by Company in Waukee, Iowa

Insurance Company Average Annual Rates
Allstate $3,069
American Family $2,864
Farmers $2,510
GEICO $2,341
Liberty Mutual $4,506
Nationwide $2,340
Progressive $2,218
State Farm $2,141
Travelers $5,694
USAA $1,739

Other Factors Affecting Waukee, IA Car Insurance Rates

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

Waukee, IA Commute Time

How does your Waukee, IA commute time compare with the average driver? In Waukee, the average commute is 20.3 minutes.

Waukee, IA Car Insurance Quotes

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