Compare Ames, IA Car Insurance Rates (2021)

Car insurance in Ames, IA averages $222 a month. Ames, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Ames car insurance rates, compare quotes from the top car insurance companies in Ames, IA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Ames for teen drivers is USAA
  • Average car insurance rates in Ames, IA after a DUI are $3,194/year
  • The cheapest ZIP code in Ames is 50012

If you need to buy Ames, Iowa car insurance, the options can be confusing. Everything you need to know about car insurance in Ames, IA is right here.

You’ll find Ames car insurance rates, the cheapest Ames, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Ames, Iowa car insurance rates to Des Moines car insurance rates, Ankeny car insurance rates, and Ames car insurance rates.

Ready to find affordable Ames, IA car insurance today? Enter your ZIP code for fast, free Ames car insurance quotes.

Cheapest Ames, IA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Ames, IA car insurance rates? Every Ames, Iowa car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ames, 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 $1,832 $1,756 $1,635 $1,663 $5,361 $6,041 $1,984 $2,036
American Family $1,672 $1,672 $1,502 $1,502 $4,538 $6,310 $1,672 $2,007
Farmers $1,367 $1,393 $1,223 $1,339 $4,167 $4,441 $1,852 $1,980
GEICO $1,446 $1,305 $1,325 $1,224 $3,363 $3,133 $1,350 $1,244
Liberty Mutual $1,968 $2,127 $1,738 $2,107 $10,072 $11,316 $2,230 $2,454
Nationwide $1,631 $1,665 $1,460 $1,547 $3,905 $5,004 $1,864 $2,016
Progressive $1,490 $1,417 $1,232 $1,281 $3,959 $4,455 $1,790 $1,943
State Farm $1,242 $1,242 $1,112 $1,112 $3,677 $4,618 $1,403 $1,620
Travelers $2,144 $2,184 $2,106 $2,104 $9,652 $15,317 $2,239 $2,618
USAA $1,031 $1,036 $955 $964 $2,818 $2,974 $1,226 $1,347

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Minimum Car Insurance in Ames, IA

Every driver must carry the minimum car insurance in Ames, IA. Take a look at the Iowa car insurance requirements.

Minimum Required Car Insurance Coverage in Ames, 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

Cheapest Ames, IA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Ames, IA. Compare credit history car insurance rates in Ames from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Ames, Iowa

Insurance Company Poor Fair Good
Allstate $3,327 $2,651 $2,388
American Family $3,323 $2,444 $2,061
Farmers $2,547 $2,113 $2,001
GEICO $2,156 $1,799 $1,441
Liberty Mutual $6,043 $3,758 $2,953
Nationwide $2,885 $2,281 $1,994
Progressive $2,569 $2,103 $1,916
State Farm $2,852 $1,765 $1,393
Travelers $5,388 $4,607 $4,391
USAA $2,019 $1,398 $1,215

Cheapest Ames, IA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Ames, IA to rates for a clean record with top companies.

Annual Ames, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,367 $2,865 $3,271 $2,651
American Family $1,881 $2,775 $3,572 $2,210
Farmers $1,891 $2,349 $2,385 $2,257
GEICO $1,342 $1,901 $2,514 $1,438
Liberty Mutual $3,669 $4,552 $4,623 $4,162
Nationwide $1,745 $2,480 $3,356 $1,965
Progressive $1,757 $2,922 $1,909 $2,196
State Farm $1,833 $2,173 $2,003 $2,003
Travelers $3,481 $4,662 $6,253 $4,786
USAA $1,178 $1,587 $2,058 $1,353

Cheapest Ames, IA Car Insurance for Teen Drivers

Teen car insurance in Ames, IA can be expensive. Take a look at rates from the top car insurance companies in Ames for teenagers.

Annual Car Insurance Rates for Teen Drivers in Ames, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,361 $6,041
American Family $4,538 $6,310
Farmers $4,167 $4,441
GEICO $3,363 $3,133
Liberty Mutual $10,072 $11,316
Nationwide $3,905 $5,004
Progressive $3,959 $4,455
State Farm $3,677 $4,618
Travelers $9,652 $15,317
USAA $2,818 $2,974

Cheapest Ames, IA Car Insurance for Seniors

Take a look at Ames, IA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Ames, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,635 $1,663
American Family $1,502 $1,502
Farmers $1,223 $1,339
GEICO $1,325 $1,224
Liberty Mutual $1,738 $2,107
Nationwide $1,460 $1,547
Progressive $1,232 $1,281
State Farm $1,112 $1,112
Travelers $2,106 $2,104
USAA $955 $964

Cheapest Ames, IA Car Insurance Rates After a DUI

A DUI in Ames, IA increases car insurance rates. Compare Ames, Iowa DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Ames, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,271
American Family $3,572
Farmers $2,385
GEICO $2,514
Liberty Mutual $4,623
Nationwide $3,356
Progressive $1,909
State Farm $2,003
Travelers $6,253
USAA $2,058

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Cheapest Ames, IA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Ames, IA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Ames, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,722 $2,854
American Family $2,579 $2,640
Farmers $2,220 $2,220
GEICO $1,768 $1,829
Liberty Mutual $4,252 $4,252
Nationwide $2,387 $2,387
Progressive $2,196 $2,196
State Farm $1,955 $2,051
Travelers $4,796 $4,796
USAA $1,488 $1,600

Cheapest Ames, IA Car Insurance Rates by ZIP Code

Ames car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Ames, IA.

Annual Car Insurance Rates by ZIP Code in Ames, Iowa

ZIP Code Average Annual Rates
50010 $2,248
50011 $2,251
50012 $2,233
50013 $2,260
50014 $2,242

The Best Cheap Car Insurance Companies in Ames, IA

Take a look at a side-by-side comparison of the top car insurance companies in Ames, IA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Ames, Iowa

Insurance Company Average Annual Rates
Allstate $2,788
American Family $2,609
Farmers $2,220
GEICO $1,799
Liberty Mutual $4,252
Nationwide $2,387
Progressive $2,196
State Farm $2,003
Travelers $4,796
USAA $1,544

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Category Winners: Cheapest Car Insurance in Ames, Iowa

Find the cheapest car insurance companies in Ames, IA for each category right here.

Best Annual Car Insurance Rates by Company in Ames, Iowa

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

Cheapest Ames, IA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Ames car insurance rates. Find the cheapest Ames, IA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Ames, Iowa

Insurance Company Low Medium High
Allstate $2,695 $2,792 $2,879
American Family $2,607 $2,755 $2,465
Farmers $2,123 $2,227 $2,310
GEICO $1,698 $1,799 $1,899
Liberty Mutual $4,089 $4,247 $4,419
Nationwide $2,476 $2,382 $2,301
Progressive $2,057 $2,205 $2,326
State Farm $1,891 $2,016 $2,102
Travelers $4,509 $4,868 $5,010
USAA $1,452 $1,550 $1,630

What affects car insurance rates in Ames, Iowa?

What factors can have an impact on Ames, IA car insurance? There are several reasons why Ames car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Ames, Iowa.

Commute Time in Ames

The more time you spend in your car the higher the risk of an accident. The average commute length in Ames, IA is 16.4 minutes according to City-Data.

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Compare Car Insurance Quotes in Ames, IA

Ready to find affordable Ames, Iowa car insurance today? Enter your ZIP code for fast, free Ames, IA car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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