Compare Ayrshire, IA Car Insurance Rates (2021)

Car insurance in Ayrshire, IA averages $247 a month. Ayrshire, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Ayrshire car insurance rates, compare quotes from the top car insurance companies in Ayrshire, IA.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Ayrshire, IA are $2,963/year
  • Average car insurance rates in Ayrshire, IA after a DUI are $3,571/year
  • The cheapest car insurance company in Ayrshire for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Ayrshire, IA car insurance rates? Every Ayrshire, 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 Ayrshire, 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 $1,968 $1,968 $1,760 $1,760 $5,256 $7,372 $1,968 $2,369
Farmers $1,478 $1,506 $1,324 $1,444 $4,449 $4,739 $2,000 $2,144
GEICO $1,821 $1,640 $1,620 $1,483 $4,142 $3,866 $1,733 $1,612
Liberty Mutual $2,233 $2,424 $1,972 $2,401 $11,030 $12,421 $2,532 $2,787
Nationwide $1,725 $1,767 $1,539 $1,639 $4,031 $5,198 $1,960 $2,127
Progressive $1,447 $1,388 $1,192 $1,244 $3,561 $4,012 $1,732 $1,861
State Farm $1,447 $1,447 $1,269 $1,269 $3,891 $4,937 $1,626 $1,851
Travelers $2,481 $2,535 $2,395 $2,406 $10,800 $17,250 $2,573 $3,064
USAA $1,169 $1,184 $1,073 $1,096 $3,110 $3,307 $1,402 $1,549

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Minimum Car Insurance in Ayrshire, IA

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

Minimum Required Car Insurance Coverage in Ayrshire, 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 Ayrshire, IA Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Ayrshire, Iowa

Insurance Company Poor Fair Good
Allstate $3,929 $3,118 $2,800
American Family $3,893 $2,860 $2,405
Farmers $2,736 $2,270 $2,151
GEICO $2,691 $2,240 $1,788
Liberty Mutual $6,730 $4,167 $3,278
Nationwide $3,030 $2,381 $2,085
Progressive $2,426 $1,961 $1,776
State Farm $3,157 $1,953 $1,541
Travelers $6,124 $5,219 $4,970
USAA $2,283 $1,568 $1,358

Cheapest Ayrshire, 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 Ayrshire, IA to rates for a clean record with top companies.

Annual Ayrshire, 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 $2,204 $3,226 $4,189 $2,591
Farmers $2,033 $2,522 $2,558 $2,430
GEICO $1,702 $2,373 $3,058 $1,826
Liberty Mutual $4,077 $5,055 $5,147 $4,622
Nationwide $1,814 $2,597 $3,532 $2,050
Progressive $1,653 $2,704 $1,795 $2,066
State Farm $2,054 $2,380 $2,217 $2,217
Travelers $3,978 $5,278 $7,061 $5,435
USAA $1,329 $1,780 $2,313 $1,524

Cheapest Ayrshire, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Ayrshire, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,294 $7,089
American Family $5,256 $7,372
Farmers $4,449 $4,739
GEICO $4,142 $3,866
Liberty Mutual $11,030 $12,421
Nationwide $4,031 $5,198
Progressive $3,561 $4,012
State Farm $3,891 $4,937
Travelers $10,800 $17,250
USAA $3,110 $3,307

Cheapest Ayrshire, IA Car Insurance for Seniors

Take a look at Ayrshire, 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 Ayrshire, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,920 $1,954
American Family $1,760 $1,760
Farmers $1,324 $1,444
GEICO $1,620 $1,483
Liberty Mutual $1,972 $2,401
Nationwide $1,539 $1,639
Progressive $1,192 $1,244
State Farm $1,269 $1,269
Travelers $2,395 $2,406
USAA $1,073 $1,096

Cheapest Ayrshire, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ayrshire, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,843
American Family $4,189
Farmers $2,558
GEICO $3,058
Liberty Mutual $5,147
Nationwide $3,532
Progressive $1,795
State Farm $2,217
Travelers $7,061
USAA $2,313

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Ayrshire, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ayrshire, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,204 $3,361
American Family $3,017 $3,088
Farmers $2,386 $2,386
GEICO $2,195 $2,285
Liberty Mutual $4,725 $4,725
Nationwide $2,498 $2,498
Progressive $2,054 $2,054
State Farm $2,164 $2,270
Travelers $5,438 $5,438
USAA $1,673 $1,800

The Best Cheap Car Insurance Companies in Ayrshire, IA

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

Average Annual Car Insurance Rates by Company in Ayrshire, Iowa

Insurance Company Average Annual Rates
Allstate $3,282
American Family $3,053
Farmers $2,386
GEICO $2,240
Liberty Mutual $4,725
Nationwide $2,498
Progressive $2,054
State Farm $2,217
Travelers $5,438
USAA $1,736

Category Winners: Cheapest Car Insurance in Ayrshire, Iowa

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

Best Annual Car Insurance Rates by Company in Ayrshire, Iowa

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Ayrshire, IA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Ayrshire, Iowa

Insurance Company Low Medium High
Allstate $3,145 $3,287 $3,416
American Family $3,064 $3,222 $2,872
Farmers $2,288 $2,393 $2,476
GEICO $2,141 $2,240 $2,338
Liberty Mutual $4,523 $4,715 $4,937
Nationwide $2,595 $2,490 $2,410
Progressive $1,923 $2,062 $2,179
State Farm $2,111 $2,229 $2,311
Travelers $5,107 $5,521 $5,685
USAA $1,644 $1,742 $1,823

What affects car insurance rates in Ayrshire, Iowa?

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

Commute Time in Ayrshire

The more time you spend in your car the higher the risk of an accident. The average commute length in Ayrshire, IA is 21.8 minutes according to City-Data.

Compare Car Insurance Quotes in Ayrshire, IA

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State