Compare Baxter, IA Car Insurance Rates (2021)

Car insurance in Baxter, IA averages $241 a month. Baxter, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Baxter car insurance rates, compare quotes from the top car insurance companies in Baxter, IA.

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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...

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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

  • Average car insurance rates in Baxter, IA are $2,897/year
  • The cheapest car insurance company in Baxter for teen drivers is USAA
  • The cheapest car insurance company in Baxter is USAA

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

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

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

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

How do age, gender, and marital status affect Baxter, IA car insurance rates? Every Baxter, 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 Baxter, 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 $1,863 $1,798 $1,648 $1,680 $5,209 $5,839 $2,041 $2,105
American Family $1,859 $1,859 $1,665 $1,665 $4,988 $6,978 $1,859 $2,237
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 $2,005 $2,172 $1,770 $2,150 $10,026 $11,277 $2,271 $2,501
Nationwide $1,649 $1,693 $1,470 $1,569 $3,796 $4,905 $1,867 $2,028
Progressive $1,545 $1,482 $1,274 $1,324 $3,898 $4,396 $1,857 $2,013
State Farm $1,423 $1,423 $1,253 $1,253 $3,900 $4,938 $1,601 $1,827
Travelers $2,487 $2,536 $2,430 $2,439 $11,480 $18,430 $2,595 $3,030
USAA $1,147 $1,160 $1,055 $1,075 $3,071 $3,260 $1,373 $1,516

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Minimum Car Insurance in Baxter, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Baxter, Iowa

Insurance Company Poor Fair Good
Allstate $3,313 $2,637 $2,369
American Family $3,681 $2,707 $2,278
Farmers $2,880 $2,389 $2,262
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,078 $3,771 $2,965
Nationwide $2,881 $2,258 $1,978
Progressive $2,618 $2,125 $1,928
State Farm $3,136 $1,940 $1,530
Travelers $6,371 $5,457 $5,207
USAA $2,242 $1,543 $1,337

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

Annual Baxter, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,373 $2,856 $3,223 $2,640
American Family $2,085 $3,059 $3,961 $2,450
Farmers $2,137 $2,655 $2,697 $2,551
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,687 $4,571 $4,649 $4,179
Nationwide $1,721 $2,466 $3,356 $1,945
Progressive $1,785 $2,939 $1,938 $2,233
State Farm $2,036 $2,369 $2,202 $2,202
Travelers $4,130 $5,529 $7,407 $5,648
USAA $1,305 $1,751 $2,274 $1,498

Cheapest Baxter, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Baxter, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,209 $5,839
American Family $4,988 $6,978
Farmers $4,711 $5,019
GEICO $4,328 $4,022
Liberty Mutual $10,026 $11,277
Nationwide $3,796 $4,905
Progressive $3,898 $4,396
State Farm $3,900 $4,938
Travelers $11,480 $18,430
USAA $3,071 $3,260

Cheapest Baxter, IA Car Insurance for Seniors

Take a look at Baxter, 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 Baxter, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,648 $1,680
American Family $1,665 $1,665
Farmers $1,383 $1,513
GEICO $1,710 $1,564
Liberty Mutual $1,770 $2,150
Nationwide $1,470 $1,569
Progressive $1,274 $1,324
State Farm $1,253 $1,253
Travelers $2,430 $2,439
USAA $1,055 $1,075

Cheapest Baxter, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Baxter, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,223
American Family $3,961
Farmers $2,697
GEICO $3,206
Liberty Mutual $4,649
Nationwide $3,356
Progressive $1,938
State Farm $2,202
Travelers $7,407
USAA $2,274

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Cheapest Baxter, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Baxter, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,707 $2,838
American Family $2,855 $2,922
Farmers $2,510 $2,510
GEICO $2,294 $2,387
Liberty Mutual $4,271 $4,271
Nationwide $2,372 $2,372
Progressive $2,224 $2,224
State Farm $2,149 $2,255
Travelers $5,678 $5,678
USAA $1,645 $1,769

The Best Cheap Car Insurance Companies in Baxter, IA

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

Average Annual Car Insurance Rates by Company in Baxter, Iowa

Insurance Company Average Annual Rates
Allstate $2,773
American Family $2,889
Farmers $2,510
GEICO $2,341
Liberty Mutual $4,271
Nationwide $2,372
Progressive $2,224
State Farm $2,202
Travelers $5,678
USAA $1,707

Category Winners: Cheapest Car Insurance in Baxter, Iowa

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

Best Annual Car Insurance Rates by Company in Baxter, 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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Cheapest Baxter, IA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Baxter, Iowa

Insurance Company Low Medium High
Allstate $2,679 $2,776 $2,864
American Family $2,899 $3,050 $2,718
Farmers $2,401 $2,518 $2,611
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,096 $4,264 $4,454
Nationwide $2,476 $2,359 $2,281
Progressive $2,090 $2,231 $2,351
State Farm $2,093 $2,215 $2,298
Travelers $5,308 $5,766 $5,961
USAA $1,614 $1,713 $1,795

What affects car insurance rates in Baxter, Iowa?

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

Commute Time in Baxter

The more time you spend in your car the higher the risk of an accident. The average commute length in Baxter, IA is 26.4 minutes according to City-Data.

Compare Car Insurance Quotes in Baxter, IA

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

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Average Monthly Car Insurance Rates by State