Compare Bernard, IA Car Insurance Rates (2021)

Car insurance in Bernard, IA averages $246 a month. Bernard, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Bernard car insurance rates, compare quotes from the top car insurance companies in Bernard, 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 Bernard, IA after a DUI are $3,561/year
  • Average car insurance rates in Bernard, IA are $2,954/year
  • The cheapest car insurance company in Bernard is USAA

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

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

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

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

How do age, gender, and marital status affect Bernard, IA car insurance rates? Every Bernard, 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 Bernard, 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 $1,804 $1,730 $1,610 $1,638 $5,259 $5,924 $1,955 $2,007
American Family $2,051 $2,051 $1,832 $1,832 $5,438 $7,652 $2,051 $2,474
Farmers $1,448 $1,476 $1,298 $1,418 $4,354 $4,641 $1,958 $2,091
GEICO $1,893 $1,693 $1,696 $1,552 $4,278 $3,972 $1,787 $1,651
Liberty Mutual $2,124 $2,307 $1,862 $2,262 $10,105 $11,375 $2,406 $2,657
Nationwide $1,686 $1,731 $1,503 $1,605 $3,861 $4,996 $1,907 $2,074
Progressive $1,762 $1,700 $1,455 $1,505 $4,284 $4,837 $2,124 $2,298
State Farm $1,494 $1,494 $1,307 $1,307 $3,960 $5,033 $1,677 $1,905
Travelers $2,463 $2,511 $2,405 $2,410 $11,192 $17,925 $2,565 $3,007
USAA $1,219 $1,228 $1,121 $1,137 $3,363 $3,558 $1,460 $1,609

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Minimum Car Insurance in Bernard, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Bernard, Iowa

Insurance Company Poor Fair Good
Allstate $3,270 $2,606 $2,347
American Family $4,048 $2,975 $2,496
Farmers $2,682 $2,221 $2,104
GEICO $2,783 $2,315 $1,848
Liberty Mutual $6,264 $3,859 $3,039
Nationwide $2,940 $2,302 $2,019
Progressive $2,952 $2,381 $2,154
State Farm $3,236 $2,001 $1,578
Travelers $6,246 $5,341 $5,093
USAA $2,410 $1,661 $1,440

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

Annual Bernard, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,328 $2,817 $3,213 $2,606
American Family $2,291 $3,348 $4,357 $2,695
Farmers $1,989 $2,468 $2,507 $2,378
GEICO $1,756 $2,451 $3,170 $1,884
Liberty Mutual $3,792 $4,683 $4,784 $4,290
Nationwide $1,752 $2,517 $3,430 $1,982
Progressive $2,008 $3,285 $2,176 $2,514
State Farm $2,109 $2,435 $2,272 $2,272
Travelers $4,044 $5,405 $7,249 $5,542
USAA $1,401 $1,885 $2,452 $1,610

Cheapest Bernard, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Bernard, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,259 $5,924
American Family $5,438 $7,652
Farmers $4,354 $4,641
GEICO $4,278 $3,972
Liberty Mutual $10,105 $11,375
Nationwide $3,861 $4,996
Progressive $4,284 $4,837
State Farm $3,960 $5,033
Travelers $11,192 $17,925
USAA $3,363 $3,558

Cheapest Bernard, IA Car Insurance for Seniors

Take a look at Bernard, 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 Bernard, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,610 $1,638
American Family $1,832 $1,832
Farmers $1,298 $1,418
GEICO $1,696 $1,552
Liberty Mutual $1,862 $2,262
Nationwide $1,503 $1,605
Progressive $1,455 $1,505
State Farm $1,307 $1,307
Travelers $2,405 $2,410
USAA $1,121 $1,137

Cheapest Bernard, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Bernard, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,213
American Family $4,357
Farmers $2,507
GEICO $3,170
Liberty Mutual $4,784
Nationwide $3,430
Progressive $2,176
State Farm $2,272
Travelers $7,249
USAA $2,452

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Cheapest Bernard, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Bernard, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,676 $2,806
American Family $3,136 $3,210
Farmers $2,336 $2,336
GEICO $2,269 $2,362
Liberty Mutual $4,387 $4,387
Nationwide $2,420 $2,420
Progressive $2,496 $2,496
State Farm $2,217 $2,327
Travelers $5,560 $5,560
USAA $1,770 $1,904

The Best Cheap Car Insurance Companies in Bernard, IA

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

Average Annual Car Insurance Rates by Company in Bernard, Iowa

Insurance Company Average Annual Rates
Allstate $2,741
American Family $3,173
Farmers $2,336
GEICO $2,315
Liberty Mutual $4,387
Nationwide $2,420
Progressive $2,496
State Farm $2,272
Travelers $5,560
USAA $1,837

Category Winners: Cheapest Car Insurance in Bernard, Iowa

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

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

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

Annual Car Insurance Rates by Coverage Level in Bernard, Iowa

Insurance Company Low Medium High
Allstate $2,647 $2,744 $2,832
American Family $3,197 $3,348 $2,973
Farmers $2,233 $2,343 $2,431
GEICO $2,192 $2,316 $2,437
Liberty Mutual $4,216 $4,380 $4,567
Nationwide $2,522 $2,409 $2,330
Progressive $2,369 $2,505 $2,613
State Farm $2,166 $2,284 $2,366
Travelers $5,196 $5,646 $5,837
USAA $1,745 $1,843 $1,923

What affects car insurance rates in Bernard, Iowa?

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

Commute Time in Bernard

The more time you spend in your car the higher the risk of an accident. The average commute length in Bernard, IA is 25.9 minutes according to City-Data.

Compare Car Insurance Quotes in Bernard, IA

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

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Average Monthly Car Insurance Rates by State