Compare Chariton, IA Car Insurance Rates (2021)

Car insurance in Chariton, IA averages $251 a month. Chariton, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Chariton car insurance rates, compare quotes from the top car insurance companies in Chariton, 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 Chariton for teen drivers is USAA
  • Average car insurance rates in Chariton, IA after a DUI are $3,624/year
  • The cheapest car insurance company in Chariton is USAA

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

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

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

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

How do age, gender, and marital status affect Chariton, IA car insurance rates? Every Chariton, 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 Chariton, 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 $1,862 $1,796 $1,647 $1,678 $5,208 $5,838 $2,040 $2,103
American Family $2,012 $2,012 $1,799 $1,799 $5,354 $7,522 $2,012 $2,427
Farmers $1,506 $1,534 $1,351 $1,474 $4,505 $4,797 $2,033 $2,173
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,147 $2,334 $1,883 $2,289 $10,152 $11,432 $2,432 $2,686
Nationwide $1,857 $1,913 $1,650 $1,770 $4,173 $5,435 $2,090 $2,282
Progressive $1,818 $1,769 $1,499 $1,548 $4,131 $4,676 $2,190 $2,357
State Farm $1,592 $1,592 $1,380 $1,380 $4,042 $5,161 $1,783 $2,015
Travelers $2,545 $2,598 $2,467 $2,474 $11,202 $17,852 $2,644 $3,137
USAA $1,253 $1,270 $1,147 $1,174 $3,349 $3,563 $1,506 $1,665

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Minimum Car Insurance in Chariton, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Chariton, Iowa

Insurance Company Poor Fair Good
Allstate $3,311 $2,636 $2,368
American Family $3,976 $2,922 $2,454
Farmers $2,783 $2,302 $2,180
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,311 $3,886 $3,061
Nationwide $3,226 $2,510 $2,203
Progressive $2,979 $2,377 $2,140
State Farm $3,373 $2,086 $1,645
Travelers $6,319 $5,391 $5,135
USAA $2,456 $1,684 $1,458

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

Annual Chariton, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,371 $2,855 $3,222 $2,638
American Family $2,251 $3,292 $4,279 $2,647
Farmers $2,061 $2,560 $2,601 $2,465
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,820 $4,717 $4,820 $4,320
Nationwide $1,902 $2,753 $3,772 $2,159
Progressive $2,019 $3,260 $2,186 $2,529
State Farm $2,210 $2,526 $2,368 $2,368
Travelers $4,097 $5,453 $7,301 $5,608
USAA $1,427 $1,912 $2,487 $1,638

Cheapest Chariton, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Chariton, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,208 $5,838
American Family $5,354 $7,522
Farmers $4,505 $4,797
GEICO $4,328 $4,022
Liberty Mutual $10,152 $11,432
Nationwide $4,173 $5,435
Progressive $4,131 $4,676
State Farm $4,042 $5,161
Travelers $11,202 $17,852
USAA $3,349 $3,563

Cheapest Chariton, IA Car Insurance for Seniors

Take a look at Chariton, 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 Chariton, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,647 $1,678
American Family $1,799 $1,799
Farmers $1,351 $1,474
GEICO $1,710 $1,564
Liberty Mutual $1,883 $2,289
Nationwide $1,650 $1,770
Progressive $1,499 $1,548
State Farm $1,380 $1,380
Travelers $2,467 $2,474
USAA $1,147 $1,174

Cheapest Chariton, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Chariton, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,222
American Family $4,279
Farmers $2,601
GEICO $3,206
Liberty Mutual $4,820
Nationwide $3,772
Progressive $2,186
State Farm $2,368
Travelers $7,301
USAA $2,487

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Cheapest Chariton, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Chariton, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,706 $2,837
American Family $3,081 $3,154
Farmers $2,422 $2,422
GEICO $2,294 $2,387
Liberty Mutual $4,419 $4,419
Nationwide $2,646 $2,646
Progressive $2,499 $2,499
State Farm $2,311 $2,425
Travelers $5,615 $5,615
USAA $1,798 $1,934

The Best Cheap Car Insurance Companies in Chariton, IA

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

Average Annual Car Insurance Rates by Company in Chariton, Iowa

Insurance Company Average Annual Rates
Allstate $2,772
American Family $3,117
Farmers $2,422
GEICO $2,341
Liberty Mutual $4,419
Nationwide $2,646
Progressive $2,499
State Farm $2,368
Travelers $5,615
USAA $1,866

Category Winners: Cheapest Car Insurance in Chariton, Iowa

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

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

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

Annual Car Insurance Rates by Coverage Level in Chariton, Iowa

Insurance Company Low Medium High
Allstate $2,678 $2,775 $2,862
American Family $3,140 $3,290 $2,922
Farmers $2,314 $2,429 $2,522
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,243 $4,411 $4,604
Nationwide $2,780 $2,625 $2,533
Progressive $2,377 $2,507 $2,612
State Farm $2,269 $2,380 $2,457
Travelers $5,285 $5,700 $5,860
USAA $1,772 $1,872 $1,954

What affects car insurance rates in Chariton, Iowa?

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

Commute Time in Chariton

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

Compare Car Insurance Quotes in Chariton, IA

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

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