Compare Charter Oak, IA Car Insurance Rates (2021)

Car insurance in Charter Oak, IA averages $250 a month. Charter Oak, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Charter Oak car insurance rates, compare quotes from the top car insurance companies in Charter Oak, 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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Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Charter Oak, IA after a DUI are $3,599/year
  • The cheapest car insurance company in Charter Oak is USAA
  • The cheapest car insurance company in Charter Oak for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Charter Oak, IA car insurance rates? Every Charter Oak, 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 Charter Oak, 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 $2,107 $2,024 $1,869 $1,903 $6,073 $6,836 $2,298 $2,367
American Family $1,903 $1,903 $1,703 $1,703 $5,081 $7,123 $1,903 $2,292
Farmers $1,510 $1,539 $1,351 $1,477 $4,580 $4,887 $2,048 $2,192
GEICO $1,821 $1,640 $1,620 $1,483 $4,142 $3,866 $1,733 $1,612
Liberty Mutual $2,157 $2,346 $1,893 $2,303 $10,156 $11,442 $2,443 $2,697
Nationwide $1,692 $1,737 $1,508 $1,610 $3,895 $5,038 $1,916 $2,083
Progressive $1,829 $1,766 $1,507 $1,563 $4,402 $4,976 $2,200 $2,378
State Farm $1,440 $1,440 $1,261 $1,261 $3,850 $4,884 $1,618 $1,843
Travelers $2,542 $2,598 $2,451 $2,463 $11,063 $17,669 $2,636 $3,142
USAA $1,300 $1,319 $1,188 $1,218 $3,461 $3,687 $1,565 $1,732

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Minimum Car Insurance in Charter Oak, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Charter Oak, Iowa

Insurance Company Poor Fair Good
Allstate $3,814 $3,024 $2,715
American Family $3,762 $2,767 $2,325
Farmers $2,805 $2,331 $2,208
GEICO $2,691 $2,240 $1,788
Liberty Mutual $6,327 $3,894 $3,068
Nationwide $2,957 $2,317 $2,030
Progressive $3,052 $2,458 $2,223
State Farm $3,133 $1,938 $1,529
Travelers $6,274 $5,347 $5,091
USAA $2,547 $1,745 $1,510

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

Annual Charter Oak, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,707 $3,282 $3,723 $3,026
American Family $2,130 $3,123 $4,048 $2,504
Farmers $2,088 $2,586 $2,622 $2,496
GEICO $1,702 $2,373 $3,058 $1,826
Liberty Mutual $3,828 $4,728 $4,832 $4,330
Nationwide $1,763 $2,531 $3,450 $1,995
Progressive $2,074 $3,388 $2,250 $2,598
State Farm $2,040 $2,360 $2,200 $2,200
Travelers $4,075 $5,408 $7,233 $5,566
USAA $1,478 $1,982 $2,578 $1,696

Cheapest Charter Oak, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Charter Oak, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,073 $6,836
American Family $5,081 $7,123
Farmers $4,580 $4,887
GEICO $4,142 $3,866
Liberty Mutual $10,156 $11,442
Nationwide $3,895 $5,038
Progressive $4,402 $4,976
State Farm $3,850 $4,884
Travelers $11,063 $17,669
USAA $3,461 $3,687

Cheapest Charter Oak, IA Car Insurance for Seniors

Take a look at Charter Oak, 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 Charter Oak, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,869 $1,903
American Family $1,703 $1,703
Farmers $1,351 $1,477
GEICO $1,620 $1,483
Liberty Mutual $1,893 $2,303
Nationwide $1,508 $1,610
Progressive $1,507 $1,563
State Farm $1,261 $1,261
Travelers $2,451 $2,463
USAA $1,188 $1,218

Cheapest Charter Oak, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Charter Oak, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,723
American Family $4,048
Farmers $2,622
GEICO $3,058
Liberty Mutual $4,832
Nationwide $3,450
Progressive $2,250
State Farm $2,200
Travelers $7,233
USAA $2,578

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Cheapest Charter Oak, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Charter Oak, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,109 $3,261
American Family $2,917 $2,986
Farmers $2,448 $2,448
GEICO $2,195 $2,285
Liberty Mutual $4,430 $4,430
Nationwide $2,435 $2,435
Progressive $2,578 $2,578
State Farm $2,147 $2,252
Travelers $5,571 $5,571
USAA $1,863 $2,004

The Best Cheap Car Insurance Companies in Charter Oak, IA

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

Average Annual Car Insurance Rates by Company in Charter Oak, Iowa

Insurance Company Average Annual Rates
Allstate $3,185
American Family $2,951
Farmers $2,448
GEICO $2,240
Liberty Mutual $4,430
Nationwide $2,435
Progressive $2,578
State Farm $2,200
Travelers $5,571
USAA $1,934

Category Winners: Cheapest Car Insurance in Charter Oak, Iowa

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

Best Annual Car Insurance Rates by Company in Charter Oak, Iowa

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

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Cheapest Charter Oak, IA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Charter Oak, Iowa

Insurance Company Low Medium High
Allstate $3,047 $3,189 $3,318
American Family $2,967 $3,115 $2,772
Farmers $2,348 $2,456 $2,540
GEICO $2,141 $2,240 $2,338
Liberty Mutual $4,247 $4,420 $4,622
Nationwide $2,544 $2,422 $2,339
Progressive $2,426 $2,584 $2,722
State Farm $2,100 $2,211 $2,288
Travelers $5,238 $5,655 $5,819
USAA $1,835 $1,940 $2,026

What affects car insurance rates in Charter Oak, Iowa?

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

Commute Time in Charter Oak

The more time you spend in your car the higher the risk of an accident. The average commute length in Charter Oak, IA is 19.5 minutes according to City-Data.

Compare Car Insurance Quotes in Charter Oak, IA

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

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