Compare Cincinnati, IA Car Insurance Rates (2021)

Car insurance in Cincinnati, IA averages $250 a month. Cincinnati, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Cincinnati car insurance rates, compare quotes from the top car insurance companies in Cincinnati, 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 Cincinnati, IA are $3,001/year
  • Average car insurance rates in Cincinnati, IA after a DUI are $3,611/year
  • The cheapest car insurance company in Cincinnati is USAA

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

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

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

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

How do age, gender, and marital status affect Cincinnati, IA car insurance rates? Every Cincinnati, 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 Cincinnati, 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 $1,896 $1,833 $1,674 $1,707 $5,256 $5,883 $2,083 $2,149
American Family $2,029 $2,029 $1,809 $1,809 $5,323 $7,520 $2,029 $2,449
Farmers $1,539 $1,569 $1,379 $1,507 $4,626 $4,935 $2,082 $2,222
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 $1,871 $1,819 $1,540 $1,594 $4,299 $4,869 $2,254 $2,433
State Farm $1,548 $1,548 $1,341 $1,341 $3,918 $5,002 $1,734 $1,961
Travelers $2,515 $2,571 $2,422 $2,432 $10,762 $17,071 $2,609 $3,125
USAA $1,253 $1,270 $1,147 $1,174 $3,349 $3,563 $1,506 $1,665

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 Cincinnati, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Cincinnati, Iowa

Insurance Company Poor Fair Good
Allstate $3,357 $2,673 $2,400
American Family $3,987 $2,929 $2,457
Farmers $2,850 $2,361 $2,236
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,311 $3,886 $3,061
Nationwide $3,226 $2,510 $2,203
Progressive $3,078 $2,460 $2,217
State Farm $3,275 $2,025 $1,597
Travelers $6,130 $5,219 $4,966
USAA $2,456 $1,684 $1,458

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

Annual Cincinnati, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,409 $2,896 $3,260 $2,676
American Family $2,256 $3,300 $4,289 $2,654
Farmers $2,115 $2,622 $2,663 $2,529
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 $2,087 $3,377 $2,260 $2,615
State Farm $2,146 $2,452 $2,299 $2,299
Travelers $3,981 $5,279 $7,053 $5,440
USAA $1,427 $1,912 $2,487 $1,638

Cheapest Cincinnati, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Cincinnati, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,256 $5,883
American Family $5,323 $7,520
Farmers $4,626 $4,935
GEICO $4,328 $4,022
Liberty Mutual $10,152 $11,432
Nationwide $4,173 $5,435
Progressive $4,299 $4,869
State Farm $3,918 $5,002
Travelers $10,762 $17,071
USAA $3,349 $3,563

Cheapest Cincinnati, IA Car Insurance for Seniors

Take a look at Cincinnati, 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 Cincinnati, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,674 $1,707
American Family $1,809 $1,809
Farmers $1,379 $1,507
GEICO $1,710 $1,564
Liberty Mutual $1,883 $2,289
Nationwide $1,650 $1,770
Progressive $1,540 $1,594
State Farm $1,341 $1,341
Travelers $2,422 $2,432
USAA $1,147 $1,174

Cheapest Cincinnati, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Cincinnati, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,260
American Family $4,289
Farmers $2,663
GEICO $3,206
Liberty Mutual $4,820
Nationwide $3,772
Progressive $2,260
State Farm $2,299
Travelers $7,053
USAA $2,487

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Cincinnati, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Cincinnati, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,744 $2,877
American Family $3,088 $3,161
Farmers $2,482 $2,482
GEICO $2,294 $2,387
Liberty Mutual $4,419 $4,419
Nationwide $2,646 $2,646
Progressive $2,585 $2,585
State Farm $2,244 $2,354
Travelers $5,438 $5,438
USAA $1,798 $1,934

The Best Cheap Car Insurance Companies in Cincinnati, IA

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

Average Annual Car Insurance Rates by Company in Cincinnati, Iowa

Insurance Company Average Annual Rates
Allstate $2,810
American Family $3,125
Farmers $2,482
GEICO $2,341
Liberty Mutual $4,419
Nationwide $2,646
Progressive $2,585
State Farm $2,299
Travelers $5,438
USAA $1,866

Category Winners: Cheapest Car Insurance in Cincinnati, Iowa

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

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

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

Annual Car Insurance Rates by Coverage Level in Cincinnati, Iowa

Insurance Company Low Medium High
Allstate $2,717 $2,813 $2,900
American Family $3,152 $3,298 $2,924
Farmers $2,373 $2,490 $2,584
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,243 $4,411 $4,604
Nationwide $2,780 $2,625 $2,533
Progressive $2,449 $2,590 $2,715
State Farm $2,206 $2,310 $2,382
Travelers $5,154 $5,518 $5,642
USAA $1,772 $1,872 $1,954

What affects car insurance rates in Cincinnati, Iowa?

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

Commute Time in Cincinnati

The more time you spend in your car the higher the risk of an accident. The average commute length in Cincinnati, IA is 24.1 minutes according to City-Data.

Traffic in Cincinnati

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Cincinnati, IA traffic data from INRIX ranks Cincinnati as the 604th-most congested in the world.

Compare Car Insurance Quotes in Cincinnati, IA

Ready to find affordable Cincinnati, Iowa car insurance today? Enter your ZIP code for fast, free Cincinnati, 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