Compare Clear Lake, IA Car Insurance Rates (2021)

Car insurance in Clear Lake, IA averages $231 a month. Clear Lake, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Clear Lake car insurance rates, compare quotes from the top car insurance companies in Clear Lake, 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

  • The cheapest car insurance company in Clear Lake is USAA
  • The cheapest car insurance company in Clear Lake for teen drivers is USAA
  • Average car insurance rates in Clear Lake, IA after a DUI are $3,346/year

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

You’ll find Clear Lake car insurance rates, the cheapest Clear Lake, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Clear Lake, Iowa car insurance rates to Ankeny car insurance rates, Cedar Rapids car insurance rates, and Davenport car insurance rates.

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

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

How do age, gender, and marital status affect Clear Lake, IA car insurance rates? Every Clear Lake, 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 Clear Lake, 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 $1,772 $1,772 $1,589 $1,589 $4,783 $6,671 $1,772 $2,131
Farmers $1,483 $1,511 $1,327 $1,449 $4,490 $4,788 $2,009 $2,153
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,045 $2,218 $1,800 $2,185 $10,036 $11,288 $2,318 $2,556
Nationwide $1,633 $1,676 $1,458 $1,554 $3,749 $4,846 $1,849 $2,009
Progressive $1,312 $1,254 $1,083 $1,126 $3,387 $3,812 $1,577 $1,710
State Farm $1,346 $1,346 $1,187 $1,187 $3,715 $4,700 $1,515 $1,730
Travelers $2,279 $2,327 $2,206 $2,216 $10,019 $15,991 $2,368 $2,804
USAA $1,190 $1,199 $1,097 $1,112 $3,264 $3,454 $1,423 $1,568

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Minimum Car Insurance in Clear Lake, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Clear Lake, Iowa

Insurance Company Poor Fair Good
Allstate $3,313 $2,637 $2,369
American Family $3,516 $2,586 $2,179
Farmers $2,752 $2,286 $2,166
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,137 $3,795 $2,985
Nationwide $2,848 $2,233 $1,959
Progressive $2,241 $1,824 $1,658
State Farm $2,977 $1,842 $1,453
Travelers $5,655 $4,826 $4,598
USAA $2,344 $1,618 $1,403

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

Annual Clear Lake, 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 $1,991 $2,928 $3,782 $2,339
Farmers $2,047 $2,538 $2,573 $2,447
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,719 $4,603 $4,690 $4,212
Nationwide $1,702 $2,440 $3,321 $1,924
Progressive $1,531 $2,526 $1,661 $1,912
State Farm $1,931 $2,251 $2,091 $2,091
Travelers $3,674 $4,885 $6,529 $5,016
USAA $1,363 $1,837 $2,386 $1,567

Cheapest Clear Lake, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Clear Lake, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,209 $5,839
American Family $4,783 $6,671
Farmers $4,490 $4,788
GEICO $4,328 $4,022
Liberty Mutual $10,036 $11,288
Nationwide $3,749 $4,846
Progressive $3,387 $3,812
State Farm $3,715 $4,700
Travelers $10,019 $15,991
USAA $3,264 $3,454

Cheapest Clear Lake, IA Car Insurance for Seniors

Take a look at Clear Lake, 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 Clear Lake, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,648 $1,680
American Family $1,589 $1,589
Farmers $1,327 $1,449
GEICO $1,710 $1,564
Liberty Mutual $1,800 $2,185
Nationwide $1,458 $1,554
Progressive $1,083 $1,126
State Farm $1,187 $1,187
Travelers $2,206 $2,216
USAA $1,097 $1,112

Cheapest Clear Lake, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Clear Lake, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,223
American Family $3,782
Farmers $2,573
GEICO $3,206
Liberty Mutual $4,690
Nationwide $3,321
Progressive $1,661
State Farm $2,091
Travelers $6,529
USAA $2,386

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Cheapest Clear Lake, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Clear Lake, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,707 $2,838
American Family $2,728 $2,792
Farmers $2,401 $2,401
GEICO $2,294 $2,387
Liberty Mutual $4,306 $4,306
Nationwide $2,347 $2,347
Progressive $1,908 $1,908
State Farm $2,041 $2,141
Travelers $5,026 $5,026
USAA $1,723 $1,854

The Best Cheap Car Insurance Companies in Clear Lake, IA

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

Average Annual Car Insurance Rates by Company in Clear Lake, Iowa

Insurance Company Average Annual Rates
Allstate $2,773
American Family $2,760
Farmers $2,401
GEICO $2,341
Liberty Mutual $4,306
Nationwide $2,347
Progressive $1,908
State Farm $2,091
Travelers $5,026
USAA $1,788

Category Winners: Cheapest Car Insurance in Clear Lake, Iowa

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

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

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

Annual Car Insurance Rates by Coverage Level in Clear Lake, Iowa

Insurance Company Low Medium High
Allstate $2,679 $2,776 $2,864
American Family $2,768 $2,914 $2,599
Farmers $2,304 $2,409 $2,490
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,139 $4,299 $4,480
Nationwide $2,441 $2,337 $2,262
Progressive $1,797 $1,915 $2,010
State Farm $1,986 $2,103 $2,184
Travelers $4,724 $5,103 $5,252
USAA $1,689 $1,795 $1,882

What affects car insurance rates in Clear Lake, Iowa?

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

Commute Time in Clear Lake

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

Compare Car Insurance Quotes in Clear Lake, IA

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

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