Compare Cooper, IA Car Insurance Rates (2021)

Car insurance in Cooper, IA averages $246 a month. Cooper, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Cooper car insurance rates, compare quotes from the top car insurance companies in Cooper, 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 Cooper is USAA
  • The cheapest car insurance company in Cooper for teen drivers is USAA
  • Average car insurance rates in Cooper, IA are $2,947/year

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

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

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

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

How do age, gender, and marital status affect Cooper, IA car insurance rates? Every Cooper, 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 Cooper, 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 $1,924 $1,844 $1,711 $1,739 $5,620 $6,347 $2,091 $2,157
American Family $1,977 $1,977 $1,770 $1,770 $5,305 $7,426 $1,977 $2,380
Farmers $1,546 $1,575 $1,383 $1,513 $4,711 $5,019 $2,094 $2,240
GEICO $1,821 $1,640 $1,620 $1,483 $4,142 $3,866 $1,733 $1,612
Liberty Mutual $2,145 $2,333 $1,884 $2,291 $10,137 $11,420 $2,430 $2,683
Nationwide $1,692 $1,737 $1,508 $1,610 $3,895 $5,038 $1,916 $2,083
Progressive $1,612 $1,545 $1,329 $1,382 $4,039 $4,555 $1,936 $2,093
State Farm $1,447 $1,447 $1,269 $1,269 $3,891 $4,937 $1,626 $1,851
Travelers $2,487 $2,539 $2,414 $2,422 $10,997 $17,561 $2,585 $3,058
USAA $1,231 $1,249 $1,127 $1,155 $3,264 $3,477 $1,480 $1,638

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Minimum Car Insurance in Cooper, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Cooper, Iowa

Insurance Company Poor Fair Good
Allstate $3,503 $2,779 $2,505
American Family $3,918 $2,879 $2,420
Farmers $2,880 $2,389 $2,262
GEICO $2,691 $2,240 $1,788
Liberty Mutual $6,305 $3,882 $3,058
Nationwide $2,957 $2,317 $2,030
Progressive $2,723 $2,208 $2,003
State Farm $3,157 $1,953 $1,541
Travelers $6,198 $5,288 $5,038
USAA $2,406 $1,649 $1,427

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

Annual Cooper, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,481 $3,009 $3,443 $2,783
American Family $2,219 $3,246 $4,217 $2,608
Farmers $2,137 $2,655 $2,697 $2,551
GEICO $1,702 $2,373 $3,058 $1,826
Liberty Mutual $3,815 $4,714 $4,816 $4,316
Nationwide $1,763 $2,531 $3,450 $1,995
Progressive $1,856 $3,052 $2,015 $2,322
State Farm $2,054 $2,380 $2,217 $2,217
Travelers $4,019 $5,349 $7,163 $5,500
USAA $1,399 $1,873 $2,435 $1,604

Cheapest Cooper, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Cooper, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,620 $6,347
American Family $5,305 $7,426
Farmers $4,711 $5,019
GEICO $4,142 $3,866
Liberty Mutual $10,137 $11,420
Nationwide $3,895 $5,038
Progressive $4,039 $4,555
State Farm $3,891 $4,937
Travelers $10,997 $17,561
USAA $3,264 $3,477

Cheapest Cooper, IA Car Insurance for Seniors

Take a look at Cooper, 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 Cooper, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,711 $1,739
American Family $1,770 $1,770
Farmers $1,383 $1,513
GEICO $1,620 $1,483
Liberty Mutual $1,884 $2,291
Nationwide $1,508 $1,610
Progressive $1,329 $1,382
State Farm $1,269 $1,269
Travelers $2,414 $2,422
USAA $1,127 $1,155

Cheapest Cooper, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Cooper, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,443
American Family $4,217
Farmers $2,697
GEICO $3,058
Liberty Mutual $4,816
Nationwide $3,450
Progressive $2,015
State Farm $2,217
Travelers $7,163
USAA $2,435

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Cheapest Cooper, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Cooper, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,859 $2,999
American Family $3,037 $3,108
Farmers $2,510 $2,510
GEICO $2,195 $2,285
Liberty Mutual $4,415 $4,415
Nationwide $2,435 $2,435
Progressive $2,311 $2,311
State Farm $2,164 $2,270
Travelers $5,508 $5,508
USAA $1,761 $1,894

The Best Cheap Car Insurance Companies in Cooper, IA

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

Average Annual Car Insurance Rates by Company in Cooper, Iowa

Insurance Company Average Annual Rates
Allstate $2,929
American Family $3,073
Farmers $2,510
GEICO $2,240
Liberty Mutual $4,415
Nationwide $2,435
Progressive $2,311
State Farm $2,217
Travelers $5,508
USAA $1,828

Category Winners: Cheapest Car Insurance in Cooper, Iowa

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

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

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

Annual Car Insurance Rates by Coverage Level in Cooper, Iowa

Insurance Company Low Medium High
Allstate $2,836 $2,932 $3,019
American Family $3,086 $3,243 $2,888
Farmers $2,401 $2,518 $2,611
GEICO $2,141 $2,240 $2,338
Liberty Mutual $4,233 $4,405 $4,608
Nationwide $2,544 $2,422 $2,339
Progressive $2,168 $2,319 $2,446
State Farm $2,111 $2,229 $2,311
Travelers $5,164 $5,593 $5,767
USAA $1,735 $1,833 $1,915

Compare Car Insurance Quotes in Cooper, IA

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

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