Compare Council Bluffs, IA Car Insurance Rates (2021)

Car insurance in Council Bluffs, IA averages $300 a month. Council Bluffs, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Council Bluffs car insurance rates, compare quotes from the top car insurance companies in Council Bluffs, 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 Council Bluffs is USAA
  • Average car insurance rates in Council Bluffs, IA after a DUI are $4,364/year
  • Average car insurance rates in Council Bluffs, IA are $3,605/year

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

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

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

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

How do age, gender, and marital status affect Council Bluffs, IA car insurance rates? Every Council Bluffs, 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 Council Bluffs, 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 $2,160 $2,072 $1,919 $1,954 $6,293 $7,087 $2,351 $2,417
American Family $2,096 $2,096 $1,878 $1,878 $5,681 $7,928 $2,096 $2,517
Farmers $1,665 $1,698 $1,489 $1,633 $5,091 $5,443 $2,261 $2,409
GEICO $2,096 $1,873 $1,919 $1,767 $4,871 $4,511 $1,947 $1,781
Liberty Mutual $2,308 $2,504 $2,044 $2,492 $11,623 $13,090 $2,617 $2,880
Nationwide $2,304 $2,365 $2,048 $2,190 $5,348 $6,943 $2,614 $2,849
Progressive $2,451 $2,381 $2,026 $2,089 $5,660 $6,413 $2,954 $3,181
State Farm $1,497 $1,497 $1,341 $1,341 $4,442 $5,591 $1,691 $1,944
Travelers $3,428 $3,503 $3,318 $3,344 $15,880 $25,714 $3,565 $4,199
USAA $1,476 $1,491 $1,354 $1,379 $4,072 $4,322 $1,776 $1,966

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Minimum Car Insurance in Council Bluffs, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Council Bluffs, Iowa

Insurance Company Poor Fair Good
Allstate $3,928 $3,118 $2,800
American Family $4,173 $3,061 $2,580
Farmers $3,108 $2,581 $2,445
GEICO $3,123 $2,596 $2,069
Liberty Mutual $7,041 $4,365 $3,429
Nationwide $4,053 $3,168 $2,777
Progressive $4,034 $3,234 $2,916
State Farm $3,444 $2,130 $1,680
Travelers $8,831 $7,560 $7,216
USAA $2,929 $2,015 $1,745

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

Annual Council Bluffs, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,786 $3,380 $3,842 $3,118
American Family $2,365 $3,448 $4,494 $2,779
Farmers $2,313 $2,863 $2,907 $2,763
GEICO $1,927 $2,752 $3,635 $2,068
Liberty Mutual $4,262 $5,296 $5,383 $4,837
Nationwide $2,394 $3,467 $4,752 $2,717
Progressive $2,735 $4,444 $2,968 $3,431
State Farm $2,213 $2,623 $2,418 $2,418
Travelers $5,736 $7,658 $10,262 $7,819
USAA $1,696 $2,291 $2,979 $1,952

Cheapest Council Bluffs, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Council Bluffs, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,293 $7,087
American Family $5,681 $7,928
Farmers $5,091 $5,443
GEICO $4,871 $4,511
Liberty Mutual $11,623 $13,090
Nationwide $5,348 $6,943
Progressive $5,660 $6,413
State Farm $4,442 $5,591
Travelers $15,880 $25,714
USAA $4,072 $4,322

Cheapest Council Bluffs, IA Car Insurance for Seniors

Take a look at Council Bluffs, 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 Council Bluffs, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,919 $1,954
American Family $1,878 $1,878
Farmers $1,489 $1,633
GEICO $1,919 $1,767
Liberty Mutual $2,044 $2,492
Nationwide $2,048 $2,190
Progressive $2,026 $2,089
State Farm $1,341 $1,341
Travelers $3,318 $3,344
USAA $1,354 $1,379

Cheapest Council Bluffs, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Council Bluffs, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,842
American Family $4,494
Farmers $2,907
GEICO $3,635
Liberty Mutual $5,383
Nationwide $4,752
Progressive $2,968
State Farm $2,418
Travelers $10,262
USAA $2,979

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Cheapest Council Bluffs, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Council Bluffs, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,203 $3,360
American Family $3,233 $3,310
Farmers $2,711 $2,711
GEICO $2,548 $2,643
Liberty Mutual $4,945 $4,945
Nationwide $3,333 $3,333
Progressive $3,395 $3,395
State Farm $2,359 $2,478
Travelers $7,869 $7,869
USAA $2,148 $2,311

Cheapest Council Bluffs, IA Car Insurance Rates by ZIP Code

Council Bluffs car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Council Bluffs, IA.

Annual Car Insurance Rates by ZIP Code in Council Bluffs, Iowa

ZIP Code Average Annual Rates
51501 $3,090
51503 $3,044

The Best Cheap Car Insurance Companies in Council Bluffs, IA

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

Average Annual Car Insurance Rates by Company in Council Bluffs, Iowa

Insurance Company Average Annual Rates
Allstate $3,282
American Family $3,271
Farmers $2,711
GEICO $2,596
Liberty Mutual $4,945
Nationwide $3,333
Progressive $3,395
State Farm $2,418
Travelers $7,869
USAA $2,230

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Category Winners: Cheapest Car Insurance in Council Bluffs, Iowa

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

Best Annual Car Insurance Rates by Company in Council Bluffs, Iowa

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

Cheapest Council Bluffs, IA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Council Bluffs, Iowa

Insurance Company Low Medium High
Allstate $3,144 $3,286 $3,415
American Family $3,260 $3,455 $3,099
Farmers $2,592 $2,721 $2,821
GEICO $2,427 $2,597 $2,763
Liberty Mutual $4,724 $4,933 $5,177
Nationwide $3,458 $3,324 $3,216
Progressive $3,191 $3,404 $3,588
State Farm $2,272 $2,436 $2,546
Travelers $7,333 $7,993 $8,281
USAA $2,113 $2,238 $2,338

What affects car insurance rates in Council Bluffs, Iowa?

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

Commute Time in Council Bluffs

The more time you spend in your car the higher the risk of an accident. The average commute length in Council Bluffs, IA is 19.3 minutes according to City-Data.

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Compare Car Insurance Quotes in Council Bluffs, IA

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

Free Car Insurance Comparison

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

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