Compare Dakota City, IA Car Insurance Rates (2021)

Car insurance in Dakota City, IA averages $249 a month. Dakota City, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Dakota City car insurance rates, compare quotes from the top car insurance companies in Dakota City, 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 Dakota City for teen drivers is USAA
  • The cheapest car insurance company in Dakota City is USAA
  • Average car insurance rates in Dakota City, IA after a DUI are $3,614/year

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

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

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

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

How do age, gender, and marital status affect Dakota City, IA car insurance rates? Every Dakota City, 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 Dakota City, 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 $1,882 $1,800 $1,683 $1,713 $5,590 $6,306 $2,034 $2,080
American Family $1,850 $1,850 $1,659 $1,659 $4,995 $6,970 $1,850 $2,225
Farmers $1,478 $1,506 $1,324 $1,444 $4,449 $4,739 $2,000 $2,144
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,145 $2,333 $1,884 $2,291 $10,137 $11,420 $2,430 $2,683
Nationwide $1,640 $1,682 $1,464 $1,560 $3,780 $4,882 $1,858 $2,019
Progressive $1,627 $1,560 $1,342 $1,395 $4,069 $4,587 $1,955 $2,113
State Farm $1,382 $1,382 $1,219 $1,219 $3,817 $4,829 $1,555 $1,777
Travelers $2,803 $2,859 $2,737 $2,740 $12,632 $20,208 $2,915 $3,431
USAA $1,255 $1,270 $1,149 $1,174 $3,380 $3,592 $1,508 $1,666

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Minimum Car Insurance in Dakota City, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Dakota City, Iowa

Insurance Company Poor Fair Good
Allstate $3,443 $2,746 $2,469
American Family $3,673 $2,700 $2,274
Farmers $2,736 $2,270 $2,151
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,305 $3,882 $3,058
Nationwide $2,864 $2,248 $1,970
Progressive $2,748 $2,226 $2,019
State Farm $3,058 $1,892 $1,492
Travelers $7,075 $6,041 $5,756
USAA $2,466 $1,692 $1,465

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

Annual Dakota City, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,444 $2,972 $3,388 $2,740
American Family $2,080 $3,052 $3,952 $2,444
Farmers $2,033 $2,522 $2,558 $2,430
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,815 $4,714 $4,816 $4,316
Nationwide $1,713 $2,454 $3,340 $1,936
Progressive $1,872 $3,078 $2,032 $2,343
State Farm $1,983 $2,312 $2,147 $2,147
Travelers $4,572 $6,106 $8,202 $6,282
USAA $1,432 $1,922 $2,500 $1,643

Cheapest Dakota City, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Dakota City, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,590 $6,306
American Family $4,995 $6,970
Farmers $4,449 $4,739
GEICO $4,328 $4,022
Liberty Mutual $10,137 $11,420
Nationwide $3,780 $4,882
Progressive $4,069 $4,587
State Farm $3,817 $4,829
Travelers $12,632 $20,208
USAA $3,380 $3,592

Cheapest Dakota City, IA Car Insurance for Seniors

Take a look at Dakota City, 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 Dakota City, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,683 $1,713
American Family $1,659 $1,659
Farmers $1,324 $1,444
GEICO $1,710 $1,564
Liberty Mutual $1,884 $2,291
Nationwide $1,464 $1,560
Progressive $1,342 $1,395
State Farm $1,219 $1,219
Travelers $2,737 $2,740
USAA $1,149 $1,174

Cheapest Dakota City, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Dakota City, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,388
American Family $3,952
Farmers $2,558
GEICO $3,206
Liberty Mutual $4,816
Nationwide $3,340
Progressive $2,032
State Farm $2,147
Travelers $8,202
USAA $2,500

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Cheapest Dakota City, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Dakota City, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,817 $2,954
American Family $2,849 $2,916
Farmers $2,386 $2,386
GEICO $2,294 $2,387
Liberty Mutual $4,415 $4,415
Nationwide $2,361 $2,361
Progressive $2,331 $2,331
State Farm $2,096 $2,199
Travelers $6,291 $6,291
USAA $1,806 $1,943

The Best Cheap Car Insurance Companies in Dakota City, IA

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

Average Annual Car Insurance Rates by Company in Dakota City, Iowa

Insurance Company Average Annual Rates
Allstate $2,886
American Family $2,882
Farmers $2,386
GEICO $2,341
Liberty Mutual $4,415
Nationwide $2,361
Progressive $2,331
State Farm $2,147
Travelers $6,291
USAA $1,874

Category Winners: Cheapest Car Insurance in Dakota City, Iowa

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

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

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

Annual Car Insurance Rates by Coverage Level in Dakota City, Iowa

Insurance Company Low Medium High
Allstate $2,755 $2,891 $3,012
American Family $2,887 $3,043 $2,717
Farmers $2,288 $2,393 $2,476
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,233 $4,405 $4,608
Nationwide $2,455 $2,351 $2,276
Progressive $2,196 $2,340 $2,457
State Farm $2,040 $2,160 $2,242
Travelers $5,869 $6,389 $6,613
USAA $1,780 $1,880 $1,963

What affects car insurance rates in Dakota City, Iowa?

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

Commute Time in Dakota City

The more time you spend in your car the higher the risk of an accident. The average commute length in Dakota City, IA is 12.2 minutes according to City-Data.

Compare Car Insurance Quotes in Dakota City, IA

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

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