Compare Earlham, IA Car Insurance Rates (2021)

Car insurance in Earlham, IA averages $250 a month. Earlham, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Earlham car insurance rates, compare quotes from the top car insurance companies in Earlham, 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 Earlham is USAA
  • Average car insurance rates in Earlham, IA are $2,998/year
  • The cheapest car insurance company in Earlham for teen drivers is USAA

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

You’ll find Earlham car insurance rates, the cheapest Earlham, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Earlham, Iowa car insurance rates to West Des Moines car insurance rates, Cedar Rapids car insurance rates, and Des Moines car insurance rates.

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

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

How do age, gender, and marital status affect Earlham, IA car insurance rates? Every Earlham, 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 Earlham, 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 $1,992 $1,895 $1,787 $1,815 $6,115 $6,935 $2,141 $2,191
American Family $1,903 $1,903 $1,703 $1,703 $5,081 $7,123 $1,903 $2,292
Farmers $1,546 $1,575 $1,383 $1,513 $4,711 $5,019 $2,094 $2,240
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,079 $2,258 $1,831 $2,225 $10,064 $11,330 $2,356 $2,597
Nationwide $1,889 $1,946 $1,678 $1,800 $4,257 $5,545 $2,128 $2,323
Progressive $1,723 $1,658 $1,422 $1,475 $4,247 $4,792 $2,073 $2,240
State Farm $1,536 $1,536 $1,343 $1,343 $4,062 $5,166 $1,725 $1,957
Travelers $2,441 $2,491 $2,374 $2,378 $10,766 $17,111 $2,539 $3,006
USAA $1,259 $1,282 $1,148 $1,184 $3,268 $3,494 $1,517 $1,682

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Minimum Car Insurance in Earlham, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Earlham, Iowa

Insurance Company Poor Fair Good
Allstate $3,713 $2,953 $2,661
American Family $3,762 $2,767 $2,325
Farmers $2,880 $2,389 $2,262
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,190 $3,825 $3,012
Nationwide $3,286 $2,558 $2,244
Progressive $2,897 $2,342 $2,122
State Farm $3,324 $2,056 $1,621
Travelers $6,063 $5,174 $4,927
USAA $2,447 $1,671 $1,444

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

Annual Earlham, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,612 $3,195 $3,681 $2,948
American Family $2,130 $3,123 $4,048 $2,504
Farmers $2,137 $2,655 $2,697 $2,551
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,751 $4,641 $4,732 $4,247
Nationwide $1,937 $2,804 $3,844 $2,199
Progressive $1,972 $3,235 $2,140 $2,469
State Farm $2,167 $2,501 $2,334 $2,334
Travelers $3,925 $5,233 $7,011 $5,384
USAA $1,423 $1,897 $2,467 $1,631

Cheapest Earlham, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Earlham, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,115 $6,935
American Family $5,081 $7,123
Farmers $4,711 $5,019
GEICO $4,328 $4,022
Liberty Mutual $10,064 $11,330
Nationwide $4,257 $5,545
Progressive $4,247 $4,792
State Farm $4,062 $5,166
Travelers $10,766 $17,111
USAA $3,268 $3,494

Cheapest Earlham, IA Car Insurance for Seniors

Take a look at Earlham, 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 Earlham, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,787 $1,815
American Family $1,703 $1,703
Farmers $1,383 $1,513
GEICO $1,710 $1,564
Liberty Mutual $1,831 $2,225
Nationwide $1,678 $1,800
Progressive $1,422 $1,475
State Farm $1,343 $1,343
Travelers $2,374 $2,378
USAA $1,148 $1,184

Cheapest Earlham, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Earlham, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,681
American Family $4,048
Farmers $2,697
GEICO $3,206
Liberty Mutual $4,732
Nationwide $3,844
Progressive $2,140
State Farm $2,334
Travelers $7,011
USAA $2,467

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Cheapest Earlham, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Earlham, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,035 $3,183
American Family $2,917 $2,986
Farmers $2,510 $2,510
GEICO $2,294 $2,387
Liberty Mutual $4,343 $4,343
Nationwide $2,696 $2,696
Progressive $2,454 $2,454
State Farm $2,277 $2,390
Travelers $5,388 $5,388
USAA $1,786 $1,922

The Best Cheap Car Insurance Companies in Earlham, IA

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

Average Annual Car Insurance Rates by Company in Earlham, Iowa

Insurance Company Average Annual Rates
Allstate $3,109
American Family $2,951
Farmers $2,510
GEICO $2,341
Liberty Mutual $4,343
Nationwide $2,696
Progressive $2,454
State Farm $2,334
Travelers $5,388
USAA $1,854

Category Winners: Cheapest Car Insurance in Earlham, Iowa

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

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

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

Annual Car Insurance Rates by Coverage Level in Earlham, Iowa

Insurance Company Low Medium High
Allstate $2,979 $3,114 $3,233
American Family $2,967 $3,115 $2,772
Farmers $2,401 $2,518 $2,611
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,163 $4,334 $4,531
Nationwide $2,832 $2,676 $2,580
Progressive $2,314 $2,463 $2,584
State Farm $2,224 $2,346 $2,430
Travelers $5,079 $5,469 $5,617
USAA $1,764 $1,860 $1,939

What affects car insurance rates in Earlham, Iowa?

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

Commute Time in Earlham

The more time you spend in your car the higher the risk of an accident. The average commute length in Earlham, IA is 24.7 minutes according to City-Data.

Compare Car Insurance Quotes in Earlham, IA

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

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