Compare Elk Horn, IA Car Insurance Rates (2021)

Car insurance in Elk Horn, IA averages $251 a month. Elk Horn, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Elk Horn car insurance rates, compare quotes from the top car insurance companies in Elk Horn, 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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Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Elk Horn, IA after a DUI are $3,632/year
  • The cheapest car insurance company in Elk Horn for teen drivers is USAA
  • The cheapest car insurance company in Elk Horn is USAA

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

You’ll find Elk Horn car insurance rates, the cheapest Elk Horn, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Elk Horn, Iowa car insurance rates to Ames car insurance rates, West Des Moines car insurance rates, and Davenport car insurance rates.

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

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

How do age, gender, and marital status affect Elk Horn, IA car insurance rates? Every Elk Horn, 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 Elk Horn, 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 $2,126 $2,041 $1,886 $1,920 $6,188 $6,969 $2,317 $2,385
American Family $2,002 $2,002 $1,790 $1,790 $5,344 $7,497 $2,002 $2,412
Farmers $1,595 $1,625 $1,428 $1,560 $4,821 $5,140 $2,159 $2,309
GEICO $1,821 $1,640 $1,620 $1,483 $4,142 $3,866 $1,733 $1,612
Liberty Mutual $2,134 $2,321 $1,864 $2,263 $9,920 $11,166 $2,418 $2,674
Nationwide $1,741 $1,789 $1,551 $1,657 $4,001 $5,180 $1,971 $2,144
Progressive $1,736 $1,683 $1,432 $1,481 $4,063 $4,594 $2,090 $2,253
State Farm $1,481 $1,481 $1,296 $1,296 $3,949 $5,014 $1,664 $1,893
Travelers $2,567 $2,623 $2,477 $2,486 $11,028 $17,492 $2,665 $3,184
USAA $1,301 $1,324 $1,186 $1,221 $3,408 $3,641 $1,569 $1,739

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Minimum Car Insurance in Elk Horn, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Elk Horn, Iowa

Insurance Company Poor Fair Good
Allstate $3,861 $3,069 $2,757
American Family $3,960 $2,910 $2,445
Farmers $2,960 $2,455 $2,325
GEICO $2,691 $2,240 $1,788
Liberty Mutual $6,213 $3,815 $3,007
Nationwide $3,043 $2,382 $2,087
Progressive $2,871 $2,302 $2,077
State Farm $3,218 $1,990 $1,570
Travelers $6,273 $5,341 $5,083
USAA $2,538 $1,734 $1,499

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

Annual Elk Horn, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,742 $3,324 $3,781 $3,068
American Family $2,242 $3,279 $4,262 $2,636
Farmers $2,198 $2,727 $2,768 $2,627
GEICO $1,702 $2,373 $3,058 $1,826
Liberty Mutual $3,759 $4,632 $4,742 $4,247
Nationwide $1,811 $2,604 $3,552 $2,050
Progressive $1,949 $3,164 $2,112 $2,440
State Farm $2,096 $2,423 $2,259 $2,259
Travelers $4,070 $5,402 $7,221 $5,568
USAA $1,474 $1,968 $2,562 $1,690

Cheapest Elk Horn, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Elk Horn, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,188 $6,969
American Family $5,344 $7,497
Farmers $4,821 $5,140
GEICO $4,142 $3,866
Liberty Mutual $9,920 $11,166
Nationwide $4,001 $5,180
Progressive $4,063 $4,594
State Farm $3,949 $5,014
Travelers $11,028 $17,492
USAA $3,408 $3,641

Cheapest Elk Horn, IA Car Insurance for Seniors

Take a look at Elk Horn, 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 Elk Horn, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,886 $1,920
American Family $1,790 $1,790
Farmers $1,428 $1,560
GEICO $1,620 $1,483
Liberty Mutual $1,864 $2,263
Nationwide $1,551 $1,657
Progressive $1,432 $1,481
State Farm $1,296 $1,296
Travelers $2,477 $2,486
USAA $1,186 $1,221

Cheapest Elk Horn, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Elk Horn, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,781
American Family $4,262
Farmers $2,768
GEICO $3,058
Liberty Mutual $4,742
Nationwide $3,552
Progressive $2,112
State Farm $2,259
Travelers $7,221
USAA $2,562

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Cheapest Elk Horn, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Elk Horn, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,152 $3,306
American Family $3,069 $3,141
Farmers $2,580 $2,580
GEICO $2,195 $2,285
Liberty Mutual $4,345 $4,345
Nationwide $2,504 $2,504
Progressive $2,416 $2,416
State Farm $2,205 $2,314
Travelers $5,565 $5,565
USAA $1,853 $1,994

The Best Cheap Car Insurance Companies in Elk Horn, IA

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

Average Annual Car Insurance Rates by Company in Elk Horn, Iowa

Insurance Company Average Annual Rates
Allstate $3,229
American Family $3,105
Farmers $2,580
GEICO $2,240
Liberty Mutual $4,345
Nationwide $2,504
Progressive $2,416
State Farm $2,259
Travelers $5,565
USAA $1,924

Category Winners: Cheapest Car Insurance in Elk Horn, Iowa

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

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

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

Annual Car Insurance Rates by Coverage Level in Elk Horn, Iowa

Insurance Company Low Medium High
Allstate $3,110 $3,233 $3,344
American Family $3,125 $3,277 $2,913
Farmers $2,470 $2,588 $2,682
GEICO $2,141 $2,240 $2,338
Liberty Mutual $4,184 $4,338 $4,514
Nationwide $2,617 $2,491 $2,405
Progressive $2,287 $2,424 $2,538
State Farm $2,156 $2,271 $2,351
Travelers $5,263 $5,648 $5,785
USAA $1,832 $1,929 $2,010

What affects car insurance rates in Elk Horn, Iowa?

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

Commute Time in Elk Horn

The more time you spend in your car the higher the risk of an accident. The average commute length in Elk Horn, IA is 18.8 minutes according to City-Data.

Compare Car Insurance Quotes in Elk Horn, IA

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

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