Compare Ferguson, IA Car Insurance Rates (2021)

Car insurance in Ferguson, IA averages $227 a month. Ferguson, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Ferguson car insurance rates, compare quotes from the top car insurance companies in Ferguson, 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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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Ferguson, IA after a DUI are $3,261/year
  • The cheapest car insurance company in Ferguson is USAA
  • Average car insurance rates in Ferguson, IA are $2,721/year

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

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

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

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

How do age, gender, and marital status affect Ferguson, IA car insurance rates? Every Ferguson, 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 Ferguson, 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 $1,807 $1,731 $1,611 $1,640 $5,271 $5,941 $1,959 $2,010
American Family $1,738 $1,738 $1,560 $1,560 $4,714 $6,560 $1,738 $2,087
Farmers $1,504 $1,532 $1,345 $1,469 $4,586 $4,883 $2,039 $2,191
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,081 $2,257 $1,832 $2,225 $10,185 $11,460 $2,358 $2,599
Nationwide $1,699 $1,748 $1,512 $1,619 $3,814 $4,957 $1,912 $2,085
Progressive $1,560 $1,496 $1,288 $1,335 $3,979 $4,485 $1,881 $2,046
State Farm $1,447 $1,447 $1,269 $1,269 $3,891 $4,937 $1,626 $1,851
Travelers $1,804 $1,838 $1,766 $1,767 $8,071 $12,791 $1,884 $2,206
USAA $1,135 $1,148 $1,043 $1,064 $3,019 $3,207 $1,359 $1,500

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Minimum Car Insurance in Ferguson, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Ferguson, Iowa

Insurance Company Poor Fair Good
Allstate $3,279 $2,611 $2,349
American Family $3,454 $2,540 $2,141
Farmers $2,799 $2,327 $2,204
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,233 $3,856 $3,034
Nationwide $2,944 $2,296 $2,015
Progressive $2,657 $2,158 $1,960
State Farm $3,157 $1,953 $1,541
Travelers $4,509 $3,859 $3,680
USAA $2,213 $1,521 $1,318

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

Annual Ferguson, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,331 $2,828 $3,217 $2,609
American Family $1,956 $2,879 $3,714 $2,297
Farmers $2,082 $2,586 $2,621 $2,486
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,778 $4,676 $4,765 $4,279
Nationwide $1,744 $2,515 $3,438 $1,976
Progressive $1,812 $2,990 $1,965 $2,267
State Farm $2,054 $2,380 $2,217 $2,217
Travelers $2,923 $3,910 $5,229 $4,002
USAA $1,289 $1,726 $2,243 $1,479

Cheapest Ferguson, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Ferguson, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,271 $5,941
American Family $4,714 $6,560
Farmers $4,586 $4,883
GEICO $4,328 $4,022
Liberty Mutual $10,185 $11,460
Nationwide $3,814 $4,957
Progressive $3,979 $4,485
State Farm $3,891 $4,937
Travelers $8,071 $12,791
USAA $3,019 $3,207

Cheapest Ferguson, IA Car Insurance for Seniors

Take a look at Ferguson, 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 Ferguson, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,611 $1,640
American Family $1,560 $1,560
Farmers $1,345 $1,469
GEICO $1,710 $1,564
Liberty Mutual $1,832 $2,225
Nationwide $1,512 $1,619
Progressive $1,288 $1,335
State Farm $1,269 $1,269
Travelers $1,766 $1,767
USAA $1,043 $1,064

Cheapest Ferguson, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ferguson, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,217
American Family $3,714
Farmers $2,621
GEICO $3,206
Liberty Mutual $4,765
Nationwide $3,438
Progressive $1,965
State Farm $2,217
Travelers $5,229
USAA $2,243

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Cheapest Ferguson, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ferguson, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,681 $2,811
American Family $2,680 $2,743
Farmers $2,444 $2,444
GEICO $2,294 $2,387
Liberty Mutual $4,374 $4,374
Nationwide $2,418 $2,418
Progressive $2,259 $2,259
State Farm $2,164 $2,270
Travelers $4,016 $4,016
USAA $1,623 $1,746

The Best Cheap Car Insurance Companies in Ferguson, IA

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

Average Annual Car Insurance Rates by Company in Ferguson, Iowa

Insurance Company Average Annual Rates
Allstate $2,746
American Family $2,712
Farmers $2,444
GEICO $2,341
Liberty Mutual $4,374
Nationwide $2,418
Progressive $2,259
State Farm $2,217
Travelers $4,016
USAA $1,684

Category Winners: Cheapest Car Insurance in Ferguson, Iowa

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

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

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

Annual Car Insurance Rates by Coverage Level in Ferguson, Iowa

Insurance Company Low Medium High
Allstate $2,627 $2,751 $2,861
American Family $2,711 $2,863 $2,560
Farmers $2,347 $2,451 $2,533
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,199 $4,367 $4,557
Nationwide $2,531 $2,401 $2,323
Progressive $2,146 $2,268 $2,363
State Farm $2,111 $2,229 $2,311
Travelers $3,800 $4,075 $4,173
USAA $1,594 $1,690 $1,769

What affects car insurance rates in Ferguson, Iowa?

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

Commute Time in Ferguson

The more time you spend in your car the higher the risk of an accident. The average commute length in Ferguson, IA is 23.3 minutes according to City-Data.

Compare Car Insurance Quotes in Ferguson, IA

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

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