Compare Floyd, IA Car Insurance Rates (2021)

Car insurance in Floyd, IA averages $241 a month. Floyd, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Floyd car insurance rates, compare quotes from the top car insurance companies in Floyd, 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 Floyd is USAA
  • The cheapest car insurance company in Floyd for teen drivers is USAA
  • Average car insurance rates in Floyd, IA are $2,893/year

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

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

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

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

How do age, gender, and marital status affect Floyd, IA car insurance rates? Every Floyd, 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 Floyd, 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 $1,863 $1,798 $1,648 $1,680 $5,209 $5,839 $2,041 $2,105
American Family $1,939 $1,939 $1,734 $1,734 $5,158 $7,244 $1,939 $2,337
Farmers $1,483 $1,511 $1,327 $1,449 $4,490 $4,788 $2,009 $2,153
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,045 $2,218 $1,800 $2,185 $10,036 $11,288 $2,318 $2,556
Nationwide $1,895 $1,952 $1,684 $1,806 $4,262 $5,552 $2,134 $2,330
Progressive $1,544 $1,493 $1,274 $1,320 $3,680 $4,155 $1,857 $2,002
State Farm $1,425 $1,425 $1,249 $1,249 $3,813 $4,840 $1,601 $1,821
Travelers $2,378 $2,432 $2,283 $2,297 $10,206 $16,231 $2,467 $2,956
USAA $1,271 $1,286 $1,166 $1,188 $3,450 $3,663 $1,527 $1,687

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Minimum Car Insurance in Floyd, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Floyd, Iowa

Insurance Company Poor Fair Good
Allstate $3,313 $2,637 $2,369
American Family $3,829 $2,814 $2,365
Farmers $2,752 $2,286 $2,166
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,137 $3,795 $2,985
Nationwide $3,294 $2,563 $2,249
Progressive $2,568 $2,065 $1,865
State Farm $3,101 $1,919 $1,513
Travelers $5,808 $4,949 $4,712
USAA $2,504 $1,720 $1,490

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

Annual Floyd, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,373 $2,856 $3,223 $2,640
American Family $2,168 $3,176 $4,120 $2,549
Farmers $2,047 $2,538 $2,573 $2,447
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,719 $4,603 $4,690 $4,212
Nationwide $1,941 $2,811 $3,852 $2,204
Progressive $1,746 $2,841 $1,892 $2,184
State Farm $2,019 $2,337 $2,178 $2,178
Travelers $3,781 $5,010 $6,684 $5,151
USAA $1,454 $1,954 $2,541 $1,670

Cheapest Floyd, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Floyd, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,209 $5,839
American Family $5,158 $7,244
Farmers $4,490 $4,788
GEICO $4,328 $4,022
Liberty Mutual $10,036 $11,288
Nationwide $4,262 $5,552
Progressive $3,680 $4,155
State Farm $3,813 $4,840
Travelers $10,206 $16,231
USAA $3,450 $3,663

Cheapest Floyd, IA Car Insurance for Seniors

Take a look at Floyd, 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 Floyd, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,648 $1,680
American Family $1,734 $1,734
Farmers $1,327 $1,449
GEICO $1,710 $1,564
Liberty Mutual $1,800 $2,185
Nationwide $1,684 $1,806
Progressive $1,274 $1,320
State Farm $1,249 $1,249
Travelers $2,283 $2,297
USAA $1,166 $1,188

Cheapest Floyd, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Floyd, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,223
American Family $4,120
Farmers $2,573
GEICO $3,206
Liberty Mutual $4,690
Nationwide $3,852
Progressive $1,892
State Farm $2,178
Travelers $6,684
USAA $2,541

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Cheapest Floyd, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Floyd, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,707 $2,838
American Family $2,968 $3,038
Farmers $2,401 $2,401
GEICO $2,294 $2,387
Liberty Mutual $4,306 $4,306
Nationwide $2,702 $2,702
Progressive $2,166 $2,166
State Farm $2,125 $2,230
Travelers $5,156 $5,156
USAA $1,835 $1,974

The Best Cheap Car Insurance Companies in Floyd, IA

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

Average Annual Car Insurance Rates by Company in Floyd, Iowa

Insurance Company Average Annual Rates
Allstate $2,773
American Family $3,003
Farmers $2,401
GEICO $2,341
Liberty Mutual $4,306
Nationwide $2,702
Progressive $2,166
State Farm $2,178
Travelers $5,156
USAA $1,905

Category Winners: Cheapest Car Insurance in Floyd, Iowa

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

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

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

Annual Car Insurance Rates by Coverage Level in Floyd, Iowa

Insurance Company Low Medium High
Allstate $2,679 $2,776 $2,864
American Family $3,020 $3,170 $2,819
Farmers $2,304 $2,409 $2,490
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,139 $4,299 $4,480
Nationwide $2,834 $2,682 $2,590
Progressive $2,049 $2,174 $2,274
State Farm $2,075 $2,190 $2,269
Travelers $4,893 $5,231 $5,345
USAA $1,809 $1,911 $1,995

What affects car insurance rates in Floyd, Iowa?

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

Commute Time in Floyd

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

Compare Car Insurance Quotes in Floyd, IA

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

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