Compare Garner, IA Car Insurance Rates (2021)

Car insurance in Garner, IA averages $240 a month. Garner, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Garner car insurance rates, compare quotes from the top car insurance companies in Garner, 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 Garner is USAA
  • Average car insurance rates in Garner, IA are $2,877/year
  • The cheapest car insurance company in Garner for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Garner, IA car insurance rates? Every Garner, 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 Garner, 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 $1,884 $1,884 $1,686 $1,686 $5,028 $7,049 $1,884 $2,268
Farmers $1,472 $1,500 $1,318 $1,438 $4,430 $4,719 $1,992 $2,136
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,166 $2,350 $1,905 $2,314 $10,614 $11,942 $2,455 $2,710
Nationwide $1,670 $1,713 $1,490 $1,588 $3,859 $4,983 $1,893 $2,056
Progressive $1,376 $1,314 $1,136 $1,182 $3,557 $4,005 $1,653 $1,791
State Farm $1,299 $1,299 $1,144 $1,144 $3,556 $4,501 $1,461 $1,668
Travelers $2,458 $2,507 $2,399 $2,401 $10,998 $17,509 $2,560 $3,016
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 Garner, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Garner, Iowa

Insurance Company Poor Fair Good
Allstate $3,313 $2,637 $2,369
American Family $3,724 $2,737 $2,301
Farmers $2,724 $2,261 $2,142
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,502 $4,014 $3,156
Nationwide $2,920 $2,291 $2,008
Progressive $2,350 $1,914 $1,740
State Farm $2,860 $1,770 $1,397
Travelers $6,163 $5,265 $5,016
USAA $2,504 $1,720 $1,490

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

Annual Garner, 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 $2,108 $3,092 $4,006 $2,478
Farmers $2,024 $2,511 $2,547 $2,420
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,935 $4,872 $4,965 $4,457
Nationwide $1,746 $2,502 $3,404 $1,973
Progressive $1,606 $2,652 $1,743 $2,006
State Farm $1,857 $2,161 $2,009 $2,009
Travelers $3,986 $5,326 $7,141 $5,472
USAA $1,454 $1,954 $2,541 $1,670

Cheapest Garner, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Garner, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,209 $5,839
American Family $5,028 $7,049
Farmers $4,430 $4,719
GEICO $4,328 $4,022
Liberty Mutual $10,614 $11,942
Nationwide $3,859 $4,983
Progressive $3,557 $4,005
State Farm $3,556 $4,501
Travelers $10,998 $17,509
USAA $3,450 $3,663

Cheapest Garner, IA Car Insurance for Seniors

Take a look at Garner, 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 Garner, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,648 $1,680
American Family $1,686 $1,686
Farmers $1,318 $1,438
GEICO $1,710 $1,564
Liberty Mutual $1,905 $2,314
Nationwide $1,490 $1,588
Progressive $1,136 $1,182
State Farm $1,144 $1,144
Travelers $2,399 $2,401
USAA $1,166 $1,188

Cheapest Garner, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Garner, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,223
American Family $4,006
Farmers $2,547
GEICO $3,206
Liberty Mutual $4,965
Nationwide $3,404
Progressive $1,743
State Farm $2,009
Travelers $7,141
USAA $2,541

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Cheapest Garner, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Garner, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,707 $2,838
American Family $2,887 $2,955
Farmers $2,376 $2,376
GEICO $2,294 $2,387
Liberty Mutual $4,557 $4,557
Nationwide $2,406 $2,406
Progressive $2,002 $2,002
State Farm $1,961 $2,057
Travelers $5,481 $5,481
USAA $1,835 $1,974

The Best Cheap Car Insurance Companies in Garner, IA

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

Average Annual Car Insurance Rates by Company in Garner, Iowa

Insurance Company Average Annual Rates
Allstate $2,773
American Family $2,921
Farmers $2,376
GEICO $2,341
Liberty Mutual $4,557
Nationwide $2,406
Progressive $2,002
State Farm $2,009
Travelers $5,481
USAA $1,905

Category Winners: Cheapest Car Insurance in Garner, Iowa

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

Best Annual Car Insurance Rates by Company in Garner, Iowa

Category Insurance Company
Teenagers USAA
Seniors State Farm
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

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Cheapest Garner, IA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Garner, Iowa

Insurance Company Low Medium High
Allstate $2,679 $2,776 $2,864
American Family $2,933 $3,084 $2,747
Farmers $2,280 $2,383 $2,464
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,379 $4,548 $4,744
Nationwide $2,505 $2,396 $2,318
Progressive $1,882 $2,010 $2,113
State Farm $1,911 $2,020 $2,097
Travelers $5,154 $5,564 $5,725
USAA $1,809 $1,911 $1,995

What affects car insurance rates in Garner, Iowa?

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

Commute Time in Garner

The more time you spend in your car the higher the risk of an accident. The average commute length in Garner, IA is 15.4 minutes according to City-Data.

Compare Car Insurance Quotes in Garner, IA

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

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