Compare Hardy, IA Car Insurance Rates (2021)

Car insurance in Hardy, IA averages $246 a month. Hardy, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Hardy car insurance rates, compare quotes from the top car insurance companies in Hardy, 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 Hardy is USAA
  • Average car insurance rates in Hardy, IA are $2,948/year
  • Average car insurance rates in Hardy, IA after a DUI are $3,551/year

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

You’ll find Hardy car insurance rates, the cheapest Hardy, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Hardy, Iowa car insurance rates to Cedar Rapids car insurance rates, Ankeny car insurance rates, and Council Bluffs car insurance rates.

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

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

How do age, gender, and marital status affect Hardy, IA car insurance rates? Every Hardy, 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 Hardy, 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 $1,760 $1,690 $1,567 $1,594 $5,067 $5,706 $1,913 $1,968
American Family $2,002 $2,002 $1,790 $1,790 $5,344 $7,497 $2,002 $2,412
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 $2,175 $2,363 $1,911 $2,323 $10,438 $11,753 $2,464 $2,720
Nationwide $1,640 $1,682 $1,464 $1,560 $3,780 $4,882 $1,858 $2,019
Progressive $1,743 $1,676 $1,436 $1,492 $4,314 $4,869 $2,097 $2,269
State Farm $1,381 $1,381 $1,218 $1,218 $3,822 $4,832 $1,554 $1,778
Travelers $2,526 $2,578 $2,452 $2,459 $11,220 $17,916 $2,625 $3,107
USAA $1,255 $1,270 $1,149 $1,174 $3,380 $3,592 $1,508 $1,666

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Minimum Car Insurance in Hardy, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Hardy, Iowa

Insurance Company Poor Fair Good
Allstate $3,174 $2,526 $2,275
American Family $3,960 $2,910 $2,445
Farmers $2,724 $2,261 $2,142
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,450 $3,976 $3,129
Nationwide $2,864 $2,248 $1,970
Progressive $2,936 $2,374 $2,152
State Farm $3,059 $1,892 $1,493
Travelers $6,311 $5,388 $5,133
USAA $2,466 $1,692 $1,465

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

Annual Hardy, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,261 $2,734 $3,111 $2,528
American Family $2,242 $3,279 $4,262 $2,636
Farmers $2,024 $2,511 $2,547 $2,420
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,903 $4,827 $4,926 $4,418
Nationwide $1,713 $2,454 $3,340 $1,936
Progressive $1,998 $3,280 $2,168 $2,502
State Farm $1,983 $2,313 $2,148 $2,148
Travelers $4,090 $5,450 $7,302 $5,601
USAA $1,432 $1,922 $2,500 $1,643

Cheapest Hardy, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Hardy, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,067 $5,706
American Family $5,344 $7,497
Farmers $4,430 $4,719
GEICO $4,328 $4,022
Liberty Mutual $10,438 $11,753
Nationwide $3,780 $4,882
Progressive $4,314 $4,869
State Farm $3,822 $4,832
Travelers $11,220 $17,916
USAA $3,380 $3,592

Cheapest Hardy, IA Car Insurance for Seniors

Take a look at Hardy, 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 Hardy, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,567 $1,594
American Family $1,790 $1,790
Farmers $1,318 $1,438
GEICO $1,710 $1,564
Liberty Mutual $1,911 $2,323
Nationwide $1,464 $1,560
Progressive $1,436 $1,492
State Farm $1,218 $1,218
Travelers $2,452 $2,459
USAA $1,149 $1,174

Cheapest Hardy, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Hardy, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,111
American Family $4,262
Farmers $2,547
GEICO $3,206
Liberty Mutual $4,926
Nationwide $3,340
Progressive $2,168
State Farm $2,148
Travelers $7,302
USAA $2,500

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Cheapest Hardy, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Hardy, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,596 $2,721
American Family $3,069 $3,141
Farmers $2,376 $2,376
GEICO $2,294 $2,387
Liberty Mutual $4,518 $4,518
Nationwide $2,361 $2,361
Progressive $2,487 $2,487
State Farm $2,097 $2,199
Travelers $5,611 $5,611
USAA $1,806 $1,943

The Best Cheap Car Insurance Companies in Hardy, IA

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

Average Annual Car Insurance Rates by Company in Hardy, Iowa

Insurance Company Average Annual Rates
Allstate $2,658
American Family $3,105
Farmers $2,376
GEICO $2,341
Liberty Mutual $4,518
Nationwide $2,361
Progressive $2,487
State Farm $2,148
Travelers $5,611
USAA $1,874

Category Winners: Cheapest Car Insurance in Hardy, Iowa

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

Best Annual Car Insurance Rates by Company in Hardy, Iowa

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

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Cheapest Hardy, IA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Hardy, Iowa

Insurance Company Low Medium High
Allstate $2,565 $2,661 $2,748
American Family $3,125 $3,277 $2,913
Farmers $2,280 $2,383 $2,464
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,336 $4,509 $4,710
Nationwide $2,455 $2,351 $2,276
Progressive $2,346 $2,495 $2,620
State Farm $2,043 $2,160 $2,241
Travelers $5,271 $5,696 $5,865
USAA $1,780 $1,880 $1,963

Compare Car Insurance Quotes in Hardy, IA

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

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