Compare Harper, IA Car Insurance Rates (2021)

Car insurance in Harper, IA averages $246 a month. Harper, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Harper car insurance rates, compare quotes from the top car insurance companies in Harper, 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

  • The cheapest car insurance company in Harper for teen drivers is USAA
  • Average car insurance rates in Harper, IA are $2,948/year
  • The cheapest car insurance company in Harper is USAA

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

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

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

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

How do age, gender, and marital status affect Harper, IA car insurance rates? Every Harper, 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 Harper, 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 $1,944 $1,875 $1,720 $1,754 $5,461 $6,119 $2,130 $2,193
American Family $1,933 $1,933 $1,729 $1,729 $5,150 $7,228 $1,933 $2,329
Farmers $1,524 $1,554 $1,366 $1,491 $4,582 $4,887 $2,062 $2,204
GEICO $1,893 $1,693 $1,696 $1,552 $4,278 $3,972 $1,787 $1,651
Liberty Mutual $2,124 $2,307 $1,862 $2,262 $10,105 $11,375 $2,406 $2,657
Nationwide $1,882 $1,935 $1,674 $1,791 $4,309 $5,592 $2,128 $2,318
Progressive $1,682 $1,623 $1,386 $1,436 $4,076 $4,603 $2,026 $2,194
State Farm $1,431 $1,431 $1,254 $1,254 $3,825 $4,856 $1,608 $1,828
Travelers $2,440 $2,491 $2,359 $2,366 $10,601 $16,851 $2,533 $3,018
USAA $1,224 $1,238 $1,123 $1,146 $3,285 $3,490 $1,468 $1,622

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Minimum Car Insurance in Harper, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Harper, Iowa

Insurance Company Poor Fair Good
Allstate $3,465 $2,759 $2,474
American Family $3,819 $2,808 $2,360
Farmers $2,822 $2,339 $2,216
GEICO $2,783 $2,315 $1,848
Liberty Mutual $6,264 $3,859 $3,039
Nationwide $3,290 $2,569 $2,252
Progressive $2,815 $2,268 $2,052
State Farm $3,113 $1,926 $1,519
Travelers $6,005 $5,119 $4,874
USAA $2,399 $1,648 $1,427

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

Annual Harper, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,481 $2,992 $3,367 $2,759
American Family $2,163 $3,168 $4,110 $2,542
Farmers $2,095 $2,597 $2,637 $2,506
GEICO $1,756 $2,451 $3,170 $1,884
Liberty Mutual $3,792 $4,683 $4,784 $4,290
Nationwide $1,949 $2,812 $3,845 $2,209
Progressive $1,914 $3,128 $2,074 $2,396
State Farm $2,027 $2,345 $2,186 $2,186
Travelers $3,896 $5,178 $6,926 $5,330
USAA $1,395 $1,870 $2,432 $1,602

Cheapest Harper, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Harper, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,461 $6,119
American Family $5,150 $7,228
Farmers $4,582 $4,887
GEICO $4,278 $3,972
Liberty Mutual $10,105 $11,375
Nationwide $4,309 $5,592
Progressive $4,076 $4,603
State Farm $3,825 $4,856
Travelers $10,601 $16,851
USAA $3,285 $3,490

Cheapest Harper, IA Car Insurance for Seniors

Take a look at Harper, 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 Harper, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,720 $1,754
American Family $1,729 $1,729
Farmers $1,366 $1,491
GEICO $1,696 $1,552
Liberty Mutual $1,862 $2,262
Nationwide $1,674 $1,791
Progressive $1,386 $1,436
State Farm $1,254 $1,254
Travelers $2,359 $2,366
USAA $1,123 $1,146

Cheapest Harper, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Harper, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,367
American Family $4,110
Farmers $2,637
GEICO $3,170
Liberty Mutual $4,784
Nationwide $3,845
Progressive $2,074
State Farm $2,186
Travelers $6,926
USAA $2,432

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Cheapest Harper, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Harper, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,831 $2,968
American Family $2,961 $3,031
Farmers $2,459 $2,459
GEICO $2,269 $2,362
Liberty Mutual $4,387 $4,387
Nationwide $2,704 $2,704
Progressive $2,378 $2,378
State Farm $2,133 $2,239
Travelers $5,332 $5,332
USAA $1,758 $1,891

The Best Cheap Car Insurance Companies in Harper, IA

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

Average Annual Car Insurance Rates by Company in Harper, Iowa

Insurance Company Average Annual Rates
Allstate $2,899
American Family $2,996
Farmers $2,459
GEICO $2,315
Liberty Mutual $4,387
Nationwide $2,704
Progressive $2,378
State Farm $2,186
Travelers $5,332
USAA $1,825

Category Winners: Cheapest Car Insurance in Harper, Iowa

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

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

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

Annual Car Insurance Rates by Coverage Level in Harper, Iowa

Insurance Company Low Medium High
Allstate $2,780 $2,904 $3,014
American Family $3,012 $3,162 $2,813
Farmers $2,354 $2,467 $2,556
GEICO $2,192 $2,316 $2,437
Liberty Mutual $4,216 $4,380 $4,567
Nationwide $2,827 $2,688 $2,597
Progressive $2,257 $2,386 $2,491
State Farm $2,083 $2,198 $2,277
Travelers $5,038 $5,412 $5,547
USAA $1,732 $1,830 $1,911

What affects car insurance rates in Harper, Iowa?

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

Commute Time in Harper

The more time you spend in your car the higher the risk of an accident. The average commute length in Harper, IA is 25.9 minutes according to City-Data.

Compare Car Insurance Quotes in Harper, IA

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

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