Compare Harpers Ferry, IA Car Insurance Rates (2021)

Car insurance in Harpers Ferry, IA averages $244 a month. Harpers Ferry, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Harpers Ferry car insurance rates, compare quotes from the top car insurance companies in Harpers Ferry, 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

  • Average car insurance rates in Harpers Ferry, IA after a DUI are $3,508/year
  • Average car insurance rates in Harpers Ferry, IA are $2,922/year
  • The cheapest car insurance company in Harpers Ferry for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Harpers Ferry, IA car insurance rates? Every Harpers Ferry, 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 Harpers Ferry, 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 $1,930 $1,860 $1,707 $1,739 $5,435 $6,101 $2,114 $2,182
American Family $2,077 $2,077 $1,855 $1,855 $5,499 $7,743 $2,077 $2,505
Farmers $1,483 $1,511 $1,327 $1,449 $4,490 $4,788 $2,009 $2,153
GEICO $1,893 $1,693 $1,696 $1,552 $4,278 $3,972 $1,787 $1,651
Liberty Mutual $2,159 $2,345 $1,894 $2,301 $10,316 $11,611 $2,447 $2,702
Nationwide $1,872 $1,931 $1,662 $1,786 $4,168 $5,439 $2,103 $2,299
Progressive $1,859 $1,803 $1,530 $1,584 $4,354 $4,927 $2,241 $2,423
State Farm $1,591 $1,591 $1,382 $1,382 $4,087 $5,206 $1,784 $2,024
Travelers $2,057 $2,102 $1,980 $1,990 $8,809 $14,021 $2,133 $2,546
USAA $1,243 $1,259 $1,139 $1,163 $3,352 $3,562 $1,494 $1,650

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Minimum Car Insurance in Harpers Ferry, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Harpers Ferry, Iowa

Insurance Company Poor Fair Good
Allstate $3,447 $2,740 $2,463
American Family $4,096 $3,010 $2,526
Farmers $2,752 $2,286 $2,166
GEICO $2,783 $2,315 $1,848
Liberty Mutual $6,383 $3,934 $3,098
Nationwide $3,243 $2,518 $2,212
Progressive $3,078 $2,466 $2,226
State Farm $3,391 $2,097 $1,654
Travelers $5,018 $4,275 $4,071
USAA $2,445 $1,677 $1,452

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

Annual Harpers Ferry, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,462 $2,968 $3,359 $2,744
American Family $2,319 $3,387 $4,410 $2,728
Farmers $2,047 $2,538 $2,573 $2,447
GEICO $1,756 $2,451 $3,170 $1,884
Liberty Mutual $3,865 $4,774 $4,876 $4,373
Nationwide $1,906 $2,764 $3,794 $2,166
Progressive $2,088 $3,393 $2,262 $2,617
State Farm $2,219 $2,543 $2,381 $2,381
Travelers $3,267 $4,326 $5,773 $4,452
USAA $1,420 $1,903 $2,478 $1,630

Cheapest Harpers Ferry, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Harpers Ferry, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,435 $6,101
American Family $5,499 $7,743
Farmers $4,490 $4,788
GEICO $4,278 $3,972
Liberty Mutual $10,316 $11,611
Nationwide $4,168 $5,439
Progressive $4,354 $4,927
State Farm $4,087 $5,206
Travelers $8,809 $14,021
USAA $3,352 $3,562

Cheapest Harpers Ferry, IA Car Insurance for Seniors

Take a look at Harpers Ferry, 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 Harpers Ferry, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,707 $1,739
American Family $1,855 $1,855
Farmers $1,327 $1,449
GEICO $1,696 $1,552
Liberty Mutual $1,894 $2,301
Nationwide $1,662 $1,786
Progressive $1,530 $1,584
State Farm $1,382 $1,382
Travelers $1,980 $1,990
USAA $1,139 $1,163

Cheapest Harpers Ferry, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Harpers Ferry, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,359
American Family $4,410
Farmers $2,573
GEICO $3,170
Liberty Mutual $4,876
Nationwide $3,794
Progressive $2,262
State Farm $2,381
Travelers $5,773
USAA $2,478

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Cheapest Harpers Ferry, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Harpers Ferry, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,815 $2,952
American Family $3,173 $3,249
Farmers $2,401 $2,401
GEICO $2,269 $2,362
Liberty Mutual $4,472 $4,472
Nationwide $2,658 $2,658
Progressive $2,590 $2,590
State Farm $2,324 $2,437
Travelers $4,455 $4,455
USAA $1,790 $1,925

The Best Cheap Car Insurance Companies in Harpers Ferry, IA

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

Average Annual Car Insurance Rates by Company in Harpers Ferry, Iowa

Insurance Company Average Annual Rates
Allstate $2,883
American Family $3,211
Farmers $2,401
GEICO $2,315
Liberty Mutual $4,472
Nationwide $2,658
Progressive $2,590
State Farm $2,381
Travelers $4,455
USAA $1,858

Category Winners: Cheapest Car Insurance in Harpers Ferry, Iowa

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

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

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

Annual Car Insurance Rates by Coverage Level in Harpers Ferry, Iowa

Insurance Company Low Medium High
Allstate $2,789 $2,886 $2,974
American Family $3,234 $3,389 $3,010
Farmers $2,304 $2,409 $2,490
GEICO $2,192 $2,316 $2,437
Liberty Mutual $4,299 $4,464 $4,652
Nationwide $2,792 $2,635 $2,545
Progressive $2,462 $2,597 $2,711
State Farm $2,285 $2,392 $2,466
Travelers $4,208 $4,521 $4,635
USAA $1,768 $1,863 $1,942

What affects car insurance rates in Harpers Ferry, Iowa?

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

Commute Time in Harpers Ferry

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

Compare Car Insurance Quotes in Harpers Ferry, IA

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

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