Compare Hartwick, IA Car Insurance Rates (2021)

Car insurance in Hartwick, IA averages $243 a month. Hartwick, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Hartwick car insurance rates, compare quotes from the top car insurance companies in Hartwick, 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 Hartwick, IA after a DUI are $3,519/year
  • The cheapest car insurance company in Hartwick for teen drivers is USAA
  • The cheapest car insurance company in Hartwick is USAA

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

You’ll find Hartwick car insurance rates, the cheapest Hartwick, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Hartwick, Iowa car insurance rates to Cedar Rapids car insurance rates, Davenport car insurance rates, and West Des Moines car insurance rates.

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

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

How do age, gender, and marital status affect Hartwick, IA car insurance rates? Every Hartwick, 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 Hartwick, 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 $1,982 $1,913 $1,751 $1,784 $5,557 $6,230 $2,175 $2,245
American Family $1,899 $1,899 $1,698 $1,698 $5,047 $7,088 $1,899 $2,287
Farmers $1,448 $1,476 $1,298 $1,418 $4,354 $4,641 $1,958 $2,091
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,005 $2,172 $1,770 $2,150 $10,026 $11,277 $2,271 $2,501
Nationwide $1,649 $1,693 $1,470 $1,569 $3,796 $4,905 $1,867 $2,028
Progressive $1,600 $1,536 $1,319 $1,371 $4,012 $4,524 $1,925 $2,085
State Farm $1,431 $1,431 $1,254 $1,254 $3,825 $4,856 $1,608 $1,828
Travelers $2,504 $2,552 $2,452 $2,454 $11,429 $18,187 $2,616 $3,064
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 Hartwick, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Hartwick, Iowa

Insurance Company Poor Fair Good
Allstate $3,532 $2,809 $2,523
American Family $3,747 $2,755 $2,315
Farmers $2,682 $2,221 $2,104
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,078 $3,771 $2,965
Nationwide $2,881 $2,258 $1,978
Progressive $2,707 $2,193 $1,989
State Farm $3,113 $1,926 $1,519
Travelers $6,351 $5,436 $5,185
USAA $2,399 $1,648 $1,427

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

Annual Hartwick, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,527 $3,043 $3,437 $2,812
American Family $2,121 $3,111 $4,031 $2,494
Farmers $1,989 $2,468 $2,507 $2,378
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,687 $4,571 $4,649 $4,179
Nationwide $1,721 $2,466 $3,356 $1,945
Progressive $1,844 $3,033 $2,001 $2,308
State Farm $2,027 $2,345 $2,186 $2,186
Travelers $4,106 $5,508 $7,381 $5,634
USAA $1,395 $1,870 $2,432 $1,602

Cheapest Hartwick, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Hartwick, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,557 $6,230
American Family $5,047 $7,088
Farmers $4,354 $4,641
GEICO $4,328 $4,022
Liberty Mutual $10,026 $11,277
Nationwide $3,796 $4,905
Progressive $4,012 $4,524
State Farm $3,825 $4,856
Travelers $11,429 $18,187
USAA $3,285 $3,490

Cheapest Hartwick, IA Car Insurance for Seniors

Take a look at Hartwick, 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 Hartwick, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,751 $1,784
American Family $1,698 $1,698
Farmers $1,298 $1,418
GEICO $1,710 $1,564
Liberty Mutual $1,770 $2,150
Nationwide $1,470 $1,569
Progressive $1,319 $1,371
State Farm $1,254 $1,254
Travelers $2,452 $2,454
USAA $1,123 $1,146

Cheapest Hartwick, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Hartwick, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,437
American Family $4,031
Farmers $2,507
GEICO $3,206
Liberty Mutual $4,649
Nationwide $3,356
Progressive $2,001
State Farm $2,186
Travelers $7,381
USAA $2,432

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Cheapest Hartwick, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Hartwick, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,884 $3,025
American Family $2,905 $2,973
Farmers $2,336 $2,336
GEICO $2,294 $2,387
Liberty Mutual $4,271 $4,271
Nationwide $2,372 $2,372
Progressive $2,296 $2,296
State Farm $2,133 $2,239
Travelers $5,657 $5,657
USAA $1,758 $1,891

The Best Cheap Car Insurance Companies in Hartwick, IA

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

Average Annual Car Insurance Rates by Company in Hartwick, Iowa

Insurance Company Average Annual Rates
Allstate $2,955
American Family $2,939
Farmers $2,336
GEICO $2,341
Liberty Mutual $4,271
Nationwide $2,372
Progressive $2,296
State Farm $2,186
Travelers $5,657
USAA $1,825

Category Winners: Cheapest Car Insurance in Hartwick, Iowa

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

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

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

Annual Car Insurance Rates by Coverage Level in Hartwick, Iowa

Insurance Company Low Medium High
Allstate $2,861 $2,958 $3,045
American Family $2,954 $3,102 $2,761
Farmers $2,233 $2,343 $2,431
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,096 $4,264 $4,454
Nationwide $2,476 $2,359 $2,281
Progressive $2,173 $2,305 $2,411
State Farm $2,083 $2,198 $2,277
Travelers $5,338 $5,741 $5,892
USAA $1,732 $1,830 $1,911

What affects car insurance rates in Hartwick, Iowa?

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

Commute Time in Hartwick

The more time you spend in your car the higher the risk of an accident. The average commute length in Hartwick, IA is 26.6 minutes according to City-Data.

Compare Car Insurance Quotes in Hartwick, IA

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

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