Compare Hopkinton, IA Car Insurance Rates (2021)

Car insurance in Hopkinton, IA averages $248 a month. Hopkinton, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Hopkinton car insurance rates, compare quotes from the top car insurance companies in Hopkinton, 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 Hopkinton is USAA
  • The cheapest car insurance company in Hopkinton for teen drivers is USAA
  • Average car insurance rates in Hopkinton, IA are $2,974/year

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

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

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

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

How do age, gender, and marital status affect Hopkinton, IA car insurance rates? Every Hopkinton, 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 Hopkinton, 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 $1,764 $1,694 $1,572 $1,599 $5,092 $5,733 $1,916 $1,969
American Family $1,965 $1,965 $1,758 $1,758 $5,243 $7,355 $1,965 $2,368
Farmers $1,421 $1,448 $1,273 $1,389 $4,272 $4,553 $1,923 $2,059
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 $1,881 $1,934 $1,674 $1,791 $4,304 $5,585 $2,127 $2,317
Progressive $1,783 $1,728 $1,468 $1,519 $4,225 $4,779 $2,150 $2,329
State Farm $1,481 $1,481 $1,295 $1,295 $3,927 $4,990 $1,663 $1,890
Travelers $2,554 $2,608 $2,475 $2,483 $11,305 $18,038 $2,654 $3,148
USAA $1,279 $1,292 $1,174 $1,194 $3,504 $3,716 $1,536 $1,696

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Minimum Car Insurance in Hopkinton, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Hopkinton, Iowa

Insurance Company Poor Fair Good
Allstate $3,184 $2,535 $2,283
American Family $3,885 $2,856 $2,400
Farmers $2,630 $2,181 $2,066
GEICO $2,783 $2,315 $1,848
Liberty Mutual $6,264 $3,859 $3,039
Nationwide $3,287 $2,567 $2,250
Progressive $2,964 $2,379 $2,149
State Farm $3,209 $1,985 $1,565
Travelers $6,365 $5,433 $5,176
USAA $2,529 $1,738 $1,505

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

Annual Hopkinton, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,268 $2,743 $3,122 $2,536
American Family $2,200 $3,220 $4,181 $2,586
Farmers $1,953 $2,423 $2,458 $2,336
GEICO $1,756 $2,451 $3,170 $1,884
Liberty Mutual $3,792 $4,683 $4,784 $4,290
Nationwide $1,948 $2,810 $3,841 $2,208
Progressive $2,013 $3,277 $2,180 $2,521
State Farm $2,091 $2,415 $2,253 $2,253
Travelers $4,128 $5,498 $7,360 $5,647
USAA $1,468 $1,973 $2,568 $1,686

Cheapest Hopkinton, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Hopkinton, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,092 $5,733
American Family $5,243 $7,355
Farmers $4,272 $4,553
GEICO $4,278 $3,972
Liberty Mutual $10,105 $11,375
Nationwide $4,304 $5,585
Progressive $4,225 $4,779
State Farm $3,927 $4,990
Travelers $11,305 $18,038
USAA $3,504 $3,716

Cheapest Hopkinton, IA Car Insurance for Seniors

Take a look at Hopkinton, 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 Hopkinton, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,572 $1,599
American Family $1,758 $1,758
Farmers $1,273 $1,389
GEICO $1,696 $1,552
Liberty Mutual $1,862 $2,262
Nationwide $1,674 $1,791
Progressive $1,468 $1,519
State Farm $1,295 $1,295
Travelers $2,475 $2,483
USAA $1,174 $1,194

Cheapest Hopkinton, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Hopkinton, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,122
American Family $4,181
Farmers $2,458
GEICO $3,170
Liberty Mutual $4,784
Nationwide $3,841
Progressive $2,180
State Farm $2,253
Travelers $7,360
USAA $2,568

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Cheapest Hopkinton, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Hopkinton, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,604 $2,730
American Family $3,012 $3,082
Farmers $2,292 $2,292
GEICO $2,269 $2,362
Liberty Mutual $4,387 $4,387
Nationwide $2,702 $2,702
Progressive $2,498 $2,498
State Farm $2,199 $2,307
Travelers $5,658 $5,658
USAA $1,854 $1,994

The Best Cheap Car Insurance Companies in Hopkinton, IA

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

Average Annual Car Insurance Rates by Company in Hopkinton, Iowa

Insurance Company Average Annual Rates
Allstate $2,667
American Family $3,047
Farmers $2,292
GEICO $2,315
Liberty Mutual $4,387
Nationwide $2,702
Progressive $2,498
State Farm $2,253
Travelers $5,658
USAA $1,924

Category Winners: Cheapest Car Insurance in Hopkinton, Iowa

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

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

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

Annual Car Insurance Rates by Coverage Level in Hopkinton, Iowa

Insurance Company Low Medium High
Allstate $2,573 $2,670 $2,758
American Family $3,066 $3,216 $2,859
Farmers $2,197 $2,300 $2,380
GEICO $2,192 $2,316 $2,437
Liberty Mutual $4,216 $4,380 $4,567
Nationwide $2,824 $2,686 $2,595
Progressive $2,374 $2,504 $2,615
State Farm $2,149 $2,265 $2,345
Travelers $5,329 $5,744 $5,902
USAA $1,831 $1,930 $2,011

What affects car insurance rates in Hopkinton, Iowa?

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

Commute Time in Hopkinton

The more time you spend in your car the higher the risk of an accident. The average commute length in Hopkinton, IA is 23.4 minutes according to City-Data.

Compare Car Insurance Quotes in Hopkinton, IA

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

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