Compare Independence, IA Car Insurance Rates (2021)

Car insurance in Independence, IA averages $238 a month. Independence, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Independence car insurance rates, compare quotes from the top car insurance companies in Independence, 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 Independence is USAA
  • The cheapest car insurance company in Independence for teen drivers is USAA
  • Average car insurance rates in Independence, IA after a DUI are $3,448/year

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

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

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

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

How do age, gender, and marital status affect Independence, IA car insurance rates? Every Independence, 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 Independence, 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 $1,846 $1,770 $1,644 $1,672 $5,368 $6,054 $2,005 $2,063
American Family $1,835 $1,835 $1,643 $1,643 $4,913 $6,876 $1,835 $2,208
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 $1,979 $2,144 $1,748 $2,124 $9,884 $11,119 $2,243 $2,467
Nationwide $1,722 $1,764 $1,537 $1,636 $4,030 $5,193 $1,957 $2,124
Progressive $1,490 $1,431 $1,227 $1,275 $3,690 $4,162 $1,790 $1,937
State Farm $1,367 $1,367 $1,198 $1,198 $3,655 $4,638 $1,536 $1,748
Travelers $2,470 $2,522 $2,388 $2,397 $10,784 $17,154 $2,566 $3,053
USAA $1,234 $1,249 $1,130 $1,155 $3,311 $3,520 $1,482 $1,637

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Minimum Car Insurance in Independence, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Independence, Iowa

Insurance Company Poor Fair Good
Allstate $3,348 $2,662 $2,398
American Family $3,630 $2,669 $2,246
Farmers $2,752 $2,286 $2,166
GEICO $2,783 $2,315 $1,848
Liberty Mutual $5,992 $3,721 $2,928
Nationwide $3,026 $2,378 $2,082
Progressive $2,509 $2,029 $1,838
State Farm $2,974 $1,840 $1,452
Travelers $6,098 $5,200 $4,953
USAA $2,421 $1,661 $1,438

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

Annual Independence, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,378 $2,880 $3,288 $2,664
American Family $2,055 $3,018 $3,904 $2,416
Farmers $2,047 $2,538 $2,573 $2,447
GEICO $1,756 $2,451 $3,170 $1,884
Liberty Mutual $3,637 $4,509 $4,586 $4,123
Nationwide $1,813 $2,594 $3,526 $2,048
Progressive $1,709 $2,801 $1,854 $2,138
State Farm $1,936 $2,240 $2,088 $2,088
Travelers $3,957 $5,262 $7,038 $5,411
USAA $1,407 $1,885 $2,453 $1,615

Cheapest Independence, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Independence, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,368 $6,054
American Family $4,913 $6,876
Farmers $4,490 $4,788
GEICO $4,278 $3,972
Liberty Mutual $9,884 $11,119
Nationwide $4,030 $5,193
Progressive $3,690 $4,162
State Farm $3,655 $4,638
Travelers $10,784 $17,154
USAA $3,311 $3,520

Cheapest Independence, IA Car Insurance for Seniors

Take a look at Independence, 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 Independence, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,644 $1,672
American Family $1,643 $1,643
Farmers $1,327 $1,449
GEICO $1,696 $1,552
Liberty Mutual $1,748 $2,124
Nationwide $1,537 $1,636
Progressive $1,227 $1,275
State Farm $1,198 $1,198
Travelers $2,388 $2,397
USAA $1,130 $1,155

Cheapest Independence, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Independence, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,288
American Family $3,904
Farmers $2,573
GEICO $3,170
Liberty Mutual $4,586
Nationwide $3,526
Progressive $1,854
State Farm $2,088
Travelers $7,038
USAA $2,453

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Cheapest Independence, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Independence, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,736 $2,869
American Family $2,815 $2,882
Farmers $2,401 $2,401
GEICO $2,269 $2,362
Liberty Mutual $4,214 $4,214
Nationwide $2,495 $2,495
Progressive $2,125 $2,125
State Farm $2,038 $2,138
Travelers $5,417 $5,417
USAA $1,773 $1,907

The Best Cheap Car Insurance Companies in Independence, IA

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

Average Annual Car Insurance Rates by Company in Independence, Iowa

Insurance Company Average Annual Rates
Allstate $2,803
American Family $2,848
Farmers $2,401
GEICO $2,315
Liberty Mutual $4,214
Nationwide $2,495
Progressive $2,125
State Farm $2,088
Travelers $5,417
USAA $1,840

Category Winners: Cheapest Car Insurance in Independence, Iowa

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

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

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

Annual Car Insurance Rates by Coverage Level in Independence, Iowa

Insurance Company Low Medium High
Allstate $2,709 $2,806 $2,894
American Family $2,859 $3,007 $2,680
Farmers $2,304 $2,409 $2,490
GEICO $2,192 $2,316 $2,437
Liberty Mutual $4,040 $4,207 $4,394
Nationwide $2,594 $2,487 $2,405
Progressive $2,005 $2,132 $2,239
State Farm $1,991 $2,099 $2,175
Travelers $5,118 $5,497 $5,635
USAA $1,749 $1,845 $1,925

What affects car insurance rates in Independence, Iowa?

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

Commute Time in Independence

The more time you spend in your car the higher the risk of an accident. The average commute length in Independence, IA is 22.6 minutes according to City-Data.

Compare Car Insurance Quotes in Independence, IA

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

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