Compare Ionia, IA Car Insurance Rates (2021)

Car insurance in Ionia, IA averages $246 a month. Ionia, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Ionia car insurance rates, compare quotes from the top car insurance companies in Ionia, 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 Ionia is USAA
  • Average car insurance rates in Ionia, IA after a DUI are $3,554/year
  • Average car insurance rates in Ionia, IA are $2,950/year

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

You’ll find Ionia car insurance rates, the cheapest Ionia, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Ionia, Iowa car insurance rates to Waterloo car insurance rates, Iowa City car insurance rates, and Ankeny car insurance rates.

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

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

How do age, gender, and marital status affect Ionia, IA car insurance rates? Every Ionia, 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 Ionia, 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 $1,938 $1,938 $1,734 $1,734 $5,181 $7,262 $1,938 $2,335
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 $2,169 $2,353 $1,903 $2,309 $10,599 $11,918 $2,459 $2,717
Nationwide $1,773 $1,824 $1,578 $1,690 $3,990 $5,189 $1,997 $2,178
Progressive $1,662 $1,607 $1,371 $1,420 $3,953 $4,466 $2,000 $2,157
State Farm $1,431 $1,431 $1,253 $1,253 $3,815 $4,844 $1,608 $1,828
Travelers $2,510 $2,565 $2,418 $2,428 $10,824 $17,213 $2,603 $3,114
USAA $1,234 $1,249 $1,130 $1,155 $3,305 $3,514 $1,482 $1,638

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Minimum Car Insurance in Ionia, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Ionia, Iowa

Insurance Company Poor Fair Good
Allstate $3,447 $2,740 $2,463
American Family $3,834 $2,819 $2,370
Farmers $2,752 $2,286 $2,166
GEICO $2,783 $2,315 $1,848
Liberty Mutual $6,500 $4,009 $3,152
Nationwide $3,076 $2,399 $2,107
Progressive $2,763 $2,220 $2,006
State Farm $3,109 $1,923 $1,517
Travelers $6,151 $5,240 $4,988
USAA $2,419 $1,660 $1,437

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

Annual Ionia, 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 $2,171 $3,180 $4,126 $2,553
Farmers $2,047 $2,538 $2,573 $2,447
GEICO $1,756 $2,451 $3,170 $1,884
Liberty Mutual $3,934 $4,865 $4,961 $4,453
Nationwide $1,820 $2,629 $3,597 $2,064
Progressive $1,877 $3,056 $2,035 $2,350
State Farm $2,025 $2,341 $2,183 $2,183
Travelers $3,994 $5,300 $7,086 $5,458
USAA $1,405 $1,885 $2,451 $1,613

Cheapest Ionia, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Ionia, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,435 $6,101
American Family $5,181 $7,262
Farmers $4,490 $4,788
GEICO $4,278 $3,972
Liberty Mutual $10,599 $11,918
Nationwide $3,990 $5,189
Progressive $3,953 $4,466
State Farm $3,815 $4,844
Travelers $10,824 $17,213
USAA $3,305 $3,514

Cheapest Ionia, IA Car Insurance for Seniors

Take a look at Ionia, 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 Ionia, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,707 $1,739
American Family $1,734 $1,734
Farmers $1,327 $1,449
GEICO $1,696 $1,552
Liberty Mutual $1,903 $2,309
Nationwide $1,578 $1,690
Progressive $1,371 $1,420
State Farm $1,253 $1,253
Travelers $2,418 $2,428
USAA $1,130 $1,155

Cheapest Ionia, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ionia, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,359
American Family $4,126
Farmers $2,573
GEICO $3,170
Liberty Mutual $4,961
Nationwide $3,597
Progressive $2,035
State Farm $2,183
Travelers $7,086
USAA $2,451

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Cheapest Ionia, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ionia, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,815 $2,952
American Family $2,973 $3,043
Farmers $2,401 $2,401
GEICO $2,269 $2,362
Liberty Mutual $4,553 $4,553
Nationwide $2,527 $2,527
Progressive $2,330 $2,330
State Farm $2,130 $2,235
Travelers $5,459 $5,459
USAA $1,771 $1,905

The Best Cheap Car Insurance Companies in Ionia, IA

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

Average Annual Car Insurance Rates by Company in Ionia, Iowa

Insurance Company Average Annual Rates
Allstate $2,883
American Family $3,008
Farmers $2,401
GEICO $2,315
Liberty Mutual $4,553
Nationwide $2,527
Progressive $2,330
State Farm $2,183
Travelers $5,459
USAA $1,838

Category Winners: Cheapest Car Insurance in Ionia, Iowa

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

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

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

Annual Car Insurance Rates by Coverage Level in Ionia, Iowa

Insurance Company Low Medium High
Allstate $2,789 $2,886 $2,974
American Family $3,024 $3,174 $2,824
Farmers $2,304 $2,409 $2,490
GEICO $2,192 $2,316 $2,437
Liberty Mutual $4,386 $4,546 $4,728
Nationwide $2,636 $2,513 $2,433
Progressive $2,203 $2,337 $2,449
State Farm $2,081 $2,195 $2,273
Travelers $5,164 $5,540 $5,674
USAA $1,745 $1,844 $1,926

What affects car insurance rates in Ionia, Iowa?

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

Commute Time in Ionia

The more time you spend in your car the higher the risk of an accident. The average commute length in Ionia, IA is 24.7 minutes according to City-Data.

Compare Car Insurance Quotes in Ionia, IA

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

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