Compare Jefferson, IA Car Insurance Rates (2021)

Car insurance in Jefferson, IA averages $246 a month. Jefferson, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Jefferson car insurance rates, compare quotes from the top car insurance companies in Jefferson, 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 Jefferson is USAA
  • The cheapest car insurance company in Jefferson for teen drivers is USAA
  • Average car insurance rates in Jefferson, IA after a DUI are $3,553/year

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

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

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

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

How do age, gender, and marital status affect Jefferson, IA car insurance rates? Every Jefferson, 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 Jefferson, 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 $1,924 $1,844 $1,711 $1,739 $5,620 $6,347 $2,091 $2,157
American Family $1,977 $1,977 $1,770 $1,770 $5,305 $7,426 $1,977 $2,380
Farmers $1,546 $1,575 $1,383 $1,513 $4,711 $5,019 $2,094 $2,240
GEICO $1,821 $1,640 $1,620 $1,483 $4,142 $3,866 $1,733 $1,612
Liberty Mutual $2,145 $2,333 $1,884 $2,291 $10,137 $11,420 $2,430 $2,683
Nationwide $1,692 $1,737 $1,508 $1,610 $3,895 $5,038 $1,916 $2,083
Progressive $1,623 $1,556 $1,338 $1,394 $4,057 $4,575 $1,947 $2,102
State Farm $1,445 $1,445 $1,269 $1,269 $3,906 $4,954 $1,624 $1,850
Travelers $2,487 $2,539 $2,414 $2,422 $10,997 $17,561 $2,585 $3,058
USAA $1,231 $1,249 $1,127 $1,155 $3,264 $3,477 $1,480 $1,638

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Minimum Car Insurance in Jefferson, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Jefferson, Iowa

Insurance Company Poor Fair Good
Allstate $3,503 $2,779 $2,505
American Family $3,918 $2,879 $2,420
Farmers $2,880 $2,389 $2,262
GEICO $2,691 $2,240 $1,788
Liberty Mutual $6,305 $3,882 $3,058
Nationwide $2,957 $2,317 $2,030
Progressive $2,739 $2,220 $2,013
State Farm $3,162 $1,956 $1,543
Travelers $6,198 $5,288 $5,038
USAA $2,406 $1,649 $1,427

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

Annual Jefferson, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,481 $3,009 $3,443 $2,783
American Family $2,219 $3,246 $4,217 $2,608
Farmers $2,137 $2,655 $2,697 $2,551
GEICO $1,702 $2,373 $3,058 $1,826
Liberty Mutual $3,815 $4,714 $4,816 $4,316
Nationwide $1,763 $2,531 $3,450 $1,995
Progressive $1,866 $3,067 $2,027 $2,335
State Farm $2,056 $2,385 $2,220 $2,220
Travelers $4,019 $5,349 $7,163 $5,500
USAA $1,399 $1,873 $2,435 $1,604

Cheapest Jefferson, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Jefferson, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,620 $6,347
American Family $5,305 $7,426
Farmers $4,711 $5,019
GEICO $4,142 $3,866
Liberty Mutual $10,137 $11,420
Nationwide $3,895 $5,038
Progressive $4,057 $4,575
State Farm $3,906 $4,954
Travelers $10,997 $17,561
USAA $3,264 $3,477

Cheapest Jefferson, IA Car Insurance for Seniors

Take a look at Jefferson, 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 Jefferson, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,711 $1,739
American Family $1,770 $1,770
Farmers $1,383 $1,513
GEICO $1,620 $1,483
Liberty Mutual $1,884 $2,291
Nationwide $1,508 $1,610
Progressive $1,338 $1,394
State Farm $1,269 $1,269
Travelers $2,414 $2,422
USAA $1,127 $1,155

Cheapest Jefferson, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Jefferson, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,443
American Family $4,217
Farmers $2,697
GEICO $3,058
Liberty Mutual $4,816
Nationwide $3,450
Progressive $2,027
State Farm $2,220
Travelers $7,163
USAA $2,435

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Cheapest Jefferson, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Jefferson, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,859 $2,999
American Family $3,037 $3,108
Farmers $2,510 $2,510
GEICO $2,195 $2,285
Liberty Mutual $4,415 $4,415
Nationwide $2,435 $2,435
Progressive $2,324 $2,324
State Farm $2,167 $2,274
Travelers $5,508 $5,508
USAA $1,761 $1,894

The Best Cheap Car Insurance Companies in Jefferson, IA

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

Average Annual Car Insurance Rates by Company in Jefferson, Iowa

Insurance Company Average Annual Rates
Allstate $2,929
American Family $3,073
Farmers $2,510
GEICO $2,240
Liberty Mutual $4,415
Nationwide $2,435
Progressive $2,324
State Farm $2,220
Travelers $5,508
USAA $1,828

Category Winners: Cheapest Car Insurance in Jefferson, Iowa

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

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

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

Annual Car Insurance Rates by Coverage Level in Jefferson, Iowa

Insurance Company Low Medium High
Allstate $2,836 $2,932 $3,019
American Family $3,086 $3,243 $2,888
Farmers $2,401 $2,518 $2,611
GEICO $2,141 $2,240 $2,338
Liberty Mutual $4,233 $4,405 $4,608
Nationwide $2,544 $2,422 $2,339
Progressive $2,172 $2,331 $2,468
State Farm $2,113 $2,233 $2,315
Travelers $5,164 $5,593 $5,767
USAA $1,735 $1,833 $1,915

What affects car insurance rates in Jefferson, Iowa?

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

Commute Time in Jefferson

The more time you spend in your car the higher the risk of an accident. The average commute length in Jefferson, IA is 17.9 minutes according to City-Data.

Compare Car Insurance Quotes in Jefferson, IA

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

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