Compare Melrose, IA Car Insurance Rates (2021)

Car insurance in Melrose, IA averages $247 a month. Melrose, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Melrose car insurance rates, compare quotes from the top car insurance companies in Melrose, IA.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest car insurance company in Melrose for teen drivers is USAA
  • Average car insurance rates in Melrose, IA after a DUI are $3,574/year
  • The cheapest car insurance company in Melrose is USAA

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

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

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

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

How do age, gender, and marital status affect Melrose, IA car insurance rates? Every Melrose, 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 Melrose, 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 $1,862 $1,796 $1,647 $1,678 $5,208 $5,838 $2,040 $2,103
American Family $1,899 $1,899 $1,698 $1,698 $5,047 $7,088 $1,899 $2,287
Farmers $1,506 $1,534 $1,351 $1,474 $4,505 $4,797 $2,033 $2,173
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,147 $2,334 $1,883 $2,289 $10,152 $11,432 $2,432 $2,686
Nationwide $1,857 $1,913 $1,650 $1,770 $4,173 $5,435 $2,090 $2,282
Progressive $1,791 $1,741 $1,474 $1,525 $4,125 $4,671 $2,157 $2,329
State Farm $1,508 $1,508 $1,309 $1,309 $3,842 $4,904 $1,690 $1,910
Travelers $2,552 $2,608 $2,459 $2,469 $10,982 $17,445 $2,647 $3,168
USAA $1,253 $1,270 $1,147 $1,174 $3,349 $3,563 $1,506 $1,665

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Melrose, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Melrose, Iowa

Insurance Company Poor Fair Good
Allstate $3,311 $2,636 $2,368
American Family $3,747 $2,755 $2,315
Farmers $2,783 $2,302 $2,180
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,311 $3,886 $3,061
Nationwide $3,226 $2,510 $2,203
Progressive $2,948 $2,357 $2,124
State Farm $3,201 $1,980 $1,562
Travelers $6,244 $5,318 $5,062
USAA $2,456 $1,684 $1,458

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

Annual Melrose, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,371 $2,855 $3,222 $2,638
American Family $2,121 $3,111 $4,031 $2,494
Farmers $2,061 $2,560 $2,601 $2,465
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,820 $4,717 $4,820 $4,320
Nationwide $1,902 $2,753 $3,772 $2,159
Progressive $1,999 $3,236 $2,166 $2,505
State Farm $2,097 $2,399 $2,248 $2,248
Travelers $4,053 $5,378 $7,192 $5,542
USAA $1,427 $1,912 $2,487 $1,638

Cheapest Melrose, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Melrose, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,208 $5,838
American Family $5,047 $7,088
Farmers $4,505 $4,797
GEICO $4,328 $4,022
Liberty Mutual $10,152 $11,432
Nationwide $4,173 $5,435
Progressive $4,125 $4,671
State Farm $3,842 $4,904
Travelers $10,982 $17,445
USAA $3,349 $3,563

Cheapest Melrose, IA Car Insurance for Seniors

Take a look at Melrose, 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 Melrose, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,647 $1,678
American Family $1,698 $1,698
Farmers $1,351 $1,474
GEICO $1,710 $1,564
Liberty Mutual $1,883 $2,289
Nationwide $1,650 $1,770
Progressive $1,474 $1,525
State Farm $1,309 $1,309
Travelers $2,459 $2,469
USAA $1,147 $1,174

Cheapest Melrose, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Melrose, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,222
American Family $4,031
Farmers $2,601
GEICO $3,206
Liberty Mutual $4,820
Nationwide $3,772
Progressive $2,166
State Farm $2,248
Travelers $7,192
USAA $2,487

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Melrose, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Melrose, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,706 $2,837
American Family $2,905 $2,973
Farmers $2,422 $2,422
GEICO $2,294 $2,387
Liberty Mutual $4,419 $4,419
Nationwide $2,646 $2,646
Progressive $2,477 $2,477
State Farm $2,194 $2,302
Travelers $5,541 $5,541
USAA $1,798 $1,934

The Best Cheap Car Insurance Companies in Melrose, IA

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

Average Annual Car Insurance Rates by Company in Melrose, Iowa

Insurance Company Average Annual Rates
Allstate $2,772
American Family $2,939
Farmers $2,422
GEICO $2,341
Liberty Mutual $4,419
Nationwide $2,646
Progressive $2,477
State Farm $2,248
Travelers $5,541
USAA $1,866

Category Winners: Cheapest Car Insurance in Melrose, Iowa

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

Best Annual Car Insurance Rates by Company in Melrose, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Melrose, IA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Melrose, Iowa

Insurance Company Low Medium High
Allstate $2,678 $2,775 $2,862
American Family $2,954 $3,102 $2,761
Farmers $2,314 $2,429 $2,522
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,243 $4,411 $4,604
Nationwide $2,780 $2,625 $2,533
Progressive $2,346 $2,482 $2,602
State Farm $2,152 $2,259 $2,333
Travelers $5,245 $5,623 $5,755
USAA $1,772 $1,872 $1,954

What affects car insurance rates in Melrose, Iowa?

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

Commute Time in Melrose

The more time you spend in your car the higher the risk of an accident. The average commute length in Melrose, IA is 30.5 minutes according to City-Data.

Compare Car Insurance Quotes in Melrose, IA

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption