Compare Montezuma, IA Car Insurance Rates (2021)

Car insurance in Montezuma, IA averages $239 a month. Montezuma, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Montezuma car insurance rates, compare quotes from the top car insurance companies in Montezuma, 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 Montezuma for teen drivers is USAA
  • Average car insurance rates in Montezuma, IA after a DUI are $3,450/year
  • Average car insurance rates in Montezuma, IA are $2,872/year

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

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

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

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

How do age, gender, and marital status affect Montezuma, IA car insurance rates? Every Montezuma, 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 Montezuma, 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 $1,863 $1,798 $1,648 $1,680 $5,209 $5,839 $2,041 $2,105
American Family $1,933 $1,933 $1,729 $1,729 $5,150 $7,228 $1,933 $2,329
Farmers $1,491 $1,519 $1,337 $1,458 $4,460 $4,750 $2,014 $2,155
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,005 $2,172 $1,770 $2,150 $10,026 $11,277 $2,271 $2,501
Nationwide $1,649 $1,693 $1,470 $1,569 $3,796 $4,905 $1,867 $2,028
Progressive $1,774 $1,713 $1,464 $1,516 $4,276 $4,831 $2,136 $2,308
State Farm $1,431 $1,431 $1,254 $1,254 $3,841 $4,874 $1,607 $1,830
Travelers $2,237 $2,282 $2,183 $2,190 $10,174 $16,245 $2,335 $2,736
USAA $1,224 $1,238 $1,123 $1,146 $3,285 $3,490 $1,468 $1,622

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Minimum Car Insurance in Montezuma, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Montezuma, Iowa

Insurance Company Poor Fair Good
Allstate $3,313 $2,637 $2,369
American Family $3,819 $2,808 $2,360
Farmers $2,754 $2,281 $2,160
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,078 $3,771 $2,965
Nationwide $2,881 $2,258 $1,978
Progressive $2,962 $2,386 $2,158
State Farm $3,119 $1,930 $1,522
Travelers $5,665 $4,850 $4,628
USAA $2,399 $1,648 $1,427

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

Annual Montezuma, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,373 $2,856 $3,223 $2,640
American Family $2,163 $3,168 $4,110 $2,542
Farmers $2,042 $2,535 $2,574 $2,442
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,687 $4,571 $4,649 $4,179
Nationwide $1,721 $2,466 $3,356 $1,945
Progressive $2,014 $3,290 $2,184 $2,522
State Farm $2,030 $2,351 $2,190 $2,190
Travelers $3,675 $4,916 $6,577 $5,023
USAA $1,395 $1,870 $2,432 $1,602

Cheapest Montezuma, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Montezuma, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,209 $5,839
American Family $5,150 $7,228
Farmers $4,460 $4,750
GEICO $4,328 $4,022
Liberty Mutual $10,026 $11,277
Nationwide $3,796 $4,905
Progressive $4,276 $4,831
State Farm $3,841 $4,874
Travelers $10,174 $16,245
USAA $3,285 $3,490

Cheapest Montezuma, IA Car Insurance for Seniors

Take a look at Montezuma, 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 Montezuma, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,648 $1,680
American Family $1,729 $1,729
Farmers $1,337 $1,458
GEICO $1,710 $1,564
Liberty Mutual $1,770 $2,150
Nationwide $1,470 $1,569
Progressive $1,464 $1,516
State Farm $1,254 $1,254
Travelers $2,183 $2,190
USAA $1,123 $1,146

Cheapest Montezuma, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Montezuma, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,223
American Family $4,110
Farmers $2,574
GEICO $3,206
Liberty Mutual $4,649
Nationwide $3,356
Progressive $2,184
State Farm $2,190
Travelers $6,577
USAA $2,432

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Cheapest Montezuma, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Montezuma, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,707 $2,838
American Family $2,961 $3,031
Farmers $2,398 $2,398
GEICO $2,294 $2,387
Liberty Mutual $4,271 $4,271
Nationwide $2,372 $2,372
Progressive $2,502 $2,502
State Farm $2,138 $2,243
Travelers $5,048 $5,048
USAA $1,758 $1,891

The Best Cheap Car Insurance Companies in Montezuma, IA

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

Average Annual Car Insurance Rates by Company in Montezuma, Iowa

Insurance Company Average Annual Rates
Allstate $2,773
American Family $2,996
Farmers $2,398
GEICO $2,341
Liberty Mutual $4,271
Nationwide $2,372
Progressive $2,502
State Farm $2,190
Travelers $5,048
USAA $1,825

Category Winners: Cheapest Car Insurance in Montezuma, Iowa

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

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

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

Annual Car Insurance Rates by Coverage Level in Montezuma, Iowa

Insurance Company Low Medium High
Allstate $2,679 $2,776 $2,864
American Family $3,012 $3,162 $2,813
Farmers $2,295 $2,405 $2,494
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,096 $4,264 $4,454
Nationwide $2,476 $2,359 $2,281
Progressive $2,363 $2,511 $2,634
State Farm $2,087 $2,202 $2,282
Travelers $4,753 $5,123 $5,267
USAA $1,732 $1,830 $1,911

What affects car insurance rates in Montezuma, Iowa?

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

Commute Time in Montezuma

The more time you spend in your car the higher the risk of an accident. The average commute length in Montezuma, IA is 20.3 minutes according to City-Data.

Compare Car Insurance Quotes in Montezuma, IA

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

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