Compare Oakville, IA Car Insurance Rates (2021)

Car insurance in Oakville, IA averages $252 a month. Oakville, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Oakville car insurance rates, compare quotes from the top car insurance companies in Oakville, 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

  • Average car insurance rates in Oakville, IA are $3,020/year
  • The cheapest car insurance company in Oakville for teen drivers is USAA
  • The cheapest car insurance company in Oakville is USAA

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

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

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

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

How do age, gender, and marital status affect Oakville, IA car insurance rates? Every Oakville, 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 Oakville, 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 $2,015 $1,945 $1,779 $1,812 $5,646 $6,335 $2,212 $2,286
American Family $1,899 $1,899 $1,698 $1,698 $5,047 $7,088 $1,899 $2,287
Farmers $1,524 $1,554 $1,366 $1,491 $4,582 $4,887 $2,062 $2,204
GEICO $1,893 $1,693 $1,696 $1,552 $4,278 $3,972 $1,787 $1,651
Liberty Mutual $2,194 $2,376 $1,940 $2,359 $11,193 $12,590 $2,487 $2,739
Nationwide $1,884 $1,937 $1,676 $1,793 $4,314 $5,598 $2,130 $2,321
Progressive $1,649 $1,586 $1,360 $1,412 $4,072 $4,594 $1,983 $2,143
State Farm $1,446 $1,446 $1,261 $1,261 $3,787 $4,814 $1,622 $1,845
Travelers $2,525 $2,579 $2,446 $2,456 $11,190 $17,895 $2,624 $3,108
USAA $1,263 $1,274 $1,161 $1,179 $3,476 $3,681 $1,515 $1,671

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Minimum Car Insurance in Oakville, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Oakville, Iowa

Insurance Company Poor Fair Good
Allstate $3,594 $2,854 $2,563
American Family $3,747 $2,755 $2,315
Farmers $2,822 $2,339 $2,216
GEICO $2,783 $2,315 $1,848
Liberty Mutual $6,740 $4,181 $3,283
Nationwide $3,293 $2,572 $2,254
Progressive $2,774 $2,243 $2,032
State Farm $3,112 $1,925 $1,519
Travelers $6,303 $5,380 $5,126
USAA $2,498 $1,719 $1,490

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

Annual Oakville, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,567 $3,093 $3,496 $2,859
American Family $2,121 $3,111 $4,031 $2,494
Farmers $2,095 $2,597 $2,637 $2,506
GEICO $1,756 $2,451 $3,170 $1,884
Liberty Mutual $4,083 $5,072 $5,152 $4,633
Nationwide $1,951 $2,815 $3,849 $2,211
Progressive $1,888 $3,098 $2,049 $2,364
State Farm $2,031 $2,339 $2,185 $2,185
Travelers $4,091 $5,444 $7,286 $5,591
USAA $1,451 $1,952 $2,540 $1,667

Cheapest Oakville, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Oakville, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,646 $6,335
American Family $5,047 $7,088
Farmers $4,582 $4,887
GEICO $4,278 $3,972
Liberty Mutual $11,193 $12,590
Nationwide $4,314 $5,598
Progressive $4,072 $4,594
State Farm $3,787 $4,814
Travelers $11,190 $17,895
USAA $3,476 $3,681

Cheapest Oakville, IA Car Insurance for Seniors

Take a look at Oakville, 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 Oakville, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,779 $1,812
American Family $1,698 $1,698
Farmers $1,366 $1,491
GEICO $1,696 $1,552
Liberty Mutual $1,940 $2,359
Nationwide $1,676 $1,793
Progressive $1,360 $1,412
State Farm $1,261 $1,261
Travelers $2,446 $2,456
USAA $1,161 $1,179

Cheapest Oakville, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Oakville, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,496
American Family $4,031
Farmers $2,637
GEICO $3,170
Liberty Mutual $5,152
Nationwide $3,849
Progressive $2,049
State Farm $2,185
Travelers $7,286
USAA $2,540

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Cheapest Oakville, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oakville, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,932 $3,075
American Family $2,905 $2,973
Farmers $2,459 $2,459
GEICO $2,269 $2,362
Liberty Mutual $4,735 $4,735
Nationwide $2,706 $2,706
Progressive $2,350 $2,350
State Farm $2,133 $2,237
Travelers $5,603 $5,603
USAA $1,833 $1,972

The Best Cheap Car Insurance Companies in Oakville, IA

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

Average Annual Car Insurance Rates by Company in Oakville, Iowa

Insurance Company Average Annual Rates
Allstate $3,004
American Family $2,939
Farmers $2,459
GEICO $2,315
Liberty Mutual $4,735
Nationwide $2,706
Progressive $2,350
State Farm $2,185
Travelers $5,603
USAA $1,902

Category Winners: Cheapest Car Insurance in Oakville, Iowa

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

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

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

Annual Car Insurance Rates by Coverage Level in Oakville, Iowa

Insurance Company Low Medium High
Allstate $2,908 $3,006 $3,097
American Family $2,954 $3,102 $2,761
Farmers $2,354 $2,467 $2,556
GEICO $2,192 $2,316 $2,437
Liberty Mutual $4,539 $4,726 $4,939
Nationwide $2,829 $2,691 $2,599
Progressive $2,215 $2,358 $2,476
State Farm $2,092 $2,196 $2,268
Travelers $5,258 $5,689 $5,861
USAA $1,808 $1,909 $1,991

What affects car insurance rates in Oakville, Iowa?

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

Commute Time in Oakville

The more time you spend in your car the higher the risk of an accident. The average commute length in Oakville, IA is 25.0 minutes according to City-Data.

Compare Car Insurance Quotes in Oakville, IA

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

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