Compare Oskaloosa, IA Car Insurance Rates (2021)

Car insurance in Oskaloosa, IA averages $237 a month. Oskaloosa, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Oskaloosa car insurance rates, compare quotes from the top car insurance companies in Oskaloosa, 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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Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Oskaloosa is USAA
  • The cheapest car insurance company in Oskaloosa for teen drivers is USAA
  • Average car insurance rates in Oskaloosa, IA after a DUI are $3,414/year

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

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

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

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

How do age, gender, and marital status affect Oskaloosa, IA car insurance rates? Every Oskaloosa, 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 Oskaloosa, 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 $1,896 $1,833 $1,674 $1,707 $5,256 $5,883 $2,083 $2,149
American Family $1,785 $1,785 $1,599 $1,599 $4,784 $6,691 $1,785 $2,147
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 $2,011 $2,181 $1,770 $2,150 $9,780 $11,006 $2,278 $2,511
Nationwide $1,513 $1,552 $1,351 $1,440 $3,451 $4,458 $1,710 $1,857
Progressive $1,682 $1,616 $1,388 $1,440 $4,186 $4,725 $2,022 $2,189
State Farm $1,435 $1,435 $1,260 $1,260 $3,856 $4,898 $1,612 $1,830
Travelers $2,366 $2,416 $2,296 $2,305 $10,524 $16,800 $2,462 $2,909
USAA $1,260 $1,274 $1,155 $1,178 $3,409 $3,621 $1,513 $1,671

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Minimum Car Insurance in Oskaloosa, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Oskaloosa, Iowa

Insurance Company Poor Fair Good
Allstate $3,357 $2,673 $2,400
American Family $3,532 $2,597 $2,186
Farmers $2,754 $2,281 $2,160
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,000 $3,711 $2,921
Nationwide $2,628 $2,062 $1,809
Progressive $2,837 $2,298 $2,084
State Farm $3,130 $1,937 $1,527
Travelers $5,914 $5,051 $4,815
USAA $2,479 $1,703 $1,474

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

Annual Oskaloosa, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,409 $2,896 $3,260 $2,676
American Family $1,999 $2,940 $3,798 $2,350
Farmers $2,042 $2,535 $2,574 $2,442
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,637 $4,500 $4,587 $4,119
Nationwide $1,574 $2,252 $3,061 $1,778
Progressive $1,932 $3,176 $2,098 $2,419
State Farm $2,037 $2,360 $2,198 $2,198
Travelers $3,838 $5,114 $6,841 $5,245
USAA $1,440 $1,933 $2,515 $1,654

Cheapest Oskaloosa, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Oskaloosa, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,256 $5,883
American Family $4,784 $6,691
Farmers $4,460 $4,750
GEICO $4,328 $4,022
Liberty Mutual $9,780 $11,006
Nationwide $3,451 $4,458
Progressive $4,186 $4,725
State Farm $3,856 $4,898
Travelers $10,524 $16,800
USAA $3,409 $3,621

Cheapest Oskaloosa, IA Car Insurance for Seniors

Take a look at Oskaloosa, 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 Oskaloosa, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,674 $1,707
American Family $1,599 $1,599
Farmers $1,337 $1,458
GEICO $1,710 $1,564
Liberty Mutual $1,770 $2,150
Nationwide $1,351 $1,440
Progressive $1,388 $1,440
State Farm $1,260 $1,260
Travelers $2,296 $2,305
USAA $1,155 $1,178

Cheapest Oskaloosa, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Oskaloosa, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,260
American Family $3,798
Farmers $2,574
GEICO $3,206
Liberty Mutual $4,587
Nationwide $3,061
Progressive $2,098
State Farm $2,198
Travelers $6,841
USAA $2,515

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Cheapest Oskaloosa, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oskaloosa, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,744 $2,877
American Family $2,739 $2,804
Farmers $2,398 $2,398
GEICO $2,294 $2,387
Liberty Mutual $4,211 $4,211
Nationwide $2,166 $2,166
Progressive $2,406 $2,406
State Farm $2,145 $2,252
Travelers $5,260 $5,260
USAA $1,816 $1,954

The Best Cheap Car Insurance Companies in Oskaloosa, IA

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

Average Annual Car Insurance Rates by Company in Oskaloosa, Iowa

Insurance Company Average Annual Rates
Allstate $2,810
American Family $2,772
Farmers $2,398
GEICO $2,341
Liberty Mutual $4,211
Nationwide $2,166
Progressive $2,406
State Farm $2,198
Travelers $5,260
USAA $1,885

Category Winners: Cheapest Car Insurance in Oskaloosa, Iowa

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

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

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

Annual Car Insurance Rates by Coverage Level in Oskaloosa, Iowa

Insurance Company Low Medium High
Allstate $2,717 $2,813 $2,900
American Family $2,779 $2,926 $2,610
Farmers $2,295 $2,405 $2,494
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,040 $4,204 $4,389
Nationwide $2,255 $2,156 $2,088
Progressive $2,258 $2,413 $2,547
State Farm $2,087 $2,211 $2,296
Travelers $4,950 $5,339 $5,491
USAA $1,792 $1,891 $1,973

What affects car insurance rates in Oskaloosa, Iowa?

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

Commute Time in Oskaloosa

The more time you spend in your car the higher the risk of an accident. The average commute length in Oskaloosa, IA is 16.0 minutes according to City-Data.

Compare Car Insurance Quotes in Oskaloosa, IA

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

Free Car Insurance Comparison

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

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