Compare Otley, IA Car Insurance Rates (2021)

Car insurance in Otley, IA averages $235 a month. Otley, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Otley car insurance rates, compare quotes from the top car insurance companies in Otley, 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 Otley is USAA
  • The cheapest car insurance company in Otley for teen drivers is USAA
  • Average car insurance rates in Otley, IA after a DUI are $3,392/year

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

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

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

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

How do age, gender, and marital status affect Otley, IA car insurance rates? Every Otley, 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 Otley, 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 $2,002 $2,002 $1,788 $1,788 $5,297 $7,457 $2,002 $2,414
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 $2,011 $2,181 $1,770 $2,150 $9,780 $11,006 $2,278 $2,511
Nationwide $1,595 $1,641 $1,421 $1,521 $3,565 $4,631 $1,795 $1,956
Progressive $1,609 $1,540 $1,328 $1,379 $4,089 $4,610 $1,933 $2,095
State Farm $1,469 $1,469 $1,288 $1,288 $3,938 $4,999 $1,651 $1,877
Travelers $2,172 $2,215 $2,118 $2,121 $9,695 $15,434 $2,263 $2,663
USAA $1,147 $1,160 $1,055 $1,075 $3,071 $3,260 $1,373 $1,516

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Minimum Car Insurance in Otley, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Otley, Iowa

Insurance Company Poor Fair Good
Allstate $3,311 $2,636 $2,368
American Family $3,947 $2,900 $2,434
Farmers $2,783 $2,302 $2,180
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,000 $3,711 $2,921
Nationwide $2,755 $2,151 $1,891
Progressive $2,732 $2,220 $2,016
State Farm $3,201 $1,980 $1,562
Travelers $5,434 $4,644 $4,426
USAA $2,242 $1,543 $1,337

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

Annual Otley, 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 $2,233 $3,268 $4,246 $2,627
Farmers $2,061 $2,560 $2,601 $2,465
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,637 $4,500 $4,587 $4,119
Nationwide $1,636 $2,356 $3,218 $1,853
Progressive $1,863 $3,073 $2,023 $2,331
State Farm $2,083 $2,412 $2,247 $2,247
Travelers $3,521 $4,701 $6,294 $4,823
USAA $1,305 $1,751 $2,274 $1,498

Cheapest Otley, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Otley, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,208 $5,838
American Family $5,297 $7,457
Farmers $4,505 $4,797
GEICO $4,328 $4,022
Liberty Mutual $9,780 $11,006
Nationwide $3,565 $4,631
Progressive $4,089 $4,610
State Farm $3,938 $4,999
Travelers $9,695 $15,434
USAA $3,071 $3,260

Cheapest Otley, IA Car Insurance for Seniors

Take a look at Otley, 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 Otley, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,647 $1,678
American Family $1,788 $1,788
Farmers $1,351 $1,474
GEICO $1,710 $1,564
Liberty Mutual $1,770 $2,150
Nationwide $1,421 $1,521
Progressive $1,328 $1,379
State Farm $1,288 $1,288
Travelers $2,118 $2,121
USAA $1,055 $1,075

Cheapest Otley, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Otley, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,222
American Family $4,246
Farmers $2,601
GEICO $3,206
Liberty Mutual $4,587
Nationwide $3,218
Progressive $2,023
State Farm $2,247
Travelers $6,294
USAA $2,274

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Cheapest Otley, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Otley, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,706 $2,837
American Family $3,057 $3,130
Farmers $2,422 $2,422
GEICO $2,294 $2,387
Liberty Mutual $4,211 $4,211
Nationwide $2,266 $2,266
Progressive $2,323 $2,323
State Farm $2,193 $2,302
Travelers $4,835 $4,835
USAA $1,645 $1,769

The Best Cheap Car Insurance Companies in Otley, IA

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

Average Annual Car Insurance Rates by Company in Otley, Iowa

Insurance Company Average Annual Rates
Allstate $2,772
American Family $3,093
Farmers $2,422
GEICO $2,341
Liberty Mutual $4,211
Nationwide $2,266
Progressive $2,323
State Farm $2,247
Travelers $4,835
USAA $1,707

Category Winners: Cheapest Car Insurance in Otley, Iowa

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

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

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

Annual Car Insurance Rates by Coverage Level in Otley, Iowa

Insurance Company Low Medium High
Allstate $2,678 $2,775 $2,862
American Family $3,115 $3,265 $2,900
Farmers $2,314 $2,429 $2,522
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,040 $4,204 $4,389
Nationwide $2,358 $2,253 $2,185
Progressive $2,178 $2,330 $2,460
State Farm $2,140 $2,260 $2,342
Travelers $4,552 $4,907 $5,045
USAA $1,614 $1,713 $1,795

Compare Car Insurance Quotes in Otley, IA

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

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