Compare Palmer, IA Car Insurance Rates (2021)

Car insurance in Palmer, IA averages $246 a month. Palmer, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Palmer car insurance rates, compare quotes from the top car insurance companies in Palmer, 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 Palmer, IA are $2,950/year
  • The cheapest car insurance company in Palmer is USAA
  • Average car insurance rates in Palmer, IA after a DUI are $3,564/year

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

You’ll find Palmer car insurance rates, the cheapest Palmer, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Palmer, Iowa car insurance rates to Iowa City car insurance rates, Ames car insurance rates, and Davenport car insurance rates.

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

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

How do age, gender, and marital status affect Palmer, IA car insurance rates? Every Palmer, 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 Palmer, 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 $2,046 $1,953 $1,827 $1,858 $6,142 $6,946 $2,212 $2,269
American Family $1,977 $1,977 $1,770 $1,770 $5,305 $7,426 $1,977 $2,380
Farmers $1,478 $1,506 $1,324 $1,444 $4,449 $4,739 $2,000 $2,144
GEICO $1,821 $1,640 $1,620 $1,483 $4,142 $3,866 $1,733 $1,612
Liberty Mutual $2,175 $2,363 $1,911 $2,323 $10,438 $11,753 $2,464 $2,720
Nationwide $1,640 $1,682 $1,464 $1,560 $3,780 $4,882 $1,858 $2,019
Progressive $1,510 $1,452 $1,246 $1,295 $3,697 $4,168 $1,812 $1,951
State Farm $1,387 $1,387 $1,221 $1,221 $3,791 $4,804 $1,560 $1,778
Travelers $2,526 $2,578 $2,452 $2,459 $11,220 $17,916 $2,625 $3,107
USAA $1,255 $1,270 $1,149 $1,174 $3,380 $3,592 $1,508 $1,666

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Minimum Car Insurance in Palmer, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Palmer, Iowa

Insurance Company Poor Fair Good
Allstate $3,773 $2,999 $2,698
American Family $3,918 $2,879 $2,420
Farmers $2,736 $2,270 $2,151
GEICO $2,691 $2,240 $1,788
Liberty Mutual $6,450 $3,976 $3,129
Nationwide $2,864 $2,248 $1,970
Progressive $2,530 $2,044 $1,850
State Farm $3,053 $1,889 $1,490
Travelers $6,311 $5,388 $5,133
USAA $2,466 $1,692 $1,465

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

Annual Palmer, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,664 $3,247 $3,720 $2,995
American Family $2,219 $3,246 $4,217 $2,608
Farmers $2,033 $2,522 $2,558 $2,430
GEICO $1,702 $2,373 $3,058 $1,826
Liberty Mutual $3,903 $4,827 $4,926 $4,418
Nationwide $1,713 $2,454 $3,340 $1,936
Progressive $1,723 $2,818 $1,870 $2,154
State Farm $1,982 $2,305 $2,144 $2,144
Travelers $4,090 $5,450 $7,302 $5,601
USAA $1,432 $1,922 $2,500 $1,643

Cheapest Palmer, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Palmer, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,142 $6,946
American Family $5,305 $7,426
Farmers $4,449 $4,739
GEICO $4,142 $3,866
Liberty Mutual $10,438 $11,753
Nationwide $3,780 $4,882
Progressive $3,697 $4,168
State Farm $3,791 $4,804
Travelers $11,220 $17,916
USAA $3,380 $3,592

Cheapest Palmer, IA Car Insurance for Seniors

Take a look at Palmer, 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 Palmer, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,827 $1,858
American Family $1,770 $1,770
Farmers $1,324 $1,444
GEICO $1,620 $1,483
Liberty Mutual $1,911 $2,323
Nationwide $1,464 $1,560
Progressive $1,246 $1,295
State Farm $1,221 $1,221
Travelers $2,452 $2,459
USAA $1,149 $1,174

Cheapest Palmer, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Palmer, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,720
American Family $4,217
Farmers $2,558
GEICO $3,058
Liberty Mutual $4,926
Nationwide $3,340
Progressive $1,870
State Farm $2,144
Travelers $7,302
USAA $2,500

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Cheapest Palmer, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Palmer, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,081 $3,232
American Family $3,037 $3,108
Farmers $2,386 $2,386
GEICO $2,195 $2,285
Liberty Mutual $4,518 $4,518
Nationwide $2,361 $2,361
Progressive $2,141 $2,141
State Farm $2,092 $2,195
Travelers $5,611 $5,611
USAA $1,806 $1,943

The Best Cheap Car Insurance Companies in Palmer, IA

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

Average Annual Car Insurance Rates by Company in Palmer, Iowa

Insurance Company Average Annual Rates
Allstate $3,157
American Family $3,073
Farmers $2,386
GEICO $2,240
Liberty Mutual $4,518
Nationwide $2,361
Progressive $2,141
State Farm $2,144
Travelers $5,611
USAA $1,874

Category Winners: Cheapest Car Insurance in Palmer, Iowa

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

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

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

Annual Car Insurance Rates by Coverage Level in Palmer, Iowa

Insurance Company Low Medium High
Allstate $3,025 $3,162 $3,283
American Family $3,086 $3,243 $2,888
Farmers $2,288 $2,393 $2,476
GEICO $2,141 $2,240 $2,338
Liberty Mutual $4,336 $4,509 $4,710
Nationwide $2,455 $2,351 $2,276
Progressive $2,012 $2,150 $2,262
State Farm $2,036 $2,156 $2,239
Travelers $5,271 $5,696 $5,865
USAA $1,780 $1,880 $1,963

What affects car insurance rates in Palmer, Iowa?

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

Commute Time in Palmer

The more time you spend in your car the higher the risk of an accident. The average commute length in Palmer, IA is 27.3 minutes according to City-Data.

Traffic in Palmer

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Palmer, IA traffic data from INRIX ranks Palmer as the 387th-most congested in the world.

Compare Car Insurance Quotes in Palmer, IA

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

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