Compare Somers, IA Car Insurance Rates (2021)

Car insurance in Somers, IA averages $245 a month. Somers, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Somers car insurance rates, compare quotes from the top car insurance companies in Somers, 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 Somers, IA after a DUI are $3,545/year
  • The cheapest car insurance company in Somers is USAA
  • Average car insurance rates in Somers, IA are $2,940/year

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

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

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

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

How do age, gender, and marital status affect Somers, IA car insurance rates? Every Somers, 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 Somers, 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 $1,993 $1,904 $1,776 $1,806 $5,921 $6,694 $2,158 $2,219
American Family $2,007 $2,007 $1,794 $1,794 $5,350 $7,510 $2,007 $2,417
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 $2,145 $2,333 $1,884 $2,291 $10,137 $11,420 $2,430 $2,683
Nationwide $1,607 $1,648 $1,435 $1,529 $3,690 $4,767 $1,819 $1,976
Progressive $1,586 $1,524 $1,307 $1,358 $3,953 $4,461 $1,907 $2,066
State Farm $1,447 $1,447 $1,269 $1,269 $3,891 $4,937 $1,626 $1,851
Travelers $2,435 $2,484 $2,373 $2,378 $10,967 $17,503 $2,537 $2,986
USAA $1,292 $1,309 $1,182 $1,208 $3,484 $3,704 $1,554 $1,718

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Minimum Car Insurance in Somers, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Somers, Iowa

Insurance Company Poor Fair Good
Allstate $3,658 $2,905 $2,614
American Family $3,968 $2,914 $2,450
Farmers $2,736 $2,270 $2,151
GEICO $2,691 $2,240 $1,788
Liberty Mutual $6,305 $3,882 $3,058
Nationwide $2,802 $2,198 $1,927
Progressive $2,677 $2,168 $1,966
State Farm $3,157 $1,953 $1,541
Travelers $6,132 $5,243 $4,998
USAA $2,542 $1,743 $1,509

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

Annual Somers, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,584 $3,149 $3,600 $2,903
American Family $2,246 $3,285 $4,270 $2,641
Farmers $2,033 $2,522 $2,558 $2,430
GEICO $1,702 $2,373 $3,058 $1,826
Liberty Mutual $3,815 $4,714 $4,816 $4,316
Nationwide $1,676 $2,401 $3,265 $1,894
Progressive $1,824 $2,996 $1,979 $2,282
State Farm $2,054 $2,380 $2,217 $2,217
Travelers $3,972 $5,308 $7,111 $5,441
USAA $1,475 $1,981 $2,577 $1,693

Cheapest Somers, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Somers, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,921 $6,694
American Family $5,350 $7,510
Farmers $4,449 $4,739
GEICO $4,142 $3,866
Liberty Mutual $10,137 $11,420
Nationwide $3,690 $4,767
Progressive $3,953 $4,461
State Farm $3,891 $4,937
Travelers $10,967 $17,503
USAA $3,484 $3,704

Cheapest Somers, IA Car Insurance for Seniors

Take a look at Somers, 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 Somers, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,776 $1,806
American Family $1,794 $1,794
Farmers $1,324 $1,444
GEICO $1,620 $1,483
Liberty Mutual $1,884 $2,291
Nationwide $1,435 $1,529
Progressive $1,307 $1,358
State Farm $1,269 $1,269
Travelers $2,373 $2,378
USAA $1,182 $1,208

Cheapest Somers, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Somers, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,600
American Family $4,270
Farmers $2,558
GEICO $3,058
Liberty Mutual $4,816
Nationwide $3,265
Progressive $1,979
State Farm $2,217
Travelers $7,111
USAA $2,577

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Cheapest Somers, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Somers, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,986 $3,132
American Family $3,074 $3,147
Farmers $2,386 $2,386
GEICO $2,195 $2,285
Liberty Mutual $4,415 $4,415
Nationwide $2,309 $2,309
Progressive $2,270 $2,270
State Farm $2,164 $2,270
Travelers $5,458 $5,458
USAA $1,861 $2,002

The Best Cheap Car Insurance Companies in Somers, IA

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

Average Annual Car Insurance Rates by Company in Somers, Iowa

Insurance Company Average Annual Rates
Allstate $3,059
American Family $3,111
Farmers $2,386
GEICO $2,240
Liberty Mutual $4,415
Nationwide $2,309
Progressive $2,270
State Farm $2,217
Travelers $5,458
USAA $1,931

Category Winners: Cheapest Car Insurance in Somers, Iowa

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

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

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

Annual Car Insurance Rates by Coverage Level in Somers, Iowa

Insurance Company Low Medium High
Allstate $2,928 $3,064 $3,185
American Family $3,123 $3,284 $2,925
Farmers $2,288 $2,393 $2,476
GEICO $2,141 $2,240 $2,338
Liberty Mutual $4,233 $4,405 $4,608
Nationwide $2,402 $2,299 $2,227
Progressive $2,138 $2,277 $2,395
State Farm $2,111 $2,229 $2,311
Travelers $5,135 $5,540 $5,699
USAA $1,835 $1,937 $2,022

What affects car insurance rates in Somers, Iowa?

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

Commute Time in Somers

The more time you spend in your car the higher the risk of an accident. The average commute length in Somers, IA is 42.9 minutes according to City-Data.

Compare Car Insurance Quotes in Somers, IA

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

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