Compare Spirit Lake, IA Car Insurance Rates (2021)

Car insurance in Spirit Lake, IA averages $244 a month. Spirit Lake, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Spirit Lake car insurance rates, compare quotes from the top car insurance companies in Spirit Lake, 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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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 Spirit Lake is USAA
  • Average car insurance rates in Spirit Lake, IA after a DUI are $3,529/year
  • The cheapest car insurance company in Spirit Lake for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Spirit Lake, IA car insurance rates? Every Spirit Lake, 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 Spirit Lake, 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 $2,160 $2,073 $1,920 $1,954 $6,294 $7,089 $2,351 $2,417
American Family $1,863 $1,863 $1,667 $1,667 $4,980 $6,977 $1,863 $2,242
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 $2,233 $2,424 $1,972 $2,401 $11,030 $12,421 $2,532 $2,787
Nationwide $1,725 $1,767 $1,539 $1,639 $4,031 $5,198 $1,960 $2,127
Progressive $1,465 $1,404 $1,208 $1,255 $3,679 $4,146 $1,760 $1,904
State Farm $1,424 $1,424 $1,255 $1,255 $3,906 $4,950 $1,601 $1,824
Travelers $2,364 $2,413 $2,295 $2,303 $10,512 $16,825 $2,456 $2,899
USAA $1,169 $1,184 $1,073 $1,096 $3,110 $3,307 $1,402 $1,549

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Minimum Car Insurance in Spirit Lake, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Spirit Lake, Iowa

Insurance Company Poor Fair Good
Allstate $3,929 $3,118 $2,800
American Family $3,685 $2,709 $2,278
Farmers $2,736 $2,270 $2,151
GEICO $2,691 $2,240 $1,788
Liberty Mutual $6,730 $4,167 $3,278
Nationwide $3,030 $2,381 $2,085
Progressive $2,478 $2,008 $1,822
State Farm $3,140 $1,943 $1,532
Travelers $5,914 $5,049 $4,812
USAA $2,283 $1,568 $1,358

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

Annual Spirit Lake, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,787 $3,381 $3,843 $3,118
American Family $2,086 $3,061 $3,963 $2,452
Farmers $2,033 $2,522 $2,558 $2,430
GEICO $1,702 $2,373 $3,058 $1,826
Liberty Mutual $4,077 $5,055 $5,147 $4,622
Nationwide $1,814 $2,597 $3,532 $2,050
Progressive $1,689 $2,776 $1,833 $2,112
State Farm $2,038 $2,372 $2,205 $2,205
Travelers $3,838 $5,108 $6,840 $5,247
USAA $1,329 $1,780 $2,313 $1,524

Cheapest Spirit Lake, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Spirit Lake, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,294 $7,089
American Family $4,980 $6,977
Farmers $4,449 $4,739
GEICO $4,142 $3,866
Liberty Mutual $11,030 $12,421
Nationwide $4,031 $5,198
Progressive $3,679 $4,146
State Farm $3,906 $4,950
Travelers $10,512 $16,825
USAA $3,110 $3,307

Cheapest Spirit Lake, IA Car Insurance for Seniors

Take a look at Spirit Lake, 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 Spirit Lake, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,920 $1,954
American Family $1,667 $1,667
Farmers $1,324 $1,444
GEICO $1,620 $1,483
Liberty Mutual $1,972 $2,401
Nationwide $1,539 $1,639
Progressive $1,208 $1,255
State Farm $1,255 $1,255
Travelers $2,295 $2,303
USAA $1,073 $1,096

Cheapest Spirit Lake, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Spirit Lake, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,843
American Family $3,963
Farmers $2,558
GEICO $3,058
Liberty Mutual $5,147
Nationwide $3,532
Progressive $1,833
State Farm $2,205
Travelers $6,840
USAA $2,313

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Cheapest Spirit Lake, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Spirit Lake, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,204 $3,361
American Family $2,857 $2,924
Farmers $2,386 $2,386
GEICO $2,195 $2,285
Liberty Mutual $4,725 $4,725
Nationwide $2,498 $2,498
Progressive $2,103 $2,103
State Farm $2,151 $2,258
Travelers $5,258 $5,258
USAA $1,673 $1,800

The Best Cheap Car Insurance Companies in Spirit Lake, IA

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

Average Annual Car Insurance Rates by Company in Spirit Lake, Iowa

Insurance Company Average Annual Rates
Allstate $3,282
American Family $2,890
Farmers $2,386
GEICO $2,240
Liberty Mutual $4,725
Nationwide $2,498
Progressive $2,103
State Farm $2,205
Travelers $5,258
USAA $1,736

Category Winners: Cheapest Car Insurance in Spirit Lake, Iowa

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

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

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

Annual Car Insurance Rates by Coverage Level in Spirit Lake, Iowa

Insurance Company Low Medium High
Allstate $3,145 $3,287 $3,416
American Family $2,899 $3,051 $2,721
Farmers $2,288 $2,393 $2,476
GEICO $2,141 $2,240 $2,338
Liberty Mutual $4,523 $4,715 $4,937
Nationwide $2,595 $2,490 $2,410
Progressive $1,985 $2,111 $2,213
State Farm $2,091 $2,218 $2,305
Travelers $4,920 $5,340 $5,515
USAA $1,644 $1,742 $1,823

What affects car insurance rates in Spirit Lake, Iowa?

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

Commute Time in Spirit Lake

The more time you spend in your car the higher the risk of an accident. The average commute length in Spirit Lake, IA is 12.6 minutes according to City-Data.

Compare Car Insurance Quotes in Spirit Lake, IA

Ready to find affordable Spirit Lake, Iowa car insurance today? Enter your ZIP code for fast, free Spirit Lake, 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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