Compare Stuart, IA Car Insurance Rates (2021)

Car insurance in Stuart, IA averages $249 a month. Stuart, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Stuart car insurance rates, compare quotes from the top car insurance companies in Stuart, 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 Stuart, IA are $2,991/year
  • The cheapest car insurance company in Stuart for teen drivers is USAA
  • Average car insurance rates in Stuart, IA after a DUI are $3,605/year

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

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

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

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

How do age, gender, and marital status affect Stuart, IA car insurance rates? Every Stuart, 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 Stuart, 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 $1,971 $1,885 $1,756 $1,785 $5,826 $6,584 $2,137 $2,199
American Family $1,976 $1,976 $1,766 $1,766 $5,251 $7,378 $1,976 $2,381
Farmers $1,546 $1,575 $1,383 $1,513 $4,711 $5,019 $2,094 $2,240
GEICO $1,821 $1,640 $1,620 $1,483 $4,142 $3,866 $1,733 $1,612
Liberty Mutual $2,134 $2,321 $1,864 $2,263 $9,920 $11,166 $2,418 $2,674
Nationwide $1,889 $1,946 $1,678 $1,800 $4,257 $5,545 $2,128 $2,323
Progressive $1,790 $1,733 $1,476 $1,527 $4,258 $4,813 $2,158 $2,332
State Farm $1,519 $1,519 $1,319 $1,319 $3,891 $4,961 $1,702 $1,928
Travelers $2,453 $2,503 $2,386 $2,389 $10,795 $17,149 $2,551 $3,021
USAA $1,259 $1,282 $1,148 $1,184 $3,268 $3,494 $1,517 $1,682

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Minimum Car Insurance in Stuart, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Stuart, Iowa

Insurance Company Poor Fair Good
Allstate $3,609 $2,865 $2,579
American Family $3,901 $2,866 $2,409
Farmers $2,880 $2,389 $2,262
GEICO $2,691 $2,240 $1,788
Liberty Mutual $6,213 $3,815 $3,007
Nationwide $3,286 $2,558 $2,244
Progressive $2,978 $2,393 $2,162
State Farm $3,233 $2,000 $1,577
Travelers $6,084 $5,191 $4,942
USAA $2,447 $1,671 $1,444

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

Annual Stuart, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,552 $3,105 $3,551 $2,865
American Family $2,208 $3,232 $4,197 $2,597
Farmers $2,137 $2,655 $2,697 $2,551
GEICO $1,702 $2,373 $3,058 $1,826
Liberty Mutual $3,759 $4,632 $4,742 $4,247
Nationwide $1,937 $2,804 $3,844 $2,199
Progressive $2,023 $3,296 $2,192 $2,533
State Farm $2,116 $2,424 $2,270 $2,270
Travelers $3,937 $5,248 $7,035 $5,404
USAA $1,423 $1,897 $2,467 $1,631

Cheapest Stuart, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Stuart, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,826 $6,584
American Family $5,251 $7,378
Farmers $4,711 $5,019
GEICO $4,142 $3,866
Liberty Mutual $9,920 $11,166
Nationwide $4,257 $5,545
Progressive $4,258 $4,813
State Farm $3,891 $4,961
Travelers $10,795 $17,149
USAA $3,268 $3,494

Cheapest Stuart, IA Car Insurance for Seniors

Take a look at Stuart, 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 Stuart, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,756 $1,785
American Family $1,766 $1,766
Farmers $1,383 $1,513
GEICO $1,620 $1,483
Liberty Mutual $1,864 $2,263
Nationwide $1,678 $1,800
Progressive $1,476 $1,527
State Farm $1,319 $1,319
Travelers $2,386 $2,389
USAA $1,148 $1,184

Cheapest Stuart, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Stuart, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,551
American Family $4,197
Farmers $2,697
GEICO $3,058
Liberty Mutual $4,742
Nationwide $3,844
Progressive $2,192
State Farm $2,270
Travelers $7,035
USAA $2,467

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Cheapest Stuart, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Stuart, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,946 $3,090
American Family $3,023 $3,094
Farmers $2,510 $2,510
GEICO $2,195 $2,285
Liberty Mutual $4,345 $4,345
Nationwide $2,696 $2,696
Progressive $2,511 $2,511
State Farm $2,216 $2,324
Travelers $5,406 $5,406
USAA $1,786 $1,922

The Best Cheap Car Insurance Companies in Stuart, IA

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

Average Annual Car Insurance Rates by Company in Stuart, Iowa

Insurance Company Average Annual Rates
Allstate $3,018
American Family $3,059
Farmers $2,510
GEICO $2,240
Liberty Mutual $4,345
Nationwide $2,696
Progressive $2,511
State Farm $2,270
Travelers $5,406
USAA $1,854

Category Winners: Cheapest Car Insurance in Stuart, Iowa

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

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

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

Annual Car Insurance Rates by Coverage Level in Stuart, Iowa

Insurance Company Low Medium High
Allstate $2,899 $3,022 $3,133
American Family $3,076 $3,228 $2,872
Farmers $2,401 $2,518 $2,611
GEICO $2,141 $2,240 $2,338
Liberty Mutual $4,184 $4,338 $4,514
Nationwide $2,832 $2,676 $2,580
Progressive $2,383 $2,519 $2,631
State Farm $2,175 $2,281 $2,354
Travelers $5,094 $5,487 $5,636
USAA $1,764 $1,860 $1,939

What affects car insurance rates in Stuart, Iowa?

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

Commute Time in Stuart

The more time you spend in your car the higher the risk of an accident. The average commute length in Stuart, IA is 24.9 minutes according to City-Data.

Traffic in Stuart

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Stuart, IA traffic data from INRIX ranks Stuart as the 642nd-most congested in the world.

Compare Car Insurance Quotes in Stuart, IA

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

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