Compare Tracy, IA Car Insurance Rates (2021)

Car insurance in Tracy, IA averages $236 a month. Tracy, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Tracy car insurance rates, compare quotes from the top car insurance companies in Tracy, 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 Tracy, IA after a DUI are $3,400/year
  • The cheapest car insurance company in Tracy for teen drivers is USAA
  • The cheapest car insurance company in Tracy is USAA

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

You’ll find Tracy car insurance rates, the cheapest Tracy, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Tracy, Iowa car insurance rates to Waterloo car insurance rates, Cedar Rapids car insurance rates, and Ankeny car insurance rates.

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

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

How do age, gender, and marital status affect Tracy, IA car insurance rates? Every Tracy, 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 Tracy, 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 $1,948 $1,948 $1,741 $1,741 $5,177 $7,274 $1,948 $2,348
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 $1,625 $1,561 $1,341 $1,392 $4,055 $4,576 $1,955 $2,117
State Farm $1,447 $1,447 $1,269 $1,269 $3,891 $4,937 $1,626 $1,851
Travelers $2,172 $2,215 $2,118 $2,121 $9,695 $15,434 $2,263 $2,663
USAA $1,253 $1,270 $1,147 $1,174 $3,349 $3,563 $1,506 $1,665

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Minimum Car Insurance in Tracy, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Tracy, Iowa

Insurance Company Poor Fair Good
Allstate $3,311 $2,636 $2,368
American Family $3,846 $2,827 $2,374
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 $2,744 $2,223 $2,016
State Farm $3,157 $1,953 $1,541
Travelers $5,434 $4,644 $4,426
USAA $2,456 $1,684 $1,458

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

Annual Tracy, 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 $2,177 $3,189 $4,138 $2,560
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 $1,869 $3,073 $2,029 $2,340
State Farm $2,054 $2,380 $2,217 $2,217
Travelers $3,521 $4,701 $6,294 $4,823
USAA $1,427 $1,912 $2,487 $1,638

Cheapest Tracy, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Tracy, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,208 $5,838
American Family $5,177 $7,274
Farmers $4,505 $4,797
GEICO $4,328 $4,022
Liberty Mutual $9,780 $11,006
Nationwide $3,565 $4,631
Progressive $4,055 $4,576
State Farm $3,891 $4,937
Travelers $9,695 $15,434
USAA $3,349 $3,563

Cheapest Tracy, IA Car Insurance for Seniors

Take a look at Tracy, 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 Tracy, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,647 $1,678
American Family $1,741 $1,741
Farmers $1,351 $1,474
GEICO $1,710 $1,564
Liberty Mutual $1,770 $2,150
Nationwide $1,421 $1,521
Progressive $1,341 $1,392
State Farm $1,269 $1,269
Travelers $2,118 $2,121
USAA $1,147 $1,174

Cheapest Tracy, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Tracy, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,222
American Family $4,138
Farmers $2,601
GEICO $3,206
Liberty Mutual $4,587
Nationwide $3,218
Progressive $2,029
State Farm $2,217
Travelers $6,294
USAA $2,487

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Cheapest Tracy, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Tracy, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,706 $2,837
American Family $2,981 $3,051
Farmers $2,422 $2,422
GEICO $2,294 $2,387
Liberty Mutual $4,211 $4,211
Nationwide $2,266 $2,266
Progressive $2,328 $2,328
State Farm $2,164 $2,270
Travelers $4,835 $4,835
USAA $1,798 $1,934

The Best Cheap Car Insurance Companies in Tracy, IA

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

Average Annual Car Insurance Rates by Company in Tracy, Iowa

Insurance Company Average Annual Rates
Allstate $2,772
American Family $3,016
Farmers $2,422
GEICO $2,341
Liberty Mutual $4,211
Nationwide $2,266
Progressive $2,328
State Farm $2,217
Travelers $4,835
USAA $1,866

Category Winners: Cheapest Car Insurance in Tracy, Iowa

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

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

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

Annual Car Insurance Rates by Coverage Level in Tracy, Iowa

Insurance Company Low Medium High
Allstate $2,678 $2,775 $2,862
American Family $3,033 $3,183 $2,831
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 $2,190 $2,335 $2,458
State Farm $2,111 $2,229 $2,311
Travelers $4,552 $4,907 $5,045
USAA $1,772 $1,872 $1,954

Compare Car Insurance Quotes in Tracy, IA

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

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