Compare Waterloo, IA Car Insurance Rates (2021)

Car insurance in Waterloo, IA averages $247 a month. Waterloo, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Waterloo car insurance rates, compare quotes from the top car insurance companies in Waterloo, 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 ZIP code in Waterloo is 50707
  • The cheapest car insurance company in Waterloo is USAA
  • The cheapest car insurance company in Waterloo for teen drivers is USAA

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

You’ll find Waterloo car insurance rates, the cheapest Waterloo, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Waterloo, Iowa car insurance rates to Davenport car insurance rates, Council Bluffs car insurance rates, and West Des Moines car insurance rates.

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

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

How do age, gender, and marital status affect Waterloo, IA car insurance rates? Every Waterloo, 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 Waterloo, 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 $1,875 $1,795 $1,671 $1,700 $5,498 $6,204 $2,033 $2,088
American Family $1,836 $1,836 $1,649 $1,649 $5,021 $6,970 $1,836 $2,202
Farmers $1,449 $1,478 $1,297 $1,423 $4,444 $4,747 $1,967 $2,095
GEICO $2,101 $1,886 $1,928 $1,782 $4,954 $4,599 $1,950 $1,786
Liberty Mutual $1,820 $1,968 $1,617 $1,962 $9,375 $10,542 $2,061 $2,265
Nationwide $1,741 $1,778 $1,556 $1,650 $4,172 $5,353 $1,990 $2,154
Progressive $1,847 $1,771 $1,528 $1,582 $4,696 $5,294 $2,227 $2,413
State Farm $1,469 $1,469 $1,319 $1,319 $4,415 $5,541 $1,662 $1,921
Travelers $2,416 $2,459 $2,384 $2,384 $11,364 $18,182 $2,529 $2,925
USAA $1,209 $1,219 $1,113 $1,129 $3,327 $3,521 $1,448 $1,596

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Minimum Car Insurance in Waterloo, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Waterloo, Iowa

Insurance Company Poor Fair Good
Allstate $3,415 $2,715 $2,443
American Family $3,662 $2,691 $2,271
Farmers $2,709 $2,249 $2,129
GEICO $3,156 $2,623 $2,091
Liberty Mutual $5,610 $3,496 $2,748
Nationwide $3,084 $2,436 $2,129
Progressive $3,140 $2,552 $2,318
State Farm $3,403 $2,105 $1,660
Travelers $6,254 $5,366 $5,121
USAA $2,388 $1,646 $1,427

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

Annual Waterloo, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,422 $2,942 $3,354 $2,714
American Family $2,076 $3,045 $3,942 $2,437
Farmers $2,014 $2,496 $2,536 $2,404
GEICO $1,937 $2,778 $3,701 $2,079
Liberty Mutual $3,407 $4,235 $4,295 $3,867
Nationwide $1,860 $2,650 $3,591 $2,096
Progressive $2,140 $3,536 $2,323 $2,680
State Farm $2,183 $2,595 $2,389 $2,389
Travelers $4,039 $5,436 $7,299 $5,548
USAA $1,388 $1,868 $2,430 $1,595

Cheapest Waterloo, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Waterloo, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,498 $6,204
American Family $5,021 $6,970
Farmers $4,444 $4,747
GEICO $4,954 $4,599
Liberty Mutual $9,375 $10,542
Nationwide $4,172 $5,353
Progressive $4,696 $5,294
State Farm $4,415 $5,541
Travelers $11,364 $18,182
USAA $3,327 $3,521

Cheapest Waterloo, IA Car Insurance for Seniors

Take a look at Waterloo, 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 Waterloo, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,671 $1,700
American Family $1,649 $1,649
Farmers $1,297 $1,423
GEICO $1,928 $1,782
Liberty Mutual $1,617 $1,962
Nationwide $1,556 $1,650
Progressive $1,528 $1,582
State Farm $1,319 $1,319
Travelers $2,384 $2,384
USAA $1,113 $1,129

Cheapest Waterloo, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Waterloo, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,354
American Family $3,942
Farmers $2,536
GEICO $3,701
Liberty Mutual $4,295
Nationwide $3,591
Progressive $2,323
State Farm $2,389
Travelers $7,299
USAA $2,430

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Cheapest Waterloo, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Waterloo, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,790 $2,926
American Family $2,841 $2,908
Farmers $2,362 $2,362
GEICO $2,578 $2,669
Liberty Mutual $3,951 $3,951
Nationwide $2,549 $2,549
Progressive $2,670 $2,670
State Farm $2,332 $2,447
Travelers $5,580 $5,580
USAA $1,754 $1,886

Cheapest Waterloo, IA Car Insurance Rates by ZIP Code

Waterloo car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Waterloo, IA.

Annual Car Insurance Rates by ZIP Code in Waterloo, Iowa

ZIP Code Average Annual Rates
50701 $2,491
50702 $2,563
50703 $2,491
50707 $2,414

The Best Cheap Car Insurance Companies in Waterloo, IA

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

Average Annual Car Insurance Rates by Company in Waterloo, Iowa

Insurance Company Average Annual Rates
Allstate $2,858
American Family $2,875
Farmers $2,362
GEICO $2,623
Liberty Mutual $3,951
Nationwide $2,549
Progressive $2,670
State Farm $2,389
Travelers $5,580
USAA $1,820

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Category Winners: Cheapest Car Insurance in Waterloo, Iowa

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

Best Annual Car Insurance Rates by Company in Waterloo, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

Cheapest Waterloo, IA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Waterloo, Iowa

Insurance Company Low Medium High
Allstate $2,739 $2,862 $2,973
American Family $2,865 $3,036 $2,723
Farmers $2,255 $2,370 $2,462
GEICO $2,460 $2,625 $2,786
Liberty Mutual $3,781 $3,944 $4,128
Nationwide $2,640 $2,546 $2,462
Progressive $2,524 $2,682 $2,803
State Farm $2,252 $2,406 $2,509
Travelers $5,217 $5,667 $5,858
USAA $1,726 $1,826 $1,908

What affects car insurance rates in Waterloo, Iowa?

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

Commute Time in Waterloo

The more time you spend in your car the higher the risk of an accident. The average commute length in Waterloo, IA is 16.1 minutes according to City-Data.

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Compare Car Insurance Quotes in Waterloo, IA

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