Compare Waterville, IA Car Insurance Rates (2021)

Car insurance in Waterville, IA averages $243 a month. Waterville, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Waterville car insurance rates, compare quotes from the top car insurance companies in Waterville, 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 Waterville for teen drivers is USAA
  • Average car insurance rates in Waterville, IA after a DUI are $3,498/year
  • The cheapest car insurance company in Waterville is USAA

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

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

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

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

How do age, gender, and marital status affect Waterville, IA car insurance rates? Every Waterville, 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 Waterville, 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 $1,930 $1,860 $1,707 $1,739 $5,435 $6,101 $2,114 $2,182
American Family $2,116 $2,116 $1,889 $1,889 $5,602 $7,889 $2,116 $2,553
Farmers $1,483 $1,511 $1,327 $1,449 $4,490 $4,788 $2,009 $2,153
GEICO $1,893 $1,693 $1,696 $1,552 $4,278 $3,972 $1,787 $1,651
Liberty Mutual $2,159 $2,345 $1,894 $2,301 $10,316 $11,611 $2,447 $2,702
Nationwide $1,872 $1,931 $1,662 $1,786 $4,168 $5,439 $2,103 $2,299
Progressive $1,869 $1,813 $1,538 $1,591 $4,399 $4,979 $2,255 $2,444
State Farm $1,431 $1,431 $1,254 $1,254 $3,825 $4,856 $1,608 $1,828
Travelers $2,057 $2,102 $1,980 $1,990 $8,809 $14,021 $2,133 $2,546
USAA $1,243 $1,259 $1,139 $1,163 $3,352 $3,562 $1,494 $1,650

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Minimum Car Insurance in Waterville, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Waterville, Iowa

Insurance Company Poor Fair Good
Allstate $3,447 $2,740 $2,463
American Family $4,174 $3,066 $2,573
Farmers $2,752 $2,286 $2,166
GEICO $2,783 $2,315 $1,848
Liberty Mutual $6,383 $3,934 $3,098
Nationwide $3,243 $2,518 $2,212
Progressive $3,102 $2,486 $2,245
State Farm $3,113 $1,926 $1,519
Travelers $5,018 $4,275 $4,071
USAA $2,445 $1,677 $1,452

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

Annual Waterville, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,462 $2,968 $3,359 $2,744
American Family $2,363 $3,448 $4,494 $2,779
Farmers $2,047 $2,538 $2,573 $2,447
GEICO $1,756 $2,451 $3,170 $1,884
Liberty Mutual $3,865 $4,774 $4,876 $4,373
Nationwide $1,906 $2,764 $3,794 $2,166
Progressive $2,105 $3,423 $2,279 $2,638
State Farm $2,027 $2,345 $2,186 $2,186
Travelers $3,267 $4,326 $5,773 $4,452
USAA $1,420 $1,903 $2,478 $1,630

Cheapest Waterville, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Waterville, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,435 $6,101
American Family $5,602 $7,889
Farmers $4,490 $4,788
GEICO $4,278 $3,972
Liberty Mutual $10,316 $11,611
Nationwide $4,168 $5,439
Progressive $4,399 $4,979
State Farm $3,825 $4,856
Travelers $8,809 $14,021
USAA $3,352 $3,562

Cheapest Waterville, IA Car Insurance for Seniors

Take a look at Waterville, 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 Waterville, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,707 $1,739
American Family $1,889 $1,889
Farmers $1,327 $1,449
GEICO $1,696 $1,552
Liberty Mutual $1,894 $2,301
Nationwide $1,662 $1,786
Progressive $1,538 $1,591
State Farm $1,254 $1,254
Travelers $1,980 $1,990
USAA $1,139 $1,163

Cheapest Waterville, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Waterville, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,359
American Family $4,494
Farmers $2,573
GEICO $3,170
Liberty Mutual $4,876
Nationwide $3,794
Progressive $2,279
State Farm $2,186
Travelers $5,773
USAA $2,478

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Cheapest Waterville, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Waterville, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,815 $2,952
American Family $3,233 $3,309
Farmers $2,401 $2,401
GEICO $2,269 $2,362
Liberty Mutual $4,472 $4,472
Nationwide $2,658 $2,658
Progressive $2,611 $2,611
State Farm $2,133 $2,239
Travelers $4,455 $4,455
USAA $1,790 $1,925

The Best Cheap Car Insurance Companies in Waterville, IA

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

Average Annual Car Insurance Rates by Company in Waterville, Iowa

Insurance Company Average Annual Rates
Allstate $2,883
American Family $3,271
Farmers $2,401
GEICO $2,315
Liberty Mutual $4,472
Nationwide $2,658
Progressive $2,611
State Farm $2,186
Travelers $4,455
USAA $1,858

Category Winners: Cheapest Car Insurance in Waterville, Iowa

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

Best Annual Car Insurance Rates by Company in Waterville, Iowa

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

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Cheapest Waterville, IA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Waterville, Iowa

Insurance Company Low Medium High
Allstate $2,789 $2,886 $2,974
American Family $3,298 $3,452 $3,063
Farmers $2,304 $2,409 $2,490
GEICO $2,192 $2,316 $2,437
Liberty Mutual $4,299 $4,464 $4,652
Nationwide $2,792 $2,635 $2,545
Progressive $2,486 $2,617 $2,730
State Farm $2,083 $2,198 $2,277
Travelers $4,208 $4,521 $4,635
USAA $1,768 $1,863 $1,942

What affects car insurance rates in Waterville, Iowa?

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

Commute Time in Waterville

The more time you spend in your car the higher the risk of an accident. The average commute length in Waterville, IA is 25.8 minutes according to City-Data.

Compare Car Insurance Quotes in Waterville, IA

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

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