Compare Waukee, IA Car Insurance Rates (2021)

Car insurance in Waukee, IA averages $245 a month. Waukee, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Waukee car insurance rates, compare quotes from the top car insurance companies in Waukee, 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 Waukee, IA are $2,942/year
  • Average car insurance rates in Waukee, IA after a DUI are $3,549/year
  • The cheapest car insurance company in Waukee for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Waukee, IA car insurance rates? Every Waukee, 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 Waukee, 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 $1,876 $1,767 $1,794 $6,022 $6,828 $2,120 $2,172
American Family $1,834 $1,834 $1,646 $1,646 $4,981 $6,935 $1,834 $2,204
Farmers $1,546 $1,575 $1,383 $1,513 $4,711 $5,019 $2,094 $2,240
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,126 $2,305 $1,878 $2,286 $10,534 $11,859 $2,409 $2,650
Nationwide $1,607 $1,642 $1,438 $1,525 $3,805 $4,885 $1,832 $1,983
Progressive $1,497 $1,423 $1,240 $1,286 $4,018 $4,516 $1,803 $1,959
State Farm $1,383 $1,383 $1,218 $1,218 $3,793 $4,804 $1,555 $1,774
Travelers $2,468 $2,512 $2,434 $2,434 $11,593 $18,532 $2,585 $2,991
USAA $1,156 $1,163 $1,067 $1,079 $3,184 $3,365 $1,380 $1,519

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Minimum Car Insurance in Waukee, IA

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

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

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

Annual Car Insurance Rates by Credit Score in Waukee, Iowa

Insurance Company Poor Fair Good
Allstate $3,665 $2,914 $2,628
American Family $3,650 $2,683 $2,261
Farmers $2,880 $2,389 $2,262
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,411 $3,977 $3,129
Nationwide $2,829 $2,234 $1,955
Progressive $2,592 $2,125 $1,937
State Farm $3,049 $1,886 $1,488
Travelers $6,381 $5,474 $5,225
USAA $2,277 $1,574 $1,366

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

Annual Waukee, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,580 $3,152 $3,633 $2,910
American Family $2,067 $3,034 $3,928 $2,429
Farmers $2,137 $2,655 $2,697 $2,551
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,888 $4,821 $4,906 $4,408
Nationwide $1,708 $2,432 $3,294 $1,925
Progressive $1,773 $2,956 $1,925 $2,217
State Farm $1,979 $2,303 $2,141 $2,141
Travelers $4,122 $5,548 $7,445 $5,660
USAA $1,325 $1,787 $2,321 $1,523

Cheapest Waukee, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Waukee, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,022 $6,828
American Family $4,981 $6,935
Farmers $4,711 $5,019
GEICO $4,328 $4,022
Liberty Mutual $10,534 $11,859
Nationwide $3,805 $4,885
Progressive $4,018 $4,516
State Farm $3,793 $4,804
Travelers $11,593 $18,532
USAA $3,184 $3,365

Cheapest Waukee, IA Car Insurance for Seniors

Take a look at Waukee, 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 Waukee, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,767 $1,794
American Family $1,646 $1,646
Farmers $1,383 $1,513
GEICO $1,710 $1,564
Liberty Mutual $1,878 $2,286
Nationwide $1,438 $1,525
Progressive $1,240 $1,286
State Farm $1,218 $1,218
Travelers $2,434 $2,434
USAA $1,067 $1,079

Cheapest Waukee, IA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Waukee, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,633
American Family $3,928
Farmers $2,697
GEICO $3,206
Liberty Mutual $4,906
Nationwide $3,294
Progressive $1,925
State Farm $2,141
Travelers $7,445
USAA $2,321

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Cheapest Waukee, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Waukee, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,995 $3,142
American Family $2,831 $2,898
Farmers $2,510 $2,510
GEICO $2,294 $2,387
Liberty Mutual $4,506 $4,506
Nationwide $2,340 $2,340
Progressive $2,218 $2,218
State Farm $2,089 $2,193
Travelers $5,694 $5,694
USAA $1,676 $1,802

The Best Cheap Car Insurance Companies in Waukee, IA

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

Average Annual Car Insurance Rates by Company in Waukee, Iowa

Insurance Company Average Annual Rates
Allstate $3,069
American Family $2,864
Farmers $2,510
GEICO $2,341
Liberty Mutual $4,506
Nationwide $2,340
Progressive $2,218
State Farm $2,141
Travelers $5,694
USAA $1,739

Category Winners: Cheapest Car Insurance in Waukee, Iowa

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

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

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

Annual Car Insurance Rates by Coverage Level in Waukee, Iowa

Insurance Company Low Medium High
Allstate $2,951 $3,073 $3,182
American Family $2,864 $3,025 $2,704
Farmers $2,401 $2,518 $2,611
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,311 $4,498 $4,709
Nationwide $2,417 $2,337 $2,264
Progressive $2,098 $2,231 $2,325
State Farm $2,033 $2,154 $2,237
Travelers $5,333 $5,781 $5,967
USAA $1,641 $1,745 $1,831

What affects car insurance rates in Waukee, Iowa?

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

Commute Time in Waukee

The more time you spend in your car the higher the risk of an accident. The average commute length in Waukee, IA is 20.3 minutes according to City-Data.

Compare Car Insurance Quotes in Waukee, IA

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

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