Cheap Quotes for Albert City, IA Car Insurance (2021)

Albert City, Iowa car insurance rates average $241 a month and Iowa law requires coverage of at least 20/40/15. By comparing rates from multiple Albert City, IA companies, you can find cheap Albert City car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Albert City has an average commute time of 19.5 minutes
  • Average car insurance rates in Albert City, IA are $241/month
  • Average car insurance rates in Albert City, IA after a DUI are $3,498/year

How do the Albert City, Iowa monthly average car insurance rates of $241/month compare to nearby cities like Ankeny car insurance rates, Waterloo car insurance rates, and Des Moines car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Albert City, IA.

We’ll cover the Iowa minimum coverage requirements, Iowa car insurance laws, and Albert City, IA statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Albert City, Iowa companies to find the most affordable Albert City car insurance rates.

Enter your ZIP code above to find cheap Albert City, IA car insurance quotes today.

What are the minimum Albert City, IA car insurance requirements?

To meet Iowa minimum car insurance coverage requirements, Albert City, IA drivers need to carry at least 20/40/15 coverage.

Minimum Required Car Insurance Coverage in Albert City, 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

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How do age, gender, and marital status affect Albert City, IA car insurance rates?

Three of the criteria that most affect car insurance rates in Albert City, Iowa are age, gender, and marital status. Let’s take a look at how each of these stack up with top Albert City car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Albert City, 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 $2,160 $2,073 $1,920 $1,954 $6,294 $7,089 $2,351 $2,417
American Family $1,935 $1,935 $1,731 $1,731 $5,179 $7,255 $1,935 $2,329
Farmers $1,478 $1,506 $1,324 $1,444 $4,449 $4,739 $2,000 $2,144
GEICO $1,821 $1,640 $1,620 $1,483 $4,142 $3,866 $1,733 $1,612
Liberty Mutual $2,175 $2,363 $1,911 $2,323 $10,438 $11,753 $2,464 $2,720
Nationwide $1,640 $1,682 $1,464 $1,560 $3,780 $4,882 $1,858 $2,019
Progressive $1,355 $1,295 $1,116 $1,164 $3,467 $3,904 $1,625 $1,759
State Farm $1,331 $1,331 $1,169 $1,169 $3,609 $4,572 $1,496 $1,707
Travelers $2,481 $2,535 $2,395 $2,406 $10,800 $17,250 $2,573 $3,064
USAA $1,169 $1,184 $1,073 $1,096 $3,110 $3,307 $1,402 $1,549

How much do teen drivers pay for car insurance in Albert City, IA?

Albert City, Iowa car insurance rates for teens are often higher than rates for other drivers. Compare Albert City car insurance rates from multiple Albert City, Iowa car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Albert City, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,294 $7,089
American Family $5,179 $7,255
Farmers $4,449 $4,739
GEICO $4,142 $3,866
Liberty Mutual $10,438 $11,753
Nationwide $3,780 $4,882
Progressive $3,467 $3,904
State Farm $3,609 $4,572
Travelers $10,800 $17,250
USAA $3,110 $3,307

How much do senior drivers pay for car insurance in Albert City, IA?

With a little research, seniors can find affordable car insurance in Albert City, Iowa. Here’s a look at how the top Albert City car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Albert City, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,920 $1,954
American Family $1,731 $1,731
Farmers $1,324 $1,444
GEICO $1,620 $1,483
Liberty Mutual $1,911 $2,323
Nationwide $1,464 $1,560
Progressive $1,116 $1,164
State Farm $1,169 $1,169
Travelers $2,395 $2,406
USAA $1,073 $1,096

How does coverage level affect Albert City, IA car insurance rates?

How much coverage do you need? Are you comfortable with the Iowa minimum of 20/40/15 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Albert City, IA car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Albert City, Iowa

Insurance Company Low Medium High
Allstate $3,145 $3,287 $3,416
American Family $3,013 $3,171 $2,826
Farmers $2,288 $2,393 $2,476
GEICO $2,141 $2,240 $2,338
Liberty Mutual $4,336 $4,509 $4,710
Nationwide $2,455 $2,351 $2,276
Progressive $1,839 $1,967 $2,075
State Farm $1,951 $2,059 $2,134
Travelers $5,107 $5,521 $5,685
USAA $1,644 $1,742 $1,823

How does your driving record affect Albert City, IA car insurance rates?

Safe driving pays off. The more traffic violations you have in Albert City, IA, the higher your car insurance rates will be. Compare rates based on driving infractions from top Albert City, Iowa companies.

Annual Albert City, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,787 $3,381 $3,843 $3,118
American Family $2,168 $3,176 $4,121 $2,549
Farmers $2,033 $2,522 $2,558 $2,430
GEICO $1,702 $2,373 $3,058 $1,826
Liberty Mutual $3,903 $4,827 $4,926 $4,418
Nationwide $1,713 $2,454 $3,340 $1,936
Progressive $1,574 $2,593 $1,709 $1,967
State Farm $1,896 $2,201 $2,048 $2,048
Travelers $3,978 $5,278 $7,061 $5,435
USAA $1,329 $1,780 $2,313 $1,524

How does a DUI affect Albert City, IA car insurance rates?

With even one DUI on your record, you can see an increase in your Albert City, IA car insurance rates.

Annual Car Insurance Rates After a DUI in Albert City, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,843
American Family $4,121
Farmers $2,558
GEICO $3,058
Liberty Mutual $4,926
Nationwide $3,340
Progressive $1,709
State Farm $2,048
Travelers $7,061
USAA $2,313

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How does your credit history affect Albert City, IA car insurance rates?

Take a look at the data here to see how your Albert City, Iowa car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Albert City, Iowa

Insurance Company Poor Fair Good
Allstate $3,929 $3,118 $2,800
American Family $3,829 $2,814 $2,367
Farmers $2,736 $2,270 $2,151
GEICO $2,691 $2,240 $1,788
Liberty Mutual $6,450 $3,976 $3,129
Nationwide $2,864 $2,248 $1,970
Progressive $2,305 $1,874 $1,702
State Farm $2,916 $1,805 $1,424
Travelers $6,124 $5,219 $4,970
USAA $2,283 $1,568 $1,358

How does your commute affect Albert City, IA car insurance rates?

Albert City, IA car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Iowa can be seen here. Remember, though, that you may have to carry substantially more car insurance in Albert City if you’re financing.

Annual Car Insurance Rates by Commute Length in Albert City, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,204 $3,361
American Family $2,968 $3,039
Farmers $2,386 $2,386
GEICO $2,195 $2,285
Liberty Mutual $4,518 $4,518
Nationwide $2,361 $2,361
Progressive $1,961 $1,961
State Farm $1,999 $2,097
Travelers $5,438 $5,438
USAA $1,673 $1,800

Who has the cheapest Albert City, IA car insurance rates?

Here’s a breakdown of Albert City, Iowa car insurance rates by company. You can see which company offers the cheapest Albert City car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Albert City, 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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What are the top Albert City, IA car insurance companies?

Which Albert City, Iowa car insurance company will best fit your needs and budget? Check out this comparison of the top Albert City companies to find the one for you.

Average Annual Car Insurance Rates by Company in Albert City, Iowa

Insurance Company Average Annual Rates
Allstate $3,282
American Family $3,003
Farmers $2,386
GEICO $2,240
Liberty Mutual $4,518
Nationwide $2,361
Progressive $1,961
State Farm $2,048
Travelers $5,438
USAA $1,736

What factors affect Albert City, IA car insurance rates?

Why are Albert City, Iowa car insurance rates different than rates in Ankeny or Waterloo? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Albert City, IA?

More time spent behind the wheel can lead to higher Albert City, Iowa car insurance rates. In Albert City, IA, the average commute length is 19.5 minutes.

Car Insurance Quotes for Albert City, IA

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