Cheap Quotes for Calamus, IA Car Insurance (2021)

Calamus, Iowa car insurance rates average $241 a month and Iowa law requires coverage of at least 20/40/15. By comparing rates from multiple Calamus, IA companies, you can find cheap Calamus 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 Brad Larsen

UPDATED: Apr 20, 2022

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Things to Know

  • Average car insurance rates in Calamus, IA are $241/month
  • Average car insurance rates in Calamus, IA for senior drivers are $1,598/year
  • The cheapest car insurance company in Calamus is USAA

How do the Calamus, Iowa monthly average car insurance rates of $241/month compare to nearby cities like Davenport car insurance rates, Cedar Rapids car insurance rates, and Ames car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Calamus, IA.

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

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

What are the minimum Calamus, IA car insurance requirements?

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

Minimum Required Car Insurance Coverage in Calamus, 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 Calamus, IA car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Calamus, 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 $1,980 $1,893 $1,768 $1,798 $5,899 $6,665 $2,142 $2,198
American Family $1,899 $1,899 $1,698 $1,698 $5,047 $7,088 $1,899 $2,287
Farmers $1,448 $1,476 $1,298 $1,418 $4,354 $4,641 $1,958 $2,091
GEICO $1,893 $1,693 $1,696 $1,552 $4,278 $3,972 $1,787 $1,651
Liberty Mutual $1,978 $2,143 $1,742 $2,115 $9,764 $10,980 $2,242 $2,468
Nationwide $1,681 $1,723 $1,500 $1,598 $3,902 $5,035 $1,907 $2,071
Progressive $1,513 $1,444 $1,247 $1,298 $3,947 $4,446 $1,819 $1,978
State Farm $1,422 $1,422 $1,250 $1,250 $3,861 $4,896 $1,599 $1,820
Travelers $2,474 $2,524 $2,408 $2,412 $11,013 $17,520 $2,576 $3,043
USAA $1,196 $1,207 $1,100 $1,117 $3,276 $3,469 $1,433 $1,579

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

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

Annual Car Insurance Rates for Teen Drivers in Calamus, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,899 $6,665
American Family $5,047 $7,088
Farmers $4,354 $4,641
GEICO $4,278 $3,972
Liberty Mutual $9,764 $10,980
Nationwide $3,902 $5,035
Progressive $3,947 $4,446
State Farm $3,861 $4,896
Travelers $11,013 $17,520
USAA $3,276 $3,469

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

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

Annual Car Insurance Rates for Senior Drivers in Calamus, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,768 $1,798
American Family $1,698 $1,698
Farmers $1,298 $1,418
GEICO $1,696 $1,552
Liberty Mutual $1,742 $2,115
Nationwide $1,500 $1,598
Progressive $1,247 $1,298
State Farm $1,250 $1,250
Travelers $2,408 $2,412
USAA $1,100 $1,117

How does coverage level affect Calamus, 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 Calamus, IA car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Calamus, Iowa

Insurance Company Low Medium High
Allstate $2,923 $3,047 $3,158
American Family $2,954 $3,102 $2,761
Farmers $2,233 $2,343 $2,431
GEICO $2,192 $2,316 $2,437
Liberty Mutual $4,016 $4,174 $4,347
Nationwide $2,525 $2,418 $2,339
Progressive $2,083 $2,219 $2,333
State Farm $2,081 $2,203 $2,286
Travelers $5,184 $5,578 $5,727
USAA $1,706 $1,803 $1,883

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

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

Annual Calamus, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,572 $3,129 $3,581 $2,889
American Family $2,121 $3,111 $4,031 $2,494
Farmers $1,989 $2,468 $2,507 $2,378
GEICO $1,756 $2,451 $3,170 $1,884
Liberty Mutual $3,610 $4,468 $4,549 $4,089
Nationwide $1,762 $2,523 $3,432 $1,991
Progressive $1,771 $2,935 $1,923 $2,216
State Farm $2,026 $2,353 $2,190 $2,190
Travelers $4,001 $5,342 $7,156 $5,485
USAA $1,371 $1,844 $2,398 $1,575

How does a DUI affect Calamus, IA car insurance rates?

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

Annual Car Insurance Rates After a DUI in Calamus, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,581
American Family $4,031
Farmers $2,507
GEICO $3,170
Liberty Mutual $4,549
Nationwide $3,432
Progressive $1,923
State Farm $2,190
Travelers $7,156
USAA $2,398

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

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

Annual Car Insurance Rates by Credit Score in Calamus, Iowa

Insurance Company Poor Fair Good
Allstate $3,635 $2,891 $2,602
American Family $3,747 $2,755 $2,315
Farmers $2,682 $2,221 $2,104
GEICO $2,783 $2,315 $1,848
Liberty Mutual $5,946 $3,688 $2,903
Nationwide $2,944 $2,312 $2,025
Progressive $2,594 $2,115 $1,925
State Farm $3,119 $1,929 $1,522
Travelers $6,180 $5,279 $5,030
USAA $2,359 $1,624 $1,408

How does your commute affect Calamus, IA car insurance rates?

Calamus, 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 Calamus if you’re financing.

Annual Car Insurance Rates by Commute Length in Calamus, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,970 $3,115
American Family $2,905 $2,973
Farmers $2,336 $2,336
GEICO $2,269 $2,362
Liberty Mutual $4,179 $4,179
Nationwide $2,427 $2,427
Progressive $2,212 $2,212
State Farm $2,137 $2,243
Travelers $5,496 $5,496
USAA $1,732 $1,862

Who has the cheapest Calamus, IA car insurance rates?

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

Best Annual Car Insurance Rates by Company in Calamus, 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 Calamus, IA car insurance companies?

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

Average Annual Car Insurance Rates by Company in Calamus, Iowa

Insurance Company Average Annual Rates
Allstate $3,043
American Family $2,939
Farmers $2,336
GEICO $2,315
Liberty Mutual $4,179
Nationwide $2,427
Progressive $2,211
State Farm $2,190
Travelers $5,496
USAA $1,797

What factors affect Calamus, IA car insurance rates?

Why are Calamus, Iowa car insurance rates different than rates in Davenport or Cedar Rapids? 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 Calamus, IA?

More time spent behind the wheel can lead to higher Calamus, Iowa car insurance rates. In Calamus, IA, the average commute length is 27.4 minutes.

Car Insurance Quotes for Calamus, IA

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