Cheap Quotes for Merrill, IA Car Insurance (2021)

Merrill, Iowa car insurance rates average $243 a month and Iowa law requires coverage of at least 20/40/15. By comparing rates from multiple Merrill, IA companies, you can find cheap Merrill 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

  • Merrill has an average commute time of 20.5 minutes
  • Average car insurance rates in Merrill, IA for senior drivers are $1,622/year
  • Average car insurance rates in Merrill, IA after a DUI are $3,524/year

How do the Merrill, Iowa monthly average car insurance rates of $243/month compare to nearby cities like Davenport car insurance rates, Council Bluffs car insurance rates, and Sioux City car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Merrill, IA.

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

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

What are the minimum Merrill, IA car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Merrill, 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 $1,938 $1,938 $1,734 $1,734 $5,176 $7,258 $1,938 $2,334
Farmers $1,510 $1,539 $1,351 $1,477 $4,580 $4,887 $2,048 $2,192
GEICO $1,821 $1,640 $1,620 $1,483 $4,142 $3,866 $1,733 $1,612
Liberty Mutual $2,146 $2,333 $1,886 $2,294 $10,198 $11,487 $2,431 $2,684
Nationwide $1,767 $1,813 $1,576 $1,681 $4,074 $5,270 $2,002 $2,177
Progressive $1,484 $1,415 $1,223 $1,276 $3,817 $4,299 $1,777 $1,921
State Farm $1,309 $1,309 $1,158 $1,158 $3,644 $4,611 $1,474 $1,681
Travelers $2,313 $2,361 $2,243 $2,250 $10,142 $16,154 $2,404 $2,848
USAA $1,307 $1,321 $1,199 $1,222 $3,562 $3,781 $1,570 $1,735

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

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

Annual Car Insurance Rates for Teen Drivers in Merrill, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,294 $7,089
American Family $5,176 $7,258
Farmers $4,580 $4,887
GEICO $4,142 $3,866
Liberty Mutual $10,198 $11,487
Nationwide $4,074 $5,270
Progressive $3,817 $4,299
State Farm $3,644 $4,611
Travelers $10,142 $16,154
USAA $3,562 $3,781

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

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

Annual Car Insurance Rates for Senior Drivers in Merrill, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,920 $1,954
American Family $1,734 $1,734
Farmers $1,351 $1,477
GEICO $1,620 $1,483
Liberty Mutual $1,886 $2,294
Nationwide $1,576 $1,681
Progressive $1,223 $1,276
State Farm $1,158 $1,158
Travelers $2,243 $2,250
USAA $1,199 $1,222

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

Annual Car Insurance Rates by Coverage Level in Merrill, Iowa

Insurance Company Low Medium High
Allstate $3,145 $3,287 $3,416
American Family $3,019 $3,173 $2,827
Farmers $2,348 $2,456 $2,540
GEICO $2,141 $2,240 $2,338
Liberty Mutual $4,248 $4,422 $4,626
Nationwide $2,640 $2,537 $2,458
Progressive $2,004 $2,158 $2,292
State Farm $1,933 $2,056 $2,140
Travelers $4,786 $5,167 $5,316
USAA $1,859 $1,969 $2,059

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

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

Annual Merrill, 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 $2,170 $3,179 $4,125 $2,552
Farmers $2,088 $2,586 $2,622 $2,496
GEICO $1,702 $2,373 $3,058 $1,826
Liberty Mutual $3,829 $4,733 $4,834 $4,333
Nationwide $1,842 $2,646 $3,608 $2,084
Progressive $1,725 $2,849 $1,875 $2,157
State Farm $1,884 $2,201 $2,043 $2,043
Travelers $3,717 $4,944 $6,614 $5,084
USAA $1,496 $2,015 $2,619 $1,719

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

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

Annual Car Insurance Rates After a DUI in Merrill, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,843
American Family $4,125
Farmers $2,622
GEICO $3,058
Liberty Mutual $4,834
Nationwide $3,608
Progressive $1,875
State Farm $2,043
Travelers $6,614
USAA $2,619

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

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

Annual Car Insurance Rates by Credit Score in Merrill, Iowa

Insurance Company Poor Fair Good
Allstate $3,929 $3,118 $2,800
American Family $3,834 $2,817 $2,369
Farmers $2,805 $2,331 $2,208
GEICO $2,691 $2,240 $1,788
Liberty Mutual $6,328 $3,898 $3,070
Nationwide $3,089 $2,422 $2,124
Progressive $2,526 $2,058 $1,870
State Farm $2,909 $1,800 $1,420
Travelers $5,728 $4,886 $4,654
USAA $2,578 $1,773 $1,536

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

Merrill, 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 Merrill if you’re financing.

Annual Car Insurance Rates by Commute Length in Merrill, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,204 $3,361
American Family $2,971 $3,042
Farmers $2,448 $2,448
GEICO $2,195 $2,285
Liberty Mutual $4,432 $4,432
Nationwide $2,545 $2,545
Progressive $2,152 $2,152
State Farm $1,993 $2,093
Travelers $5,089 $5,089
USAA $1,891 $2,034

Who has the cheapest Merrill, IA car insurance rates?

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

Best Annual Car Insurance Rates by Company in Merrill, Iowa

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

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What are the top Merrill, IA car insurance companies?

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

Average Annual Car Insurance Rates by Company in Merrill, Iowa

Insurance Company Average Annual Rates
Allstate $3,282
American Family $3,006
Farmers $2,448
GEICO $2,240
Liberty Mutual $4,432
Nationwide $2,545
Progressive $2,152
State Farm $2,043
Travelers $5,089
USAA $1,962

What factors affect Merrill, IA car insurance rates?

Why are Merrill, Iowa car insurance rates different than rates in Davenport or Council Bluffs? 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 Merrill, IA?

More time spent behind the wheel can lead to higher Merrill, Iowa car insurance rates. In Merrill, IA, the average commute length is 20.5 minutes.

Car Insurance Quotes for Merrill, IA

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