Cheap Quotes for Muscatine, IA Car Insurance (2021)

Muscatine, Iowa car insurance rates average $244 a month and Iowa law requires coverage of at least 20/40/15. By comparing rates from multiple Muscatine, IA companies, you can find cheap Muscatine 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 Muscatine, IA are $244/month
  • Average car insurance rates in Muscatine, IA after a DUI are $3,544/year
  • Muscatine has an average commute time of 15.5 minutes

How do the Muscatine, Iowa monthly average car insurance rates of $244/month compare to nearby cities like Davenport car insurance rates, Council Bluffs 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 Muscatine, IA.

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

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

What are the minimum Muscatine, IA car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Muscatine, 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 $1,830 $1,830 $1,640 $1,640 $4,918 $6,873 $1,830 $2,201
Farmers $1,448 $1,476 $1,298 $1,418 $4,354 $4,641 $1,958 $2,091
GEICO $1,942 $1,745 $1,760 $1,617 $4,497 $4,185 $1,820 $1,679
Liberty Mutual $2,067 $2,240 $1,830 $2,226 $10,414 $11,720 $2,342 $2,577
Nationwide $1,645 $1,687 $1,469 $1,564 $3,813 $4,919 $1,866 $2,026
Progressive $1,438 $1,374 $1,189 $1,234 $3,739 $4,211 $1,730 $1,879
State Farm $1,344 $1,344 $1,183 $1,183 $3,666 $4,646 $1,512 $1,722
Travelers $2,510 $2,560 $2,450 $2,459 $11,603 $18,673 $2,616 $3,057
USAA $1,263 $1,274 $1,161 $1,179 $3,476 $3,681 $1,515 $1,671

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

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

Annual Car Insurance Rates for Teen Drivers in Muscatine, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,899 $6,665
American Family $4,918 $6,873
Farmers $4,354 $4,641
GEICO $4,497 $4,185
Liberty Mutual $10,414 $11,720
Nationwide $3,813 $4,919
Progressive $3,739 $4,211
State Farm $3,666 $4,646
Travelers $11,603 $18,673
USAA $3,476 $3,681

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

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

Annual Car Insurance Rates for Senior Drivers in Muscatine, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,768 $1,798
American Family $1,640 $1,640
Farmers $1,298 $1,418
GEICO $1,760 $1,617
Liberty Mutual $1,830 $2,226
Nationwide $1,469 $1,564
Progressive $1,189 $1,234
State Farm $1,183 $1,183
Travelers $2,450 $2,459
USAA $1,161 $1,179

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

Annual Car Insurance Rates by Coverage Level in Muscatine, Iowa

Insurance Company Low Medium High
Allstate $2,923 $3,047 $3,158
American Family $2,852 $3,004 $2,680
Farmers $2,233 $2,343 $2,431
GEICO $2,274 $2,406 $2,538
Liberty Mutual $4,235 $4,418 $4,628
Nationwide $2,469 $2,364 $2,288
Progressive $1,974 $2,107 $2,216
State Farm $1,971 $2,087 $2,167
Travelers $5,357 $5,831 $6,036
USAA $1,808 $1,909 $1,991

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

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

Annual Muscatine, 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 $2,053 $3,015 $3,900 $2,413
Farmers $1,989 $2,468 $2,507 $2,378
GEICO $1,800 $2,547 $3,345 $1,931
Liberty Mutual $3,818 $4,741 $4,818 $4,331
Nationwide $1,724 $2,468 $3,355 $1,948
Progressive $1,682 $2,785 $1,827 $2,103
State Farm $1,919 $2,231 $2,075 $2,075
Travelers $4,177 $5,588 $7,490 $5,709
USAA $1,451 $1,952 $2,540 $1,667

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

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

Annual Car Insurance Rates After a DUI in Muscatine, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,581
American Family $3,900
Farmers $2,507
GEICO $3,345
Liberty Mutual $4,818
Nationwide $3,355
Progressive $1,827
State Farm $2,075
Travelers $7,490
USAA $2,540

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

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

Annual Car Insurance Rates by Credit Score in Muscatine, Iowa

Insurance Company Poor Fair Good
Allstate $3,635 $2,891 $2,602
American Family $3,626 $2,666 $2,244
Farmers $2,682 $2,221 $2,104
GEICO $2,893 $2,406 $1,919
Liberty Mutual $6,298 $3,909 $3,073
Nationwide $2,879 $2,261 $1,981
Progressive $2,462 $2,008 $1,827
State Farm $2,954 $1,828 $1,442
Travelers $6,441 $5,517 $5,265
USAA $2,498 $1,719 $1,490

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

Muscatine, 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 Muscatine if you’re financing.

Annual Car Insurance Rates by Commute Length in Muscatine, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,970 $3,115
American Family $2,812 $2,878
Farmers $2,336 $2,336
GEICO $2,362 $2,450
Liberty Mutual $4,427 $4,427
Nationwide $2,374 $2,374
Progressive $2,099 $2,099
State Farm $2,025 $2,125
Travelers $5,741 $5,741
USAA $1,833 $1,972

Who has the cheapest Muscatine, IA car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Muscatine, Iowa

Insurance Company Average Annual Rates
Allstate $3,043
American Family $2,845
Farmers $2,336
GEICO $2,406
Liberty Mutual $4,427
Nationwide $2,374
Progressive $2,099
State Farm $2,075
Travelers $5,741
USAA $1,902

What factors affect Muscatine, IA car insurance rates?

Why are Muscatine, 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 Muscatine, IA?

More time spent behind the wheel can lead to higher Muscatine, Iowa car insurance rates. In Muscatine, IA, the average commute length is 15.5 minutes.

Car Insurance Quotes for Muscatine, IA

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