Cheap Quotes for Palo, IA Car Insurance (2021)

Palo, Iowa car insurance rates average $231 a month and Iowa law requires coverage of at least 20/40/15. By comparing rates from multiple Palo, IA companies, you can find cheap Palo 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

  • Palo has an average commute time of 20.6 minutes
  • Average car insurance rates in Palo, IA are $231/month
  • Average car insurance rates in Palo, IA after a DUI are $3,326/year

How do the Palo, Iowa monthly average car insurance rates of $231/month compare to nearby cities like Sioux City car insurance rates, Des Moines car insurance rates, and Davenport car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Palo, IA.

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

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

What are the minimum Palo, IA car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Palo, 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 $1,823 $1,748 $1,627 $1,655 $5,312 $5,985 $1,975 $2,027
American Family $1,805 $1,805 $1,619 $1,619 $4,877 $6,801 $1,805 $2,168
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 $1,979 $2,144 $1,748 $2,124 $9,884 $11,119 $2,243 $2,467
Nationwide $1,669 $1,709 $1,491 $1,586 $3,911 $5,035 $1,898 $2,058
Progressive $1,526 $1,460 $1,259 $1,309 $3,910 $4,405 $1,836 $1,990
State Farm $1,439 $1,439 $1,289 $1,289 $4,271 $5,371 $1,626 $1,873
Travelers $1,991 $2,027 $1,956 $1,956 $9,125 $14,466 $2,085 $2,429
USAA $1,162 $1,166 $1,075 $1,083 $3,259 $3,436 $1,386 $1,524

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

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

Annual Car Insurance Rates for Teen Drivers in Palo, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,312 $5,985
American Family $4,877 $6,801
Farmers $4,354 $4,641
GEICO $4,278 $3,972
Liberty Mutual $9,884 $11,119
Nationwide $3,911 $5,035
Progressive $3,910 $4,405
State Farm $4,271 $5,371
Travelers $9,125 $14,466
USAA $3,259 $3,436

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

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

Annual Car Insurance Rates for Senior Drivers in Palo, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,627 $1,655
American Family $1,619 $1,619
Farmers $1,298 $1,418
GEICO $1,696 $1,552
Liberty Mutual $1,748 $2,124
Nationwide $1,491 $1,586
Progressive $1,259 $1,309
State Farm $1,289 $1,289
Travelers $1,956 $1,956
USAA $1,075 $1,083

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

Annual Car Insurance Rates by Coverage Level in Palo, Iowa

Insurance Company Low Medium High
Allstate $2,673 $2,772 $2,862
American Family $2,810 $2,970 $2,657
Farmers $2,233 $2,343 $2,431
GEICO $2,192 $2,316 $2,437
Liberty Mutual $4,040 $4,207 $4,394
Nationwide $2,512 $2,412 $2,334
Progressive $2,088 $2,221 $2,327
State Farm $2,189 $2,341 $2,443
Travelers $4,272 $4,569 $4,671
USAA $1,664 $1,768 $1,852

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

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

Annual Palo, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,352 $2,845 $3,246 $2,632
American Family $2,030 $2,981 $3,855 $2,384
Farmers $1,989 $2,468 $2,507 $2,378
GEICO $1,756 $2,451 $3,170 $1,884
Liberty Mutual $3,637 $4,509 $4,586 $4,123
Nationwide $1,761 $2,515 $3,415 $1,987
Progressive $1,774 $2,929 $1,925 $2,219
State Farm $2,127 $2,522 $2,325 $2,325
Travelers $3,268 $4,392 $5,878 $4,480
USAA $1,340 $1,811 $2,353 $1,542

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

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

Annual Car Insurance Rates After a DUI in Palo, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,246
American Family $3,855
Farmers $2,507
GEICO $3,170
Liberty Mutual $4,586
Nationwide $3,415
Progressive $1,925
State Farm $2,325
Travelers $5,878
USAA $2,353

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

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

Annual Car Insurance Rates by Credit Score in Palo, Iowa

Insurance Company Poor Fair Good
Allstate $3,305 $2,632 $2,370
American Family $3,584 $2,634 $2,219
Farmers $2,682 $2,221 $2,104
GEICO $2,783 $2,315 $1,848
Liberty Mutual $5,992 $3,721 $2,928
Nationwide $2,932 $2,307 $2,020
Progressive $2,600 $2,114 $1,921
State Farm $3,311 $2,048 $1,615
Travelers $5,050 $4,331 $4,132
USAA $2,304 $1,595 $1,385

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

Palo, 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 Palo if you’re financing.

Annual Car Insurance Rates by Commute Length in Palo, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,704 $2,834
American Family $2,780 $2,845
Farmers $2,336 $2,336
GEICO $2,269 $2,362
Liberty Mutual $4,214 $4,214
Nationwide $2,420 $2,420
Progressive $2,212 $2,212
State Farm $2,268 $2,381
Travelers $4,504 $4,504
USAA $1,697 $1,825

Who has the cheapest Palo, IA car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Palo, Iowa

Insurance Company Average Annual Rates
Allstate $2,769
American Family $2,812
Farmers $2,336
GEICO $2,315
Liberty Mutual $4,214
Nationwide $2,420
Progressive $2,212
State Farm $2,325
Travelers $4,504
USAA $1,761

What factors affect Palo, IA car insurance rates?

Why are Palo, Iowa car insurance rates different than rates in Sioux City or Des Moines? 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 Palo, IA?

More time spent behind the wheel can lead to higher Palo, Iowa car insurance rates. In Palo, IA, the average commute length is 20.6 minutes.

Car Insurance Quotes for Palo, IA

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