Best Cheap Auto Insurance in Altoona, IA (2021)

The average Altoona, IA auto insurance rates are $245 per month. The minimum auto insurance in Altoona is at least 20/40/15 in coverage to comply with Iowa auto insurance laws. To find the best cheap auto insurance in Altoona, Iowa, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Altoona, Iowa is 20/40/15
  • The cheapest auto insurance company in Altoona is USAA
  • The most expensive auto insurance company in Altoona for teen drivers is Travelers

Altoona, Iowa auto insurance requirements are 20/40/15 according to Iowa auto insurance laws. Finding cheap auto insurance in Altoona can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Altoona, Iowa, including driving record, credit, commute time, and more.

Compare auto insurance in Altoona to other Iowa cities, including Iowa City auto insurance rates, Des Moines auto insurance rates, and Davenport auto insurance rates to see how Altoona, Iowa auto insurance rates stack up.

Before you buy Altoona, Iowa auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Altoona, Iowa auto insurance quotes.

Minimum Auto Insurance in Altoona, Iowa

Altoona, Iowa auto insurance laws require that you have at least the Iowa minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Altoona, Iowa.

Minimum Required Auto Insurance Coverage in Altoona, 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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Cheap Altoona, Iowa Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Altoona, Iowa are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Altoona, 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 $1,975 $1,880 $1,771 $1,798 $6,026 $6,831 $2,124 $2,176
American Family $1,812 $1,812 $1,629 $1,629 $4,968 $6,889 $1,812 $2,172
Farmers $1,546 $1,575 $1,383 $1,513 $4,711 $5,019 $2,094 $2,240
GEICO $1,721 $1,538 $1,590 $1,465 $3,985 $3,688 $1,587 $1,446
Liberty Mutual $2,062 $2,230 $1,837 $2,237 $10,755 $12,105 $2,336 $2,562
Nationwide $1,731 $1,766 $1,548 $1,640 $4,172 $5,344 $1,981 $2,142
Progressive $1,640 $1,559 $1,356 $1,411 $4,365 $4,916 $1,969 $2,137
State Farm $1,384 $1,384 $1,242 $1,242 $4,139 $5,200 $1,565 $1,805
Travelers $2,186 $2,224 $2,145 $2,145 $11,132 $17,878 $2,289 $2,638
USAA $1,199 $1,203 $1,107 $1,116 $3,372 $3,555 $1,432 $1,574

Cheap Altoona, Iowa Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Altoona, Iowa is a challenge. Take a look at the annual teen auto insurance rates in Altoona, Iowa.

Annual Auto Insurance Rates for Teen Drivers in Altoona, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,026 $6,831
American Family $4,968 $6,889
Farmers $4,711 $5,019
GEICO $3,985 $3,688
Liberty Mutual $10,755 $12,105
Nationwide $4,172 $5,344
Progressive $4,365 $4,916
State Farm $4,139 $5,200
Travelers $11,132 $17,878
USAA $3,372 $3,555

Cheap Altoona, Iowa Auto Insurance for Seniors

What are senior auto insurance rates in Altoona, Iowa? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Altoona, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,771 $1,798
American Family $1,629 $1,629
Farmers $1,383 $1,513
GEICO $1,590 $1,465
Liberty Mutual $1,837 $2,237
Nationwide $1,548 $1,640
Progressive $1,356 $1,411
State Farm $1,242 $1,242
Travelers $2,145 $2,145
USAA $1,107 $1,116

Cheap Altoona, Iowa Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Altoona, Iowa compared to the annual auto insurance rates with a clean record in Altoona, Iowa.

Annual Altoona, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,584 $3,156 $3,636 $2,914
American Family $2,050 $3,009 $3,894 $2,408
Farmers $2,137 $2,655 $2,697 $2,551
GEICO $1,579 $2,246 $2,993 $1,692
Liberty Mutual $3,889 $4,845 $4,908 $4,420
Nationwide $1,856 $2,641 $3,574 $2,091
Progressive $1,933 $3,221 $2,104 $2,419
State Farm $2,053 $2,438 $2,245 $2,245
Travelers $3,750 $5,055 $7,114 $5,400
USAA $1,383 $1,872 $2,432 $1,591

Cheap Altoona, Iowa Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Altoona, Iowa is not easy. Compare the annual rates for DUI auto insurance in Altoona, Iowa to find the best deal.

Annual Auto Insurance Rates After a DUI in Altoona, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,636
American Family $3,894
Farmers $2,697
GEICO $2,993
Liberty Mutual $4,908
Nationwide $3,574
Progressive $2,104
State Farm $2,245
Travelers $7,114
USAA $2,432

Cheap Altoona, Iowa Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Altoona, Iowa annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Altoona, Iowa

Insurance Company Poor Fair Good
Allstate $3,671 $2,917 $2,630
American Family $3,618 $2,658 $2,244
Farmers $2,880 $2,389 $2,262
GEICO $2,555 $2,127 $1,700
Liberty Mutual $6,407 $3,999 $3,141
Nationwide $3,070 $2,429 $2,122
Progressive $2,827 $2,318 $2,112
State Farm $3,198 $1,978 $1,560
Travelers $5,984 $5,055 $4,950
USAA $2,381 $1,648 $1,431

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Cheap Altoona, Iowa Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Altoona, Iowa can vary. Compare the annual cost of auto insurance by ZIP code in Altoona, Iowa to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Altoona, Iowa

ZIP Code Average Annual Rates
50009 $2,496

Cheap Altoona, Iowa Auto Insurance Rates By Commute

Commute length and annual mileage affect Altoona, Iowa auto insurance. Find the cheapest annual Altoona, Iowa auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Altoona, Iowa

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $2,999 $3,146
American Family $2,807 $2,873
Farmers $2,510 $2,510
GEICO $2,091 $2,164
Liberty Mutual $4,516 $4,516
Nationwide $2,540 $2,540
Progressive $2,419 $2,419
State Farm $2,191 $2,300
Travelers $5,330 $5,330
USAA $1,754 $1,886

Cheap Altoona, Iowa Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Altoona, Iowa? Check out the comparison of annual Altoona, Iowa auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Altoona, Iowa

Insurance Company Low Medium High
Allstate $2,953 $3,077 $3,188
American Family $2,829 $3,000 $2,692
Farmers $2,401 $2,518 $2,611
GEICO $1,985 $2,127 $2,271
Liberty Mutual $4,306 $4,507 $4,734
Nationwide $2,623 $2,540 $2,459
Progressive $2,248 $2,428 $2,581
State Farm $2,113 $2,261 $2,361
Travelers $4,972 $5,429 $5,589
USAA $1,719 $1,826 $1,914

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Best By Category: Cheapest Auto Insurance in Altoona, Iowa

Compare the cheapest auto insurance companies in Altoona, Iowa in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Altoona, Iowa

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

The Cheapest Altoona, Iowa Auto Insurance Companies

What auto insurance companies in Altoona, Iowa are the cheapest? Compare the top Altoona, Iowa auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Altoona, Iowa

Insurance Company Average Annual Rates
Allstate $3,073
American Family $2,840
Farmers $2,510
GEICO $2,127
Liberty Mutual $4,516
Nationwide $2,540
Progressive $2,419
State Farm $2,245
Travelers $5,330
USAA $1,820

What affects auto insurance rates in Altoona, Iowa?

There are a lot of reasons why auto insurance rates in Altoona, Iowa are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Altoona, Iowa. Many local factors may affect your Altoona auto insurance rates.

Altoona Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Altoona, Iowa commute length is 22.0 minutes according to City-Data.

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Compare Altoona, Iowa Auto Insurance Quotes

Before you buy Altoona, Iowa auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Altoona, Iowa auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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