Best Cheap Auto Insurance in Ames, IA (2021)

The average Ames, IA auto insurance rates are $222 per month. The minimum auto insurance in Ames is at least 20/40/15 in coverage to comply with Iowa auto insurance laws. To find the best cheap auto insurance in Ames, 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

UPDATED: Jul 16, 2021

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Things to Remember

  • Average auto insurance rates in Ames, IA for senior drivers are $1,456 per year
  • The average commute length in Ames is 16.4 minutes
  • The minimum auto insurance required in Ames, Iowa is 20/40/15

Ames, Iowa auto insurance requirements are 20/40/15 according to Iowa auto insurance laws. Finding cheap auto insurance in Ames 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 Ames, Iowa, including driving record, credit, commute time, and more.

Compare auto insurance in Ames to other Iowa cities, including Davenport auto insurance rates, Cedar Rapids auto insurance rates, and West Des Moines auto insurance rates to see how Ames, Iowa auto insurance rates stack up.

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

Minimum Auto Insurance in Ames, Iowa

Ames, 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 Ames, Iowa.

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

Auto insurance rates in Ames, 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 Ames, 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 $1,832 $1,756 $1,635 $1,663 $5,361 $6,041 $1,984 $2,036
American Family $1,672 $1,672 $1,502 $1,502 $4,538 $6,310 $1,672 $2,007
Farmers $1,367 $1,393 $1,223 $1,339 $4,167 $4,441 $1,852 $1,980
GEICO $1,446 $1,305 $1,325 $1,224 $3,363 $3,133 $1,350 $1,244
Liberty Mutual $1,968 $2,127 $1,738 $2,107 $10,072 $11,316 $2,230 $2,454
Nationwide $1,631 $1,665 $1,460 $1,547 $3,905 $5,004 $1,864 $2,016
Progressive $1,490 $1,417 $1,232 $1,281 $3,959 $4,455 $1,790 $1,943
State Farm $1,242 $1,242 $1,112 $1,112 $3,677 $4,618 $1,403 $1,620
Travelers $2,144 $2,184 $2,106 $2,104 $9,652 $15,317 $2,239 $2,618
USAA $1,031 $1,036 $955 $964 $2,818 $2,974 $1,226 $1,347

Cheap Ames, Iowa Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Ames, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,361 $6,041
American Family $4,538 $6,310
Farmers $4,167 $4,441
GEICO $3,363 $3,133
Liberty Mutual $10,072 $11,316
Nationwide $3,905 $5,004
Progressive $3,959 $4,455
State Farm $3,677 $4,618
Travelers $9,652 $15,317
USAA $2,818 $2,974

Cheap Ames, Iowa Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Ames, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,635 $1,663
American Family $1,502 $1,502
Farmers $1,223 $1,339
GEICO $1,325 $1,224
Liberty Mutual $1,738 $2,107
Nationwide $1,460 $1,547
Progressive $1,232 $1,281
State Farm $1,112 $1,112
Travelers $2,106 $2,104
USAA $955 $964

Cheap Ames, 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 Ames, Iowa compared to the annual auto insurance rates with a clean record in Ames, Iowa.

Annual Ames, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,367 $2,865 $3,271 $2,651
American Family $1,881 $2,775 $3,572 $2,210
Farmers $1,891 $2,349 $2,385 $2,257
GEICO $1,342 $1,901 $2,514 $1,438
Liberty Mutual $3,669 $4,552 $4,623 $4,162
Nationwide $1,745 $2,480 $3,356 $1,965
Progressive $1,757 $2,922 $1,909 $2,196
State Farm $1,833 $2,173 $2,003 $2,003
Travelers $3,481 $4,662 $6,253 $4,786
USAA $1,178 $1,587 $2,058 $1,353

Cheap Ames, Iowa Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Ames, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,271
American Family $3,572
Farmers $2,385
GEICO $2,514
Liberty Mutual $4,623
Nationwide $3,356
Progressive $1,909
State Farm $2,003
Travelers $6,253
USAA $2,058

Cheap Ames, Iowa Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Ames, Iowa

Insurance Company Poor Fair Good
Allstate $3,327 $2,651 $2,388
American Family $3,323 $2,444 $2,061
Farmers $2,547 $2,113 $2,001
GEICO $2,156 $1,799 $1,441
Liberty Mutual $6,043 $3,758 $2,953
Nationwide $2,885 $2,281 $1,994
Progressive $2,569 $2,103 $1,916
State Farm $2,852 $1,765 $1,393
Travelers $5,388 $4,607 $4,391
USAA $2,019 $1,398 $1,215

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Cheap Ames, Iowa Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Ames, Iowa

ZIP Code Average Annual Rates
50010 $2,248
50011 $2,251
50012 $2,233
50013 $2,260
50014 $2,242

Cheap Ames, Iowa Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Ames, Iowa

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $2,722 $2,854
American Family $2,579 $2,640
Farmers $2,220 $2,220
GEICO $1,768 $1,829
Liberty Mutual $4,252 $4,252
Nationwide $2,387 $2,387
Progressive $2,196 $2,196
State Farm $1,955 $2,051
Travelers $4,796 $4,796
USAA $1,488 $1,600

Cheap Ames, Iowa Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Ames, Iowa

Insurance Company Low Medium High
Allstate $2,695 $2,792 $2,879
American Family $2,607 $2,755 $2,465
Farmers $2,123 $2,227 $2,310
GEICO $1,698 $1,799 $1,899
Liberty Mutual $4,089 $4,247 $4,419
Nationwide $2,476 $2,382 $2,301
Progressive $2,057 $2,205 $2,326
State Farm $1,891 $2,016 $2,102
Travelers $4,509 $4,868 $5,010
USAA $1,452 $1,550 $1,630

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Best By Category: Cheapest Auto Insurance in Ames, Iowa

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

Best Annual Auto Insurance Rates by Company in Ames, 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 Ames, Iowa Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Ames, Iowa

Insurance Company Average Annual Rates
Allstate $2,788
American Family $2,609
Farmers $2,220
GEICO $1,799
Liberty Mutual $4,252
Nationwide $2,387
Progressive $2,196
State Farm $2,003
Travelers $4,796
USAA $1,544

What affects auto insurance rates in Ames, Iowa?

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

Ames Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Ames, Iowa commute length is 16.4 minutes according to City-Data.

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Compare Ames, Iowa Auto Insurance Quotes

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