Best Cheap Auto Insurance in Carter Lake, IA (2021)

The average Carter Lake, IA auto insurance rates are $285 per month. The minimum auto insurance in Carter Lake is at least 20/40/15 in coverage to comply with Iowa auto insurance laws. To find the best cheap auto insurance in Carter Lake, Iowa, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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: May 17, 2021

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Things to Remember

  • The average commute length in Carter Lake is 21.9 minutes
  • Average auto insurance rates in Carter Lake, IA for senior drivers are $1,889 per year
  • The minimum auto insurance required in Carter Lake, Iowa is 20/40/15

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

Compare auto insurance in Carter Lake to other Iowa cities, including Waterloo auto insurance rates, Davenport auto insurance rates, and West Des Moines auto insurance rates to see how Carter Lake, Iowa auto insurance rates stack up.

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

Minimum Auto Insurance in Carter Lake, Iowa

Carter Lake, 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 Carter Lake, Iowa.

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

Auto insurance rates in Carter Lake, 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 Carter Lake, 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 $2,072 $1,919 $1,954 $6,293 $7,087 $2,351 $2,417
American Family $2,069 $2,069 $1,856 $1,856 $5,635 $7,846 $2,069 $2,482
Farmers $1,595 $1,625 $1,428 $1,560 $4,821 $5,140 $2,159 $2,309
GEICO $2,096 $1,873 $1,919 $1,767 $4,871 $4,511 $1,947 $1,781
Liberty Mutual $2,407 $2,612 $2,130 $2,598 $12,118 $13,648 $2,729 $3,003
Nationwide $2,304 $2,365 $2,048 $2,190 $5,348 $6,943 $2,614 $2,849
Progressive $2,188 $2,120 $1,810 $1,868 $5,127 $5,802 $2,633 $2,832
State Farm $1,525 $1,525 $1,367 $1,367 $4,529 $5,702 $1,724 $1,980
Travelers $2,768 $2,824 $2,701 $2,710 $12,725 $20,373 $2,889 $3,386
USAA $1,476 $1,491 $1,354 $1,379 $4,072 $4,322 $1,776 $1,966

Cheap Carter Lake, Iowa Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Carter Lake, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,293 $7,087
American Family $5,635 $7,846
Farmers $4,821 $5,140
GEICO $4,871 $4,511
Liberty Mutual $12,118 $13,648
Nationwide $5,348 $6,943
Progressive $5,127 $5,802
State Farm $4,529 $5,702
Travelers $12,725 $20,373
USAA $4,072 $4,322

Cheap Carter Lake, Iowa Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Carter Lake, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,919 $1,954
American Family $1,856 $1,856
Farmers $1,428 $1,560
GEICO $1,919 $1,767
Liberty Mutual $2,130 $2,598
Nationwide $2,048 $2,190
Progressive $1,810 $1,868
State Farm $1,367 $1,367
Travelers $2,701 $2,710
USAA $1,354 $1,379

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

Annual Carter Lake, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,786 $3,380 $3,842 $3,118
American Family $2,338 $3,411 $4,444 $2,747
Farmers $2,198 $2,727 $2,768 $2,627
GEICO $1,927 $2,752 $3,635 $2,068
Liberty Mutual $4,443 $5,522 $5,613 $5,043
Nationwide $2,394 $3,467 $4,752 $2,717
Progressive $2,454 $3,996 $2,665 $3,076
State Farm $2,256 $2,674 $2,465 $2,465
Travelers $4,577 $6,131 $8,215 $6,265
USAA $1,696 $2,291 $2,979 $1,952

Cheap Carter Lake, Iowa Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Carter Lake, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,842
American Family $4,444
Farmers $2,768
GEICO $3,635
Liberty Mutual $5,613
Nationwide $4,752
Progressive $2,665
State Farm $2,465
Travelers $8,215
USAA $2,979

Cheap Carter Lake, Iowa Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Carter Lake, Iowa

Insurance Company Poor Fair Good
Allstate $3,928 $3,118 $2,800
American Family $4,125 $3,027 $2,553
Farmers $2,960 $2,455 $2,325
GEICO $3,123 $2,596 $2,069
Liberty Mutual $7,342 $4,550 $3,574
Nationwide $4,053 $3,168 $2,777
Progressive $3,614 $2,906 $2,623
State Farm $3,512 $2,171 $1,712
Travelers $7,067 $6,051 $5,773
USAA $2,929 $2,015 $1,745

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Cheap Carter Lake, Iowa Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Carter Lake, Iowa

ZIP Code Average Annual Rates
51510 $2,889

Cheap Carter Lake, Iowa Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Carter Lake, Iowa

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,203 $3,360
American Family $3,197 $3,273
Farmers $2,580 $2,580
GEICO $2,548 $2,643
Liberty Mutual $5,155 $5,155
Nationwide $3,333 $3,333
Progressive $3,048 $3,048
State Farm $2,404 $2,526
Travelers $6,297 $6,297
USAA $2,148 $2,311

Cheap Carter Lake, Iowa Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Carter Lake, Iowa

Insurance Company Low Medium High
Allstate $3,144 $3,286 $3,415
American Family $3,220 $3,417 $3,067
Farmers $2,470 $2,588 $2,682
GEICO $2,427 $2,597 $2,763
Liberty Mutual $4,927 $5,143 $5,396
Nationwide $3,458 $3,324 $3,216
Progressive $2,853 $3,057 $3,233
State Farm $2,315 $2,484 $2,596
Travelers $5,915 $6,393 $6,584
USAA $2,113 $2,238 $2,338

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Best By Category: Cheapest Auto Insurance in Carter Lake, Iowa

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

Best Annual Auto Insurance Rates by Company in Carter Lake, Iowa

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

The Cheapest Carter Lake, Iowa Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Carter Lake, Iowa

Insurance Company Average Annual Rates
Allstate $3,282
American Family $3,235
Farmers $2,580
GEICO $2,596
Liberty Mutual $5,155
Nationwide $3,333
Progressive $3,048
State Farm $2,465
Travelers $6,297
USAA $2,230

What affects auto insurance rates in Carter Lake, Iowa?

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

Carter Lake Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Carter Lake, Iowa commute length is 21.9 minutes according to City-Data.

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Compare Carter Lake, Iowa Auto Insurance Quotes

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