Best Cheap Auto Insurance in Council Bluffs, IA (2021)

The average Council Bluffs, IA auto insurance rates are $300 per month. The minimum auto insurance in Council Bluffs is at least 20/40/15 in coverage to comply with Iowa auto insurance laws. To find the best cheap auto insurance in Council Bluffs, 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

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

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

Compare auto insurance in Council Bluffs to other Iowa cities, including Waterloo auto insurance rates, Council Bluffs auto insurance rates, and Des Moines auto insurance rates to see how Council Bluffs, Iowa auto insurance rates stack up.

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

Minimum Auto Insurance in Council Bluffs, Iowa

Council Bluffs, 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 Council Bluffs, Iowa.

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

Auto insurance rates in Council Bluffs, 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 Council Bluffs, 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 $2,096 $2,096 $1,878 $1,878 $5,681 $7,928 $2,096 $2,517
Farmers $1,665 $1,698 $1,489 $1,633 $5,091 $5,443 $2,261 $2,409
GEICO $2,096 $1,873 $1,919 $1,767 $4,871 $4,511 $1,947 $1,781
Liberty Mutual $2,308 $2,504 $2,044 $2,492 $11,623 $13,090 $2,617 $2,880
Nationwide $2,304 $2,365 $2,048 $2,190 $5,348 $6,943 $2,614 $2,849
Progressive $2,451 $2,381 $2,026 $2,089 $5,660 $6,413 $2,954 $3,181
State Farm $1,497 $1,497 $1,341 $1,341 $4,442 $5,591 $1,691 $1,944
Travelers $3,428 $3,503 $3,318 $3,344 $15,880 $25,714 $3,565 $4,199
USAA $1,476 $1,491 $1,354 $1,379 $4,072 $4,322 $1,776 $1,966

Cheap Council Bluffs, Iowa Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Council Bluffs, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,293 $7,087
American Family $5,681 $7,928
Farmers $5,091 $5,443
GEICO $4,871 $4,511
Liberty Mutual $11,623 $13,090
Nationwide $5,348 $6,943
Progressive $5,660 $6,413
State Farm $4,442 $5,591
Travelers $15,880 $25,714
USAA $4,072 $4,322

Cheap Council Bluffs, Iowa Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Council Bluffs, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,919 $1,954
American Family $1,878 $1,878
Farmers $1,489 $1,633
GEICO $1,919 $1,767
Liberty Mutual $2,044 $2,492
Nationwide $2,048 $2,190
Progressive $2,026 $2,089
State Farm $1,341 $1,341
Travelers $3,318 $3,344
USAA $1,354 $1,379

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

Annual Council Bluffs, 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 $2,365 $3,448 $4,494 $2,779
Farmers $2,313 $2,863 $2,907 $2,763
GEICO $1,927 $2,752 $3,635 $2,068
Liberty Mutual $4,262 $5,296 $5,383 $4,837
Nationwide $2,394 $3,467 $4,752 $2,717
Progressive $2,735 $4,444 $2,968 $3,431
State Farm $2,213 $2,623 $2,418 $2,418
Travelers $5,736 $7,658 $10,262 $7,819
USAA $1,696 $2,291 $2,979 $1,952

Cheap Council Bluffs, Iowa Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Council Bluffs, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,842
American Family $4,494
Farmers $2,907
GEICO $3,635
Liberty Mutual $5,383
Nationwide $4,752
Progressive $2,968
State Farm $2,418
Travelers $10,262
USAA $2,979

Cheap Council Bluffs, Iowa Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Council Bluffs, Iowa

Insurance Company Poor Fair Good
Allstate $3,928 $3,118 $2,800
American Family $4,173 $3,061 $2,580
Farmers $3,108 $2,581 $2,445
GEICO $3,123 $2,596 $2,069
Liberty Mutual $7,041 $4,365 $3,429
Nationwide $4,053 $3,168 $2,777
Progressive $4,034 $3,234 $2,916
State Farm $3,444 $2,130 $1,680
Travelers $8,831 $7,560 $7,216
USAA $2,929 $2,015 $1,745

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Cheap Council Bluffs, Iowa Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Council Bluffs, Iowa

ZIP Code Average Annual Rates
51501 $3,090
51503 $3,044

Cheap Council Bluffs, Iowa Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Council Bluffs, Iowa

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,203 $3,360
American Family $3,233 $3,310
Farmers $2,711 $2,711
GEICO $2,548 $2,643
Liberty Mutual $4,945 $4,945
Nationwide $3,333 $3,333
Progressive $3,395 $3,395
State Farm $2,359 $2,478
Travelers $7,869 $7,869
USAA $2,148 $2,311

Cheap Council Bluffs, Iowa Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Council Bluffs, Iowa

Insurance Company Low Medium High
Allstate $3,144 $3,286 $3,415
American Family $3,260 $3,455 $3,099
Farmers $2,592 $2,721 $2,821
GEICO $2,427 $2,597 $2,763
Liberty Mutual $4,724 $4,933 $5,177
Nationwide $3,458 $3,324 $3,216
Progressive $3,191 $3,404 $3,588
State Farm $2,272 $2,436 $2,546
Travelers $7,333 $7,993 $8,281
USAA $2,113 $2,238 $2,338

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Best By Category: Cheapest Auto Insurance in Council Bluffs, Iowa

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

Best Annual Auto Insurance Rates by Company in Council Bluffs, Iowa

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

The Cheapest Council Bluffs, Iowa Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Council Bluffs, Iowa

Insurance Company Average Annual Rates
Allstate $3,282
American Family $3,271
Farmers $2,711
GEICO $2,596
Liberty Mutual $4,945
Nationwide $3,333
Progressive $3,395
State Farm $2,418
Travelers $7,869
USAA $2,230

What affects auto insurance rates in Council Bluffs, Iowa?

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

Council Bluffs Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Council Bluffs, Iowa commute length is 19.3 minutes according to City-Data.

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Compare Council Bluffs, Iowa Auto Insurance Quotes

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