Best Cheap Auto Insurance in Fort Dodge, IA (2021)

The average Fort Dodge, IA auto insurance rates are $246 per month. The minimum auto insurance in Fort Dodge is at least 20/40/15 in coverage to comply with Iowa auto insurance laws. To find the best cheap auto insurance in Fort Dodge, 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 4, 2022

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Things to Remember

  • Average auto insurance rates in Fort Dodge, IA for senior drivers are $1,634 per year
  • The average commute length in Fort Dodge is 14.4 minutes
  • The minimum auto insurance required in Fort Dodge, Iowa is 20/40/15

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

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

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

Minimum Auto Insurance in Fort Dodge, Iowa

Fort Dodge, 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 Fort Dodge, Iowa.

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

Auto insurance rates in Fort Dodge, 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 Fort Dodge, 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 $1,978 $1,882 $1,774 $1,801 $6,048 $6,859 $2,127 $2,178
American Family $1,834 $1,834 $1,646 $1,646 $4,981 $6,935 $1,834 $2,204
Farmers $1,478 $1,506 $1,324 $1,444 $4,449 $4,739 $2,000 $2,144
GEICO $1,940 $1,743 $1,766 $1,632 $4,550 $4,229 $1,814 $1,667
Liberty Mutual $2,145 $2,333 $1,884 $2,291 $10,137 $11,420 $2,430 $2,683
Nationwide $1,699 $1,744 $1,515 $1,616 $3,921 $5,068 $1,925 $2,092
Progressive $1,608 $1,545 $1,328 $1,377 $4,009 $4,522 $1,934 $2,093
State Farm $1,291 $1,291 $1,151 $1,151 $3,752 $4,724 $1,457 $1,674
Travelers $2,640 $2,693 $2,569 $2,572 $11,704 $18,552 $2,751 $3,256
USAA $1,181 $1,196 $1,084 $1,108 $3,143 $3,342 $1,417 $1,566

Cheap Fort Dodge, Iowa Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Fort Dodge, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,048 $6,859
American Family $4,981 $6,935
Farmers $4,449 $4,739
GEICO $4,550 $4,229
Liberty Mutual $10,137 $11,420
Nationwide $3,921 $5,068
Progressive $4,009 $4,522
State Farm $3,752 $4,724
Travelers $11,704 $18,552
USAA $3,143 $3,342

Cheap Fort Dodge, Iowa Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Fort Dodge, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,774 $1,801
American Family $1,646 $1,646
Farmers $1,324 $1,444
GEICO $1,766 $1,632
Liberty Mutual $1,884 $2,291
Nationwide $1,515 $1,616
Progressive $1,328 $1,377
State Farm $1,151 $1,151
Travelers $2,569 $2,572
USAA $1,084 $1,108

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

Annual Fort Dodge, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,590 $3,167 $3,646 $2,921
American Family $2,067 $3,034 $3,928 $2,429
Farmers $2,033 $2,522 $2,558 $2,430
GEICO $1,796 $2,560 $3,388 $1,927
Liberty Mutual $3,815 $4,714 $4,816 $4,316
Nationwide $1,774 $2,545 $3,466 $2,006
Progressive $1,849 $3,039 $2,007 $2,314
State Farm $1,891 $2,232 $2,061 $2,061
Travelers $4,250 $5,679 $7,606 $5,832
USAA $1,342 $1,799 $2,337 $1,540

Cheap Fort Dodge, Iowa Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Fort Dodge, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,646
American Family $3,928
Farmers $2,558
GEICO $3,388
Liberty Mutual $4,816
Nationwide $3,466
Progressive $2,007
State Farm $2,061
Travelers $7,606
USAA $2,337

Cheap Fort Dodge, Iowa Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Fort Dodge, Iowa

Insurance Company Poor Fair Good
Allstate $3,681 $2,925 $2,636
American Family $3,650 $2,683 $2,261
Farmers $2,736 $2,270 $2,151
GEICO $2,907 $2,418 $1,928
Liberty Mutual $6,305 $3,882 $3,058
Nationwide $2,972 $2,330 $2,042
Progressive $2,714 $2,199 $1,994
State Farm $2,935 $1,816 $1,433
Travelers $6,571 $5,610 $5,345
USAA $2,307 $1,584 $1,372

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Cheap Fort Dodge, Iowa Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Fort Dodge, Iowa

ZIP Code Average Annual Rates
50501 $2,501

Cheap Fort Dodge, Iowa Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Fort Dodge, Iowa

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,007 $3,155
American Family $2,831 $2,898
Farmers $2,386 $2,386
GEICO $2,375 $2,461
Liberty Mutual $4,415 $4,415
Nationwide $2,448 $2,448
Progressive $2,302 $2,302
State Farm $2,012 $2,111
Travelers $5,842 $5,842
USAA $1,691 $1,818

Cheap Fort Dodge, Iowa Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Fort Dodge, Iowa

Insurance Company Low Medium High
Allstate $2,950 $3,086 $3,207
American Family $2,864 $3,025 $2,704
Farmers $2,288 $2,393 $2,476
GEICO $2,281 $2,419 $2,552
Liberty Mutual $4,233 $4,405 $4,608
Nationwide $2,555 $2,436 $2,352
Progressive $2,168 $2,310 $2,428
State Farm $1,945 $2,075 $2,164
Travelers $5,536 $5,928 $6,063
USAA $1,660 $1,760 $1,843

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Best By Category: Cheapest Auto Insurance in Fort Dodge, Iowa

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

Best Annual Auto Insurance Rates by Company in Fort Dodge, 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 Fort Dodge, Iowa Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Fort Dodge, Iowa

Insurance Company Average Annual Rates
Allstate $3,081
American Family $2,864
Farmers $2,386
GEICO $2,418
Liberty Mutual $4,415
Nationwide $2,448
Progressive $2,302
State Farm $2,061
Travelers $5,842
USAA $1,755

What affects auto insurance rates in Fort Dodge, Iowa?

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

Fort Dodge Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Fort Dodge, Iowa commute length is 14.4 minutes according to City-Data.

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Compare Fort Dodge, Iowa Auto Insurance Quotes

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