Best Cheap Auto Insurance in Garwin, IA (2021)

The average Garwin, IA auto insurance rates are $238 per month. The minimum auto insurance in Garwin is at least 20/40/15 in coverage to comply with Iowa auto insurance laws. To find the best cheap auto insurance in Garwin, 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 15, 2021

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Things to Remember

  • The cheapest auto insurance company in Garwin is USAA
  • Average auto insurance rates in Garwin, IA for senior drivers are $1,592 per year
  • The minimum auto insurance required in Garwin, Iowa is 20/40/15

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

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

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

Minimum Auto Insurance in Garwin, Iowa

Garwin, 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 Garwin, Iowa.

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

Auto insurance rates in Garwin, 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 Garwin, 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 $1,846 $1,770 $1,644 $1,672 $5,368 $6,054 $2,005 $2,063
American Family $1,884 $1,884 $1,686 $1,686 $5,028 $7,049 $1,884 $2,268
Farmers $1,483 $1,511 $1,327 $1,449 $4,490 $4,788 $2,009 $2,153
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,081 $2,257 $1,832 $2,225 $10,185 $11,460 $2,358 $2,599
Nationwide $1,699 $1,748 $1,512 $1,619 $3,814 $4,957 $1,912 $2,085
Progressive $1,595 $1,532 $1,316 $1,366 $3,975 $4,482 $1,919 $2,076
State Farm $1,390 $1,390 $1,218 $1,218 $3,723 $4,722 $1,562 $1,780
Travelers $2,320 $2,368 $2,250 $2,257 $10,184 $16,171 $2,415 $2,861
USAA $1,234 $1,249 $1,130 $1,155 $3,311 $3,520 $1,482 $1,637

Cheap Garwin, Iowa Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Garwin, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,368 $6,054
American Family $5,028 $7,049
Farmers $4,490 $4,788
GEICO $4,328 $4,022
Liberty Mutual $10,185 $11,460
Nationwide $3,814 $4,957
Progressive $3,975 $4,482
State Farm $3,723 $4,722
Travelers $10,184 $16,171
USAA $3,311 $3,520

Cheap Garwin, Iowa Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Garwin, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,644 $1,672
American Family $1,686 $1,686
Farmers $1,327 $1,449
GEICO $1,710 $1,564
Liberty Mutual $1,832 $2,225
Nationwide $1,512 $1,619
Progressive $1,316 $1,366
State Farm $1,218 $1,218
Travelers $2,250 $2,257
USAA $1,130 $1,155

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

Annual Garwin, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,378 $2,880 $3,288 $2,664
American Family $2,108 $3,092 $4,006 $2,478
Farmers $2,047 $2,538 $2,573 $2,447
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,778 $4,676 $4,765 $4,279
Nationwide $1,744 $2,515 $3,438 $1,976
Progressive $1,834 $3,012 $1,990 $2,295
State Farm $1,970 $2,281 $2,125 $2,125
Travelers $3,726 $4,962 $6,631 $5,094
USAA $1,407 $1,885 $2,453 $1,615

Cheap Garwin, Iowa Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Garwin, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,288
American Family $4,006
Farmers $2,573
GEICO $3,206
Liberty Mutual $4,765
Nationwide $3,438
Progressive $1,990
State Farm $2,125
Travelers $6,631
USAA $2,453

Cheap Garwin, Iowa Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Garwin, Iowa

Insurance Company Poor Fair Good
Allstate $3,348 $2,662 $2,398
American Family $3,724 $2,737 $2,301
Farmers $2,752 $2,286 $2,166
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,233 $3,856 $3,034
Nationwide $2,944 $2,296 $2,015
Progressive $2,692 $2,180 $1,976
State Farm $3,026 $1,873 $1,477
Travelers $5,741 $4,900 $4,668
USAA $2,421 $1,661 $1,438

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Cheap Garwin, Iowa Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Garwin, Iowa

ZIP Code Average Annual Rates
50632 $2,410

Cheap Garwin, Iowa Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Garwin, Iowa

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $2,736 $2,869
American Family $2,887 $2,955
Farmers $2,401 $2,401
GEICO $2,294 $2,387
Liberty Mutual $4,374 $4,374
Nationwide $2,418 $2,418
Progressive $2,283 $2,283
State Farm $2,075 $2,176
Travelers $5,103 $5,103
USAA $1,773 $1,907

Cheap Garwin, Iowa Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Garwin, Iowa

Insurance Company Low Medium High
Allstate $2,709 $2,806 $2,894
American Family $2,933 $3,084 $2,747
Farmers $2,304 $2,409 $2,490
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,199 $4,367 $4,557
Nationwide $2,531 $2,401 $2,323
Progressive $2,154 $2,291 $2,402
State Farm $2,029 $2,136 $2,211
Travelers $4,826 $5,179 $5,305
USAA $1,749 $1,845 $1,925

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Best By Category: Cheapest Auto Insurance in Garwin, Iowa

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

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

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

Average Annual Auto Insurance Rates by Company in Garwin, Iowa

Insurance Company Average Annual Rates
Allstate $2,803
American Family $2,921
Farmers $2,401
GEICO $2,341
Liberty Mutual $4,374
Nationwide $2,418
Progressive $2,283
State Farm $2,125
Travelers $5,103
USAA $1,840

What affects auto insurance rates in Garwin, Iowa?

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

Garwin Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Garwin, Iowa commute length is 21.6 minutes according to City-Data.

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Compare Garwin, Iowa Auto Insurance Quotes

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