Best Cheap Auto Insurance in Luzerne, IA (2021)

The average Luzerne, IA auto insurance rates are $248 per month. The minimum auto insurance in Luzerne is at least 20/40/15 in coverage to comply with Iowa auto insurance laws. To find the best cheap auto insurance in Luzerne, Iowa, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The average commute length in Luzerne is 26.4 minutes
  • The most expensive auto insurance company in Luzerne for teen drivers is Travelers
  • The cheapest auto insurance company in Luzerne is USAA

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

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

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

Minimum Auto Insurance in Luzerne, Iowa

Luzerne, 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 Luzerne, Iowa.

Minimum Required Auto Insurance Coverage in Luzerne, 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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Luzerne, Iowa Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Luzerne, 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 Luzerne, 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 $1,981 $1,912 $1,750 $1,783 $5,556 $6,229 $2,173 $2,243
American Family $2,025 $2,025 $1,810 $1,810 $5,387 $7,569 $2,025 $2,442
Farmers $1,448 $1,476 $1,298 $1,418 $4,354 $4,641 $1,958 $2,091
GEICO $1,893 $1,693 $1,696 $1,552 $4,278 $3,972 $1,787 $1,651
Liberty Mutual $1,979 $2,144 $1,748 $2,124 $9,884 $11,119 $2,243 $2,467
Nationwide $1,722 $1,764 $1,537 $1,636 $4,030 $5,193 $1,957 $2,124
Progressive $1,647 $1,582 $1,357 $1,409 $4,132 $4,660 $1,984 $2,154
State Farm $1,526 $1,526 $1,337 $1,337 $4,075 $5,178 $1,714 $1,946
Travelers $2,549 $2,597 $2,498 $2,501 $11,700 $18,665 $2,663 $3,111
USAA $1,234 $1,249 $1,130 $1,155 $3,311 $3,520 $1,482 $1,637

Cheap Luzerne, Iowa Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Luzerne, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,556 $6,229
American Family $5,387 $7,569
Farmers $4,354 $4,641
GEICO $4,278 $3,972
Liberty Mutual $9,884 $11,119
Nationwide $4,030 $5,193
Progressive $4,132 $4,660
State Farm $4,075 $5,178
Travelers $11,700 $18,665
USAA $3,311 $3,520

Cheap Luzerne, Iowa Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Luzerne, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,750 $1,783
American Family $1,810 $1,810
Farmers $1,298 $1,418
GEICO $1,696 $1,552
Liberty Mutual $1,748 $2,124
Nationwide $1,537 $1,636
Progressive $1,357 $1,409
State Farm $1,337 $1,337
Travelers $2,498 $2,501
USAA $1,130 $1,155

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

Annual Luzerne, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,526 $3,041 $3,435 $2,811
American Family $2,265 $3,311 $4,306 $2,664
Farmers $1,989 $2,468 $2,507 $2,378
GEICO $1,756 $2,451 $3,170 $1,884
Liberty Mutual $3,637 $4,509 $4,586 $4,123
Nationwide $1,813 $2,594 $3,526 $2,048
Progressive $1,900 $3,126 $2,060 $2,378
State Farm $2,160 $2,499 $2,330 $2,330
Travelers $4,199 $5,632 $7,551 $5,761
USAA $1,407 $1,885 $2,453 $1,615

Cheap Luzerne, Iowa Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Luzerne, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,435
American Family $4,306
Farmers $2,507
GEICO $3,170
Liberty Mutual $4,586
Nationwide $3,526
Progressive $2,060
State Farm $2,330
Travelers $7,551
USAA $2,453

Cheap Luzerne, Iowa Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Luzerne, Iowa

Insurance Company Poor Fair Good
Allstate $3,530 $2,808 $2,522
American Family $4,001 $2,940 $2,468
Farmers $2,682 $2,221 $2,104
GEICO $2,783 $2,315 $1,848
Liberty Mutual $5,992 $3,721 $2,928
Nationwide $3,026 $2,378 $2,082
Progressive $2,789 $2,259 $2,049
State Farm $3,318 $2,052 $1,618
Travelers $6,493 $5,560 $5,303
USAA $2,421 $1,661 $1,438

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Luzerne, Iowa Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Luzerne, Iowa

ZIP Code Average Annual Rates
52257 $2,518

Cheap Luzerne, Iowa Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Luzerne, Iowa

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $2,883 $3,024
American Family $3,100 $3,173
Farmers $2,336 $2,336
GEICO $2,269 $2,362
Liberty Mutual $4,214 $4,214
Nationwide $2,495 $2,495
Progressive $2,366 $2,366
State Farm $2,273 $2,386
Travelers $5,785 $5,785
USAA $1,773 $1,907

Cheap Luzerne, Iowa Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Luzerne, Iowa

Insurance Company Low Medium High
Allstate $2,860 $2,957 $3,044
American Family $3,158 $3,310 $2,941
Farmers $2,233 $2,343 $2,431
GEICO $2,192 $2,316 $2,437
Liberty Mutual $4,040 $4,207 $4,394
Nationwide $2,594 $2,487 $2,405
Progressive $2,244 $2,374 $2,479
State Farm $2,217 $2,343 $2,429
Travelers $5,437 $5,873 $6,046
USAA $1,749 $1,845 $1,925

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Luzerne, Iowa

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

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

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

Average Annual Auto Insurance Rates by Company in Luzerne, Iowa

Insurance Company Average Annual Rates
Allstate $2,953
American Family $3,137
Farmers $2,336
GEICO $2,315
Liberty Mutual $4,214
Nationwide $2,495
Progressive $2,366
State Farm $2,330
Travelers $5,785
USAA $1,840

What affects auto insurance rates in Luzerne, Iowa?

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

Luzerne Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Luzerne, Iowa commute length is 26.4 minutes according to City-Data.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Compare Luzerne, Iowa Auto Insurance Quotes

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption