Best Cheap Auto Insurance in Ogden, IA (2021)

The average Ogden, IA auto insurance rates are $243 per month. The minimum auto insurance in Ogden is at least 20/40/15 in coverage to comply with Iowa auto insurance laws. To find the best cheap auto insurance in Ogden, 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 most expensive auto insurance company in Ogden for teen drivers is Travelers
  • The minimum auto insurance required in Ogden, Iowa is 20/40/15
  • Average auto insurance rates in Ogden, IA for senior drivers are $1,615 per year

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

Compare auto insurance in Ogden to other Iowa cities, including Council Bluffs auto insurance rates, Cedar Rapids auto insurance rates, and Ankeny auto insurance rates to see how Ogden, Iowa auto insurance rates stack up.

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

Minimum Auto Insurance in Ogden, Iowa

Ogden, 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 Ogden, Iowa.

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

Auto insurance rates in Ogden, 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 Ogden, 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 $1,924 $1,844 $1,711 $1,739 $5,620 $6,347 $2,091 $2,157
American Family $1,805 $1,805 $1,619 $1,619 $4,877 $6,801 $1,805 $2,168
Farmers $1,546 $1,575 $1,383 $1,513 $4,711 $5,019 $2,094 $2,240
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,079 $2,258 $1,831 $2,225 $10,064 $11,330 $2,356 $2,597
Nationwide $1,814 $1,858 $1,617 $1,722 $4,260 $5,495 $2,063 $2,240
Progressive $1,624 $1,561 $1,338 $1,390 $4,031 $4,549 $1,953 $2,115
State Farm $1,424 $1,424 $1,253 $1,253 $3,899 $4,937 $1,602 $1,829
Travelers $2,355 $2,401 $2,298 $2,301 $10,598 $16,895 $2,454 $2,885
USAA $1,187 $1,203 $1,089 $1,114 $3,145 $3,347 $1,424 $1,574

Cheap Ogden, Iowa Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Ogden, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,620 $6,347
American Family $4,877 $6,801
Farmers $4,711 $5,019
GEICO $4,328 $4,022
Liberty Mutual $10,064 $11,330
Nationwide $4,260 $5,495
Progressive $4,031 $4,549
State Farm $3,899 $4,937
Travelers $10,598 $16,895
USAA $3,145 $3,347

Cheap Ogden, Iowa Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Ogden, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,711 $1,739
American Family $1,619 $1,619
Farmers $1,383 $1,513
GEICO $1,710 $1,564
Liberty Mutual $1,831 $2,225
Nationwide $1,617 $1,722
Progressive $1,338 $1,390
State Farm $1,253 $1,253
Travelers $2,298 $2,301
USAA $1,089 $1,114

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

Annual Ogden, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,481 $3,009 $3,443 $2,783
American Family $2,030 $2,981 $3,855 $2,384
Farmers $2,137 $2,655 $2,697 $2,551
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,751 $4,641 $4,732 $4,247
Nationwide $1,910 $2,738 $3,727 $2,159
Progressive $1,864 $3,061 $2,023 $2,334
State Farm $2,036 $2,369 $2,203 $2,203
Travelers $3,837 $5,128 $6,871 $5,258
USAA $1,347 $1,806 $2,344 $1,545

Cheap Ogden, Iowa Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Ogden, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,443
American Family $3,855
Farmers $2,697
GEICO $3,206
Liberty Mutual $4,732
Nationwide $3,727
Progressive $2,023
State Farm $2,203
Travelers $6,871
USAA $2,344

Cheap Ogden, Iowa Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Ogden, Iowa

Insurance Company Poor Fair Good
Allstate $3,503 $2,779 $2,505
American Family $3,584 $2,634 $2,219
Farmers $2,880 $2,389 $2,262
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,190 $3,825 $3,012
Nationwide $3,195 $2,510 $2,196
Progressive $2,738 $2,215 $2,008
State Farm $3,137 $1,940 $1,530
Travelers $5,925 $5,066 $4,829
USAA $2,314 $1,590 $1,377

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Cheap Ogden, Iowa Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Ogden, Iowa

ZIP Code Average Annual Rates
50212 $2,458

Cheap Ogden, Iowa Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Ogden, Iowa

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $2,859 $2,999
American Family $2,780 $2,845
Farmers $2,510 $2,510
GEICO $2,294 $2,387
Liberty Mutual $4,343 $4,343
Nationwide $2,634 $2,634
Progressive $2,320 $2,320
State Farm $2,150 $2,255
Travelers $5,273 $5,273
USAA $1,696 $1,825

Cheap Ogden, Iowa Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Ogden, Iowa

Insurance Company Low Medium High
Allstate $2,836 $2,932 $3,019
American Family $2,810 $2,970 $2,657
Farmers $2,401 $2,518 $2,611
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,163 $4,334 $4,531
Nationwide $2,743 $2,624 $2,534
Progressive $2,188 $2,328 $2,445
State Farm $2,095 $2,215 $2,297
Travelers $4,961 $5,353 $5,507
USAA $1,663 $1,767 $1,852

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Best By Category: Cheapest Auto Insurance in Ogden, Iowa

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

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

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

Average Annual Auto Insurance Rates by Company in Ogden, Iowa

Insurance Company Average Annual Rates
Allstate $2,929
American Family $2,812
Farmers $2,510
GEICO $2,341
Liberty Mutual $4,343
Nationwide $2,634
Progressive $2,320
State Farm $2,203
Travelers $5,273
USAA $1,760

What affects auto insurance rates in Ogden, Iowa?

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

Ogden Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Ogden, Iowa commute length is 26.2 minutes according to City-Data.

Ogden Traffic

How does Ogden, Iowa rank for traffic? According to Inrix Ogden, Iowa is the 931st most congested worldwide.

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Compare Ogden, Iowa Auto Insurance Quotes

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