Best Cheap Auto Insurance in Oto, IA (2021)

The average Oto, IA auto insurance rates are $254 per month. The minimum auto insurance in Oto is at least 20/40/15 in coverage to comply with Iowa auto insurance laws. To find the best cheap auto insurance in Oto, 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: May 17, 2021

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Things to Remember

  • The average commute length in Oto is 42.1 minutes
  • The cheapest auto insurance company in Oto is USAA
  • The minimum auto insurance required in Oto, Iowa is 20/40/15

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

Compare auto insurance in Oto to other Iowa cities, including Iowa City auto insurance rates, Des Moines auto insurance rates, and Sioux City auto insurance rates to see how Oto, Iowa auto insurance rates stack up.

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

Minimum Auto Insurance in Oto, Iowa

Oto, 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 Oto, Iowa.

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

Auto insurance rates in Oto, 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 Oto, 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 $2,073 $1,920 $1,954 $6,294 $7,089 $2,351 $2,417
American Family $2,007 $2,007 $1,794 $1,794 $5,350 $7,510 $2,007 $2,417
Farmers $1,510 $1,539 $1,351 $1,477 $4,580 $4,887 $2,048 $2,192
GEICO $1,821 $1,640 $1,620 $1,483 $4,142 $3,866 $1,733 $1,612
Liberty Mutual $2,146 $2,333 $1,886 $2,294 $10,198 $11,487 $2,431 $2,684
Nationwide $1,767 $1,813 $1,576 $1,681 $4,074 $5,270 $2,002 $2,177
Progressive $1,874 $1,802 $1,539 $1,602 $4,669 $5,273 $2,257 $2,455
State Farm $1,326 $1,326 $1,174 $1,174 $3,715 $4,698 $1,494 $1,706
Travelers $2,572 $2,626 $2,495 $2,504 $11,418 $18,259 $2,672 $3,163
USAA $1,307 $1,321 $1,199 $1,222 $3,562 $3,781 $1,570 $1,735

Cheap Oto, Iowa Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Oto, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,294 $7,089
American Family $5,350 $7,510
Farmers $4,580 $4,887
GEICO $4,142 $3,866
Liberty Mutual $10,198 $11,487
Nationwide $4,074 $5,270
Progressive $4,669 $5,273
State Farm $3,715 $4,698
Travelers $11,418 $18,259
USAA $3,562 $3,781

Cheap Oto, Iowa Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Oto, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,920 $1,954
American Family $1,794 $1,794
Farmers $1,351 $1,477
GEICO $1,620 $1,483
Liberty Mutual $1,886 $2,294
Nationwide $1,576 $1,681
Progressive $1,539 $1,602
State Farm $1,174 $1,174
Travelers $2,495 $2,504
USAA $1,199 $1,222

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

Annual Oto, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,787 $3,381 $3,843 $3,118
American Family $2,246 $3,285 $4,270 $2,641
Farmers $2,088 $2,586 $2,622 $2,496
GEICO $1,702 $2,373 $3,058 $1,826
Liberty Mutual $3,829 $4,733 $4,834 $4,333
Nationwide $1,842 $2,646 $3,608 $2,084
Progressive $2,154 $3,544 $2,336 $2,701
State Farm $1,914 $2,239 $2,077 $2,077
Travelers $4,168 $5,549 $7,434 $5,704
USAA $1,496 $2,015 $2,619 $1,719

Cheap Oto, Iowa Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Oto, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,843
American Family $4,270
Farmers $2,622
GEICO $3,058
Liberty Mutual $4,834
Nationwide $3,608
Progressive $2,336
State Farm $2,077
Travelers $7,434
USAA $2,619

Cheap Oto, Iowa Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Oto, Iowa

Insurance Company Poor Fair Good
Allstate $3,929 $3,118 $2,800
American Family $3,968 $2,914 $2,450
Farmers $2,805 $2,331 $2,208
GEICO $2,691 $2,240 $1,788
Liberty Mutual $6,328 $3,898 $3,070
Nationwide $3,089 $2,422 $2,124
Progressive $3,167 $2,561 $2,323
State Farm $2,957 $1,830 $1,443
Travelers $6,428 $5,486 $5,227
USAA $2,578 $1,773 $1,536

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Cheap Oto, Iowa Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Oto, Iowa

ZIP Code Average Annual Rates
51044 $2,581

Cheap Oto, Iowa Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Oto, Iowa

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,204 $3,361
American Family $3,074 $3,147
Farmers $2,448 $2,448
GEICO $2,195 $2,285
Liberty Mutual $4,432 $4,432
Nationwide $2,545 $2,545
Progressive $2,684 $2,684
State Farm $2,026 $2,127
Travelers $5,714 $5,714
USAA $1,891 $2,034

Cheap Oto, Iowa Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Oto, Iowa

Insurance Company Low Medium High
Allstate $3,145 $3,287 $3,416
American Family $3,123 $3,284 $2,925
Farmers $2,348 $2,456 $2,540
GEICO $2,141 $2,240 $2,338
Liberty Mutual $4,248 $4,422 $4,626
Nationwide $2,640 $2,537 $2,458
Progressive $2,543 $2,690 $2,818
State Farm $1,964 $2,090 $2,176
Travelers $5,357 $5,802 $5,983
USAA $1,859 $1,969 $2,059

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Best By Category: Cheapest Auto Insurance in Oto, Iowa

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

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

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

Average Annual Auto Insurance Rates by Company in Oto, Iowa

Insurance Company Average Annual Rates
Allstate $3,282
American Family $3,111
Farmers $2,448
GEICO $2,240
Liberty Mutual $4,432
Nationwide $2,545
Progressive $2,684
State Farm $2,077
Travelers $5,714
USAA $1,962

What affects auto insurance rates in Oto, Iowa?

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

Oto Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Oto, Iowa commute length is 42.1 minutes according to City-Data.

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Compare Oto, Iowa Auto Insurance Quotes

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