Best Cheap Auto Insurance in Spirit Lake, IA (2021)

The average Spirit Lake, IA auto insurance rates are $244 per month. The minimum auto insurance in Spirit Lake is at least 20/40/15 in coverage to comply with Iowa auto insurance laws. To find the best cheap auto insurance in Spirit Lake, Iowa, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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.

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 minimum auto insurance required in Spirit Lake, Iowa is 20/40/15
  • Average auto insurance rates in Spirit Lake, IA for senior drivers are $1,619 per year
  • The most expensive auto insurance company in Spirit Lake for teen drivers is Travelers

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

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

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

Minimum Auto Insurance in Spirit Lake, Iowa

Spirit Lake, 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 Spirit Lake, Iowa.

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

Auto insurance rates in Spirit Lake, 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 Spirit Lake, 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 $1,863 $1,863 $1,667 $1,667 $4,980 $6,977 $1,863 $2,242
Farmers $1,478 $1,506 $1,324 $1,444 $4,449 $4,739 $2,000 $2,144
GEICO $1,821 $1,640 $1,620 $1,483 $4,142 $3,866 $1,733 $1,612
Liberty Mutual $2,233 $2,424 $1,972 $2,401 $11,030 $12,421 $2,532 $2,787
Nationwide $1,725 $1,767 $1,539 $1,639 $4,031 $5,198 $1,960 $2,127
Progressive $1,465 $1,404 $1,208 $1,255 $3,679 $4,146 $1,760 $1,904
State Farm $1,424 $1,424 $1,255 $1,255 $3,906 $4,950 $1,601 $1,824
Travelers $2,364 $2,413 $2,295 $2,303 $10,512 $16,825 $2,456 $2,899
USAA $1,169 $1,184 $1,073 $1,096 $3,110 $3,307 $1,402 $1,549

Cheap Spirit Lake, Iowa Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Spirit Lake, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,294 $7,089
American Family $4,980 $6,977
Farmers $4,449 $4,739
GEICO $4,142 $3,866
Liberty Mutual $11,030 $12,421
Nationwide $4,031 $5,198
Progressive $3,679 $4,146
State Farm $3,906 $4,950
Travelers $10,512 $16,825
USAA $3,110 $3,307

Cheap Spirit Lake, Iowa Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Spirit Lake, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,920 $1,954
American Family $1,667 $1,667
Farmers $1,324 $1,444
GEICO $1,620 $1,483
Liberty Mutual $1,972 $2,401
Nationwide $1,539 $1,639
Progressive $1,208 $1,255
State Farm $1,255 $1,255
Travelers $2,295 $2,303
USAA $1,073 $1,096

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

Annual Spirit Lake, 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 $2,086 $3,061 $3,963 $2,452
Farmers $2,033 $2,522 $2,558 $2,430
GEICO $1,702 $2,373 $3,058 $1,826
Liberty Mutual $4,077 $5,055 $5,147 $4,622
Nationwide $1,814 $2,597 $3,532 $2,050
Progressive $1,689 $2,776 $1,833 $2,112
State Farm $2,038 $2,372 $2,205 $2,205
Travelers $3,838 $5,108 $6,840 $5,247
USAA $1,329 $1,780 $2,313 $1,524

Cheap Spirit Lake, Iowa Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Spirit Lake, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,843
American Family $3,963
Farmers $2,558
GEICO $3,058
Liberty Mutual $5,147
Nationwide $3,532
Progressive $1,833
State Farm $2,205
Travelers $6,840
USAA $2,313

Cheap Spirit Lake, Iowa Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Spirit Lake, Iowa

Insurance Company Poor Fair Good
Allstate $3,929 $3,118 $2,800
American Family $3,685 $2,709 $2,278
Farmers $2,736 $2,270 $2,151
GEICO $2,691 $2,240 $1,788
Liberty Mutual $6,730 $4,167 $3,278
Nationwide $3,030 $2,381 $2,085
Progressive $2,478 $2,008 $1,822
State Farm $3,140 $1,943 $1,532
Travelers $5,914 $5,049 $4,812
USAA $2,283 $1,568 $1,358

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Spirit Lake, Iowa Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Spirit Lake, Iowa

ZIP Code Average Annual Rates
51360 $2,471

Cheap Spirit Lake, Iowa Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Spirit Lake, Iowa

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,204 $3,361
American Family $2,857 $2,924
Farmers $2,386 $2,386
GEICO $2,195 $2,285
Liberty Mutual $4,725 $4,725
Nationwide $2,498 $2,498
Progressive $2,103 $2,103
State Farm $2,151 $2,258
Travelers $5,258 $5,258
USAA $1,673 $1,800

Cheap Spirit Lake, Iowa Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Spirit Lake, Iowa

Insurance Company Low Medium High
Allstate $3,145 $3,287 $3,416
American Family $2,899 $3,051 $2,721
Farmers $2,288 $2,393 $2,476
GEICO $2,141 $2,240 $2,338
Liberty Mutual $4,523 $4,715 $4,937
Nationwide $2,595 $2,490 $2,410
Progressive $1,985 $2,111 $2,213
State Farm $2,091 $2,218 $2,305
Travelers $4,920 $5,340 $5,515
USAA $1,644 $1,742 $1,823

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 Spirit Lake, Iowa

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

Best Annual Auto Insurance Rates by Company in Spirit Lake, 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 Spirit Lake, Iowa Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Spirit Lake, Iowa

Insurance Company Average Annual Rates
Allstate $3,282
American Family $2,890
Farmers $2,386
GEICO $2,240
Liberty Mutual $4,725
Nationwide $2,498
Progressive $2,103
State Farm $2,205
Travelers $5,258
USAA $1,736

What affects auto insurance rates in Spirit Lake, Iowa?

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

Spirit Lake Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Spirit Lake, Iowa commute length is 12.6 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 Spirit Lake, Iowa Auto Insurance Quotes

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