Best Cheap Auto Insurance in Thayer, IA (2021)

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

  • Average auto insurance rates in Thayer, IA for senior drivers are $1,706 per year
  • The average commute length in Thayer is 42.9 minutes
  • The most expensive auto insurance company in Thayer for teen drivers is Travelers

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

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

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

Minimum Auto Insurance in Thayer, Iowa

Thayer, 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 Thayer, Iowa.

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

Auto insurance rates in Thayer, 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 Thayer, 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 $2,094 $2,011 $1,856 $1,890 $6,060 $6,823 $2,285 $2,354
American Family $2,109 $2,109 $1,882 $1,882 $5,561 $7,845 $2,109 $2,546
Farmers $1,506 $1,534 $1,351 $1,474 $4,505 $4,797 $2,033 $2,173
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,144 $2,331 $1,875 $2,277 $10,031 $11,292 $2,430 $2,686
Nationwide $1,889 $1,946 $1,678 $1,800 $4,257 $5,545 $2,128 $2,323
Progressive $1,860 $1,808 $1,530 $1,584 $4,293 $4,861 $2,243 $2,425
State Farm $1,447 $1,447 $1,269 $1,269 $3,891 $4,937 $1,626 $1,851
Travelers $2,530 $2,586 $2,439 $2,449 $10,964 $17,435 $2,626 $3,139
USAA $1,264 $1,289 $1,153 $1,189 $3,266 $3,496 $1,524 $1,691

Cheap Thayer, Iowa Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Thayer, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,060 $6,823
American Family $5,561 $7,845
Farmers $4,505 $4,797
GEICO $4,328 $4,022
Liberty Mutual $10,031 $11,292
Nationwide $4,257 $5,545
Progressive $4,293 $4,861
State Farm $3,891 $4,937
Travelers $10,964 $17,435
USAA $3,266 $3,496

Cheap Thayer, Iowa Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Thayer, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,856 $1,890
American Family $1,882 $1,882
Farmers $1,351 $1,474
GEICO $1,710 $1,564
Liberty Mutual $1,875 $2,277
Nationwide $1,678 $1,800
Progressive $1,530 $1,584
State Farm $1,269 $1,269
Travelers $2,439 $2,449
USAA $1,153 $1,189

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

Annual Thayer, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,694 $3,269 $3,710 $3,013
American Family $2,351 $3,433 $4,471 $2,766
Farmers $2,061 $2,560 $2,601 $2,465
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,791 $4,675 $4,783 $4,285
Nationwide $1,937 $2,804 $3,844 $2,199
Progressive $2,079 $3,367 $2,250 $2,605
State Farm $2,054 $2,380 $2,217 $2,217
Travelers $4,036 $5,362 $7,169 $5,517
USAA $1,427 $1,901 $2,473 $1,635

Cheap Thayer, Iowa Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Thayer, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,710
American Family $4,471
Farmers $2,601
GEICO $3,206
Liberty Mutual $4,783
Nationwide $3,844
Progressive $2,250
State Farm $2,217
Travelers $7,169
USAA $2,473

Cheap Thayer, Iowa Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Thayer, Iowa

Insurance Company Poor Fair Good
Allstate $3,795 $3,014 $2,706
American Family $4,155 $3,051 $2,560
Farmers $2,783 $2,302 $2,180
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,265 $3,851 $3,035
Nationwide $3,286 $2,558 $2,244
Progressive $3,067 $2,450 $2,209
State Farm $3,157 $1,953 $1,541
Travelers $6,218 $5,299 $5,046
USAA $2,454 $1,675 $1,447

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Cheap Thayer, Iowa Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Thayer, Iowa

ZIP Code Average Annual Rates
50254 $2,564

Cheap Thayer, Iowa Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Thayer, Iowa

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,096 $3,247
American Family $3,217 $3,293
Farmers $2,422 $2,422
GEICO $2,294 $2,387
Liberty Mutual $4,383 $4,383
Nationwide $2,696 $2,696
Progressive $2,575 $2,575
State Farm $2,164 $2,270
Travelers $5,521 $5,521
USAA $1,791 $1,927

Cheap Thayer, Iowa Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Thayer, Iowa

Insurance Company Low Medium High
Allstate $3,041 $3,177 $3,297
American Family $3,283 $3,436 $3,048
Farmers $2,314 $2,429 $2,522
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,218 $4,376 $4,557
Nationwide $2,832 $2,676 $2,580
Progressive $2,452 $2,581 $2,693
State Farm $2,111 $2,229 $2,311
Travelers $5,230 $5,602 $5,731
USAA $1,768 $1,864 $1,944

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Best By Category: Cheapest Auto Insurance in Thayer, Iowa

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

Best Annual Auto Insurance Rates by Company in Thayer, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Thayer, Iowa Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Thayer, Iowa

Insurance Company Average Annual Rates
Allstate $3,171
American Family $3,255
Farmers $2,422
GEICO $2,341
Liberty Mutual $4,383
Nationwide $2,696
Progressive $2,575
State Farm $2,217
Travelers $5,521
USAA $1,859

What affects auto insurance rates in Thayer, Iowa?

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

Thayer Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Thayer, Iowa commute length is 42.9 minutes according to City-Data.

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Compare Thayer, Iowa Auto Insurance Quotes

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