Best Cheap Auto Insurance in Waterloo, IA (2021)

The average Waterloo, IA auto insurance rates are $247 per month. The minimum auto insurance in Waterloo is at least 20/40/15 in coverage to comply with Iowa auto insurance laws. To find the best cheap auto insurance in Waterloo, 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: Jul 16, 2021

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Things to Remember

  • Average auto insurance rates in Waterloo, IA for senior drivers are $1,632 per year
  • The cheapest auto insurance company in Waterloo is USAA
  • The minimum auto insurance required in Waterloo, Iowa is 20/40/15

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

Compare auto insurance in Waterloo to other Iowa cities, including Waterloo auto insurance rates, Ames auto insurance rates, and Iowa City auto insurance rates to see how Waterloo, Iowa auto insurance rates stack up.

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

Minimum Auto Insurance in Waterloo, Iowa

Waterloo, 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 Waterloo, Iowa.

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

Auto insurance rates in Waterloo, 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 Waterloo, 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 $1,875 $1,795 $1,671 $1,700 $5,498 $6,204 $2,033 $2,088
American Family $1,836 $1,836 $1,649 $1,649 $5,021 $6,970 $1,836 $2,202
Farmers $1,449 $1,478 $1,297 $1,423 $4,444 $4,747 $1,967 $2,095
GEICO $2,101 $1,886 $1,928 $1,782 $4,954 $4,599 $1,950 $1,786
Liberty Mutual $1,820 $1,968 $1,617 $1,962 $9,375 $10,542 $2,061 $2,265
Nationwide $1,741 $1,778 $1,556 $1,650 $4,172 $5,353 $1,990 $2,154
Progressive $1,847 $1,771 $1,528 $1,582 $4,696 $5,294 $2,227 $2,413
State Farm $1,469 $1,469 $1,319 $1,319 $4,415 $5,541 $1,662 $1,921
Travelers $2,416 $2,459 $2,384 $2,384 $11,364 $18,182 $2,529 $2,925
USAA $1,209 $1,219 $1,113 $1,129 $3,327 $3,521 $1,448 $1,596

Cheap Waterloo, Iowa Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Waterloo, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,498 $6,204
American Family $5,021 $6,970
Farmers $4,444 $4,747
GEICO $4,954 $4,599
Liberty Mutual $9,375 $10,542
Nationwide $4,172 $5,353
Progressive $4,696 $5,294
State Farm $4,415 $5,541
Travelers $11,364 $18,182
USAA $3,327 $3,521

Cheap Waterloo, Iowa Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Waterloo, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,671 $1,700
American Family $1,649 $1,649
Farmers $1,297 $1,423
GEICO $1,928 $1,782
Liberty Mutual $1,617 $1,962
Nationwide $1,556 $1,650
Progressive $1,528 $1,582
State Farm $1,319 $1,319
Travelers $2,384 $2,384
USAA $1,113 $1,129

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

Annual Waterloo, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,422 $2,942 $3,354 $2,714
American Family $2,076 $3,045 $3,942 $2,437
Farmers $2,014 $2,496 $2,536 $2,404
GEICO $1,937 $2,778 $3,701 $2,079
Liberty Mutual $3,407 $4,235 $4,295 $3,867
Nationwide $1,860 $2,650 $3,591 $2,096
Progressive $2,140 $3,536 $2,323 $2,680
State Farm $2,183 $2,595 $2,389 $2,389
Travelers $4,039 $5,436 $7,299 $5,548
USAA $1,388 $1,868 $2,430 $1,595

Cheap Waterloo, Iowa Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Waterloo, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,354
American Family $3,942
Farmers $2,536
GEICO $3,701
Liberty Mutual $4,295
Nationwide $3,591
Progressive $2,323
State Farm $2,389
Travelers $7,299
USAA $2,430

Cheap Waterloo, Iowa Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Waterloo, Iowa

Insurance Company Poor Fair Good
Allstate $3,415 $2,715 $2,443
American Family $3,662 $2,691 $2,271
Farmers $2,709 $2,249 $2,129
GEICO $3,156 $2,623 $2,091
Liberty Mutual $5,610 $3,496 $2,748
Nationwide $3,084 $2,436 $2,129
Progressive $3,140 $2,552 $2,318
State Farm $3,403 $2,105 $1,660
Travelers $6,254 $5,366 $5,121
USAA $2,388 $1,646 $1,427

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Cheap Waterloo, Iowa Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Waterloo, Iowa

ZIP Code Average Annual Rates
50701 $2,491
50702 $2,563
50703 $2,491
50707 $2,414

Cheap Waterloo, Iowa Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Waterloo, Iowa

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $2,790 $2,926
American Family $2,841 $2,908
Farmers $2,362 $2,362
GEICO $2,578 $2,669
Liberty Mutual $3,951 $3,951
Nationwide $2,549 $2,549
Progressive $2,670 $2,670
State Farm $2,332 $2,447
Travelers $5,580 $5,580
USAA $1,754 $1,886

Cheap Waterloo, Iowa Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Waterloo, Iowa

Insurance Company Low Medium High
Allstate $2,739 $2,862 $2,973
American Family $2,865 $3,036 $2,723
Farmers $2,255 $2,370 $2,462
GEICO $2,460 $2,625 $2,786
Liberty Mutual $3,781 $3,944 $4,128
Nationwide $2,640 $2,546 $2,462
Progressive $2,524 $2,682 $2,803
State Farm $2,252 $2,406 $2,509
Travelers $5,217 $5,667 $5,858
USAA $1,726 $1,826 $1,908

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Best By Category: Cheapest Auto Insurance in Waterloo, Iowa

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

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

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

Average Annual Auto Insurance Rates by Company in Waterloo, Iowa

Insurance Company Average Annual Rates
Allstate $2,858
American Family $2,875
Farmers $2,362
GEICO $2,623
Liberty Mutual $3,951
Nationwide $2,549
Progressive $2,670
State Farm $2,389
Travelers $5,580
USAA $1,820

What affects auto insurance rates in Waterloo, Iowa?

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

Waterloo Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Waterloo, Iowa commute length is 16.1 minutes according to City-Data.

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Compare Waterloo, Iowa Auto Insurance Quotes

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