Best Cheap Auto Insurance in Waterville, IA (2021)

The average Waterville, IA auto insurance rates are $243 per month. The minimum auto insurance in Waterville is at least 20/40/15 in coverage to comply with Iowa auto insurance laws. To find the best cheap auto insurance in Waterville, 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 Waterville, IA for senior drivers are $1,640 per year
  • The most expensive auto insurance company in Waterville for teen drivers is Travelers
  • The minimum auto insurance required in Waterville, Iowa is 20/40/15

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

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

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

Minimum Auto Insurance in Waterville, Iowa

Waterville, 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 Waterville, Iowa.

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

Auto insurance rates in Waterville, 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 Waterville, 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 $1,930 $1,860 $1,707 $1,739 $5,435 $6,101 $2,114 $2,182
American Family $2,116 $2,116 $1,889 $1,889 $5,602 $7,889 $2,116 $2,553
Farmers $1,483 $1,511 $1,327 $1,449 $4,490 $4,788 $2,009 $2,153
GEICO $1,893 $1,693 $1,696 $1,552 $4,278 $3,972 $1,787 $1,651
Liberty Mutual $2,159 $2,345 $1,894 $2,301 $10,316 $11,611 $2,447 $2,702
Nationwide $1,872 $1,931 $1,662 $1,786 $4,168 $5,439 $2,103 $2,299
Progressive $1,869 $1,813 $1,538 $1,591 $4,399 $4,979 $2,255 $2,444
State Farm $1,431 $1,431 $1,254 $1,254 $3,825 $4,856 $1,608 $1,828
Travelers $2,057 $2,102 $1,980 $1,990 $8,809 $14,021 $2,133 $2,546
USAA $1,243 $1,259 $1,139 $1,163 $3,352 $3,562 $1,494 $1,650

Cheap Waterville, Iowa Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Waterville, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,435 $6,101
American Family $5,602 $7,889
Farmers $4,490 $4,788
GEICO $4,278 $3,972
Liberty Mutual $10,316 $11,611
Nationwide $4,168 $5,439
Progressive $4,399 $4,979
State Farm $3,825 $4,856
Travelers $8,809 $14,021
USAA $3,352 $3,562

Cheap Waterville, Iowa Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Waterville, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,707 $1,739
American Family $1,889 $1,889
Farmers $1,327 $1,449
GEICO $1,696 $1,552
Liberty Mutual $1,894 $2,301
Nationwide $1,662 $1,786
Progressive $1,538 $1,591
State Farm $1,254 $1,254
Travelers $1,980 $1,990
USAA $1,139 $1,163

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

Annual Waterville, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,462 $2,968 $3,359 $2,744
American Family $2,363 $3,448 $4,494 $2,779
Farmers $2,047 $2,538 $2,573 $2,447
GEICO $1,756 $2,451 $3,170 $1,884
Liberty Mutual $3,865 $4,774 $4,876 $4,373
Nationwide $1,906 $2,764 $3,794 $2,166
Progressive $2,105 $3,423 $2,279 $2,638
State Farm $2,027 $2,345 $2,186 $2,186
Travelers $3,267 $4,326 $5,773 $4,452
USAA $1,420 $1,903 $2,478 $1,630

Cheap Waterville, Iowa Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Waterville, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,359
American Family $4,494
Farmers $2,573
GEICO $3,170
Liberty Mutual $4,876
Nationwide $3,794
Progressive $2,279
State Farm $2,186
Travelers $5,773
USAA $2,478

Cheap Waterville, Iowa Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Waterville, Iowa

Insurance Company Poor Fair Good
Allstate $3,447 $2,740 $2,463
American Family $4,174 $3,066 $2,573
Farmers $2,752 $2,286 $2,166
GEICO $2,783 $2,315 $1,848
Liberty Mutual $6,383 $3,934 $3,098
Nationwide $3,243 $2,518 $2,212
Progressive $3,102 $2,486 $2,245
State Farm $3,113 $1,926 $1,519
Travelers $5,018 $4,275 $4,071
USAA $2,445 $1,677 $1,452

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Cheap Waterville, Iowa Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Waterville, Iowa

ZIP Code Average Annual Rates
52170 $2,443

Cheap Waterville, Iowa Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Waterville, Iowa

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $2,815 $2,952
American Family $3,233 $3,309
Farmers $2,401 $2,401
GEICO $2,269 $2,362
Liberty Mutual $4,472 $4,472
Nationwide $2,658 $2,658
Progressive $2,611 $2,611
State Farm $2,133 $2,239
Travelers $4,455 $4,455
USAA $1,790 $1,925

Cheap Waterville, Iowa Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Waterville, Iowa

Insurance Company Low Medium High
Allstate $2,789 $2,886 $2,974
American Family $3,298 $3,452 $3,063
Farmers $2,304 $2,409 $2,490
GEICO $2,192 $2,316 $2,437
Liberty Mutual $4,299 $4,464 $4,652
Nationwide $2,792 $2,635 $2,545
Progressive $2,486 $2,617 $2,730
State Farm $2,083 $2,198 $2,277
Travelers $4,208 $4,521 $4,635
USAA $1,768 $1,863 $1,942

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Best By Category: Cheapest Auto Insurance in Waterville, Iowa

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

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

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

Average Annual Auto Insurance Rates by Company in Waterville, Iowa

Insurance Company Average Annual Rates
Allstate $2,883
American Family $3,271
Farmers $2,401
GEICO $2,315
Liberty Mutual $4,472
Nationwide $2,658
Progressive $2,611
State Farm $2,186
Travelers $4,455
USAA $1,858

What affects auto insurance rates in Waterville, Iowa?

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

Waterville Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Waterville, Iowa commute length is 25.8 minutes according to City-Data.

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Compare Waterville, Iowa Auto Insurance Quotes

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