Best Cheap Auto Insurance in Watkins, IA (2021)

The average Watkins, IA auto insurance rates are $245 per month. The minimum auto insurance in Watkins is at least 20/40/15 in coverage to comply with Iowa auto insurance laws. To find the best cheap auto insurance in Watkins, 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 cheapest auto insurance company in Watkins is USAA
  • Average auto insurance rates in Watkins, IA for senior drivers are $1,619 per year
  • The minimum auto insurance required in Watkins, Iowa is 20/40/15

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

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

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

Minimum Auto Insurance in Watkins, Iowa

Watkins, 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 Watkins, Iowa.

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

Auto insurance rates in Watkins, 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 Watkins, 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 $1,819 $1,744 $1,624 $1,651 $5,310 $5,983 $1,972 $2,024
American Family $1,999 $1,999 $1,787 $1,787 $5,322 $7,474 $1,999 $2,409
Farmers $1,448 $1,476 $1,298 $1,418 $4,354 $4,641 $1,958 $2,091
GEICO $1,893 $1,693 $1,696 $1,552 $4,278 $3,972 $1,787 $1,651
Liberty Mutual $1,979 $2,144 $1,748 $2,124 $9,884 $11,119 $2,243 $2,467
Nationwide $1,722 $1,764 $1,537 $1,636 $4,030 $5,193 $1,957 $2,124
Progressive $1,591 $1,524 $1,311 $1,364 $4,077 $4,595 $1,916 $2,083
State Farm $1,431 $1,431 $1,254 $1,254 $3,825 $4,856 $1,608 $1,828
Travelers $2,577 $2,627 $2,522 $2,527 $11,863 $18,953 $2,692 $3,146
USAA $1,234 $1,249 $1,130 $1,155 $3,311 $3,520 $1,482 $1,637

Cheap Watkins, Iowa Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Watkins, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,310 $5,983
American Family $5,322 $7,474
Farmers $4,354 $4,641
GEICO $4,278 $3,972
Liberty Mutual $9,884 $11,119
Nationwide $4,030 $5,193
Progressive $4,077 $4,595
State Farm $3,825 $4,856
Travelers $11,863 $18,953
USAA $3,311 $3,520

Cheap Watkins, Iowa Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Watkins, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,624 $1,651
American Family $1,787 $1,787
Farmers $1,298 $1,418
GEICO $1,696 $1,552
Liberty Mutual $1,748 $2,124
Nationwide $1,537 $1,636
Progressive $1,311 $1,364
State Farm $1,254 $1,254
Travelers $2,522 $2,527
USAA $1,130 $1,155

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

Annual Watkins, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,349 $2,842 $3,243 $2,629
American Family $2,236 $3,271 $4,251 $2,630
Farmers $1,989 $2,468 $2,507 $2,378
GEICO $1,756 $2,451 $3,170 $1,884
Liberty Mutual $3,637 $4,509 $4,586 $4,123
Nationwide $1,813 $2,594 $3,526 $2,048
Progressive $1,850 $3,056 $2,007 $2,316
State Farm $2,027 $2,345 $2,186 $2,186
Travelers $4,258 $5,710 $7,652 $5,834
USAA $1,407 $1,885 $2,453 $1,615

Cheap Watkins, Iowa Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Watkins, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,243
American Family $4,251
Farmers $2,507
GEICO $3,170
Liberty Mutual $4,586
Nationwide $3,526
Progressive $2,007
State Farm $2,186
Travelers $7,652
USAA $2,453

Cheap Watkins, Iowa Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Watkins, Iowa

Insurance Company Poor Fair Good
Allstate $3,300 $2,629 $2,368
American Family $3,950 $2,903 $2,439
Farmers $2,682 $2,221 $2,104
GEICO $2,783 $2,315 $1,848
Liberty Mutual $5,992 $3,721 $2,928
Nationwide $3,026 $2,378 $2,082
Progressive $2,714 $2,205 $2,004
State Farm $3,113 $1,926 $1,519
Travelers $6,579 $5,635 $5,376
USAA $2,421 $1,661 $1,438

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Cheap Watkins, Iowa Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Watkins, Iowa

ZIP Code Average Annual Rates
52354 $2,492

Cheap Watkins, Iowa Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Watkins, Iowa

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $2,700 $2,831
American Family $3,061 $3,133
Farmers $2,336 $2,336
GEICO $2,269 $2,362
Liberty Mutual $4,214 $4,214
Nationwide $2,495 $2,495
Progressive $2,307 $2,307
State Farm $2,133 $2,239
Travelers $5,863 $5,863
USAA $1,773 $1,907

Cheap Watkins, Iowa Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Watkins, Iowa

Insurance Company Low Medium High
Allstate $2,672 $2,769 $2,857
American Family $3,116 $3,269 $2,906
Farmers $2,233 $2,343 $2,431
GEICO $2,192 $2,316 $2,437
Liberty Mutual $4,040 $4,207 $4,394
Nationwide $2,594 $2,487 $2,405
Progressive $2,185 $2,316 $2,422
State Farm $2,083 $2,198 $2,277
Travelers $5,511 $5,952 $6,127
USAA $1,749 $1,845 $1,925

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Best By Category: Cheapest Auto Insurance in Watkins, Iowa

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

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

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

Average Annual Auto Insurance Rates by Company in Watkins, Iowa

Insurance Company Average Annual Rates
Allstate $2,766
American Family $3,097
Farmers $2,336
GEICO $2,315
Liberty Mutual $4,214
Nationwide $2,495
Progressive $2,307
State Farm $2,186
Travelers $5,863
USAA $1,840

Compare Watkins, Iowa Auto Insurance Quotes

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