Compare Spirit Lake, IA Car Insurance Rates [2024]
Car insurance in Spirit Lake, IA averages $244 a month. Spirit Lake, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Spirit Lake car insurance rates, compare quotes from the top car insurance companies in Spirit Lake, IA.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Spirit Lake is USAA
- Average car insurance rates in Spirit Lake, IA after a DUI are $3,529/year
- The cheapest car insurance company in Spirit Lake for teen drivers is USAA
If you need to buy Spirit Lake, Iowa car insurance, the options can be confusing. Everything you need to know about car insurance in Spirit Lake, IA is right here.
You’ll find Spirit Lake car insurance rates, the cheapest Spirit Lake, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Spirit Lake, Iowa car insurance rates to Sioux City car insurance rates, West Des Moines car insurance rates, and Cedar Rapids car insurance rates.
Ready to find affordable Spirit Lake, IA car insurance today? Enter your ZIP code for fast, free Spirit Lake car insurance quotes.
Cheapest Spirit Lake, IA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Spirit Lake, IA car insurance rates? Every Spirit Lake, Iowa car insurance company weighs these factors differently, so check out the comparison rates.
| 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 |
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Minimum Car Insurance in Spirit Lake, IA
Every driver must carry the minimum car insurance in Spirit Lake, IA. Take a look at the Iowa car insurance requirements.
| 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 |
Cheapest Spirit Lake, IA Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Spirit Lake, IA. Compare credit history car insurance rates in Spirit Lake from top companies for good, fair, and poor credit.
| 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 |
Cheapest Spirit Lake, IA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Spirit Lake, IA to rates for a clean record with top companies.
| 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 |
Cheapest Spirit Lake, IA Car Insurance for Teen Drivers
Teen car insurance in Spirit Lake, IA can be expensive. Take a look at rates from the top car insurance companies in Spirit Lake for teenagers.
| 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 |
Cheapest Spirit Lake, IA Car Insurance for Seniors
Take a look at Spirit Lake, IA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| 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 |
Cheapest Spirit Lake, IA Car Insurance Rates After a DUI
A DUI in Spirit Lake, IA increases car insurance rates. Compare Spirit Lake, Iowa DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car 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 |
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Cheapest Spirit Lake, IA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Spirit Lake, IA by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 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 |
The Best Cheap Car Insurance Companies in Spirit Lake, IA
Take a look at a side-by-side comparison of the top car insurance companies in Spirit Lake, IA to find the best option for your needs.
| 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 |
Category Winners: Cheapest Car Insurance in Spirit Lake, Iowa
Find the cheapest car insurance companies in Spirit Lake, IA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | USAA |
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Cheapest Spirit Lake, IA Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Spirit Lake car insurance rates. Find the cheapest Spirit Lake, IA car insurance rates by coverage level.
| 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 |
What affects car insurance rates in Spirit Lake, Iowa?
What factors can have an impact on Spirit Lake, IA car insurance? There are several reasons why Spirit Lake car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Spirit Lake, Iowa.
Commute Time in Spirit Lake
The more time you spend in your car the higher the risk of an accident. The average commute length in Spirit Lake, IA is 12.6 minutes according to City-Data.
Compare Car Insurance Quotes in Spirit Lake, IA
Ready to find affordable Spirit Lake, Iowa car insurance today? Enter your ZIP code for fast, free Spirit Lake, IA car insurance quotes.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Frequently Asked Questions
What factors affect car insurance rates in Spirit Lake, IA?
Factors include age, gender, marital status, credit score, driving record, commute length, and coverage level.
How does coverage level affect car insurance rates?
Higher coverage limits often mean higher premiums, so consider your needs when comparing quotes.
Can I get cheaper car insurance rates after a DUI?
DUIs generally increase rates, but comparing quotes can help find more affordable options.
What are the car insurance requirements in Spirit Lake, IA?
The requirements are 20/40/15, which means you need a minimum of $20,000 for bodily injury per person, $40,000 for bodily injury per accident, and $15,000 for property damage.
How much does car insurance in Spirit Lake, IA cost on average?
The average cost is $244 per month.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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.