Buy Cheap Ames, IA Auto Insurance (2021)

Ames, IA auto insurance rates average $222 a month. Minimum auto insurance requirements in Ames, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Ames, IA, compare Ames auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Ames after a DUI is Travelers
  • The most expensive auto insurance company in Ames is Travelers
  • Average auto insurance rates in Ames, IA for teens drivers are $5,151/year

Finding affordable Ames, Iowa auto insurance can be challenging, but everything you need to know to buy cheap Ames, IA auto insurance with confidence is right here. Auto insurance rates in Ames are affected by local factors as well as personal ones like your driving record.

See how Ames, IA car insurance rates compare to Sioux City auto insurance rates, Ames auto insurance rates, and Des Moines auto insurance rates before you read more about the cost of auto insurance in Ames.

Don’t buy Ames, IA auto insurance until you’ve compared rates. Get free Ames, Iowa auto insurance quotes when you enter your ZIP code above.

Ames, IA Minimum Auto Insurance Requirements

The required auto insurance in Ames, IA is 20/40/15 according to the auto insurance laws in Iowa. The minimum auto insurance in Ames, Iowa is outlined here.

Minimum Required Auto Insurance Coverage in Ames, 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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Find Cheap Ames, IA Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Ames, IA. Take a look at Ames, Iowa auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Ames, Iowa

Insurance Company Poor Fair Good
Allstate $3,327 $2,651 $2,388
American Family $3,323 $2,444 $2,061
Farmers $2,547 $2,113 $2,001
GEICO $2,156 $1,799 $1,441
Liberty Mutual $6,043 $3,758 $2,953
Nationwide $2,885 $2,281 $1,994
Progressive $2,569 $2,103 $1,916
State Farm $2,852 $1,765 $1,393
Travelers $5,388 $4,607 $4,391
USAA $2,019 $1,398 $1,215

Buy Cheap Ames, IA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Ames, Iowa auto insurance rates? Find out how car insurance rates in Ames, IA are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Ames, 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 $1,832 $1,756 $1,635 $1,663 $5,361 $6,041 $1,984 $2,036
American Family $1,672 $1,672 $1,502 $1,502 $4,538 $6,310 $1,672 $2,007
Farmers $1,367 $1,393 $1,223 $1,339 $4,167 $4,441 $1,852 $1,980
GEICO $1,446 $1,305 $1,325 $1,224 $3,363 $3,133 $1,350 $1,244
Liberty Mutual $1,968 $2,127 $1,738 $2,107 $10,072 $11,316 $2,230 $2,454
Nationwide $1,631 $1,665 $1,460 $1,547 $3,905 $5,004 $1,864 $2,016
Progressive $1,490 $1,417 $1,232 $1,281 $3,959 $4,455 $1,790 $1,943
State Farm $1,242 $1,242 $1,112 $1,112 $3,677 $4,618 $1,403 $1,620
Travelers $2,144 $2,184 $2,106 $2,104 $9,652 $15,317 $2,239 $2,618
USAA $1,031 $1,036 $955 $964 $2,818 $2,974 $1,226 $1,347

Buy Cheap Ames, IA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Ames can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Ames, IA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Ames, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,361 $6,041
American Family $4,538 $6,310
Farmers $4,167 $4,441
GEICO $3,363 $3,133
Liberty Mutual $10,072 $11,316
Nationwide $3,905 $5,004
Progressive $3,959 $4,455
State Farm $3,677 $4,618
Travelers $9,652 $15,317
USAA $2,818 $2,974

Buy Cheap Ames, IA Auto Insurance for Seniors

You can save on senior auto insurance rates in Ames, Iowa by comparing Ames senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Ames, IA here.

Annual Auto Insurance Rates for Senior Drivers in Ames, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,635 $1,663
American Family $1,502 $1,502
Farmers $1,223 $1,339
GEICO $1,325 $1,224
Liberty Mutual $1,738 $2,107
Nationwide $1,460 $1,547
Progressive $1,232 $1,281
State Farm $1,112 $1,112
Travelers $2,106 $2,104
USAA $955 $964

Find Cheap Auto Insurance Rates in Ames, IA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Ames, Iowa auto insurance. Compare Ames, IA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Ames, Iowa

Insurance Company Low Medium High
Allstate $2,695 $2,792 $2,879
American Family $2,607 $2,755 $2,465
Farmers $2,123 $2,227 $2,310
GEICO $1,698 $1,799 $1,899
Liberty Mutual $4,089 $4,247 $4,419
Nationwide $2,476 $2,382 $2,301
Progressive $2,057 $2,205 $2,326
State Farm $1,891 $2,016 $2,102
Travelers $4,509 $4,868 $5,010
USAA $1,452 $1,550 $1,630

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Find Cheap Ames, IA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Ames. Compare auto insurance rates in Ames, IA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Ames, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,722 $2,854
American Family $2,579 $2,640
Farmers $2,220 $2,220
GEICO $1,768 $1,829
Liberty Mutual $4,252 $4,252
Nationwide $2,387 $2,387
Progressive $2,196 $2,196
State Farm $1,955 $2,051
Travelers $4,796 $4,796
USAA $1,488 $1,600

Find Cheap Ames, IA Auto Insurance Rates by ZIP Code

Auto insurance rates in Ames, Iowa can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Ames, IA to see how much where you live in Ames affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Ames, Iowa

ZIP Code Average Annual Rates
50010 $2,248
50011 $2,251
50012 $2,233
50013 $2,260
50014 $2,242

Find Cheap Ames, IA Auto Insurance Rates by Driving Record

Auto insurance rates in Ames, Iowa are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Ames, IA, take a look at the average cost for various violations versus rates for a clean driving record in Ames.

Annual Ames, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,367 $2,865 $3,271 $2,651
American Family $1,881 $2,775 $3,572 $2,210
Farmers $1,891 $2,349 $2,385 $2,257
GEICO $1,342 $1,901 $2,514 $1,438
Liberty Mutual $3,669 $4,552 $4,623 $4,162
Nationwide $1,745 $2,480 $3,356 $1,965
Progressive $1,757 $2,922 $1,909 $2,196
State Farm $1,833 $2,173 $2,003 $2,003
Travelers $3,481 $4,662 $6,253 $4,786
USAA $1,178 $1,587 $2,058 $1,353

Find Cheap Ames, IA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Ames, Iowa is higher than for a clean driving record. You can buy auto insurance after a DUI in Ames for less when you shop around and compare rates from multiple Ames, IA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Ames, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,271
American Family $3,572
Farmers $2,385
GEICO $2,514
Liberty Mutual $4,623
Nationwide $3,356
Progressive $1,909
State Farm $2,003
Travelers $6,253
USAA $2,058

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Winners by Category: Where to Buy Cheap Auto Insurance in Ames, IA

Compare rates from the cheapest auto insurance companies in Ames, IA for your needs. Take a look at how Ames, Iowa auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Ames, Iowa

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

Find Cheap Ames, Iowa Auto Insurance Companies

If you’re looking for the cheapest Ames, IA auto insurance companies overall, you can compare them here. Find the best price for Ames, Iowa car insurance by company.

Average Annual Auto Insurance Rates by Company in Ames, Iowa

Insurance Company Average Annual Rates
Allstate $2,788
American Family $2,609
Farmers $2,220
GEICO $1,799
Liberty Mutual $4,252
Nationwide $2,387
Progressive $2,196
State Farm $2,003
Travelers $4,796
USAA $1,544

What affects Ames, Iowa auto insurance rates?

Local factors affect auto insurance rates in Ames, IA, including traffic, theft statistics, and commute length. Take a look at the things that impact Ames auto insurance rates.

Commute Times in Ames

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Ames, IA is 16.4 minutes according to City-Data.

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Compare Auto Insurance Quotes in Ames, IA

You can buy cheap Ames, IA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Ames, Iowa auto insurance quotes from top companies.

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