Buy Cheap Bernard, IA Auto Insurance (2021)

Bernard, IA auto insurance rates average $246 a month. Minimum auto insurance requirements in Bernard, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Bernard, IA, compare Bernard 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

  • Average auto insurance rates in Bernard, IA for teens drivers are $5,609/year
  • Average auto insurance rates in Bernard, IA after a DUI are $3,561/year
  • The most expensive auto insurance company in Bernard after a DUI is Travelers

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

See how Bernard, IA car insurance rates compare to Cedar Rapids auto insurance rates, Ames auto insurance rates, and Davenport auto insurance rates before you read more about the cost of auto insurance in Bernard.

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

Bernard, IA Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Bernard, 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 Bernard, IA Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Bernard, Iowa

Insurance Company Poor Fair Good
Allstate $3,270 $2,606 $2,347
American Family $4,048 $2,975 $2,496
Farmers $2,682 $2,221 $2,104
GEICO $2,783 $2,315 $1,848
Liberty Mutual $6,264 $3,859 $3,039
Nationwide $2,940 $2,302 $2,019
Progressive $2,952 $2,381 $2,154
State Farm $3,236 $2,001 $1,578
Travelers $6,246 $5,341 $5,093
USAA $2,410 $1,661 $1,440

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Bernard, 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 $1,804 $1,730 $1,610 $1,638 $5,259 $5,924 $1,955 $2,007
American Family $2,051 $2,051 $1,832 $1,832 $5,438 $7,652 $2,051 $2,474
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 $2,124 $2,307 $1,862 $2,262 $10,105 $11,375 $2,406 $2,657
Nationwide $1,686 $1,731 $1,503 $1,605 $3,861 $4,996 $1,907 $2,074
Progressive $1,762 $1,700 $1,455 $1,505 $4,284 $4,837 $2,124 $2,298
State Farm $1,494 $1,494 $1,307 $1,307 $3,960 $5,033 $1,677 $1,905
Travelers $2,463 $2,511 $2,405 $2,410 $11,192 $17,925 $2,565 $3,007
USAA $1,219 $1,228 $1,121 $1,137 $3,363 $3,558 $1,460 $1,609

Buy Cheap Bernard, IA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Bernard, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,259 $5,924
American Family $5,438 $7,652
Farmers $4,354 $4,641
GEICO $4,278 $3,972
Liberty Mutual $10,105 $11,375
Nationwide $3,861 $4,996
Progressive $4,284 $4,837
State Farm $3,960 $5,033
Travelers $11,192 $17,925
USAA $3,363 $3,558

Buy Cheap Bernard, IA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Bernard, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,610 $1,638
American Family $1,832 $1,832
Farmers $1,298 $1,418
GEICO $1,696 $1,552
Liberty Mutual $1,862 $2,262
Nationwide $1,503 $1,605
Progressive $1,455 $1,505
State Farm $1,307 $1,307
Travelers $2,405 $2,410
USAA $1,121 $1,137

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

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

Annual Auto Insurance Rates by Coverage Level in Bernard, Iowa

Insurance Company Low Medium High
Allstate $2,647 $2,744 $2,832
American Family $3,197 $3,348 $2,973
Farmers $2,233 $2,343 $2,431
GEICO $2,192 $2,316 $2,437
Liberty Mutual $4,216 $4,380 $4,567
Nationwide $2,522 $2,409 $2,330
Progressive $2,369 $2,505 $2,613
State Farm $2,166 $2,284 $2,366
Travelers $5,196 $5,646 $5,837
USAA $1,745 $1,843 $1,923

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Find Cheap Bernard, IA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Bernard, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,676 $2,806
American Family $3,136 $3,210
Farmers $2,336 $2,336
GEICO $2,269 $2,362
Liberty Mutual $4,387 $4,387
Nationwide $2,420 $2,420
Progressive $2,496 $2,496
State Farm $2,217 $2,327
Travelers $5,560 $5,560
USAA $1,770 $1,904

Find Cheap Bernard, IA Auto Insurance Rates by Driving Record

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

Annual Bernard, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,328 $2,817 $3,213 $2,606
American Family $2,291 $3,348 $4,357 $2,695
Farmers $1,989 $2,468 $2,507 $2,378
GEICO $1,756 $2,451 $3,170 $1,884
Liberty Mutual $3,792 $4,683 $4,784 $4,290
Nationwide $1,752 $2,517 $3,430 $1,982
Progressive $2,008 $3,285 $2,176 $2,514
State Farm $2,109 $2,435 $2,272 $2,272
Travelers $4,044 $5,405 $7,249 $5,542
USAA $1,401 $1,885 $2,452 $1,610

Find Cheap Bernard, IA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Bernard, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,213
American Family $4,357
Farmers $2,507
GEICO $3,170
Liberty Mutual $4,784
Nationwide $3,430
Progressive $2,176
State Farm $2,272
Travelers $7,249
USAA $2,452

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

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

Best Annual Auto Insurance Rates by Company in Bernard, Iowa

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

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Find Cheap Bernard, Iowa Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Bernard, Iowa

Insurance Company Average Annual Rates
Allstate $2,741
American Family $3,173
Farmers $2,336
GEICO $2,315
Liberty Mutual $4,387
Nationwide $2,420
Progressive $2,496
State Farm $2,272
Travelers $5,560
USAA $1,837

What affects Bernard, Iowa auto insurance rates?

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

Commute Times in Bernard

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Bernard, IA is 25.9 minutes according to City-Data.

Compare Auto Insurance Quotes in Bernard, IA

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

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