Buy Cheap Chelsea, IA Auto Insurance (2021)

Chelsea, IA auto insurance rates average $248 a month. Minimum auto insurance requirements in Chelsea, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Chelsea, IA, compare Chelsea 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 ...

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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
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UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Chelsea is Travelers
  • Average auto insurance rates in Chelsea, IA after a DUI are $3,573/year
  • The most expensive auto insurance company in Chelsea after a DUI is Travelers

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

See how Chelsea, IA car insurance rates compare to Council Bluffs auto insurance rates, Ankeny auto insurance rates, and Davenport auto insurance rates before you read more about the cost of auto insurance in Chelsea.

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

Chelsea, IA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Chelsea, Iowa

Insurance Company Poor Fair Good
Allstate $3,635 $2,893 $2,596
American Family $3,829 $2,814 $2,365
Farmers $2,682 $2,221 $2,104
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,233 $3,856 $3,034
Nationwide $2,944 $2,296 $2,015
Progressive $3,239 $2,622 $2,379
State Farm $3,128 $1,935 $1,526
Travelers $6,155 $5,252 $5,004
USAA $2,421 $1,661 $1,438

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Chelsea, 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 $2,027 $1,953 $1,794 $1,829 $5,760 $6,464 $2,219 $2,285
American Family $1,939 $1,939 $1,734 $1,734 $5,158 $7,244 $1,939 $2,337
Farmers $1,448 $1,476 $1,298 $1,418 $4,354 $4,641 $1,958 $2,091
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,081 $2,257 $1,832 $2,225 $10,185 $11,460 $2,358 $2,599
Nationwide $1,699 $1,748 $1,512 $1,619 $3,814 $4,957 $1,912 $2,085
Progressive $1,914 $1,840 $1,576 $1,637 $4,787 $5,403 $2,308 $2,508
State Farm $1,439 $1,439 $1,260 $1,260 $3,840 $4,877 $1,616 $1,837
Travelers $2,481 $2,533 $2,407 $2,413 $10,925 $17,356 $2,582 $3,063
USAA $1,234 $1,249 $1,130 $1,155 $3,311 $3,520 $1,482 $1,637

Buy Cheap Chelsea, IA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Chelsea, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,760 $6,464
American Family $5,158 $7,244
Farmers $4,354 $4,641
GEICO $4,328 $4,022
Liberty Mutual $10,185 $11,460
Nationwide $3,814 $4,957
Progressive $4,787 $5,403
State Farm $3,840 $4,877
Travelers $10,925 $17,356
USAA $3,311 $3,520

Buy Cheap Chelsea, IA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Chelsea, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,794 $1,829
American Family $1,734 $1,734
Farmers $1,298 $1,418
GEICO $1,710 $1,564
Liberty Mutual $1,832 $2,225
Nationwide $1,512 $1,619
Progressive $1,576 $1,637
State Farm $1,260 $1,260
Travelers $2,407 $2,413
USAA $1,130 $1,155

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

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

Annual Auto Insurance Rates by Coverage Level in Chelsea, Iowa

Insurance Company Low Medium High
Allstate $2,922 $3,046 $3,156
American Family $3,020 $3,170 $2,819
Farmers $2,233 $2,343 $2,431
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,199 $4,367 $4,557
Nationwide $2,531 $2,401 $2,323
Progressive $2,609 $2,756 $2,875
State Farm $2,092 $2,208 $2,288
Travelers $5,174 $5,551 $5,685
USAA $1,749 $1,845 $1,925

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Find Cheap Chelsea, IA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Chelsea, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,969 $3,114
American Family $2,968 $3,038
Farmers $2,336 $2,336
GEICO $2,294 $2,387
Liberty Mutual $4,374 $4,374
Nationwide $2,418 $2,418
Progressive $2,747 $2,747
State Farm $2,143 $2,249
Travelers $5,470 $5,470
USAA $1,773 $1,907

Find Cheap Chelsea, IA Auto Insurance Rates by Driving Record

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

Annual Chelsea, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,596 $3,136 $3,541 $2,892
American Family $2,168 $3,176 $4,120 $2,549
Farmers $1,989 $2,468 $2,507 $2,378
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,778 $4,676 $4,765 $4,279
Nationwide $1,744 $2,515 $3,438 $1,976
Progressive $2,204 $3,630 $2,390 $2,763
State Farm $2,037 $2,356 $2,196 $2,196
Travelers $3,988 $5,316 $7,114 $5,462
USAA $1,407 $1,885 $2,453 $1,615

Find Cheap Chelsea, IA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Chelsea, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,541
American Family $4,120
Farmers $2,507
GEICO $3,206
Liberty Mutual $4,765
Nationwide $3,438
Progressive $2,390
State Farm $2,196
Travelers $7,114
USAA $2,453

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

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

Best Annual Auto Insurance Rates by Company in Chelsea, 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

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Find Cheap Chelsea, Iowa Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Chelsea, Iowa

Insurance Company Average Annual Rates
Allstate $3,041
American Family $3,003
Farmers $2,336
GEICO $2,341
Liberty Mutual $4,374
Nationwide $2,418
Progressive $2,747
State Farm $2,196
Travelers $5,470
USAA $1,840

What affects Chelsea, Iowa auto insurance rates?

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

Commute Times in Chelsea

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Chelsea, IA is 32.8 minutes according to City-Data.

Compare Auto Insurance Quotes in Chelsea, IA

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

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