Buy Cheap Council Bluffs, IA Auto Insurance (2022)

Council Bluffs, IA auto insurance rates average $300 a month. Minimum auto insurance requirements in Council Bluffs, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Council Bluffs, IA, compare Council Bluffs 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 Council Bluffs, IA after a DUI are $4,364/year
  • Average auto insurance rates in Council Bluffs, IA for teens drivers are $6,896/year
  • Average auto insurance rates in Council Bluffs, IA are $300/month

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

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

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

Council Bluffs, IA Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Council Bluffs, 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 Council Bluffs, IA Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Council Bluffs, Iowa

Insurance Company Poor Fair Good
Allstate $3,928 $3,118 $2,800
American Family $4,173 $3,061 $2,580
Farmers $3,108 $2,581 $2,445
GEICO $3,123 $2,596 $2,069
Liberty Mutual $7,041 $4,365 $3,429
Nationwide $4,053 $3,168 $2,777
Progressive $4,034 $3,234 $2,916
State Farm $3,444 $2,130 $1,680
Travelers $8,831 $7,560 $7,216
USAA $2,929 $2,015 $1,745

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Council Bluffs, 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 $2,160 $2,072 $1,919 $1,954 $6,293 $7,087 $2,351 $2,417
American Family $2,096 $2,096 $1,878 $1,878 $5,681 $7,928 $2,096 $2,517
Farmers $1,665 $1,698 $1,489 $1,633 $5,091 $5,443 $2,261 $2,409
GEICO $2,096 $1,873 $1,919 $1,767 $4,871 $4,511 $1,947 $1,781
Liberty Mutual $2,308 $2,504 $2,044 $2,492 $11,623 $13,090 $2,617 $2,880
Nationwide $2,304 $2,365 $2,048 $2,190 $5,348 $6,943 $2,614 $2,849
Progressive $2,451 $2,381 $2,026 $2,089 $5,660 $6,413 $2,954 $3,181
State Farm $1,497 $1,497 $1,341 $1,341 $4,442 $5,591 $1,691 $1,944
Travelers $3,428 $3,503 $3,318 $3,344 $15,880 $25,714 $3,565 $4,199
USAA $1,476 $1,491 $1,354 $1,379 $4,072 $4,322 $1,776 $1,966

Buy Cheap Council Bluffs, IA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Council Bluffs, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,293 $7,087
American Family $5,681 $7,928
Farmers $5,091 $5,443
GEICO $4,871 $4,511
Liberty Mutual $11,623 $13,090
Nationwide $5,348 $6,943
Progressive $5,660 $6,413
State Farm $4,442 $5,591
Travelers $15,880 $25,714
USAA $4,072 $4,322

Buy Cheap Council Bluffs, IA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Council Bluffs, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,919 $1,954
American Family $1,878 $1,878
Farmers $1,489 $1,633
GEICO $1,919 $1,767
Liberty Mutual $2,044 $2,492
Nationwide $2,048 $2,190
Progressive $2,026 $2,089
State Farm $1,341 $1,341
Travelers $3,318 $3,344
USAA $1,354 $1,379

Find Cheap Auto Insurance Rates in Council Bluffs, IA by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Council Bluffs, Iowa

Insurance Company Low Medium High
Allstate $3,144 $3,286 $3,415
American Family $3,260 $3,455 $3,099
Farmers $2,592 $2,721 $2,821
GEICO $2,427 $2,597 $2,763
Liberty Mutual $4,724 $4,933 $5,177
Nationwide $3,458 $3,324 $3,216
Progressive $3,191 $3,404 $3,588
State Farm $2,272 $2,436 $2,546
Travelers $7,333 $7,993 $8,281
USAA $2,113 $2,238 $2,338

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Find Cheap Council Bluffs, IA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Council Bluffs, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,203 $3,360
American Family $3,233 $3,310
Farmers $2,711 $2,711
GEICO $2,548 $2,643
Liberty Mutual $4,945 $4,945
Nationwide $3,333 $3,333
Progressive $3,395 $3,395
State Farm $2,359 $2,478
Travelers $7,869 $7,869
USAA $2,148 $2,311

Find Cheap Council Bluffs, IA Auto Insurance Rates by ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Council Bluffs, Iowa

ZIP Code Average Annual Rates
51501 $3,090
51503 $3,044

Find Cheap Council Bluffs, IA Auto Insurance Rates by Driving Record

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

Annual Council Bluffs, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,786 $3,380 $3,842 $3,118
American Family $2,365 $3,448 $4,494 $2,779
Farmers $2,313 $2,863 $2,907 $2,763
GEICO $1,927 $2,752 $3,635 $2,068
Liberty Mutual $4,262 $5,296 $5,383 $4,837
Nationwide $2,394 $3,467 $4,752 $2,717
Progressive $2,735 $4,444 $2,968 $3,431
State Farm $2,213 $2,623 $2,418 $2,418
Travelers $5,736 $7,658 $10,262 $7,819
USAA $1,696 $2,291 $2,979 $1,952

Find Cheap Council Bluffs, IA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Council Bluffs, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,842
American Family $4,494
Farmers $2,907
GEICO $3,635
Liberty Mutual $5,383
Nationwide $4,752
Progressive $2,968
State Farm $2,418
Travelers $10,262
USAA $2,979

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

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

Best Annual Auto Insurance Rates by Company in Council Bluffs, Iowa

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

Find Cheap Council Bluffs, Iowa Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Council Bluffs, Iowa

Insurance Company Average Annual Rates
Allstate $3,282
American Family $3,271
Farmers $2,711
GEICO $2,596
Liberty Mutual $4,945
Nationwide $3,333
Progressive $3,395
State Farm $2,418
Travelers $7,869
USAA $2,230

What affects Council Bluffs, Iowa auto insurance rates?

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

Commute Times in Council Bluffs

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Council Bluffs, IA is 19.3 minutes according to City-Data.

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Compare Auto Insurance Quotes in Council Bluffs, IA

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

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