Buy Cheap Defiance, IA Auto Insurance (2021)

Defiance, IA auto insurance rates average $249 a month. Minimum auto insurance requirements in Defiance, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Defiance, IA, compare Defiance 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 Defiance, IA are $249/month
  • The most expensive auto insurance company in Defiance after a DUI is Travelers
  • The most expensive auto insurance company in Defiance is Travelers

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

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

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

Defiance, IA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Defiance, Iowa

Insurance Company Poor Fair Good
Allstate $3,765 $2,985 $2,681
American Family $3,960 $2,910 $2,445
Farmers $2,891 $2,402 $2,276
GEICO $2,691 $2,240 $1,788
Liberty Mutual $6,213 $3,815 $3,007
Nationwide $3,043 $2,382 $2,087
Progressive $2,974 $2,389 $2,157
State Farm $3,128 $1,935 $1,527
Travelers $6,129 $5,215 $4,962
USAA $2,538 $1,734 $1,499

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Defiance, 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 $2,086 $2,005 $1,848 $1,882 $5,978 $6,727 $2,277 $2,347
American Family $2,002 $2,002 $1,790 $1,790 $5,344 $7,497 $2,002 $2,412
Farmers $1,560 $1,589 $1,395 $1,522 $4,715 $5,024 $2,113 $2,268
GEICO $1,821 $1,640 $1,620 $1,483 $4,142 $3,866 $1,733 $1,612
Liberty Mutual $2,134 $2,321 $1,864 $2,263 $9,920 $11,166 $2,418 $2,674
Nationwide $1,741 $1,789 $1,551 $1,657 $4,001 $5,180 $1,971 $2,144
Progressive $1,794 $1,737 $1,479 $1,531 $4,234 $4,789 $2,159 $2,330
State Farm $1,437 $1,437 $1,259 $1,259 $3,848 $4,883 $1,614 $1,838
Travelers $2,526 $2,581 $2,435 $2,443 $10,748 $16,987 $2,623 $3,141
USAA $1,301 $1,324 $1,186 $1,221 $3,408 $3,641 $1,569 $1,739

Buy Cheap Defiance, IA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Defiance, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,978 $6,727
American Family $5,344 $7,497
Farmers $4,715 $5,024
GEICO $4,142 $3,866
Liberty Mutual $9,920 $11,166
Nationwide $4,001 $5,180
Progressive $4,234 $4,789
State Farm $3,848 $4,883
Travelers $10,748 $16,987
USAA $3,408 $3,641

Buy Cheap Defiance, IA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Defiance, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,848 $1,882
American Family $1,790 $1,790
Farmers $1,395 $1,522
GEICO $1,620 $1,483
Liberty Mutual $1,864 $2,263
Nationwide $1,551 $1,657
Progressive $1,479 $1,531
State Farm $1,259 $1,259
Travelers $2,435 $2,443
USAA $1,186 $1,221

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

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

Annual Auto Insurance Rates by Coverage Level in Defiance, Iowa

Insurance Company Low Medium High
Allstate $3,018 $3,147 $3,266
American Family $3,125 $3,277 $2,913
Farmers $2,424 $2,531 $2,615
GEICO $2,141 $2,240 $2,338
Liberty Mutual $4,184 $4,338 $4,514
Nationwide $2,617 $2,491 $2,405
Progressive $2,366 $2,514 $2,640
State Farm $2,095 $2,208 $2,287
Travelers $5,163 $5,515 $5,629
USAA $1,832 $1,929 $2,010

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Find Cheap Defiance, IA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Defiance, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,069 $3,219
American Family $3,069 $3,141
Farmers $2,523 $2,523
GEICO $2,195 $2,285
Liberty Mutual $4,345 $4,345
Nationwide $2,504 $2,504
Progressive $2,507 $2,507
State Farm $2,144 $2,249
Travelers $5,436 $5,436
USAA $1,853 $1,994

Find Cheap Defiance, IA Auto Insurance Rates by Driving Record

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

Annual Defiance, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,675 $3,238 $3,674 $2,988
American Family $2,242 $3,279 $4,262 $2,636
Farmers $2,151 $2,667 $2,704 $2,571
GEICO $1,702 $2,373 $3,058 $1,826
Liberty Mutual $3,759 $4,632 $4,742 $4,247
Nationwide $1,811 $2,604 $3,552 $2,050
Progressive $2,020 $3,286 $2,190 $2,530
State Farm $2,036 $2,357 $2,197 $2,197
Travelers $3,977 $5,277 $7,047 $5,441
USAA $1,474 $1,968 $2,562 $1,690

Find Cheap Defiance, IA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Defiance, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,674
American Family $4,262
Farmers $2,704
GEICO $3,058
Liberty Mutual $4,742
Nationwide $3,552
Progressive $2,190
State Farm $2,197
Travelers $7,047
USAA $2,562

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

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

Best Annual Auto Insurance Rates by Company in Defiance, 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 Defiance, Iowa Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Defiance, Iowa

Insurance Company Average Annual Rates
Allstate $3,144
American Family $3,105
Farmers $2,523
GEICO $2,240
Liberty Mutual $4,345
Nationwide $2,504
Progressive $2,507
State Farm $2,197
Travelers $5,436
USAA $1,924

What affects Defiance, Iowa auto insurance rates?

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

Commute Times in Defiance

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Defiance, IA is 30.7 minutes according to City-Data.

Compare Auto Insurance Quotes in Defiance, IA

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

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