Buy Cheap Elgin, IA Auto Insurance (2021)

Elgin, IA auto insurance rates average $243 a month. Minimum auto insurance requirements in Elgin, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Elgin, IA, compare Elgin 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 Elgin is Liberty Mutual
  • The most expensive auto insurance company in Elgin after a DUI is Travelers
  • Average auto insurance rates in Elgin, IA for teens drivers are $5,466/year

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

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

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

Elgin, IA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Elgin, Iowa

Insurance Company Poor Fair Good
Allstate $3,485 $2,771 $2,491
American Family $3,960 $2,910 $2,445
Farmers $2,752 $2,286 $2,166
GEICO $2,783 $2,315 $1,848
Liberty Mutual $6,383 $3,934 $3,098
Nationwide $3,243 $2,518 $2,212
Progressive $3,202 $2,563 $2,313
State Farm $3,261 $2,017 $1,591
Travelers $5,018 $4,275 $4,071
USAA $2,419 $1,660 $1,437

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Elgin, 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 $1,948 $1,877 $1,724 $1,756 $5,509 $6,185 $2,131 $2,199
American Family $2,002 $2,002 $1,790 $1,790 $5,344 $7,497 $2,002 $2,412
Farmers $1,483 $1,511 $1,327 $1,449 $4,490 $4,788 $2,009 $2,153
GEICO $1,893 $1,693 $1,696 $1,552 $4,278 $3,972 $1,787 $1,651
Liberty Mutual $2,159 $2,345 $1,894 $2,301 $10,316 $11,611 $2,447 $2,702
Nationwide $1,872 $1,931 $1,662 $1,786 $4,168 $5,439 $2,103 $2,299
Progressive $1,936 $1,880 $1,592 $1,649 $4,513 $5,110 $2,335 $2,528
State Farm $1,533 $1,533 $1,331 $1,331 $3,924 $5,004 $1,718 $1,945
Travelers $2,057 $2,102 $1,980 $1,990 $8,809 $14,021 $2,133 $2,546
USAA $1,234 $1,249 $1,130 $1,155 $3,305 $3,514 $1,482 $1,638

Buy Cheap Elgin, IA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Elgin, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,509 $6,185
American Family $5,344 $7,497
Farmers $4,490 $4,788
GEICO $4,278 $3,972
Liberty Mutual $10,316 $11,611
Nationwide $4,168 $5,439
Progressive $4,513 $5,110
State Farm $3,924 $5,004
Travelers $8,809 $14,021
USAA $3,305 $3,514

Buy Cheap Elgin, IA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Elgin, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,724 $1,756
American Family $1,790 $1,790
Farmers $1,327 $1,449
GEICO $1,696 $1,552
Liberty Mutual $1,894 $2,301
Nationwide $1,662 $1,786
Progressive $1,592 $1,649
State Farm $1,331 $1,331
Travelers $1,980 $1,990
USAA $1,130 $1,155

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

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

Annual Auto Insurance Rates by Coverage Level in Elgin, Iowa

Insurance Company Low Medium High
Allstate $2,822 $2,919 $3,007
American Family $3,125 $3,277 $2,913
Farmers $2,304 $2,409 $2,490
GEICO $2,192 $2,316 $2,437
Liberty Mutual $4,299 $4,464 $4,652
Nationwide $2,792 $2,635 $2,545
Progressive $2,563 $2,699 $2,816
State Farm $2,193 $2,301 $2,375
Travelers $4,208 $4,521 $4,635
USAA $1,745 $1,844 $1,926

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Find Cheap Elgin, IA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Elgin, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,847 $2,985
American Family $3,069 $3,141
Farmers $2,401 $2,401
GEICO $2,269 $2,362
Liberty Mutual $4,472 $4,472
Nationwide $2,658 $2,658
Progressive $2,693 $2,693
State Farm $2,235 $2,345
Travelers $4,455 $4,455
USAA $1,771 $1,905

Find Cheap Elgin, IA Auto Insurance Rates by Driving Record

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

Annual Elgin, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,489 $3,001 $3,399 $2,775
American Family $2,242 $3,279 $4,262 $2,636
Farmers $2,047 $2,538 $2,573 $2,447
GEICO $1,756 $2,451 $3,170 $1,884
Liberty Mutual $3,865 $4,774 $4,876 $4,373
Nationwide $1,906 $2,764 $3,794 $2,166
Progressive $2,171 $3,526 $2,351 $2,722
State Farm $2,135 $2,445 $2,290 $2,290
Travelers $3,267 $4,326 $5,773 $4,452
USAA $1,405 $1,885 $2,451 $1,613

Find Cheap Elgin, IA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Elgin, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,399
American Family $4,262
Farmers $2,573
GEICO $3,170
Liberty Mutual $4,876
Nationwide $3,794
Progressive $2,351
State Farm $2,290
Travelers $5,773
USAA $2,451

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

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

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

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

Average Annual Auto Insurance Rates by Company in Elgin, Iowa

Insurance Company Average Annual Rates
Allstate $2,916
American Family $3,105
Farmers $2,401
GEICO $2,315
Liberty Mutual $4,472
Nationwide $2,658
Progressive $2,693
State Farm $2,290
Travelers $4,455
USAA $1,838

What affects Elgin, Iowa auto insurance rates?

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

Commute Times in Elgin

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Elgin, IA is 22.5 minutes according to City-Data.

Traffic in Elgin

How is traffic in Elgin, Iowa? Inrix data shows that Elgin, IA traffic makes it the 862nd-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Elgin, IA

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

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