Buy Cheap Elma, IA Auto Insurance (2021)

Elma, IA auto insurance rates average $242 a month. Minimum auto insurance requirements in Elma, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Elma, IA, compare Elma 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
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Elma after a DUI is Travelers
  • Average auto insurance rates in Elma, IA after a DUI are $3,514/year
  • The most expensive auto insurance company in Elma is Travelers

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

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

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

Elma, IA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Elma, Iowa

Insurance Company Poor Fair Good
Allstate $3,313 $2,637 $2,369
American Family $3,834 $2,819 $2,370
Farmers $2,752 $2,286 $2,166
GEICO $2,783 $2,315 $1,848
Liberty Mutual $6,137 $3,795 $2,985
Nationwide $3,294 $2,563 $2,249
Progressive $2,531 $2,029 $1,830
State Farm $3,154 $1,951 $1,539
Travelers $6,063 $5,163 $4,914
USAA $2,419 $1,660 $1,437

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Elma, 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 $1,863 $1,798 $1,648 $1,680 $5,209 $5,839 $2,041 $2,105
American Family $1,938 $1,938 $1,734 $1,734 $5,181 $7,262 $1,938 $2,335
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 $2,045 $2,218 $1,800 $2,185 $10,036 $11,288 $2,318 $2,556
Nationwide $1,895 $1,952 $1,684 $1,806 $4,262 $5,552 $2,134 $2,330
Progressive $1,531 $1,483 $1,262 $1,306 $3,584 $4,050 $1,841 $1,984
State Farm $1,472 $1,472 $1,282 $1,282 $3,820 $4,863 $1,651 $1,873
Travelers $2,485 $2,539 $2,392 $2,402 $10,653 $16,904 $2,578 $3,088
USAA $1,234 $1,249 $1,130 $1,155 $3,305 $3,514 $1,482 $1,638

Buy Cheap Elma, IA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Elma, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,209 $5,839
American Family $5,181 $7,262
Farmers $4,490 $4,788
GEICO $4,278 $3,972
Liberty Mutual $10,036 $11,288
Nationwide $4,262 $5,552
Progressive $3,584 $4,050
State Farm $3,820 $4,863
Travelers $10,653 $16,904
USAA $3,305 $3,514

Buy Cheap Elma, IA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Elma, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,648 $1,680
American Family $1,734 $1,734
Farmers $1,327 $1,449
GEICO $1,696 $1,552
Liberty Mutual $1,800 $2,185
Nationwide $1,684 $1,806
Progressive $1,262 $1,306
State Farm $1,282 $1,282
Travelers $2,392 $2,402
USAA $1,130 $1,155

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

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

Annual Auto Insurance Rates by Coverage Level in Elma, Iowa

Insurance Company Low Medium High
Allstate $2,679 $2,776 $2,864
American Family $3,024 $3,174 $2,824
Farmers $2,304 $2,409 $2,490
GEICO $2,192 $2,316 $2,437
Liberty Mutual $4,139 $4,299 $4,480
Nationwide $2,834 $2,682 $2,590
Progressive $2,017 $2,137 $2,237
State Farm $2,119 $2,225 $2,299
Travelers $5,102 $5,459 $5,579
USAA $1,745 $1,844 $1,926

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Find Cheap Elma, IA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Elma, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,707 $2,838
American Family $2,973 $3,043
Farmers $2,401 $2,401
GEICO $2,269 $2,362
Liberty Mutual $4,306 $4,306
Nationwide $2,702 $2,702
Progressive $2,130 $2,130
State Farm $2,162 $2,267
Travelers $5,380 $5,380
USAA $1,771 $1,905

Find Cheap Elma, IA Auto Insurance Rates by Driving Record

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

Annual Elma, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,373 $2,856 $3,223 $2,640
American Family $2,171 $3,180 $4,126 $2,553
Farmers $2,047 $2,538 $2,573 $2,447
GEICO $1,756 $2,451 $3,170 $1,884
Liberty Mutual $3,719 $4,603 $4,690 $4,212
Nationwide $1,941 $2,811 $3,852 $2,204
Progressive $1,720 $2,787 $1,863 $2,151
State Farm $2,061 $2,368 $2,214 $2,214
Travelers $3,937 $5,223 $6,979 $5,381
USAA $1,405 $1,885 $2,451 $1,613

Find Cheap Elma, IA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Elma, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,223
American Family $4,126
Farmers $2,573
GEICO $3,170
Liberty Mutual $4,690
Nationwide $3,852
Progressive $1,863
State Farm $2,214
Travelers $6,979
USAA $2,451

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

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

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

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

Average Annual Auto Insurance Rates by Company in Elma, Iowa

Insurance Company Average Annual Rates
Allstate $2,773
American Family $3,008
Farmers $2,401
GEICO $2,315
Liberty Mutual $4,306
Nationwide $2,702
Progressive $2,130
State Farm $2,215
Travelers $5,380
USAA $1,838

What affects Elma, Iowa auto insurance rates?

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

Commute Times in Elma

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Elma, IA is 19.1 minutes according to City-Data.

Compare Auto Insurance Quotes in Elma, IA

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

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