Buy Cheap Emerson, IA Auto Insurance (2021)

Emerson, IA auto insurance rates average $269 a month. Minimum auto insurance requirements in Emerson, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Emerson, IA, compare Emerson 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 Emerson, IA after a DUI are $3,888/year
  • The most expensive auto insurance company in Emerson is Travelers
  • Average auto insurance rates in Emerson, IA are $269/month

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

See how Emerson, IA car insurance rates compare to Ankeny auto insurance rates, Sioux City auto insurance rates, and Iowa City auto insurance rates before you read more about the cost of auto insurance in Emerson.

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

Emerson, IA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Emerson, Iowa

Insurance Company Poor Fair Good
Allstate $3,909 $3,108 $2,791
American Family $4,511 $3,312 $2,775
Farmers $2,960 $2,455 $2,325
GEICO $2,691 $2,240 $1,788
Liberty Mutual $6,265 $3,851 $3,035
Nationwide $3,566 $2,770 $2,434
Progressive $3,442 $2,747 $2,473
State Farm $3,457 $2,137 $1,685
Travelers $6,872 $5,855 $5,573
USAA $2,498 $1,705 $1,473

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Emerson, 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 $2,147 $2,060 $1,906 $1,941 $6,282 $7,076 $2,338 $2,404
American Family $2,294 $2,294 $2,044 $2,044 $6,011 $8,510 $2,294 $2,774
Farmers $1,595 $1,625 $1,428 $1,560 $4,821 $5,140 $2,159 $2,309
GEICO $1,821 $1,640 $1,620 $1,483 $4,142 $3,866 $1,733 $1,612
Liberty Mutual $2,144 $2,331 $1,875 $2,277 $10,031 $11,292 $2,430 $2,686
Nationwide $2,055 $2,119 $1,823 $1,960 $4,591 $6,000 $2,311 $2,528
Progressive $2,102 $2,047 $1,734 $1,790 $4,766 $5,401 $2,533 $2,727
State Farm $1,611 $1,611 $1,402 $1,402 $4,192 $5,335 $1,807 $2,052
Travelers $2,779 $2,837 $2,695 $2,700 $12,147 $19,324 $2,886 $3,432
USAA $1,284 $1,308 $1,170 $1,207 $3,336 $3,568 $1,549 $1,717

Buy Cheap Emerson, IA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Emerson, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,282 $7,076
American Family $6,011 $8,510
Farmers $4,821 $5,140
GEICO $4,142 $3,866
Liberty Mutual $10,031 $11,292
Nationwide $4,591 $6,000
Progressive $4,766 $5,401
State Farm $4,192 $5,335
Travelers $12,147 $19,324
USAA $3,336 $3,568

Buy Cheap Emerson, IA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Emerson, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,906 $1,941
American Family $2,044 $2,044
Farmers $1,428 $1,560
GEICO $1,620 $1,483
Liberty Mutual $1,875 $2,277
Nationwide $1,823 $1,960
Progressive $1,734 $1,790
State Farm $1,402 $1,402
Travelers $2,695 $2,700
USAA $1,170 $1,207

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

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

Annual Auto Insurance Rates by Coverage Level in Emerson, Iowa

Insurance Company Low Medium High
Allstate $3,138 $3,274 $3,395
American Family $3,572 $3,728 $3,299
Farmers $2,470 $2,588 $2,682
GEICO $2,141 $2,240 $2,338
Liberty Mutual $4,218 $4,376 $4,557
Nationwide $3,055 $2,905 $2,810
Progressive $2,734 $2,895 $3,033
State Farm $2,324 $2,438 $2,517
Travelers $5,738 $6,193 $6,370
USAA $1,802 $1,898 $1,977

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Find Cheap Emerson, IA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Emerson, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,191 $3,348
American Family $3,491 $3,575
Farmers $2,580 $2,580
GEICO $2,195 $2,285
Liberty Mutual $4,383 $4,383
Nationwide $2,923 $2,923
Progressive $2,887 $2,887
State Farm $2,369 $2,484
Travelers $6,100 $6,100
USAA $1,823 $1,962

Find Cheap Emerson, IA Auto Insurance Rates by Driving Record

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

Annual Emerson, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,774 $3,368 $3,830 $3,105
American Family $2,553 $3,715 $4,858 $3,005
Farmers $2,198 $2,727 $2,768 $2,627
GEICO $1,702 $2,373 $3,058 $1,826
Liberty Mutual $3,791 $4,675 $4,783 $4,285
Nationwide $2,091 $3,042 $4,183 $2,378
Progressive $2,331 $3,769 $2,526 $2,923
State Farm $2,257 $2,596 $2,426 $2,426
Travelers $4,447 $5,918 $7,933 $6,102
USAA $1,452 $1,935 $2,518 $1,664

Find Cheap Emerson, IA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Emerson, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,830
American Family $4,858
Farmers $2,768
GEICO $3,058
Liberty Mutual $4,783
Nationwide $4,183
Progressive $2,526
State Farm $2,426
Travelers $7,933
USAA $2,518

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

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

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

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

Average Annual Auto Insurance Rates by Company in Emerson, Iowa

Insurance Company Average Annual Rates
Allstate $3,269
American Family $3,533
Farmers $2,580
GEICO $2,240
Liberty Mutual $4,383
Nationwide $2,923
Progressive $2,887
State Farm $2,426
Travelers $6,100
USAA $1,892

What affects Emerson, Iowa auto insurance rates?

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

Commute Times in Emerson

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Emerson, IA is 21.2 minutes according to City-Data.

Compare Auto Insurance Quotes in Emerson, IA

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

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