Buy Cheap Fairfield, IA Auto Insurance (2021)

Fairfield, IA auto insurance rates average $247 a month. Minimum auto insurance requirements in Fairfield, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Fairfield, IA, compare Fairfield 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 Fairfield after a DUI is Travelers
  • Average auto insurance rates in Fairfield, IA are $247/month
  • Average auto insurance rates in Fairfield, IA after a DUI are $3,586/year

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

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

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

Fairfield, IA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Fairfield, Iowa

Insurance Company Poor Fair Good
Allstate $3,364 $2,677 $2,403
American Family $3,778 $2,776 $2,334
Farmers $2,822 $2,339 $2,216
GEICO $2,783 $2,315 $1,848
Liberty Mutual $6,264 $3,859 $3,039
Nationwide $3,290 $2,569 $2,252
Progressive $2,611 $2,103 $1,900
State Farm $3,083 $1,907 $1,505
Travelers $6,556 $5,592 $5,327
USAA $2,399 $1,648 $1,427

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Fairfield, 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 $1,901 $1,837 $1,679 $1,711 $5,260 $5,887 $2,087 $2,154
American Family $1,911 $1,911 $1,710 $1,710 $5,098 $7,150 $1,911 $2,302
Farmers $1,524 $1,554 $1,366 $1,491 $4,582 $4,887 $2,062 $2,204
GEICO $1,893 $1,693 $1,696 $1,552 $4,278 $3,972 $1,787 $1,651
Liberty Mutual $2,124 $2,307 $1,862 $2,262 $10,105 $11,375 $2,406 $2,657
Nationwide $1,882 $1,935 $1,674 $1,791 $4,309 $5,592 $2,128 $2,318
Progressive $1,568 $1,514 $1,295 $1,342 $3,760 $4,244 $1,885 $2,029
State Farm $1,421 $1,421 $1,244 $1,244 $3,780 $4,801 $1,596 $1,814
Travelers $2,640 $2,697 $2,550 $2,562 $11,605 $18,543 $2,741 $3,260
USAA $1,224 $1,238 $1,123 $1,146 $3,285 $3,490 $1,468 $1,622

Buy Cheap Fairfield, IA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Fairfield, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,260 $5,887
American Family $5,098 $7,150
Farmers $4,582 $4,887
GEICO $4,278 $3,972
Liberty Mutual $10,105 $11,375
Nationwide $4,309 $5,592
Progressive $3,760 $4,244
State Farm $3,780 $4,801
Travelers $11,605 $18,543
USAA $3,285 $3,490

Buy Cheap Fairfield, IA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Fairfield, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,679 $1,711
American Family $1,710 $1,710
Farmers $1,366 $1,491
GEICO $1,696 $1,552
Liberty Mutual $1,862 $2,262
Nationwide $1,674 $1,791
Progressive $1,295 $1,342
State Farm $1,244 $1,244
Travelers $2,550 $2,562
USAA $1,123 $1,146

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

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

Annual Auto Insurance Rates by Coverage Level in Fairfield, Iowa

Insurance Company Low Medium High
Allstate $2,718 $2,817 $2,908
American Family $2,976 $3,128 $2,785
Farmers $2,354 $2,467 $2,556
GEICO $2,192 $2,316 $2,437
Liberty Mutual $4,216 $4,380 $4,567
Nationwide $2,827 $2,688 $2,597
Progressive $2,078 $2,213 $2,323
State Farm $2,064 $2,177 $2,254
Travelers $5,479 $5,913 $6,082
USAA $1,732 $1,830 $1,911

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Find Cheap Fairfield, IA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Fairfield, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,748 $2,881
American Family $2,928 $2,997
Farmers $2,459 $2,459
GEICO $2,269 $2,362
Liberty Mutual $4,387 $4,387
Nationwide $2,704 $2,704
Progressive $2,205 $2,205
State Farm $2,113 $2,217
Travelers $5,825 $5,825
USAA $1,758 $1,891

Find Cheap Fairfield, IA Auto Insurance Rates by ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Fairfield, Iowa

ZIP Code Average Annual Rates
52556 $2,505
52557 $2,508

Find Cheap Fairfield, IA Auto Insurance Rates by Driving Record

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

Annual Fairfield, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,414 $2,900 $3,264 $2,680
American Family $2,139 $3,135 $4,064 $2,514
Farmers $2,095 $2,597 $2,637 $2,506
GEICO $1,756 $2,451 $3,170 $1,884
Liberty Mutual $3,792 $4,683 $4,784 $4,290
Nationwide $1,949 $2,812 $3,845 $2,209
Progressive $1,776 $2,894 $1,927 $2,222
State Farm $2,009 $2,321 $2,165 $2,165
Travelers $4,256 $5,658 $7,570 $5,815
USAA $1,395 $1,870 $2,432 $1,602

Find Cheap Fairfield, IA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Fairfield, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,264
American Family $4,064
Farmers $2,637
GEICO $3,170
Liberty Mutual $4,784
Nationwide $3,845
Progressive $1,927
State Farm $2,165
Travelers $7,570
USAA $2,432

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

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

Best Annual Auto Insurance Rates by Company in Fairfield, Iowa

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

Find Cheap Fairfield, Iowa Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Fairfield, Iowa

Insurance Company Average Annual Rates
Allstate $2,815
American Family $2,963
Farmers $2,459
GEICO $2,315
Liberty Mutual $4,387
Nationwide $2,704
Progressive $2,205
State Farm $2,165
Travelers $5,825
USAA $1,825

What affects Fairfield, Iowa auto insurance rates?

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

Commute Times in Fairfield

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Fairfield, IA is 10.0 minutes according to City-Data.

Traffic in Fairfield

How is traffic in Fairfield, Iowa? Inrix data shows that Fairfield, IA traffic makes it the 658th-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Fairfield, IA

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

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