Buy Cheap Garner, IA Auto Insurance (2021)

Garner, IA auto insurance rates average $240 a month. Minimum auto insurance requirements in Garner, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Garner, IA, compare Garner 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 Garner is Travelers
  • Average auto insurance rates in Garner, IA after a DUI are $3,479/year
  • The most expensive auto insurance company in Garner after a DUI is Travelers

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

See how Garner, IA car insurance rates compare to Davenport auto insurance rates, West Des Moines auto insurance rates, and Sioux City auto insurance rates before you read more about the cost of auto insurance in Garner.

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

Garner, IA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Garner, Iowa

Insurance Company Poor Fair Good
Allstate $3,313 $2,637 $2,369
American Family $3,724 $2,737 $2,301
Farmers $2,724 $2,261 $2,142
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,502 $4,014 $3,156
Nationwide $2,920 $2,291 $2,008
Progressive $2,350 $1,914 $1,740
State Farm $2,860 $1,770 $1,397
Travelers $6,163 $5,265 $5,016
USAA $2,504 $1,720 $1,490

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Garner, 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 $1,884 $1,884 $1,686 $1,686 $5,028 $7,049 $1,884 $2,268
Farmers $1,472 $1,500 $1,318 $1,438 $4,430 $4,719 $1,992 $2,136
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,166 $2,350 $1,905 $2,314 $10,614 $11,942 $2,455 $2,710
Nationwide $1,670 $1,713 $1,490 $1,588 $3,859 $4,983 $1,893 $2,056
Progressive $1,376 $1,314 $1,136 $1,182 $3,557 $4,005 $1,653 $1,791
State Farm $1,299 $1,299 $1,144 $1,144 $3,556 $4,501 $1,461 $1,668
Travelers $2,458 $2,507 $2,399 $2,401 $10,998 $17,509 $2,560 $3,016
USAA $1,271 $1,286 $1,166 $1,188 $3,450 $3,663 $1,527 $1,687

Buy Cheap Garner, IA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Garner, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,209 $5,839
American Family $5,028 $7,049
Farmers $4,430 $4,719
GEICO $4,328 $4,022
Liberty Mutual $10,614 $11,942
Nationwide $3,859 $4,983
Progressive $3,557 $4,005
State Farm $3,556 $4,501
Travelers $10,998 $17,509
USAA $3,450 $3,663

Buy Cheap Garner, IA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Garner, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,648 $1,680
American Family $1,686 $1,686
Farmers $1,318 $1,438
GEICO $1,710 $1,564
Liberty Mutual $1,905 $2,314
Nationwide $1,490 $1,588
Progressive $1,136 $1,182
State Farm $1,144 $1,144
Travelers $2,399 $2,401
USAA $1,166 $1,188

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

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

Annual Auto Insurance Rates by Coverage Level in Garner, Iowa

Insurance Company Low Medium High
Allstate $2,679 $2,776 $2,864
American Family $2,933 $3,084 $2,747
Farmers $2,280 $2,383 $2,464
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,379 $4,548 $4,744
Nationwide $2,505 $2,396 $2,318
Progressive $1,882 $2,010 $2,113
State Farm $1,911 $2,020 $2,097
Travelers $5,154 $5,564 $5,725
USAA $1,809 $1,911 $1,995

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Find Cheap Garner, IA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Garner, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,707 $2,838
American Family $2,887 $2,955
Farmers $2,376 $2,376
GEICO $2,294 $2,387
Liberty Mutual $4,557 $4,557
Nationwide $2,406 $2,406
Progressive $2,002 $2,002
State Farm $1,961 $2,057
Travelers $5,481 $5,481
USAA $1,835 $1,974

Find Cheap Garner, IA Auto Insurance Rates by Driving Record

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

Annual Garner, 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 $2,108 $3,092 $4,006 $2,478
Farmers $2,024 $2,511 $2,547 $2,420
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,935 $4,872 $4,965 $4,457
Nationwide $1,746 $2,502 $3,404 $1,973
Progressive $1,606 $2,652 $1,743 $2,006
State Farm $1,857 $2,161 $2,009 $2,009
Travelers $3,986 $5,326 $7,141 $5,472
USAA $1,454 $1,954 $2,541 $1,670

Find Cheap Garner, IA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Garner, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,223
American Family $4,006
Farmers $2,547
GEICO $3,206
Liberty Mutual $4,965
Nationwide $3,404
Progressive $1,743
State Farm $2,009
Travelers $7,141
USAA $2,541

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

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

Best Annual Auto Insurance Rates by Company in Garner, Iowa

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

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Find Cheap Garner, Iowa Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Garner, Iowa

Insurance Company Average Annual Rates
Allstate $2,773
American Family $2,921
Farmers $2,376
GEICO $2,341
Liberty Mutual $4,557
Nationwide $2,406
Progressive $2,002
State Farm $2,009
Travelers $5,481
USAA $1,905

What affects Garner, Iowa auto insurance rates?

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

Commute Times in Garner

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Garner, IA is 15.4 minutes according to City-Data.

Compare Auto Insurance Quotes in Garner, IA

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

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