Buy Cheap Hardy, IA Auto Insurance (2021)

Hardy, IA auto insurance rates average $246 a month. Minimum auto insurance requirements in Hardy, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Hardy, IA, compare Hardy 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 Hardy is Travelers
  • The most expensive auto insurance company in Hardy after a DUI is Travelers
  • Average auto insurance rates in Hardy, IA after a DUI are $3,551/year

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

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

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

Hardy, IA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Hardy, Iowa

Insurance Company Poor Fair Good
Allstate $3,174 $2,526 $2,275
American Family $3,960 $2,910 $2,445
Farmers $2,724 $2,261 $2,142
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,450 $3,976 $3,129
Nationwide $2,864 $2,248 $1,970
Progressive $2,936 $2,374 $2,152
State Farm $3,059 $1,892 $1,493
Travelers $6,311 $5,388 $5,133
USAA $2,466 $1,692 $1,465

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Hardy, 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 $1,760 $1,690 $1,567 $1,594 $5,067 $5,706 $1,913 $1,968
American Family $2,002 $2,002 $1,790 $1,790 $5,344 $7,497 $2,002 $2,412
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 $2,175 $2,363 $1,911 $2,323 $10,438 $11,753 $2,464 $2,720
Nationwide $1,640 $1,682 $1,464 $1,560 $3,780 $4,882 $1,858 $2,019
Progressive $1,743 $1,676 $1,436 $1,492 $4,314 $4,869 $2,097 $2,269
State Farm $1,381 $1,381 $1,218 $1,218 $3,822 $4,832 $1,554 $1,778
Travelers $2,526 $2,578 $2,452 $2,459 $11,220 $17,916 $2,625 $3,107
USAA $1,255 $1,270 $1,149 $1,174 $3,380 $3,592 $1,508 $1,666

Buy Cheap Hardy, IA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Hardy, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,067 $5,706
American Family $5,344 $7,497
Farmers $4,430 $4,719
GEICO $4,328 $4,022
Liberty Mutual $10,438 $11,753
Nationwide $3,780 $4,882
Progressive $4,314 $4,869
State Farm $3,822 $4,832
Travelers $11,220 $17,916
USAA $3,380 $3,592

Buy Cheap Hardy, IA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Hardy, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,567 $1,594
American Family $1,790 $1,790
Farmers $1,318 $1,438
GEICO $1,710 $1,564
Liberty Mutual $1,911 $2,323
Nationwide $1,464 $1,560
Progressive $1,436 $1,492
State Farm $1,218 $1,218
Travelers $2,452 $2,459
USAA $1,149 $1,174

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

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

Annual Auto Insurance Rates by Coverage Level in Hardy, Iowa

Insurance Company Low Medium High
Allstate $2,565 $2,661 $2,748
American Family $3,125 $3,277 $2,913
Farmers $2,280 $2,383 $2,464
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,336 $4,509 $4,710
Nationwide $2,455 $2,351 $2,276
Progressive $2,346 $2,495 $2,620
State Farm $2,043 $2,160 $2,241
Travelers $5,271 $5,696 $5,865
USAA $1,780 $1,880 $1,963

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Find Cheap Hardy, IA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Hardy, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,596 $2,721
American Family $3,069 $3,141
Farmers $2,376 $2,376
GEICO $2,294 $2,387
Liberty Mutual $4,518 $4,518
Nationwide $2,361 $2,361
Progressive $2,487 $2,487
State Farm $2,097 $2,199
Travelers $5,611 $5,611
USAA $1,806 $1,943

Find Cheap Hardy, IA Auto Insurance Rates by Driving Record

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

Annual Hardy, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,261 $2,734 $3,111 $2,528
American Family $2,242 $3,279 $4,262 $2,636
Farmers $2,024 $2,511 $2,547 $2,420
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,903 $4,827 $4,926 $4,418
Nationwide $1,713 $2,454 $3,340 $1,936
Progressive $1,998 $3,280 $2,168 $2,502
State Farm $1,983 $2,313 $2,148 $2,148
Travelers $4,090 $5,450 $7,302 $5,601
USAA $1,432 $1,922 $2,500 $1,643

Find Cheap Hardy, IA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Hardy, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,111
American Family $4,262
Farmers $2,547
GEICO $3,206
Liberty Mutual $4,926
Nationwide $3,340
Progressive $2,168
State Farm $2,148
Travelers $7,302
USAA $2,500

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

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

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

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

Average Annual Auto Insurance Rates by Company in Hardy, Iowa

Insurance Company Average Annual Rates
Allstate $2,658
American Family $3,105
Farmers $2,376
GEICO $2,341
Liberty Mutual $4,518
Nationwide $2,361
Progressive $2,487
State Farm $2,148
Travelers $5,611
USAA $1,874

Compare Auto Insurance Quotes in Hardy, IA

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

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