Buy Cheap Hartwick, IA Auto Insurance (2021)

Hartwick, IA auto insurance rates average $243 a month. Minimum auto insurance requirements in Hartwick, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Hartwick, IA, compare Hartwick 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 Hartwick is Travelers
  • The most expensive auto insurance company in Hartwick after a DUI is Travelers
  • Average auto insurance rates in Hartwick, IA are $243/month

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

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

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

Hartwick, IA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Hartwick, Iowa

Insurance Company Poor Fair Good
Allstate $3,532 $2,809 $2,523
American Family $3,747 $2,755 $2,315
Farmers $2,682 $2,221 $2,104
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,078 $3,771 $2,965
Nationwide $2,881 $2,258 $1,978
Progressive $2,707 $2,193 $1,989
State Farm $3,113 $1,926 $1,519
Travelers $6,351 $5,436 $5,185
USAA $2,399 $1,648 $1,427

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Hartwick, 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 $1,982 $1,913 $1,751 $1,784 $5,557 $6,230 $2,175 $2,245
American Family $1,899 $1,899 $1,698 $1,698 $5,047 $7,088 $1,899 $2,287
Farmers $1,448 $1,476 $1,298 $1,418 $4,354 $4,641 $1,958 $2,091
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,005 $2,172 $1,770 $2,150 $10,026 $11,277 $2,271 $2,501
Nationwide $1,649 $1,693 $1,470 $1,569 $3,796 $4,905 $1,867 $2,028
Progressive $1,600 $1,536 $1,319 $1,371 $4,012 $4,524 $1,925 $2,085
State Farm $1,431 $1,431 $1,254 $1,254 $3,825 $4,856 $1,608 $1,828
Travelers $2,504 $2,552 $2,452 $2,454 $11,429 $18,187 $2,616 $3,064
USAA $1,224 $1,238 $1,123 $1,146 $3,285 $3,490 $1,468 $1,622

Buy Cheap Hartwick, IA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Hartwick, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,557 $6,230
American Family $5,047 $7,088
Farmers $4,354 $4,641
GEICO $4,328 $4,022
Liberty Mutual $10,026 $11,277
Nationwide $3,796 $4,905
Progressive $4,012 $4,524
State Farm $3,825 $4,856
Travelers $11,429 $18,187
USAA $3,285 $3,490

Buy Cheap Hartwick, IA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Hartwick, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,751 $1,784
American Family $1,698 $1,698
Farmers $1,298 $1,418
GEICO $1,710 $1,564
Liberty Mutual $1,770 $2,150
Nationwide $1,470 $1,569
Progressive $1,319 $1,371
State Farm $1,254 $1,254
Travelers $2,452 $2,454
USAA $1,123 $1,146

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

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

Annual Auto Insurance Rates by Coverage Level in Hartwick, Iowa

Insurance Company Low Medium High
Allstate $2,861 $2,958 $3,045
American Family $2,954 $3,102 $2,761
Farmers $2,233 $2,343 $2,431
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,096 $4,264 $4,454
Nationwide $2,476 $2,359 $2,281
Progressive $2,173 $2,305 $2,411
State Farm $2,083 $2,198 $2,277
Travelers $5,338 $5,741 $5,892
USAA $1,732 $1,830 $1,911

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Find Cheap Hartwick, IA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Hartwick, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,884 $3,025
American Family $2,905 $2,973
Farmers $2,336 $2,336
GEICO $2,294 $2,387
Liberty Mutual $4,271 $4,271
Nationwide $2,372 $2,372
Progressive $2,296 $2,296
State Farm $2,133 $2,239
Travelers $5,657 $5,657
USAA $1,758 $1,891

Find Cheap Hartwick, IA Auto Insurance Rates by Driving Record

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

Annual Hartwick, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,527 $3,043 $3,437 $2,812
American Family $2,121 $3,111 $4,031 $2,494
Farmers $1,989 $2,468 $2,507 $2,378
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,687 $4,571 $4,649 $4,179
Nationwide $1,721 $2,466 $3,356 $1,945
Progressive $1,844 $3,033 $2,001 $2,308
State Farm $2,027 $2,345 $2,186 $2,186
Travelers $4,106 $5,508 $7,381 $5,634
USAA $1,395 $1,870 $2,432 $1,602

Find Cheap Hartwick, IA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Hartwick, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,437
American Family $4,031
Farmers $2,507
GEICO $3,206
Liberty Mutual $4,649
Nationwide $3,356
Progressive $2,001
State Farm $2,186
Travelers $7,381
USAA $2,432

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

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

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

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

Average Annual Auto Insurance Rates by Company in Hartwick, Iowa

Insurance Company Average Annual Rates
Allstate $2,955
American Family $2,939
Farmers $2,336
GEICO $2,341
Liberty Mutual $4,271
Nationwide $2,372
Progressive $2,296
State Farm $2,186
Travelers $5,657
USAA $1,825

What affects Hartwick, Iowa auto insurance rates?

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

Commute Times in Hartwick

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Hartwick, IA is 26.6 minutes according to City-Data.

Compare Auto Insurance Quotes in Hartwick, IA

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

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