Buy Cheap Ionia, IA Auto Insurance (2021)

Ionia, IA auto insurance rates average $246 a month. Minimum auto insurance requirements in Ionia, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Ionia, IA, compare Ionia 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
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UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Ionia, IA are $246/month
  • Average auto insurance rates in Ionia, IA after a DUI are $3,554/year
  • The most expensive auto insurance company in Ionia after a DUI is Travelers

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

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

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

Ionia, IA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Ionia, Iowa

Insurance Company Poor Fair Good
Allstate $3,447 $2,740 $2,463
American Family $3,834 $2,819 $2,370
Farmers $2,752 $2,286 $2,166
GEICO $2,783 $2,315 $1,848
Liberty Mutual $6,500 $4,009 $3,152
Nationwide $3,076 $2,399 $2,107
Progressive $2,763 $2,220 $2,006
State Farm $3,109 $1,923 $1,517
Travelers $6,151 $5,240 $4,988
USAA $2,419 $1,660 $1,437

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Ionia, 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 $1,930 $1,860 $1,707 $1,739 $5,435 $6,101 $2,114 $2,182
American Family $1,938 $1,938 $1,734 $1,734 $5,181 $7,262 $1,938 $2,335
Farmers $1,483 $1,511 $1,327 $1,449 $4,490 $4,788 $2,009 $2,153
GEICO $1,893 $1,693 $1,696 $1,552 $4,278 $3,972 $1,787 $1,651
Liberty Mutual $2,169 $2,353 $1,903 $2,309 $10,599 $11,918 $2,459 $2,717
Nationwide $1,773 $1,824 $1,578 $1,690 $3,990 $5,189 $1,997 $2,178
Progressive $1,662 $1,607 $1,371 $1,420 $3,953 $4,466 $2,000 $2,157
State Farm $1,431 $1,431 $1,253 $1,253 $3,815 $4,844 $1,608 $1,828
Travelers $2,510 $2,565 $2,418 $2,428 $10,824 $17,213 $2,603 $3,114
USAA $1,234 $1,249 $1,130 $1,155 $3,305 $3,514 $1,482 $1,638

Buy Cheap Ionia, IA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Ionia, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,435 $6,101
American Family $5,181 $7,262
Farmers $4,490 $4,788
GEICO $4,278 $3,972
Liberty Mutual $10,599 $11,918
Nationwide $3,990 $5,189
Progressive $3,953 $4,466
State Farm $3,815 $4,844
Travelers $10,824 $17,213
USAA $3,305 $3,514

Buy Cheap Ionia, IA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Ionia, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,707 $1,739
American Family $1,734 $1,734
Farmers $1,327 $1,449
GEICO $1,696 $1,552
Liberty Mutual $1,903 $2,309
Nationwide $1,578 $1,690
Progressive $1,371 $1,420
State Farm $1,253 $1,253
Travelers $2,418 $2,428
USAA $1,130 $1,155

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

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

Annual Auto Insurance Rates by Coverage Level in Ionia, Iowa

Insurance Company Low Medium High
Allstate $2,789 $2,886 $2,974
American Family $3,024 $3,174 $2,824
Farmers $2,304 $2,409 $2,490
GEICO $2,192 $2,316 $2,437
Liberty Mutual $4,386 $4,546 $4,728
Nationwide $2,636 $2,513 $2,433
Progressive $2,203 $2,337 $2,449
State Farm $2,081 $2,195 $2,273
Travelers $5,164 $5,540 $5,674
USAA $1,745 $1,844 $1,926

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Find Cheap Ionia, IA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Ionia, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,815 $2,952
American Family $2,973 $3,043
Farmers $2,401 $2,401
GEICO $2,269 $2,362
Liberty Mutual $4,553 $4,553
Nationwide $2,527 $2,527
Progressive $2,330 $2,330
State Farm $2,130 $2,235
Travelers $5,459 $5,459
USAA $1,771 $1,905

Find Cheap Ionia, IA Auto Insurance Rates by Driving Record

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

Annual Ionia, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,462 $2,968 $3,359 $2,744
American Family $2,171 $3,180 $4,126 $2,553
Farmers $2,047 $2,538 $2,573 $2,447
GEICO $1,756 $2,451 $3,170 $1,884
Liberty Mutual $3,934 $4,865 $4,961 $4,453
Nationwide $1,820 $2,629 $3,597 $2,064
Progressive $1,877 $3,056 $2,035 $2,350
State Farm $2,025 $2,341 $2,183 $2,183
Travelers $3,994 $5,300 $7,086 $5,458
USAA $1,405 $1,885 $2,451 $1,613

Find Cheap Ionia, IA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Ionia, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,359
American Family $4,126
Farmers $2,573
GEICO $3,170
Liberty Mutual $4,961
Nationwide $3,597
Progressive $2,035
State Farm $2,183
Travelers $7,086
USAA $2,451

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

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

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

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

Average Annual Auto Insurance Rates by Company in Ionia, Iowa

Insurance Company Average Annual Rates
Allstate $2,883
American Family $3,008
Farmers $2,401
GEICO $2,315
Liberty Mutual $4,553
Nationwide $2,527
Progressive $2,330
State Farm $2,183
Travelers $5,459
USAA $1,838

What affects Ionia, Iowa auto insurance rates?

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

Commute Times in Ionia

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Ionia, IA is 24.7 minutes according to City-Data.

Compare Auto Insurance Quotes in Ionia, IA

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

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