Buy Cheap Larchwood, IA Auto Insurance (2021)

Larchwood, IA auto insurance rates average $243 a month. Minimum auto insurance requirements in Larchwood, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Larchwood, IA, compare Larchwood 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

  • Average auto insurance rates in Larchwood, IA after a DUI are $3,510/year
  • The most expensive auto insurance company in Larchwood is Travelers
  • The most expensive auto insurance company in Larchwood after a DUI is Travelers

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

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

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

Larchwood, IA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Larchwood, Iowa

Insurance Company Poor Fair Good
Allstate $3,929 $3,118 $2,800
American Family $3,602 $2,648 $2,230
Farmers $2,805 $2,331 $2,208
GEICO $2,691 $2,240 $1,788
Liberty Mutual $6,328 $3,898 $3,070
Nationwide $3,071 $2,408 $2,111
Progressive $2,857 $2,313 $2,095
State Farm $2,984 $1,846 $1,457
Travelers $5,728 $4,886 $4,654
USAA $2,427 $1,667 $1,444

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Larchwood, 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 $2,160 $2,073 $1,920 $1,954 $6,294 $7,089 $2,351 $2,417
American Family $1,816 $1,816 $1,628 $1,628 $4,894 $6,832 $1,816 $2,184
Farmers $1,510 $1,539 $1,351 $1,477 $4,580 $4,887 $2,048 $2,192
GEICO $1,821 $1,640 $1,620 $1,483 $4,142 $3,866 $1,733 $1,612
Liberty Mutual $2,146 $2,333 $1,886 $2,294 $10,198 $11,487 $2,431 $2,684
Nationwide $1,757 $1,802 $1,567 $1,671 $4,050 $5,238 $1,990 $2,164
Progressive $1,702 $1,635 $1,404 $1,459 $4,195 $4,736 $2,041 $2,201
State Farm $1,350 $1,350 $1,191 $1,191 $3,720 $4,712 $1,519 $1,731
Travelers $2,313 $2,361 $2,243 $2,250 $10,142 $16,154 $2,404 $2,848
USAA $1,239 $1,254 $1,136 $1,161 $3,318 $3,528 $1,487 $1,644

Buy Cheap Larchwood, IA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Larchwood, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,294 $7,089
American Family $4,894 $6,832
Farmers $4,580 $4,887
GEICO $4,142 $3,866
Liberty Mutual $10,198 $11,487
Nationwide $4,050 $5,238
Progressive $4,195 $4,736
State Farm $3,720 $4,712
Travelers $10,142 $16,154
USAA $3,318 $3,528

Buy Cheap Larchwood, IA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Larchwood, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,920 $1,954
American Family $1,628 $1,628
Farmers $1,351 $1,477
GEICO $1,620 $1,483
Liberty Mutual $1,886 $2,294
Nationwide $1,567 $1,671
Progressive $1,404 $1,459
State Farm $1,191 $1,191
Travelers $2,243 $2,250
USAA $1,136 $1,161

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

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

Annual Auto Insurance Rates by Coverage Level in Larchwood, Iowa

Insurance Company Low Medium High
Allstate $3,145 $3,287 $3,416
American Family $2,831 $2,985 $2,665
Farmers $2,348 $2,456 $2,540
GEICO $2,141 $2,240 $2,338
Liberty Mutual $4,248 $4,422 $4,626
Nationwide $2,624 $2,522 $2,444
Progressive $2,254 $2,428 $2,582
State Farm $1,985 $2,109 $2,193
Travelers $4,786 $5,167 $5,316
USAA $1,748 $1,852 $1,938

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Find Cheap Larchwood, IA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Larchwood, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,204 $3,361
American Family $2,794 $2,860
Farmers $2,448 $2,448
GEICO $2,195 $2,285
Liberty Mutual $4,432 $4,432
Nationwide $2,530 $2,530
Progressive $2,422 $2,422
State Farm $2,045 $2,147
Travelers $5,089 $5,089
USAA $1,779 $1,913

Find Cheap Larchwood, IA Auto Insurance Rates by Driving Record

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

Annual Larchwood, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,787 $3,381 $3,843 $3,118
American Family $2,040 $2,996 $3,875 $2,397
Farmers $2,088 $2,586 $2,622 $2,496
GEICO $1,702 $2,373 $3,058 $1,826
Liberty Mutual $3,829 $4,733 $4,834 $4,333
Nationwide $1,831 $2,631 $3,586 $2,072
Progressive $1,945 $3,191 $2,114 $2,435
State Farm $1,936 $2,256 $2,096 $2,096
Travelers $3,717 $4,944 $6,614 $5,084
USAA $1,411 $1,893 $2,461 $1,619

Find Cheap Larchwood, IA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Larchwood, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,843
American Family $3,875
Farmers $2,622
GEICO $3,058
Liberty Mutual $4,834
Nationwide $3,586
Progressive $2,114
State Farm $2,096
Travelers $6,614
USAA $2,461

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

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

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

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

Average Annual Auto Insurance Rates by Company in Larchwood, Iowa

Insurance Company Average Annual Rates
Allstate $3,282
American Family $2,827
Farmers $2,448
GEICO $2,240
Liberty Mutual $4,432
Nationwide $2,530
Progressive $2,422
State Farm $2,096
Travelers $5,089
USAA $1,846

What affects Larchwood, Iowa auto insurance rates?

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

Commute Times in Larchwood

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Larchwood, IA is 22.9 minutes according to City-Data.

Compare Auto Insurance Quotes in Larchwood, IA

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

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