Buy Cheap Lucas, IA Auto Insurance (2021)

Lucas, IA auto insurance rates average $253 a month. Minimum auto insurance requirements in Lucas, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Lucas, IA, compare Lucas 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 Lucas, IA are $253/month
  • Average auto insurance rates in Lucas, IA after a DUI are $3,666/year
  • Average auto insurance rates in Lucas, IA for teens drivers are $5,723/year

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

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

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

Lucas, IA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Lucas, Iowa

Insurance Company Poor Fair Good
Allstate $3,636 $2,887 $2,596
American Family $4,048 $2,975 $2,496
Farmers $2,783 $2,302 $2,180
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,311 $3,886 $3,061
Nationwide $3,226 $2,510 $2,203
Progressive $2,942 $2,368 $2,139
State Farm $3,420 $2,115 $1,668
Travelers $6,319 $5,391 $5,135
USAA $2,456 $1,684 $1,458

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lucas, 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 $2,023 $1,947 $1,788 $1,820 $5,758 $6,476 $2,215 $2,290
American Family $2,051 $2,051 $1,832 $1,832 $5,438 $7,652 $2,051 $2,474
Farmers $1,506 $1,534 $1,351 $1,474 $4,505 $4,797 $2,033 $2,173
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,147 $2,334 $1,883 $2,289 $10,152 $11,432 $2,432 $2,686
Nationwide $1,857 $1,913 $1,650 $1,770 $4,173 $5,435 $2,090 $2,282
Progressive $1,768 $1,709 $1,459 $1,511 $4,223 $4,772 $2,128 $2,296
State Farm $1,611 $1,611 $1,397 $1,397 $4,106 $5,240 $1,805 $2,040
Travelers $2,545 $2,598 $2,467 $2,474 $11,202 $17,852 $2,644 $3,137
USAA $1,253 $1,270 $1,147 $1,174 $3,349 $3,563 $1,506 $1,665

Buy Cheap Lucas, IA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lucas, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,758 $6,476
American Family $5,438 $7,652
Farmers $4,505 $4,797
GEICO $4,328 $4,022
Liberty Mutual $10,152 $11,432
Nationwide $4,173 $5,435
Progressive $4,223 $4,772
State Farm $4,106 $5,240
Travelers $11,202 $17,852
USAA $3,349 $3,563

Buy Cheap Lucas, IA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lucas, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,788 $1,820
American Family $1,832 $1,832
Farmers $1,351 $1,474
GEICO $1,710 $1,564
Liberty Mutual $1,883 $2,289
Nationwide $1,650 $1,770
Progressive $1,459 $1,511
State Farm $1,397 $1,397
Travelers $2,467 $2,474
USAA $1,147 $1,174

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

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

Annual Auto Insurance Rates by Coverage Level in Lucas, Iowa

Insurance Company Low Medium High
Allstate $2,948 $3,043 $3,129
American Family $3,197 $3,348 $2,973
Farmers $2,314 $2,429 $2,522
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,243 $4,411 $4,604
Nationwide $2,780 $2,625 $2,533
Progressive $2,345 $2,491 $2,613
State Farm $2,299 $2,412 $2,491
Travelers $5,285 $5,700 $5,860
USAA $1,772 $1,872 $1,954

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Find Cheap Lucas, IA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Lucas, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,967 $3,112
American Family $3,136 $3,210
Farmers $2,422 $2,422
GEICO $2,294 $2,387
Liberty Mutual $4,419 $4,419
Nationwide $2,646 $2,646
Progressive $2,483 $2,483
State Farm $2,343 $2,458
Travelers $5,615 $5,615
USAA $1,798 $1,934

Find Cheap Lucas, IA Auto Insurance Rates by Driving Record

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

Annual Lucas, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,589 $3,128 $3,551 $2,891
American Family $2,291 $3,348 $4,357 $2,695
Farmers $2,061 $2,560 $2,601 $2,465
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,820 $4,717 $4,820 $4,320
Nationwide $1,902 $2,753 $3,772 $2,159
Progressive $2,000 $3,260 $2,169 $2,504
State Farm $2,239 $2,562 $2,401 $2,401
Travelers $4,097 $5,453 $7,301 $5,608
USAA $1,427 $1,912 $2,487 $1,638

Find Cheap Lucas, IA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lucas, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,551
American Family $4,357
Farmers $2,601
GEICO $3,206
Liberty Mutual $4,820
Nationwide $3,772
Progressive $2,169
State Farm $2,401
Travelers $7,301
USAA $2,487

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

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

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

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

Average Annual Auto Insurance Rates by Company in Lucas, Iowa

Insurance Company Average Annual Rates
Allstate $3,040
American Family $3,173
Farmers $2,422
GEICO $2,341
Liberty Mutual $4,419
Nationwide $2,646
Progressive $2,483
State Farm $2,401
Travelers $5,615
USAA $1,866

What affects Lucas, Iowa auto insurance rates?

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

Commute Times in Lucas

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Lucas, IA is 25.2 minutes according to City-Data.

Compare Auto Insurance Quotes in Lucas, IA

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

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