Buy Cheap Luther, IA Auto Insurance (2021)

Luther, IA auto insurance rates average $244 a month. Minimum auto insurance requirements in Luther, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Luther, IA, compare Luther 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

  • The most expensive auto insurance company in Luther after a DUI is Travelers
  • Average auto insurance rates in Luther, IA are $244/month
  • Average auto insurance rates in Luther, IA after a DUI are $3,531/year

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

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

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

Luther, IA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Luther, Iowa

Insurance Company Poor Fair Good
Allstate $3,562 $2,830 $2,555
American Family $3,602 $2,648 $2,230
Farmers $2,880 $2,389 $2,262
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,190 $3,825 $3,012
Nationwide $3,195 $2,510 $2,196
Progressive $2,699 $2,188 $1,985
State Farm $3,157 $1,953 $1,541
Travelers $6,028 $5,151 $4,909
USAA $2,314 $1,590 $1,377

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Luther, 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 $1,927 $1,837 $1,724 $1,750 $5,818 $6,592 $2,076 $2,133
American Family $1,816 $1,816 $1,628 $1,628 $4,894 $6,832 $1,816 $2,184
Farmers $1,546 $1,575 $1,383 $1,513 $4,711 $5,019 $2,094 $2,240
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,079 $2,258 $1,831 $2,225 $10,064 $11,330 $2,356 $2,597
Nationwide $1,814 $1,858 $1,617 $1,722 $4,260 $5,495 $2,063 $2,240
Progressive $1,596 $1,532 $1,317 $1,367 $4,002 $4,513 $1,920 $2,079
State Farm $1,447 $1,447 $1,269 $1,269 $3,891 $4,937 $1,626 $1,851
Travelers $2,404 $2,452 $2,343 $2,347 $10,763 $17,142 $2,504 $2,949
USAA $1,187 $1,203 $1,089 $1,114 $3,145 $3,347 $1,424 $1,574

Buy Cheap Luther, IA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Luther, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,818 $6,592
American Family $4,894 $6,832
Farmers $4,711 $5,019
GEICO $4,328 $4,022
Liberty Mutual $10,064 $11,330
Nationwide $4,260 $5,495
Progressive $4,002 $4,513
State Farm $3,891 $4,937
Travelers $10,763 $17,142
USAA $3,145 $3,347

Buy Cheap Luther, IA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Luther, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,724 $1,750
American Family $1,628 $1,628
Farmers $1,383 $1,513
GEICO $1,710 $1,564
Liberty Mutual $1,831 $2,225
Nationwide $1,617 $1,722
Progressive $1,317 $1,367
State Farm $1,269 $1,269
Travelers $2,343 $2,347
USAA $1,089 $1,114

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

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

Annual Auto Insurance Rates by Coverage Level in Luther, Iowa

Insurance Company Low Medium High
Allstate $2,889 $2,985 $3,072
American Family $2,831 $2,985 $2,665
Farmers $2,401 $2,518 $2,611
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,163 $4,334 $4,531
Nationwide $2,743 $2,624 $2,534
Progressive $2,161 $2,300 $2,412
State Farm $2,111 $2,229 $2,311
Travelers $5,049 $5,444 $5,596
USAA $1,663 $1,767 $1,852

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Find Cheap Luther, IA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Luther, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,911 $3,053
American Family $2,794 $2,860
Farmers $2,510 $2,510
GEICO $2,294 $2,387
Liberty Mutual $4,343 $4,343
Nationwide $2,634 $2,634
Progressive $2,291 $2,291
State Farm $2,164 $2,270
Travelers $5,363 $5,363
USAA $1,696 $1,825

Find Cheap Luther, IA Auto Insurance Rates by Driving Record

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

Annual Luther, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,512 $3,059 $3,528 $2,831
American Family $2,040 $2,996 $3,875 $2,397
Farmers $2,137 $2,655 $2,697 $2,551
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,751 $4,641 $4,732 $4,247
Nationwide $1,910 $2,738 $3,727 $2,159
Progressive $1,840 $3,026 $1,996 $2,302
State Farm $2,054 $2,380 $2,217 $2,217
Travelers $3,903 $5,214 $6,985 $5,350
USAA $1,347 $1,806 $2,344 $1,545

Find Cheap Luther, IA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Luther, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,528
American Family $3,875
Farmers $2,697
GEICO $3,206
Liberty Mutual $4,732
Nationwide $3,727
Progressive $1,996
State Farm $2,217
Travelers $6,985
USAA $2,344

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

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

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

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

Average Annual Auto Insurance Rates by Company in Luther, Iowa

Insurance Company Average Annual Rates
Allstate $2,982
American Family $2,827
Farmers $2,510
GEICO $2,341
Liberty Mutual $4,343
Nationwide $2,634
Progressive $2,291
State Farm $2,217
Travelers $5,363
USAA $1,760

What affects Luther, Iowa auto insurance rates?

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

Commute Times in Luther

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Luther, IA is 29.4 minutes according to City-Data.

Compare Auto Insurance Quotes in Luther, IA

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

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