Buy Cheap Luzerne, IA Auto Insurance (2021)

Luzerne, IA auto insurance rates average $248 a month. Minimum auto insurance requirements in Luzerne, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Luzerne, IA, compare Luzerne 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 Luzerne is Travelers
  • The most expensive auto insurance company in Luzerne after a DUI is Travelers
  • Average auto insurance rates in Luzerne, IA for teens drivers are $5,671/year

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

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

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

Luzerne, IA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Luzerne, Iowa

Insurance Company Poor Fair Good
Allstate $3,530 $2,808 $2,522
American Family $4,001 $2,940 $2,468
Farmers $2,682 $2,221 $2,104
GEICO $2,783 $2,315 $1,848
Liberty Mutual $5,992 $3,721 $2,928
Nationwide $3,026 $2,378 $2,082
Progressive $2,789 $2,259 $2,049
State Farm $3,318 $2,052 $1,618
Travelers $6,493 $5,560 $5,303
USAA $2,421 $1,661 $1,438

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Luzerne, 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 $1,981 $1,912 $1,750 $1,783 $5,556 $6,229 $2,173 $2,243
American Family $2,025 $2,025 $1,810 $1,810 $5,387 $7,569 $2,025 $2,442
Farmers $1,448 $1,476 $1,298 $1,418 $4,354 $4,641 $1,958 $2,091
GEICO $1,893 $1,693 $1,696 $1,552 $4,278 $3,972 $1,787 $1,651
Liberty Mutual $1,979 $2,144 $1,748 $2,124 $9,884 $11,119 $2,243 $2,467
Nationwide $1,722 $1,764 $1,537 $1,636 $4,030 $5,193 $1,957 $2,124
Progressive $1,647 $1,582 $1,357 $1,409 $4,132 $4,660 $1,984 $2,154
State Farm $1,526 $1,526 $1,337 $1,337 $4,075 $5,178 $1,714 $1,946
Travelers $2,549 $2,597 $2,498 $2,501 $11,700 $18,665 $2,663 $3,111
USAA $1,234 $1,249 $1,130 $1,155 $3,311 $3,520 $1,482 $1,637

Buy Cheap Luzerne, IA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Luzerne, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,556 $6,229
American Family $5,387 $7,569
Farmers $4,354 $4,641
GEICO $4,278 $3,972
Liberty Mutual $9,884 $11,119
Nationwide $4,030 $5,193
Progressive $4,132 $4,660
State Farm $4,075 $5,178
Travelers $11,700 $18,665
USAA $3,311 $3,520

Buy Cheap Luzerne, IA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Luzerne, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,750 $1,783
American Family $1,810 $1,810
Farmers $1,298 $1,418
GEICO $1,696 $1,552
Liberty Mutual $1,748 $2,124
Nationwide $1,537 $1,636
Progressive $1,357 $1,409
State Farm $1,337 $1,337
Travelers $2,498 $2,501
USAA $1,130 $1,155

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

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

Annual Auto Insurance Rates by Coverage Level in Luzerne, Iowa

Insurance Company Low Medium High
Allstate $2,860 $2,957 $3,044
American Family $3,158 $3,310 $2,941
Farmers $2,233 $2,343 $2,431
GEICO $2,192 $2,316 $2,437
Liberty Mutual $4,040 $4,207 $4,394
Nationwide $2,594 $2,487 $2,405
Progressive $2,244 $2,374 $2,479
State Farm $2,217 $2,343 $2,429
Travelers $5,437 $5,873 $6,046
USAA $1,749 $1,845 $1,925

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Find Cheap Luzerne, IA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Luzerne, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,883 $3,024
American Family $3,100 $3,173
Farmers $2,336 $2,336
GEICO $2,269 $2,362
Liberty Mutual $4,214 $4,214
Nationwide $2,495 $2,495
Progressive $2,366 $2,366
State Farm $2,273 $2,386
Travelers $5,785 $5,785
USAA $1,773 $1,907

Find Cheap Luzerne, IA Auto Insurance Rates by Driving Record

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

Annual Luzerne, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,526 $3,041 $3,435 $2,811
American Family $2,265 $3,311 $4,306 $2,664
Farmers $1,989 $2,468 $2,507 $2,378
GEICO $1,756 $2,451 $3,170 $1,884
Liberty Mutual $3,637 $4,509 $4,586 $4,123
Nationwide $1,813 $2,594 $3,526 $2,048
Progressive $1,900 $3,126 $2,060 $2,378
State Farm $2,160 $2,499 $2,330 $2,330
Travelers $4,199 $5,632 $7,551 $5,761
USAA $1,407 $1,885 $2,453 $1,615

Find Cheap Luzerne, IA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Luzerne, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,435
American Family $4,306
Farmers $2,507
GEICO $3,170
Liberty Mutual $4,586
Nationwide $3,526
Progressive $2,060
State Farm $2,330
Travelers $7,551
USAA $2,453

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

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

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

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

Average Annual Auto Insurance Rates by Company in Luzerne, Iowa

Insurance Company Average Annual Rates
Allstate $2,953
American Family $3,137
Farmers $2,336
GEICO $2,315
Liberty Mutual $4,214
Nationwide $2,495
Progressive $2,366
State Farm $2,330
Travelers $5,785
USAA $1,840

What affects Luzerne, Iowa auto insurance rates?

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

Commute Times in Luzerne

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Luzerne, IA is 26.4 minutes according to City-Data.

Compare Auto Insurance Quotes in Luzerne, IA

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

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