Buy Cheap Martinsburg, IA Auto Insurance in 2023
Martinsburg, IA auto insurance rates average $249 a month. Minimum auto insurance requirements in Martinsburg, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Martinsburg, IA, compare Martinsburg auto insurance quotes from top companies.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Martinsburg, IA are $249/month
- Average auto insurance rates in Martinsburg, IA for teens drivers are $5,656/year
- The most expensive auto insurance company in Martinsburg after a DUI is Travelers
Finding affordable Martinsburg, Iowa auto insurance can be challenging, but everything you need to know to buy cheap Martinsburg, IA auto insurance with confidence is right here. Auto insurance rates in Martinsburg are affected by local factors as well as personal ones like your driving record.
See how Martinsburg, IA car insurance rates compare to Cedar Rapids auto insurance rates, Iowa City auto insurance rates, and Sioux City auto insurance rates before you read more about the cost of auto insurance in Martinsburg.
Don’t buy Martinsburg, IA auto insurance until you’ve compared rates. Get free Martinsburg, Iowa auto insurance quotes when you enter your ZIP code above.
Martinsburg, IA Minimum Auto Insurance Requirements
The required auto insurance in Martinsburg, IA is 20/40/15 according to the auto insurance laws in Iowa. The minimum auto insurance in Martinsburg, Iowa is outlined here.
| 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 Martinsburg, IA Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Martinsburg, IA. Take a look at Martinsburg, Iowa auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,465 | $2,759 | $2,474 |
| American Family | $3,846 | $2,827 | $2,376 |
| Farmers | $2,822 | $2,339 | $2,216 |
| Geico | $2,783 | $2,315 | $1,848 |
| Liberty Mutual | $6,264 | $3,859 | $3,039 |
| Nationwide | $3,290 | $2,569 | $2,252 |
| Progressive | $2,886 | $2,334 | $2,114 |
| State Farm | $3,113 | $1,926 | $1,519 |
| Travelers | $6,330 | $5,394 | $5,136 |
| USAA | $2,479 | $1,703 | $1,474 |
Buy Cheap Martinsburg, IA Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Martinsburg, Iowa auto insurance rates? Find out how car insurance rates in Martinsburg, IA are impacted by demographics.
| 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 | $1,944 | $1,875 | $1,720 | $1,754 | $5,461 | $6,119 | $2,130 | $2,193 |
| American Family | $1,945 | $1,945 | $1,740 | $1,740 | $5,193 | $7,282 | $1,945 | $2,343 |
| Farmers | $1,524 | $1,554 | $1,366 | $1,491 | $4,582 | $4,887 | $2,062 | $2,204 |
| Geico | $1,893 | $1,693 | $1,696 | $1,552 | $4,278 | $3,972 | $1,787 | $1,651 |
| Liberty Mutual | $2,124 | $2,307 | $1,862 | $2,262 | $10,105 | $11,375 | $2,406 | $2,657 |
| Nationwide | $1,882 | $1,935 | $1,674 | $1,791 | $4,309 | $5,592 | $2,128 | $2,318 |
| Progressive | $1,715 | $1,650 | $1,416 | $1,468 | $4,234 | $4,777 | $2,065 | $2,233 |
| State Farm | $1,431 | $1,431 | $1,254 | $1,254 | $3,825 | $4,856 | $1,608 | $1,828 |
| Travelers | $2,569 | $2,625 | $2,479 | $2,489 | $11,161 | $17,795 | $2,664 | $3,178 |
| USAA | $1,260 | $1,274 | $1,155 | $1,178 | $3,409 | $3,621 | $1,513 | $1,671 |
Buy Cheap Martinsburg, IA Auto Insurance for Teen Drivers
Auto insurance for teenagers in Martinsburg can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Martinsburg, IA are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $5,461 | $6,119 |
| American Family | $5,193 | $7,282 |
| Farmers | $4,582 | $4,887 |
| Geico | $4,278 | $3,972 |
| Liberty Mutual | $10,105 | $11,375 |
| Nationwide | $4,309 | $5,592 |
| Progressive | $4,234 | $4,777 |
| State Farm | $3,825 | $4,856 |
| Travelers | $11,161 | $17,795 |
| USAA | $3,409 | $3,621 |
Buy Cheap Martinsburg, IA Auto Insurance for Seniors
You can save on senior auto insurance rates in Martinsburg, Iowa by comparing Martinsburg senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Martinsburg, IA here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,720 | $1,754 |
| American Family | $1,740 | $1,740 |
| Farmers | $1,366 | $1,491 |
| Geico | $1,696 | $1,552 |
| Liberty Mutual | $1,862 | $2,262 |
| Nationwide | $1,674 | $1,791 |
| Progressive | $1,416 | $1,468 |
| State Farm | $1,254 | $1,254 |
| Travelers | $2,479 | $2,489 |
| USAA | $1,155 | $1,178 |
Find Cheap Auto Insurance Rates in Martinsburg, IA by Coverage Level
The amount of coverage you choose is a big factor in the cost of Martinsburg, Iowa auto insurance. Compare Martinsburg, IA auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $2,780 | $2,904 | $3,014 |
| American Family | $3,033 | $3,184 | $2,833 |
| Farmers | $2,354 | $2,467 | $2,556 |
| Geico | $2,192 | $2,316 | $2,437 |
| Liberty Mutual | $4,216 | $4,380 | $4,567 |
| Nationwide | $2,827 | $2,688 | $2,597 |
| Progressive | $2,309 | $2,454 | $2,571 |
| State Farm | $2,083 | $2,198 | $2,277 |
| Travelers | $5,292 | $5,705 | $5,863 |
| USAA | $1,792 | $1,891 | $1,973 |
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Find Cheap Martinsburg, IA Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Martinsburg. Compare auto insurance rates in Martinsburg, IA by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $2,831 | $2,968 |
| American Family | $2,981 | $3,052 |
| Farmers | $2,459 | $2,459 |
| Geico | $2,269 | $2,362 |
| Liberty Mutual | $4,387 | $4,387 |
| Nationwide | $2,704 | $2,704 |
| Progressive | $2,445 | $2,445 |
| State Farm | $2,133 | $2,239 |
| Travelers | $5,620 | $5,620 |
| USAA | $1,816 | $1,954 |
Find Cheap Martinsburg, IA Auto Insurance Rates by Driving Record
Auto insurance rates in Martinsburg, Iowa are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Martinsburg, IA, take a look at the average cost for various violations versus rates for a clean driving record in Martinsburg.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,481 | $2,992 | $3,367 | $2,759 |
| American Family | $2,178 | $3,189 | $4,139 | $2,560 |
| Farmers | $2,095 | $2,597 | $2,637 | $2,506 |
| Geico | $1,756 | $2,451 | $3,170 | $1,884 |
| Liberty Mutual | $3,792 | $4,683 | $4,784 | $4,290 |
| Nationwide | $1,949 | $2,812 | $3,845 | $2,209 |
| Progressive | $1,964 | $3,224 | $2,131 | $2,459 |
| State Farm | $2,027 | $2,345 | $2,186 | $2,186 |
| Travelers | $4,109 | $5,455 | $7,298 | $5,618 |
| USAA | $1,440 | $1,933 | $2,515 | $1,654 |
Find Cheap Martinsburg, IA Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Martinsburg, Iowa is higher than for a clean driving record. You can buy auto insurance after a DUI in Martinsburg for less when you shop around and compare rates from multiple Martinsburg, IA auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $3,367 |
| American Family | $4,139 |
| Farmers | $2,637 |
| Geico | $3,170 |
| Liberty Mutual | $4,784 |
| Nationwide | $3,845 |
| Progressive | $2,131 |
| State Farm | $2,186 |
| Travelers | $7,298 |
| USAA | $2,515 |
Winners by Category: Where to Buy Cheap Auto Insurance in Martinsburg, IA
Compare rates from the cheapest auto insurance companies in Martinsburg, IA for your needs. Take a look at how Martinsburg, Iowa auto insurance companies stack up for each category.
| 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 Martinsburg, Iowa Auto Insurance Companies
If you’re looking for the cheapest Martinsburg, IA auto insurance companies overall, you can compare them here. Find the best price for Martinsburg, Iowa car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $2,899 |
| American Family | $3,017 |
| Farmers | $2,459 |
| Geico | $2,315 |
| Liberty Mutual | $4,387 |
| Nationwide | $2,704 |
| Progressive | $2,445 |
| State Farm | $2,186 |
| Travelers | $5,620 |
| USAA | $1,885 |
What affects Martinsburg, Iowa auto insurance rates?
Local factors affect auto insurance rates in Martinsburg, IA, including traffic, theft statistics, and commute length. Take a look at the things that impact Martinsburg auto insurance rates.
Commute Times in Martinsburg
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Martinsburg, IA is 23.4 minutes according to City-Data.
Compare Auto Insurance Quotes in Martinsburg, IA
You can buy cheap Martinsburg, IA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Martinsburg, Iowa auto insurance quotes from top companies.
Frequently Asked Questions
How can I find cheap auto insurance in Martinsburg, IA?
To find cheap auto insurance in Martinsburg, IA, consider the following steps:
- Shop around and compare quotes from multiple insurance providers.
- Maintain a good driving record, as it can impact your insurance premiums.
- Opt for a higher deductible, as it can lower your monthly premiums.
- Take advantage of available discounts, such as safe driver discounts, multi-policy discounts, or loyalty discounts.
What factors affect the cost of auto insurance in Martinsburg, IA?
Several factors can affect the cost of auto insurance in Martinsburg, IA, including:
- Your driving record: Drivers with a history of accidents or traffic violations may have higher premiums.
- Vehicle make and model: The type of car you drive can impact insurance rates, with more expensive or high-performance vehicles often costing more to insure.
- Coverage limits and deductibles: Higher coverage limits and lower deductibles generally lead to higher premiums.
- Age and gender: Younger drivers and males may face higher premiums due to statistical risk factors.
Is it necessary to have auto insurance in Martinsburg, IA?
Yes, auto insurance is required in Martinsburg, IA. All registered vehicles must have liability coverage, which helps protect you financially if you cause an accident that results in injury or property damage to others.
Are there any pros to buying cheap auto insurance in Martinsburg, IA?
Pros of buying cheap auto insurance in Martinsburg, IA may include:
- Cost savings: Cheap insurance premiums can help you save money in the short term.
- Compliance: By having insurance, you meet the legal requirement and can drive legally on Martinsburg roads.
What are the cons of buying cheap auto insurance in Martinsburg, IA?
Cons of buying cheap auto insurance in Martinsburg, IA may include:
- Limited coverage: Cheap insurance policies may offer minimal coverage, leaving you financially vulnerable in certain situations.
- Higher deductibles: Cheap policies often come with higher deductibles, meaning you’ll have to pay more out of pocket before your insurance coverage kicks in.
- Poor customer service: Some low-cost insurance providers may not provide the same level of customer support or claims assistance as more reputable companies.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.