Buy Cheap Montezuma, IA Auto Insurance (2021)

Montezuma, IA auto insurance rates average $239 a month. Minimum auto insurance requirements in Montezuma, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Montezuma, IA, compare Montezuma 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 Montezuma after a DUI is Travelers
  • Average auto insurance rates in Montezuma, IA after a DUI are $3,450/year
  • Average auto insurance rates in Montezuma, IA for teens drivers are $5,455/year

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

See how Montezuma, IA car insurance rates compare to Cedar Rapids auto insurance rates, Ankeny auto insurance rates, and Ames auto insurance rates before you read more about the cost of auto insurance in Montezuma.

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

Montezuma, IA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Montezuma, Iowa

Insurance Company Poor Fair Good
Allstate $3,313 $2,637 $2,369
American Family $3,819 $2,808 $2,360
Farmers $2,754 $2,281 $2,160
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,078 $3,771 $2,965
Nationwide $2,881 $2,258 $1,978
Progressive $2,962 $2,386 $2,158
State Farm $3,119 $1,930 $1,522
Travelers $5,665 $4,850 $4,628
USAA $2,399 $1,648 $1,427

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Montezuma, 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 $1,863 $1,798 $1,648 $1,680 $5,209 $5,839 $2,041 $2,105
American Family $1,933 $1,933 $1,729 $1,729 $5,150 $7,228 $1,933 $2,329
Farmers $1,491 $1,519 $1,337 $1,458 $4,460 $4,750 $2,014 $2,155
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,005 $2,172 $1,770 $2,150 $10,026 $11,277 $2,271 $2,501
Nationwide $1,649 $1,693 $1,470 $1,569 $3,796 $4,905 $1,867 $2,028
Progressive $1,774 $1,713 $1,464 $1,516 $4,276 $4,831 $2,136 $2,308
State Farm $1,431 $1,431 $1,254 $1,254 $3,841 $4,874 $1,607 $1,830
Travelers $2,237 $2,282 $2,183 $2,190 $10,174 $16,245 $2,335 $2,736
USAA $1,224 $1,238 $1,123 $1,146 $3,285 $3,490 $1,468 $1,622

Buy Cheap Montezuma, IA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Montezuma, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,209 $5,839
American Family $5,150 $7,228
Farmers $4,460 $4,750
GEICO $4,328 $4,022
Liberty Mutual $10,026 $11,277
Nationwide $3,796 $4,905
Progressive $4,276 $4,831
State Farm $3,841 $4,874
Travelers $10,174 $16,245
USAA $3,285 $3,490

Buy Cheap Montezuma, IA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Montezuma, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,648 $1,680
American Family $1,729 $1,729
Farmers $1,337 $1,458
GEICO $1,710 $1,564
Liberty Mutual $1,770 $2,150
Nationwide $1,470 $1,569
Progressive $1,464 $1,516
State Farm $1,254 $1,254
Travelers $2,183 $2,190
USAA $1,123 $1,146

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

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

Annual Auto Insurance Rates by Coverage Level in Montezuma, Iowa

Insurance Company Low Medium High
Allstate $2,679 $2,776 $2,864
American Family $3,012 $3,162 $2,813
Farmers $2,295 $2,405 $2,494
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,096 $4,264 $4,454
Nationwide $2,476 $2,359 $2,281
Progressive $2,363 $2,511 $2,634
State Farm $2,087 $2,202 $2,282
Travelers $4,753 $5,123 $5,267
USAA $1,732 $1,830 $1,911

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Find Cheap Montezuma, IA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Montezuma, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,707 $2,838
American Family $2,961 $3,031
Farmers $2,398 $2,398
GEICO $2,294 $2,387
Liberty Mutual $4,271 $4,271
Nationwide $2,372 $2,372
Progressive $2,502 $2,502
State Farm $2,138 $2,243
Travelers $5,048 $5,048
USAA $1,758 $1,891

Find Cheap Montezuma, IA Auto Insurance Rates by Driving Record

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

Annual Montezuma, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,373 $2,856 $3,223 $2,640
American Family $2,163 $3,168 $4,110 $2,542
Farmers $2,042 $2,535 $2,574 $2,442
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,687 $4,571 $4,649 $4,179
Nationwide $1,721 $2,466 $3,356 $1,945
Progressive $2,014 $3,290 $2,184 $2,522
State Farm $2,030 $2,351 $2,190 $2,190
Travelers $3,675 $4,916 $6,577 $5,023
USAA $1,395 $1,870 $2,432 $1,602

Find Cheap Montezuma, IA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Montezuma, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,223
American Family $4,110
Farmers $2,574
GEICO $3,206
Liberty Mutual $4,649
Nationwide $3,356
Progressive $2,184
State Farm $2,190
Travelers $6,577
USAA $2,432

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

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

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

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

Average Annual Auto Insurance Rates by Company in Montezuma, Iowa

Insurance Company Average Annual Rates
Allstate $2,773
American Family $2,996
Farmers $2,398
GEICO $2,341
Liberty Mutual $4,271
Nationwide $2,372
Progressive $2,502
State Farm $2,190
Travelers $5,048
USAA $1,825

What affects Montezuma, Iowa auto insurance rates?

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

Commute Times in Montezuma

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Montezuma, IA is 20.3 minutes according to City-Data.

Compare Auto Insurance Quotes in Montezuma, IA

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

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