Buy Cheap Montpelier, IA Auto Insurance (2021)

Montpelier, IA auto insurance rates average $246 a month. Minimum auto insurance requirements in Montpelier, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Montpelier, IA, compare Montpelier 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

  • Average auto insurance rates in Montpelier, IA are $246/month
  • Average auto insurance rates in Montpelier, IA after a DUI are $3,564/year
  • The most expensive auto insurance company in Montpelier is Travelers

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

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

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

Montpelier, IA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Montpelier, Iowa

Insurance Company Poor Fair Good
Allstate $3,635 $2,891 $2,602
American Family $3,626 $2,666 $2,244
Farmers $2,682 $2,221 $2,104
GEICO $2,783 $2,315 $1,848
Liberty Mutual $6,298 $3,909 $3,073
Nationwide $3,034 $2,387 $2,090
Progressive $2,483 $2,025 $1,842
State Farm $3,157 $1,953 $1,541
Travelers $6,467 $5,536 $5,279
USAA $2,498 $1,719 $1,490

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Montpelier, 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 $1,980 $1,893 $1,768 $1,798 $5,899 $6,665 $2,142 $2,198
American Family $1,830 $1,830 $1,640 $1,640 $4,918 $6,873 $1,830 $2,201
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 $2,067 $2,240 $1,830 $2,226 $10,414 $11,720 $2,342 $2,577
Nationwide $1,726 $1,767 $1,541 $1,640 $4,046 $5,213 $1,963 $2,130
Progressive $1,452 $1,385 $1,199 $1,246 $3,772 $4,248 $1,743 $1,890
State Farm $1,447 $1,447 $1,269 $1,269 $3,891 $4,937 $1,626 $1,851
Travelers $2,524 $2,572 $2,480 $2,481 $11,651 $18,678 $2,632 $3,066
USAA $1,263 $1,274 $1,161 $1,179 $3,476 $3,681 $1,515 $1,671

Buy Cheap Montpelier, IA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Montpelier, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,899 $6,665
American Family $4,918 $6,873
Farmers $4,354 $4,641
GEICO $4,278 $3,972
Liberty Mutual $10,414 $11,720
Nationwide $4,046 $5,213
Progressive $3,772 $4,248
State Farm $3,891 $4,937
Travelers $11,651 $18,678
USAA $3,476 $3,681

Buy Cheap Montpelier, IA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Montpelier, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,768 $1,798
American Family $1,640 $1,640
Farmers $1,298 $1,418
GEICO $1,696 $1,552
Liberty Mutual $1,830 $2,226
Nationwide $1,541 $1,640
Progressive $1,199 $1,246
State Farm $1,269 $1,269
Travelers $2,480 $2,481
USAA $1,161 $1,179

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

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

Annual Auto Insurance Rates by Coverage Level in Montpelier, Iowa

Insurance Company Low Medium High
Allstate $2,923 $3,047 $3,158
American Family $2,852 $3,004 $2,680
Farmers $2,233 $2,343 $2,431
GEICO $2,192 $2,316 $2,437
Liberty Mutual $4,235 $4,418 $4,628
Nationwide $2,598 $2,497 $2,416
Progressive $1,980 $2,125 $2,246
State Farm $2,111 $2,229 $2,311
Travelers $5,361 $5,852 $6,069
USAA $1,808 $1,909 $1,991

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Find Cheap Montpelier, IA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Montpelier, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,970 $3,115
American Family $2,812 $2,878
Farmers $2,336 $2,336
GEICO $2,269 $2,362
Liberty Mutual $4,427 $4,427
Nationwide $2,503 $2,503
Progressive $2,117 $2,117
State Farm $2,164 $2,270
Travelers $5,761 $5,761
USAA $1,833 $1,972

Find Cheap Montpelier, IA Auto Insurance Rates by Driving Record

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

Annual Montpelier, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,572 $3,129 $3,581 $2,889
American Family $2,053 $3,015 $3,900 $2,413
Farmers $1,989 $2,468 $2,507 $2,378
GEICO $1,756 $2,451 $3,170 $1,884
Liberty Mutual $3,818 $4,741 $4,818 $4,331
Nationwide $1,819 $2,603 $3,537 $2,054
Progressive $1,696 $2,808 $1,843 $2,120
State Farm $2,054 $2,380 $2,217 $2,217
Travelers $4,178 $5,599 $7,524 $5,741
USAA $1,451 $1,952 $2,540 $1,667

Find Cheap Montpelier, IA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Montpelier, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,581
American Family $3,900
Farmers $2,507
GEICO $3,170
Liberty Mutual $4,818
Nationwide $3,537
Progressive $1,843
State Farm $2,217
Travelers $7,524
USAA $2,540

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

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

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

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

Average Annual Auto Insurance Rates by Company in Montpelier, Iowa

Insurance Company Average Annual Rates
Allstate $3,043
American Family $2,845
Farmers $2,336
GEICO $2,315
Liberty Mutual $4,427
Nationwide $2,503
Progressive $2,117
State Farm $2,217
Travelers $5,761
USAA $1,902

Compare Auto Insurance Quotes in Montpelier, IA

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

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