Buy Cheap Waterloo, IA Auto Insurance (2022)

Waterloo, IA auto insurance rates average $247 a month. Minimum auto insurance requirements in Waterloo, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Waterloo, IA, compare Waterloo 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 Waterloo, IA after a DUI are $3,586/year
  • The most expensive auto insurance company in Waterloo is Travelers
  • Average auto insurance rates in Waterloo, IA are $247/month

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

See how Waterloo, IA car insurance rates compare to Council Bluffs auto insurance rates, Davenport auto insurance rates, and Sioux City auto insurance rates before you read more about the cost of auto insurance in Waterloo.

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

Waterloo, IA Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Waterloo, Iowa

Insurance Company Poor Fair Good
Allstate $3,415 $2,715 $2,443
American Family $3,662 $2,691 $2,271
Farmers $2,709 $2,249 $2,129
GEICO $3,156 $2,623 $2,091
Liberty Mutual $5,610 $3,496 $2,748
Nationwide $3,084 $2,436 $2,129
Progressive $3,140 $2,552 $2,318
State Farm $3,403 $2,105 $1,660
Travelers $6,254 $5,366 $5,121
USAA $2,388 $1,646 $1,427

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Waterloo, 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 $1,875 $1,795 $1,671 $1,700 $5,498 $6,204 $2,033 $2,088
American Family $1,836 $1,836 $1,649 $1,649 $5,021 $6,970 $1,836 $2,202
Farmers $1,449 $1,478 $1,297 $1,423 $4,444 $4,747 $1,967 $2,095
GEICO $2,101 $1,886 $1,928 $1,782 $4,954 $4,599 $1,950 $1,786
Liberty Mutual $1,820 $1,968 $1,617 $1,962 $9,375 $10,542 $2,061 $2,265
Nationwide $1,741 $1,778 $1,556 $1,650 $4,172 $5,353 $1,990 $2,154
Progressive $1,847 $1,771 $1,528 $1,582 $4,696 $5,294 $2,227 $2,413
State Farm $1,469 $1,469 $1,319 $1,319 $4,415 $5,541 $1,662 $1,921
Travelers $2,416 $2,459 $2,384 $2,384 $11,364 $18,182 $2,529 $2,925
USAA $1,209 $1,219 $1,113 $1,129 $3,327 $3,521 $1,448 $1,596

Buy Cheap Waterloo, IA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Waterloo, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,498 $6,204
American Family $5,021 $6,970
Farmers $4,444 $4,747
GEICO $4,954 $4,599
Liberty Mutual $9,375 $10,542
Nationwide $4,172 $5,353
Progressive $4,696 $5,294
State Farm $4,415 $5,541
Travelers $11,364 $18,182
USAA $3,327 $3,521

Buy Cheap Waterloo, IA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Waterloo, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,671 $1,700
American Family $1,649 $1,649
Farmers $1,297 $1,423
GEICO $1,928 $1,782
Liberty Mutual $1,617 $1,962
Nationwide $1,556 $1,650
Progressive $1,528 $1,582
State Farm $1,319 $1,319
Travelers $2,384 $2,384
USAA $1,113 $1,129

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

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

Annual Auto Insurance Rates by Coverage Level in Waterloo, Iowa

Insurance Company Low Medium High
Allstate $2,739 $2,862 $2,973
American Family $2,865 $3,036 $2,723
Farmers $2,255 $2,370 $2,462
GEICO $2,460 $2,625 $2,786
Liberty Mutual $3,781 $3,944 $4,128
Nationwide $2,640 $2,546 $2,462
Progressive $2,524 $2,682 $2,803
State Farm $2,252 $2,406 $2,509
Travelers $5,217 $5,667 $5,858
USAA $1,726 $1,826 $1,908

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Find Cheap Waterloo, IA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Waterloo, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,790 $2,926
American Family $2,841 $2,908
Farmers $2,362 $2,362
GEICO $2,578 $2,669
Liberty Mutual $3,951 $3,951
Nationwide $2,549 $2,549
Progressive $2,670 $2,670
State Farm $2,332 $2,447
Travelers $5,580 $5,580
USAA $1,754 $1,886

Find Cheap Waterloo, IA Auto Insurance Rates by ZIP Code

Auto insurance rates in Waterloo, Iowa can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Waterloo, IA to see how much where you live in Waterloo affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Waterloo, Iowa

ZIP Code Average Annual Rates
50701 $2,491
50702 $2,563
50703 $2,491
50707 $2,414

Find Cheap Waterloo, IA Auto Insurance Rates by Driving Record

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

Annual Waterloo, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,422 $2,942 $3,354 $2,714
American Family $2,076 $3,045 $3,942 $2,437
Farmers $2,014 $2,496 $2,536 $2,404
GEICO $1,937 $2,778 $3,701 $2,079
Liberty Mutual $3,407 $4,235 $4,295 $3,867
Nationwide $1,860 $2,650 $3,591 $2,096
Progressive $2,140 $3,536 $2,323 $2,680
State Farm $2,183 $2,595 $2,389 $2,389
Travelers $4,039 $5,436 $7,299 $5,548
USAA $1,388 $1,868 $2,430 $1,595

Find Cheap Waterloo, IA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Waterloo, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,354
American Family $3,942
Farmers $2,536
GEICO $3,701
Liberty Mutual $4,295
Nationwide $3,591
Progressive $2,323
State Farm $2,389
Travelers $7,299
USAA $2,430

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

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

Best Annual Auto Insurance Rates by Company in Waterloo, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

Find Cheap Waterloo, Iowa Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Waterloo, Iowa

Insurance Company Average Annual Rates
Allstate $2,858
American Family $2,875
Farmers $2,362
GEICO $2,623
Liberty Mutual $3,951
Nationwide $2,549
Progressive $2,670
State Farm $2,389
Travelers $5,580
USAA $1,820

What affects Waterloo, Iowa auto insurance rates?

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

Commute Times in Waterloo

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Waterloo, IA is 16.1 minutes according to City-Data.

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Compare Auto Insurance Quotes in Waterloo, IA

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

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