Altoona, IA Auto Insurance (2024)
The average Altoona, IA auto insurance rates are $245 per month. The minimum auto insurance in Altoona is at least 20/40/15 in coverage to comply with Iowa auto insurance laws. To find the best cheap auto insurance in Altoona, Iowa, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 21, 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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: Jun 21, 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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
- The minimum auto insurance required in Altoona, Iowa is 20/40/15
- The cheapest auto insurance company in Altoona is USAA
- The most expensive auto insurance company in Altoona for teen drivers is Travelers
Altoona, Iowa auto insurance requirements are 20/40/15 according to Iowa auto insurance laws. Finding cheap auto insurance in Altoona can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Altoona, Iowa, including driving record, credit, commute time, and more.
Compare auto insurance in Altoona to other Iowa cities, including Iowa City auto insurance rates, Des Moines auto insurance rates, and Davenport auto insurance rates to see how Altoona, Iowa auto insurance rates stack up.
Before you buy Altoona, Iowa auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Altoona, Iowa auto insurance quotes.
Minimum Auto Insurance in Altoona, Iowa
Altoona, Iowa auto insurance laws require that you have at least the Iowa minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Altoona, 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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Cheap Altoona, Iowa Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Altoona, Iowa are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $1,975 | $1,880 | $1,771 | $1,798 | $6,026 | $6,831 | $2,124 | $2,176 |
| American Family | $1,812 | $1,812 | $1,629 | $1,629 | $4,968 | $6,889 | $1,812 | $2,172 |
| Farmers | $1,546 | $1,575 | $1,383 | $1,513 | $4,711 | $5,019 | $2,094 | $2,240 |
| Geico | $1,721 | $1,538 | $1,590 | $1,465 | $3,985 | $3,688 | $1,587 | $1,446 |
| Liberty Mutual | $2,062 | $2,230 | $1,837 | $2,237 | $10,755 | $12,105 | $2,336 | $2,562 |
| Nationwide | $1,731 | $1,766 | $1,548 | $1,640 | $4,172 | $5,344 | $1,981 | $2,142 |
| Progressive | $1,640 | $1,559 | $1,356 | $1,411 | $4,365 | $4,916 | $1,969 | $2,137 |
| State Farm | $1,384 | $1,384 | $1,242 | $1,242 | $4,139 | $5,200 | $1,565 | $1,805 |
| Travelers | $2,186 | $2,224 | $2,145 | $2,145 | $11,132 | $17,878 | $2,289 | $2,638 |
| USAA | $1,199 | $1,203 | $1,107 | $1,116 | $3,372 | $3,555 | $1,432 | $1,574 |
Cheap Altoona, Iowa Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Altoona, Iowa is a challenge. Take a look at the annual teen auto insurance rates in Altoona, Iowa.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,026 | $6,831 |
| American Family | $4,968 | $6,889 |
| Farmers | $4,711 | $5,019 |
| Geico | $3,985 | $3,688 |
| Liberty Mutual | $10,755 | $12,105 |
| Nationwide | $4,172 | $5,344 |
| Progressive | $4,365 | $4,916 |
| State Farm | $4,139 | $5,200 |
| Travelers | $11,132 | $17,878 |
| USAA | $3,372 | $3,555 |
Cheap Altoona, Iowa Auto Insurance for Seniors
What are senior auto insurance rates in Altoona, Iowa? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,771 | $1,798 |
| American Family | $1,629 | $1,629 |
| Farmers | $1,383 | $1,513 |
| Geico | $1,590 | $1,465 |
| Liberty Mutual | $1,837 | $2,237 |
| Nationwide | $1,548 | $1,640 |
| Progressive | $1,356 | $1,411 |
| State Farm | $1,242 | $1,242 |
| Travelers | $2,145 | $2,145 |
| USAA | $1,107 | $1,116 |
Cheap Altoona, Iowa Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Altoona, Iowa compared to the annual auto insurance rates with a clean record in Altoona, Iowa.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,584 | $3,156 | $3,636 | $2,914 |
| American Family | $2,050 | $3,009 | $3,894 | $2,408 |
| Farmers | $2,137 | $2,655 | $2,697 | $2,551 |
| Geico | $1,579 | $2,246 | $2,993 | $1,692 |
| Liberty Mutual | $3,889 | $4,845 | $4,908 | $4,420 |
| Nationwide | $1,856 | $2,641 | $3,574 | $2,091 |
| Progressive | $1,933 | $3,221 | $2,104 | $2,419 |
| State Farm | $2,053 | $2,438 | $2,245 | $2,245 |
| Travelers | $3,750 | $5,055 | $7,114 | $5,400 |
| USAA | $1,383 | $1,872 | $2,432 | $1,591 |
Cheap Altoona, Iowa Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Altoona, Iowa is not easy. Compare the annual rates for DUI auto insurance in Altoona, Iowa to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $3,636 |
| American Family | $3,894 |
| Farmers | $2,697 |
| Geico | $2,993 |
| Liberty Mutual | $4,908 |
| Nationwide | $3,574 |
| Progressive | $2,104 |
| State Farm | $2,245 |
| Travelers | $7,114 |
| USAA | $2,432 |
Cheap Altoona, Iowa Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Altoona, Iowa annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,671 | $2,917 | $2,630 |
| American Family | $3,618 | $2,658 | $2,244 |
| Farmers | $2,880 | $2,389 | $2,262 |
| Geico | $2,555 | $2,127 | $1,700 |
| Liberty Mutual | $6,407 | $3,999 | $3,141 |
| Nationwide | $3,070 | $2,429 | $2,122 |
| Progressive | $2,827 | $2,318 | $2,112 |
| State Farm | $3,198 | $1,978 | $1,560 |
| Travelers | $5,984 | $5,055 | $4,950 |
| USAA | $2,381 | $1,648 | $1,431 |
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Cheap Altoona, Iowa Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Altoona, Iowa can vary. Compare the annual cost of auto insurance by ZIP code in Altoona, Iowa to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 50009 | $2,496 |
Cheap Altoona, Iowa Auto Insurance Rates By Commute
Commute length and annual mileage affect Altoona, Iowa auto insurance. Find the cheapest annual Altoona, Iowa auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $2,999 | $3,146 |
| American Family | $2,807 | $2,873 |
| Farmers | $2,510 | $2,510 |
| Geico | $2,091 | $2,164 |
| Liberty Mutual | $4,516 | $4,516 |
| Nationwide | $2,540 | $2,540 |
| Progressive | $2,419 | $2,419 |
| State Farm | $2,191 | $2,300 |
| Travelers | $5,330 | $5,330 |
| USAA | $1,754 | $1,886 |
Cheap Altoona, Iowa Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Altoona, Iowa? Check out the comparison of annual Altoona, Iowa auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $2,953 | $3,077 | $3,188 |
| American Family | $2,829 | $3,000 | $2,692 |
| Farmers | $2,401 | $2,518 | $2,611 |
| Geico | $1,985 | $2,127 | $2,271 |
| Liberty Mutual | $4,306 | $4,507 | $4,734 |
| Nationwide | $2,623 | $2,540 | $2,459 |
| Progressive | $2,248 | $2,428 | $2,581 |
| State Farm | $2,113 | $2,261 | $2,361 |
| Travelers | $4,972 | $5,429 | $5,589 |
| USAA | $1,719 | $1,826 | $1,914 |
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Best By Category: Cheapest Auto Insurance in Altoona, Iowa
Compare the cheapest auto insurance companies in Altoona, Iowa in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | USAA |
The Cheapest Altoona, Iowa Auto Insurance Companies
What auto insurance companies in Altoona, Iowa are the cheapest? Compare the top Altoona, Iowa auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,073 |
| American Family | $2,840 |
| Farmers | $2,510 |
| Geico | $2,127 |
| Liberty Mutual | $4,516 |
| Nationwide | $2,540 |
| Progressive | $2,419 |
| State Farm | $2,245 |
| Travelers | $5,330 |
| USAA | $1,820 |
What affects auto insurance rates in Altoona, Iowa?
There are a lot of reasons why auto insurance rates in Altoona, Iowa are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Altoona, Iowa. Many local factors may affect your Altoona auto insurance rates.
Altoona Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Altoona, Iowa commute length is 22.0 minutes according to City-Data.
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Compare Altoona, Iowa Auto Insurance Quotes
Before you buy Altoona, Iowa auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Altoona, Iowa auto insurance quotes.
Frequently Asked Questions
What is the average auto insurance rate in Altoona, IA?
The average auto insurance rate in Altoona, IA is $245 per month.
What is the minimum auto insurance coverage required in Altoona, IA?
The minimum auto insurance coverage required in Altoona, IA is 20/40/15, which means you need at least $20,000 in bodily injury liability coverage per person, $40,000 in bodily injury liability coverage per accident, and $15,000 in property damage liability coverage.
What are the factors that affect auto insurance rates in Altoona, IA?
Several factors can affect auto insurance rates in Altoona, IA, including age, gender, marital status, driving record, credit history, ZIP code, commute time, and coverage level.
What are the auto insurance requirements in Altoona, IA?
The auto insurance requirements in Altoona, IA are 20/40/15, as mandated by Iowa auto insurance laws. This means you must have at least $20,000 in bodily injury liability coverage per person, $40,000 in bodily injury liability coverage per accident, and $15,000 in property damage liability coverage.
Can auto insurance rates vary by ZIP code in Altoona, IA?
Yes, auto insurance rates can vary by ZIP code in Altoona, IA. Factors such as the frequency of accidents, theft rates, and population density in a specific area can influence insurance rates.
How does credit history affect auto insurance rates in Altoona, IA?
Credit history can have a significant impact on auto insurance rates in Altoona, IA. Generally, individuals with good credit tend to receive lower insurance rates compared to those with poor credit.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.