Best Denison, IA Car Insurance in 2024
Car insurance in Denison, IA averages $248 a month. Denison, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Denison car insurance rates, compare quotes from the top car insurance companies in Denison, IA.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Denison is USAA
- Average car insurance rates in Denison, IA after a DUI are $3,578/year
- Average car insurance rates in Denison, IA are $2,972/year
If you need to buy Denison, Iowa car insurance, the options can be confusing. Everything you need to know about car insurance in Denison, IA is right here.
You’ll find Denison car insurance rates, the cheapest Denison, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Denison, Iowa car insurance rates to West Des Moines car insurance rates, Ankeny car insurance rates, and Waterloo car insurance rates.
Ready to find affordable Denison, IA car insurance today? Enter your ZIP code for fast, free Denison car insurance quotes.
Cheapest Denison, IA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Denison, IA car insurance rates? Every Denison, Iowa car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $2,086 | $2,005 | $1,848 | $1,882 | $5,978 | $6,727 | $2,277 | $2,347 |
| American Family | $1,968 | $1,968 | $1,760 | $1,760 | $5,256 | $7,372 | $1,968 | $2,369 |
| Farmers | $1,510 | $1,539 | $1,351 | $1,477 | $4,580 | $4,887 | $2,048 | $2,192 |
| Geico | $1,821 | $1,640 | $1,620 | $1,483 | $4,142 | $3,866 | $1,733 | $1,612 |
| Liberty Mutual | $2,157 | $2,346 | $1,893 | $2,303 | $10,156 | $11,442 | $2,443 | $2,697 |
| Nationwide | $1,692 | $1,737 | $1,508 | $1,610 | $3,895 | $5,038 | $1,916 | $2,083 |
| Progressive | $1,698 | $1,627 | $1,399 | $1,455 | $4,306 | $4,857 | $2,042 | $2,216 |
| State Farm | $1,362 | $1,362 | $1,194 | $1,194 | $3,669 | $4,649 | $1,530 | $1,747 |
| Travelers | $2,490 | $2,543 | $2,410 | $2,420 | $10,971 | $17,518 | $2,587 | $3,068 |
| USAA | $1,300 | $1,319 | $1,188 | $1,218 | $3,461 | $3,687 | $1,565 | $1,732 |
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Minimum Car Insurance in Denison, IA
Every driver must carry the minimum car insurance in Denison, IA. Take a look at the Iowa car insurance requirements.
| 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 |
Cheapest Denison, IA Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Denison, IA. Compare credit history car insurance rates in Denison from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,765 | $2,985 | $2,681 |
| American Family | $3,893 | $2,860 | $2,405 |
| Farmers | $2,805 | $2,331 | $2,208 |
| Geico | $2,691 | $2,240 | $1,788 |
| Liberty Mutual | $6,327 | $3,894 | $3,068 |
| Nationwide | $2,957 | $2,317 | $2,030 |
| Progressive | $2,883 | $2,341 | $2,126 |
| State Farm | $2,974 | $1,840 | $1,452 |
| Travelers | $6,190 | $5,281 | $5,031 |
| USAA | $2,547 | $1,745 | $1,510 |
Cheapest Denison, IA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Denison, IA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,675 | $3,238 | $3,674 | $2,988 |
| American Family | $2,204 | $3,226 | $4,189 | $2,591 |
| Farmers | $2,088 | $2,586 | $2,622 | $2,496 |
| Geico | $1,702 | $2,373 | $3,058 | $1,826 |
| Liberty Mutual | $3,828 | $4,728 | $4,832 | $4,330 |
| Nationwide | $1,763 | $2,531 | $3,450 | $1,995 |
| Progressive | $1,965 | $3,242 | $2,133 | $2,460 |
| State Farm | $1,935 | $2,243 | $2,089 | $2,089 |
| Travelers | $4,017 | $5,344 | $7,150 | $5,492 |
| USAA | $1,478 | $1,982 | $2,578 | $1,696 |
Cheapest Denison, IA Car Insurance for Teen Drivers
Teen car insurance in Denison, IA can be expensive. Take a look at rates from the top car insurance companies in Denison for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $5,978 | $6,727 |
| American Family | $5,256 | $7,372 |
| Farmers | $4,580 | $4,887 |
| Geico | $4,142 | $3,866 |
| Liberty Mutual | $10,156 | $11,442 |
| Nationwide | $3,895 | $5,038 |
| Progressive | $4,306 | $4,857 |
| State Farm | $3,669 | $4,649 |
| Travelers | $10,971 | $17,518 |
| USAA | $3,461 | $3,687 |
Cheapest Denison, IA Car Insurance for Seniors
Take a look at Denison, IA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,848 | $1,882 |
| American Family | $1,760 | $1,760 |
| Farmers | $1,351 | $1,477 |
| Geico | $1,620 | $1,483 |
| Liberty Mutual | $1,893 | $2,303 |
| Nationwide | $1,508 | $1,610 |
| Progressive | $1,399 | $1,455 |
| State Farm | $1,194 | $1,194 |
| Travelers | $2,410 | $2,420 |
| USAA | $1,188 | $1,218 |
Cheapest Denison, IA Car Insurance Rates After a DUI
A DUI in Denison, IA increases car insurance rates. Compare Denison, Iowa DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,674 |
| American Family | $4,189 |
| Farmers | $2,622 |
| Geico | $3,058 |
| Liberty Mutual | $4,832 |
| Nationwide | $3,450 |
| Progressive | $2,133 |
| State Farm | $2,089 |
| Travelers | $7,150 |
| USAA | $2,578 |
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Cheapest Denison, IA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Denison, IA by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,069 | $3,219 |
| American Family | $3,017 | $3,088 |
| Farmers | $2,448 | $2,448 |
| Geico | $2,195 | $2,285 |
| Liberty Mutual | $4,430 | $4,430 |
| Nationwide | $2,435 | $2,435 |
| Progressive | $2,450 | $2,450 |
| State Farm | $2,039 | $2,138 |
| Travelers | $5,501 | $5,501 |
| USAA | $1,863 | $2,004 |
The Best Cheap Car Insurance Companies in Denison, IA
Take a look at a side-by-side comparison of the top car insurance companies in Denison, IA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,144 |
| American Family | $3,053 |
| Farmers | $2,448 |
| Geico | $2,240 |
| Liberty Mutual | $4,430 |
| Nationwide | $2,435 |
| Progressive | $2,450 |
| State Farm | $2,089 |
| Travelers | $5,501 |
| USAA | $1,934 |
Category Winners: Cheapest Car Insurance in Denison, Iowa
Find the cheapest car insurance companies in Denison, IA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | State Farm |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Cheapest Denison, IA Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Denison car insurance rates. Find the cheapest Denison, IA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,018 | $3,147 | $3,266 |
| American Family | $3,064 | $3,222 | $2,872 |
| Farmers | $2,348 | $2,456 | $2,540 |
| Geico | $2,141 | $2,240 | $2,338 |
| Liberty Mutual | $4,247 | $4,420 | $4,622 |
| Nationwide | $2,544 | $2,422 | $2,339 |
| Progressive | $2,306 | $2,458 | $2,586 |
| State Farm | $1,994 | $2,099 | $2,173 |
| Travelers | $5,170 | $5,585 | $5,748 |
| USAA | $1,835 | $1,940 | $2,026 |
What affects car insurance rates in Denison, Iowa?
What factors can have an impact on Denison, IA car insurance? There are several reasons why Denison car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Denison, Iowa.
Commute Time in Denison
The more time you spend in your car the higher the risk of an accident. The average commute length in Denison, IA is 13.8 minutes according to City-Data.
Compare Car Insurance Quotes in Denison, IA
Ready to find affordable Denison, Iowa car insurance today? Enter your ZIP code for fast, free Denison, IA car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
How much does car insurance cost in Denison, IA?
The cost of car insurance in Denison, IA can vary depending on several factors, including your age, driving record, type of vehicle, coverage limits, and the insurance company you choose. Additionally, local factors such as the crime rate and frequency of accidents in the area may also influence insurance rates. It’s recommended to get quotes from multiple insurance providers to compare prices and find the best coverage at a competitive rate.
What are the minimum car insurance requirements in Denison, IA?
In Denison, IA, the minimum car insurance requirements are set by state law. Drivers are generally required to have liability insurance coverage, which includes bodily injury liability and property damage liability. The minimum limits for liability coverage in Iowa are 25/50/10, which means $25,000 per person and $50,000 per accident for bodily injury liability, and $10,000 for property damage liability. However, it’s advisable to consider higher coverage limits to better protect yourself and your assets.
Are there any additional coverage options I should consider for my car in Denison, IA?
While liability insurance is the minimum requirement, there are additional coverage options you may want to consider for enhanced protection. These include:
- Collision Coverage: This coverage helps pay for repairs to your own vehicle if it’s damaged in a collision, regardless of who is at fault.
- Comprehensive Coverage: This coverage protects against non-collision-related damages, such as theft, vandalism, fire, or severe weather.
- Uninsured/Underinsured Motorist Coverage: This coverage provides protection if you’re involved in an accident with a driver who has insufficient or no insurance.
- Medical Payments Coverage: This coverage helps cover medical expenses for you and your passengers regardless of who is at fault.
How can I find affordable car insurance in Denison, IA?
To find affordable car insurance in Denison, IA, it’s important to shop around and compare quotes from multiple insurance providers. Consider factors such as coverage options, deductibles, and discounts offered. Maintaining a good driving record, bundling your car insurance with other policies, and opting for higher deductibles can also help lower your premiums. Additionally, ask about available discounts, such as safe driver discounts or discounts for installing safety features in your vehicle.
What should I do in the event of an accident or damage to my car in Denison, IA?
In the event of an accident or damage to your car in Denison, IA, prioritize your safety and the safety of others involved. Contact the police to report the incident and exchange insurance information with the other party. Document the accident scene, take photos if possible, and notify your insurance provider as soon as possible to initiate the claims process. Your insurance company will guide you through the necessary steps and provide instructions on how to proceed.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
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.