Cheapest Car Insurance In Ames, IA 2024
The cheapest minimum coverage car insurance in Ames comes from GEICO, with an average monthly cost of $37.
We’ve saved shoppers an average of $600 per year on their car insurance.
When trying to find budget-friendly car insurance in Ames, IA, you’ll notice that prices can differ a lot.
Those searching for budget-friendly liability-only insurance will find GEICO the cheapest. Progressive is the best option for full coverage, and State Farm offers the lowest rates for younger drivers.
Cheapest Car Insurance Companies In Ames, IA 2024
Cheapest Liability-only Car Insurance In Ames: Cincinnati
GEICO leads as the cheapest car insurance provider for minimum coverage in Ames, costing $37 monthly on average.
The following table allows you to compare rates offered by various insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati Insurance | $30 | $360 |
| Travelers | $41 | $490 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Cheapest Full Coverage Insurance Rates In Ames: Auto-Owners
If you’re looking for affordable full coverage in Ames, Progressive offers the best rates at $92 per month on average.
The chart below outlines average auto insurance costs from affordable providers in Ames.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $73 | $871 |
| Cincinnati | $80 | $962 |
| Nationwide | $74 | $884 |
| Shelter | $92 | $1,107 |
| Allstate | $124 | $1,490 |
Cheapest Car Insurance Rates For Seniors: Auto-Owners
Seniors seeking affordable car insurance in Ames can rely on State Farm, with average rates of $87 a month.
Check out the table below for average quotes from the top low-cost auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $68 | $814 |
| State Farm | $86 | $1,036 |
| Allstate | $133 | $1,590 |
| Shelter | $95 | $1,135 |
| GEICO | $112 | $1,344 |
Cheapest Rates In Ames For Teenagers: Nationwide
With average premiums of $313 a month, State Farm is the best option for affordable teen car insurance in Ames.
The chart below lists the top companies with the most affordable insurance rates for teens.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $155 | $1,865 |
| State Farm | $176 | $2,109 |
| Allstate | $167 | $2,007 |
| Travelers | $198 | $2,370 |
| Auto-Owners | $243 | $2,913 |
Cheapest Auto Insurance For Young Adults in Ames: Travelers
The cheapest car insurance for young adults in Ames comes from State Farm, with rates averaging $238 per month.
The chart below provides a comparison of the lowest-priced auto insurance plans for young adults in Ames.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $91 | $1,092 |
| State Farm | $119 | $1,422 |
| Nationwide | $99 | $1,192 |
| Auto-Owners | $100 | $1,197 |
| Allstate | $130 | $1,560 |
Cheapest Car Insurance In Ames For Good Drivers: Cincinnati
GEICO offers the most cost-effective car insurance for good drivers in Ames, with monthly rates averaging $37.
Good drivers can find average rates from the most affordable insurers by using the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati Insurance | $30 | $360 |
| Shelter | $48 | $576 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Find affordable Ames rates
Cheapest Car Insurance In Ames After A Speeding Ticket: Auto-Owners
For drivers with speeding violations on their record, State Farm provides the most affordable rates in Ames, averaging $176 per month.
The table below outlines the average rates for drivers who have speeding tickets on their driving history.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $80 | $964 |
| State Farm | $107 | $1,280 |
| Cincinnati Insurance | $95 | $1,140 |
| Allstate | $148 | $1,772 |
| Progressive | $136 | $1,632 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
State Farm leads with the most affordable car insurance for drivers with an at-fault incident, costing $193 a month on average.
The list below shows the car insurance companies with the most affordable rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $99 | $1,197 |
| Cincinnati Insurance | $167 | $2,004 |
| State Farm | $116 | $1,391 |
| GEICO | $217 | $2,600 |
| Progressive | $124 | $1,490 |
Cheapest Rates In Ames For Drivers After A DUI: State Farm
State Farm delivers the most budget-friendly car insurance for Ames drivers with a DUI, at $188 per month on average.
Check the table below for the best insurance rates for drivers in Ames who have a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $107 | $1,282 |
| Nationwide | $138 | $1,657 |
| Allstate | $166 | $1,992 |
| Auto-Owners | $171 | $2,051 |
| Cincinnati | $213 | $2,555 |
Best Car Insurance Companies In Ames
The cheapest car insurance in Ames comes from AAA, with average rates of $83 a month. Progressive at $90 and GEICO at $93 are other solid options.
Here are the 10 top car insurance companies in Ames, IA, ranked by the average monthly rate they provide.
| Company | Monthly Premium |
| Cincinnati Insurance | $30 |
| Kentucky Farm Bureau | $39 |
| Travelers | $41 |
| Auto-Owners | $37 |
| State Farm | $50 |
| Nationwide | $43 |
| Allstate | $76 |
| GEICO | $53 |
| Shelter | $50 |
| Westfield | $62 |
| Grange Insurance | $89 |
Average Cost Of Auto Insurance In Ames – By Zip Code
By looking at the crime rates tied to specific zip codes, insurance companies set varying rates for car insurance based on location.
Below is a table showing the average insurance rates for Ames zip codes.
| Zip Code | Average Monthly Rate |
| 40509 | $153 |
| 40511 | $130 |
| 40516 | $105 |
| 40504 | $124 |
| 40515 | $165 |
How Much Is Car Insurance In Other Cities in Iowa?
Your location affects your car insurance rates, with urban areas generally having higher rates due to increased risk of accidents, theft, and vandalism.
Drivers in Los Angeles usually pay $243 per month for car insurance, while those in San Diego pay an average of $176 each month.
| City | Average Monthly Rate |
| Iowa City | $100 |
| Sioux City | $110 |
| Harlan | $88 |
| Cedar Rapids | $100 |
| Davenport | $120 |
| Des Moines | $110 |
| Urbandale | $95 |
| Council Bluffs | $115 |
| Waterloo | $105 |
| Dubuque | $112 |
Average Auto Insurance Rates In Ames – By Age
The cost of car insurance is largely based on age. Younger drivers, particularly teenagers, often face higher premiums due to their lack of experience and higher likelihood of accidents and tickets. Teenagers usually pay an average of $7,599 annually.
Drivers who reach 25 often see a decrease in their premiums, as long as their driving history remains clear of accidents or violations.
Drivers in their 50s and early 60s are often offered the lowest insurance premiums, as insurers use age to assess driving experience and risk, which plays a role in determining premium costs.
| Age | Average Yearly Rate |
| Teenagers | $2,820 |
| 20s | $1,620 |
| 30s | $900 |
| 40s | $1,800 |
| 50s | $960 |
| 60s | $660 |
| 70s | $840 |
Average Rates In Ames – By Vehicle
Your car’s type, including its make, model, year, and body style, plays a significant part in your insurance costs. Newer and luxury vehicles with higher repair and replacement costs typically result in more expensive premiums.
Use the table below to explore the average car insurance rates in Ames based on different vehicles.
| Vehicle | Average Monthly Rate |
| 2023 Kia Niro | $285 |
| 2008 Mitsubishi Lancer | $210 |
| 2015 Chrysler 200 | $315 |
| 2011 Toyota Camry | $60 |
| 2015 Ford F250 | $210 |
Find affordable Ames rates
Our Methodology
By evaluating customer service, product selection, pricing, and online reviews, I’ve put together a detailed analysis of the car insurance providers in Ames, IA.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Ames?
What is the average cost of car insurance in Ames?
On average, car insurance in Ames costs $180 monthly, but factors like zip code, car year and model, and driving history can affect the rates.
