Affordable Car Insurance Rates in Ames, IA (2024)
Car insurance rates in Ames, IA are $222/month on average. By law, Iowa drivers need to carry at least 20/40/15 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Ames car insurance companies to get the coverage you need at the best rates available.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jan 9, 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 provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 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 provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance 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
- Average car insurance rates in Ames, IA are $222/month
- The cheapest car insurance company in Ames after a DUI is Progressive
- Average car insurance rates in Ames, IA for senior drivers are $1,456/year
Average car insurance rates in Ames, Iowa are $222 a month. But with a little research you can get a great deal from the top car insurance companies in Ames, IA. Before you buy Ames, Iowa car insurance, make sure your coverage meets or exceeds the Iowa minimum of 20/40/15.
It may even be helpful to compare Ames car insurance rates with West Des Moines car insurance rates, Cedar Rapids car insurance rates, or Council Bluffs car insurance rates to make sure you’re getting the best Ames, IA car insurance quotes available.
Need affordable Ames, IA car insurance? Enter your ZIP code to compare Ames car insurance quotes from multiple car insurance companies near you.
Ames, IA Minimum Car Insurance Coverage
Ames, Iowa law requires drivers carry a minimum of 20/40/15 coverage. Take a look at the breakdown of the minimums here.
| 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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Ames, IA Car Insurance Rates by Coverage Level
Some Ames drivers can get by with the Iowa minimum coverage of 20/40/15. Other drivers may need more. See how much your Ames, Iowa car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $2,695 | $2,792 | $2,879 |
| American Family | $2,607 | $2,755 | $2,465 |
| Farmers | $2,123 | $2,227 | $2,310 |
| Geico | $1,698 | $1,799 | $1,899 |
| Liberty Mutual | $4,089 | $4,247 | $4,419 |
| Nationwide | $2,476 | $2,382 | $2,301 |
| Progressive | $2,057 | $2,205 | $2,326 |
| State Farm | $1,891 | $2,016 | $2,102 |
| Travelers | $4,509 | $4,868 | $5,010 |
| USAA | $1,452 | $1,550 | $1,630 |
Ames, IA Car Insurance Rates by Age, Gender, and Marital Status
Ames, Iowa car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Ames, IA car insurance, get quotes from multiple car insurance companies in the Ames area and see how these criteria affect your 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 | $1,832 | $1,756 | $1,635 | $1,663 | $5,361 | $6,041 | $1,984 | $2,036 |
| American Family | $1,672 | $1,672 | $1,502 | $1,502 | $4,538 | $6,310 | $1,672 | $2,007 |
| Farmers | $1,367 | $1,393 | $1,223 | $1,339 | $4,167 | $4,441 | $1,852 | $1,980 |
| Geico | $1,446 | $1,305 | $1,325 | $1,224 | $3,363 | $3,133 | $1,350 | $1,244 |
| Liberty Mutual | $1,968 | $2,127 | $1,738 | $2,107 | $10,072 | $11,316 | $2,230 | $2,454 |
| Nationwide | $1,631 | $1,665 | $1,460 | $1,547 | $3,905 | $5,004 | $1,864 | $2,016 |
| Progressive | $1,490 | $1,417 | $1,232 | $1,281 | $3,959 | $4,455 | $1,790 | $1,943 |
| State Farm | $1,242 | $1,242 | $1,112 | $1,112 | $3,677 | $4,618 | $1,403 | $1,620 |
| Travelers | $2,144 | $2,184 | $2,106 | $2,104 | $9,652 | $15,317 | $2,239 | $2,618 |
| USAA | $1,031 | $1,036 | $955 | $964 | $2,818 | $2,974 | $1,226 | $1,347 |
Ames, IA Car Insurance Rates for Teens
How much is Ames, Iowa car insurance for teens? Compare rates from top Ames car insurance companies below to help find the cheapest teen car insurance in Ames, IA.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $5,361 | $6,041 |
| American Family | $4,538 | $6,310 |
| Farmers | $4,167 | $4,441 |
| Geico | $3,363 | $3,133 |
| Liberty Mutual | $10,072 | $11,316 |
| Nationwide | $3,905 | $5,004 |
| Progressive | $3,959 | $4,455 |
| State Farm | $3,677 | $4,618 |
| Travelers | $9,652 | $15,317 |
| USAA | $2,818 | $2,974 |
Ames, IA Car Insurance Rates for Seniors
Before seniors buy Ames, Iowa car insurance, they should make sure to shop around. Some Ames, IA car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,635 | $1,663 |
| American Family | $1,502 | $1,502 |
| Farmers | $1,223 | $1,339 |
| Geico | $1,325 | $1,224 |
| Liberty Mutual | $1,738 | $2,107 |
| Nationwide | $1,460 | $1,547 |
| Progressive | $1,232 | $1,281 |
| State Farm | $1,112 | $1,112 |
| Travelers | $2,106 | $2,104 |
| USAA | $955 | $964 |
Ames, IA Car Insurance Rates by Credit History
How does your credit history affect Ames, IA car insurance rates? Review the numbers here to find out.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,327 | $2,651 | $2,388 |
| American Family | $3,323 | $2,444 | $2,061 |
| Farmers | $2,547 | $2,113 | $2,001 |
| Geico | $2,156 | $1,799 | $1,441 |
| Liberty Mutual | $6,043 | $3,758 | $2,953 |
| Nationwide | $2,885 | $2,281 | $1,994 |
| Progressive | $2,569 | $2,103 | $1,916 |
| State Farm | $2,852 | $1,765 | $1,393 |
| Travelers | $5,388 | $4,607 | $4,391 |
| USAA | $2,019 | $1,398 | $1,215 |
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Ames, IA Car Insurance Rates by Driver History
How does a single speeding ticket affect your Ames, Iowa car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Ames.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,367 | $2,865 | $3,271 | $2,651 |
| American Family | $1,881 | $2,775 | $3,572 | $2,210 |
| Farmers | $1,891 | $2,349 | $2,385 | $2,257 |
| Geico | $1,342 | $1,901 | $2,514 | $1,438 |
| Liberty Mutual | $3,669 | $4,552 | $4,623 | $4,162 |
| Nationwide | $1,745 | $2,480 | $3,356 | $1,965 |
| Progressive | $1,757 | $2,922 | $1,909 | $2,196 |
| State Farm | $1,833 | $2,173 | $2,003 | $2,003 |
| Travelers | $3,481 | $4,662 | $6,253 | $4,786 |
| USAA | $1,178 | $1,587 | $2,058 | $1,353 |
Ames, IA Car Insurance Rates With a DUI
Even a single DUI can increase your Ames, IA car insurance rates. Compare rates below to see which Ames car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,271 |
| American Family | $3,572 |
| Farmers | $2,385 |
| Geico | $2,514 |
| Liberty Mutual | $4,623 |
| Nationwide | $3,356 |
| Progressive | $1,909 |
| State Farm | $2,003 |
| Travelers | $6,253 |
| USAA | $2,058 |
Ames, IA Car Insurance Rates by ZIP Code
Just like Ames car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Ames, IA car insurance rates fluctuate by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 50010 | $2,248 |
| 50011 | $2,251 |
| 50012 | $2,233 |
| 50013 | $2,260 |
| 50014 | $2,242 |
Ames, IA Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Ames, IA car insurance rates may be. Let’s take a look at average car insurance rates from top Ames companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $2,722 | $2,854 |
| American Family | $2,579 | $2,640 |
| Farmers | $2,220 | $2,220 |
| Geico | $1,768 | $1,829 |
| Liberty Mutual | $4,252 | $4,252 |
| Nationwide | $2,387 | $2,387 |
| Progressive | $2,196 | $2,196 |
| State Farm | $1,955 | $2,051 |
| Travelers | $4,796 | $4,796 |
| USAA | $1,488 | $1,600 |
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Ames, IA Cheapest Car Insurance Rates
How do the top Ames, Iowa car insurance companies’ average rates stack up against the Ames average monthly car insurance rates of $222? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | USAA |
Ames, IA Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Ames, Iowa car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $2,788 |
| American Family | $2,609 |
| Farmers | $2,220 |
| Geico | $1,799 |
| Liberty Mutual | $4,252 |
| Nationwide | $2,387 |
| Progressive | $2,196 |
| State Farm | $2,003 |
| Travelers | $4,796 |
| USAA | $1,544 |
Other Factors Affecting Ames, IA Car Insurance Rates
Before you buy Ames, Iowa car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Ames, IA Commute Time
How does your Ames, IA commute time compare with the average driver? In Ames, the average commute is 16.4 minutes.
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Ames, IA Car Insurance Quotes
Compare Ames, IA car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.