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Cheap Auto Insurance Quotes in Ames, IA (January 2022)

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Last Updated: January 2022

Car Insurance in Ames, IA

The average cost of Iowa car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Ames, IA to find you the cheapest quotes in the area.
$18
$29
$42
$71
$79
ProgressiveState FarmAllstateGEICONationwide

Cheapest Car Insurance in Ames, IA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

$76
$70
$64
$92
$85
$67
IowaDes MoinesCedar RapidsDavenportSioux CityAmes
Click here to learn about car insurance quotes and save on your current policy.

Ames, IA Driving Facts

iowa

Minimum Car Insurance Requirements in IA

Iowa drivers are held to different standards than most of the nation's motorists: there is no specific law mandating that they purchase Iowa car insurance. However, if an Iowa driver gets into an accident, or gets a license suspended or revoked, they must demonstrate proof of financial responsibility to the state's Department of Transportation.

Insurify Insights: How Ames Drivers Measure Up

ford
Ford Focus
Most Popular Car in
Ames, IA
suspended licenses
#11
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Ames drivers measure up to their fellow Iowa motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Ames

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Ames drivers rank 4 in the number of car accidents per driver across all cities in Iowa.

  • Rank within state: #4
  • Percent of drivers in Ames with an accident: 12.85%
  • Drivers in Ames, IA with an accident in their driving history paid on average 42.75% more than drivers with a clean record

Speeding in Ames

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Iowa, Ames drivers rank 3 in the number of speeding infractions per driver.

  • Rank within state: #3
  • Percent of drivers in Ames with a speeding ticket: 17.6%
  • Drivers in Ames, IA with a speeding ticket in their driving history paid on average 39.86% more than drivers with a clean record

DUI/DWIs in Ames

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Ames drivers rank 3 in the number of DUI’s per driver across all cities in Iowa.

  • Rank within state: #3
  • Percent of drivers in Ames with a DUI: 4.19%
  • Drivers in Ames, IA with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Ames

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Ames is the Ford Focus.

Hybrid/Electric Vehicle Ownership in Ames

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Ames drivers rank 1 in hybrid and electric vehicle ownership across all cities in Iowa.

  • Rank within state: #1
  • Percent of drivers in Ames with a hybrid/electric vehicle: 2.26%

Green Driving in Ames, IA

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

Environment Iowa, based in Des Moines, advocates on behalf of the most pressing environmental issues in the state. Their priorities include progressive moves toward solar energy, clean water, and saving dwindling bee populations. The state of Iowa offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.

Greenes Cities

Ames

Greenes Cities
% of Hybrids / Electrics
2%

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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