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Less than 1 percent of Council Bluffs residents use public transportation, and each household has two cars on average. With so much reliance on their vehicles, families need a policy that will adequately cover both cars. Considering the minimal transit options, households may want to opt for rental car reimbursement coverage to ensure they can still commute and get errands done if a vehicle becomes undrivable after an accident.
The average cost of Iowa car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Council Bluffs, IA to find you the cheapest quotes in the area.
Here are the cheapest carriers in Council Bluffs for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
 Progressive | $28/mo |
 State Farm | $40/mo |
 Allstate | $44/mo |
 Nationwide | $107/mo |
 Liberty Mutual | $146/mo |
| Best Companies | ||
|---|---|---|
Liberty Mutual | $219/mo |
Iowa Cities | |
|---|---|
| Des Moines | $70/mo |
| Cedar Rapids | $64/mo |
| Davenport | $92/mo |
| Sioux City | $85/mo |
| Council Bluffs | $110/mo |
| Iowa | $84/mo |
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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.
Teenage Iowans will have their work cut out for them in Council Bluffs to make that $469 per month payment. When driving experience increases, rates tend to go down. That’s why for twentysomethings, a few years’ experience cuts their prices by more than $175. The rates slide down and hit a speed bump for those in their 50s because they’re likely putting their teenage kids on their policies. Once you pass retirement age, it gets as low as $80 a month for those in their 70s, a price that’s far below the state average of $158.
| Driver's Age | |
|---|---|
| teens | $470 |
| 20s | $289 |
| 30s | $207 |
| 40s | $180 |
| 50s | $297 |
| 60s | $98 |
| 70s | $80 |
| 80s | $119 |
| Driving History | |
|---|---|
| No Violation | $222 |
| Speeding Ticket | $284 |
| At-Fault Accident | $281 |
| Failure to Stop for Red Light / Stop Sign | $300 |
Does safe driving pay for itself in the Hawkeye State? Drivers with a clean history have to answer yes. Not only do they qualify for the good driver and accident-free discounts from insurance companies, but they also pay $75 less than drivers who ran a red light or stop sign. If a driver has a ticket or accident on their record, it’s not all bad news. Give it three years of careful driving, and the mishaps stops affecting the rate.
Drivers in Council Bluffs may scratch their heads when trying to figure out what their credit history has to do with their ability to drive. But Iowa, like most states in the nation, allows insurance companies to factor in credit when setting rates. If that’s the case, why do the drivers with the poorest credit pay the least? Drivers with better credit can afford to finance costlier vehicles and need higher coverage levels to protect their assets.
| Credit Tie | |
|---|---|
| Excellent | $281 |
| Good | $292 |
| Average | $201 |
| Poor | $198 |
There are two DMVs in Council Bluffs: one handles registration and title, and the other handles driver's licenses.
Public transit is fairly limited, but it’s possible to flag down a bus along the metro routes. There’s also a Park-N-Ride lot at the northwest corner of 8th & Kanesville where you can leave your car before hopping on the bus. Uber, Lyft, and taxi services also operate in the city, with Lyft being the cheapest of the options.
Car insurance in Council Bluffs can be pricey. To get the lowest premium, you’ll need to compare customized quotes from various auto insurance providers. The easiest way to get the lowest rate in just a few steps is to use Insurify.
An estimated 8.7 percent of drivers in Iowa don’t have car insurance. It’s a good idea to get full coverage, and you may want to add uninsured motorist coverage in case you are in an accident caused by a driver without insurance. To find the right policy for you, use Insurify to compare premiums across providers.
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 Council Bluffs 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.
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. Council Bluffs drivers rank 8 in the number of car accidents per driver across all cities in Iowa.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Iowa, Council Bluffs drivers rank 11 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Council Bluffs drivers rank 11 in the number of DUI’s per driver across all cities in Iowa.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Council Bluffs is the Ford F-Series Pickup.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Iowa, Council Bluffs drivers rank 2 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Council Bluffs drivers rank 4 in clean driving records across all cities in Iowa.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Council Bluffs drivers rank 3 in failure to yield violations per driver across all cities in Iowa.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Iowa, Council Bluffs drivers rank 6 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Council Bluffs drivers rank 6 in hybrid and electric vehicle ownership across all cities in Iowa.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
