Cheap Auto Insurance Quotes in Council Bluffs, IA (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Most people in Council Bluffs commute to work, driving an average of about 18 minutes to get there. To stay safe and legal on the road, you’ll need the right car insurance policy that meets your needs and fits your budget.

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.

Car Insurance in Council Bluffs, 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 Council Bluffs, IA to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Council Bluffs, IA

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.

Best Car Insurance in Council Bluffs, IA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Council Bluffs. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Council Bluffs, IA Driving Facts

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.

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Council Bluffs Car Insurance Rates by Driver Age

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 AgeAvg. Monthly Cost
teens$470
20s$289
30s$207
40s$180
50s$297
60s$98
70s$80
80s$119
Driving HistoryAvg. Monthly Cost
No Violation$222
Speeding Ticket$284
At-Fault Accident$281
Failure to Stop for Red Light / Stop Sign$300

Council Bluffs Car Insurance Rates by Driving and Accident History

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.

Council Bluffs Car Insurance Rates by Credit Tier

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 TieAvg. Monthly Cost
Excellent$281
Good$292
Average$201
Poor$198

Council Bluffs, IA DMV Information

There are two DMVs in Council Bluffs: one handles registration and title, and the other handles driver's licenses.

Public Transportation in Council Bluffs, IA

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.

Conclusion: How to get the best and cheapest car insurance in Council Bluffs, IA

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Council Bluffs stacks up for the state of Iowa:

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Ford F-Series Pickup
Most Popular Car in
Council Bluffs, IA
suspended licenses
#1
Cities with Most
Suspended Licenses Rank

FAQs - Council Bluffs, IA Car Insurance

How much is car insurance in Council Bluffs?

The average monthly premium for car insurance in Council Bluffs is $110. That’s significantly higher than Iowa’s average of $84 per month, but less than the national average. You may be able to get a lower rate by using a comparison tool like Insurify to narrow down your options.

Will my credit score affect my car insurance premium in Council Bluffs?

Yes, most auto insurance providers will use your credit score to determine your premium. Before you apply for car insurance, check your credit score so you know what to expect, and try to make improvements if possible. You might pay down debt or ask for a higher limit on a credit card to increase your score. Some companies known for providing affordable coverage to people with bad credit include Hastings Mutual, Integrity, and GEICO.

What is the penalty for driving without car insurance in Council Bluffs?

If you get pulled over and don’t have proof of insurance, you could be charged a $250 fine, have your vehicle impounded, and have your registration or license suspended. What’s more, if you get in an accident without car insurance, you could be on the hook for thousands of dollars in damages.