Cheap Auto Insurance Quotes in Council Bluffs, IA (2023)

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.

See More:

• Cheap Car Insurance Iowa

• Compare Car Insurance

Cheapest Car Insurance in Council Bluffs, 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!

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 company reviews. The following are the top rated companies that offer car insurance in Council Bluffs. For the complete list, see Insurify's best car insurance companies .

See More: Best Car Insurance Companies

Average Car Insurance Cost

Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Iowa

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.

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.

See More:

• High-risk Car Insurance Iowa

• DUI Car Insurance Iowa

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.

See More: Bad Credit Car Insurance Iowa

Find local Council Bluffs agents

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.

For more detailed Iowa city level guides, check out these below.

• Average Cost of Car Insurance Rates in Iowa

• DUI Car Insurance Rates in Iowa

• High-Risk Driver Car Insurance Rates in Iowa

• Iowa Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Iowa

• SR-22 Insurance in Iowa

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.