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Cheap Auto Insurance Quotes in Mason City, IA (August 2022)
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Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Car Insurance in Mason City, 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 Mason City, IA to find you the cheapest quotes in the area.
Quick Facts
- The average cost of car insurance in Mason City is $103 per month, or $1236 annually.
- Car insurance in Mason City is $39 less than the average cost of car insurance in Iowa.
- The cheapest car insurance provider in Mason City on average is Acuity, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Progressive$17
State Farm$30
Allstate$38
Nationwide$84
American Family$103
Cheapest Car Insurance in Mason City, 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!
| Insurance Provider in Mason City | Quotes |
|---|---|
| Progressive | $17 /mo |
| State Farm | $30 /mo |
| Allstate | $38 /mo |
| Nationwide | $84 /mo |
| American Family | $103 /mo |
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Average Car Insurance Cost
| Iowa Cities | |
|---|---|
| Des Moines | $70/mo |
| Cedar Rapids | $64/mo |
| Davenport | $92/mo |
| Sioux City | $85/mo |
| Mason City | $80/mo |
| Iowa | $78/mo |
Cedar Rapids$64
Des Moines$70
Average for IA$78
Mason City$80
Sioux City$85
Davenport$92
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in Iowa
All motor vehicles operated or parked on Iowa roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Iowa[1] are:
- $20,000 per person for bodily injury
- $40,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Iowa is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
- $15,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
Find local Mason City agents
Haines Insurance Inc
408 S. Monroe,
Mason City, IA 50401North Central Insurance
517 S Federal Avenue,
Mason City, IA 50401FIAHC, Inc.; First Insurance Agency,
20 East State Street,
Mason City, IA 50401Jaspersen Insurance & RE
113 North Federal,
Mason City, IA 50401Mason City All Risk Insurance Inc.
1415 S Monroe,
Mason City, IA 50401Theilen Insurance Agency Inc.
519 4th Street NW,
Mason City, IA 50401Edwards-Brandt & Assoc Inc
2007 4th Street SW,
Mason City, IA 504011st Insurance Agency
20 E State St,
Mason City, IA 50401Tim Ihlenfeldt - State Farm Insurance Agent
502 S Jersey Ave,
Mason City, IA 50401Matt Dodge Agency, Inc American Family Insurance
19 1/2 2nd St NE,
Mason City, IA 50401
FAQs - Mason City, IA Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim. If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs. Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.
Insurance Content Project Manager
Tanveen Vohra is an insurance content manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.
Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.
Learn MoreSources
- Iowa Insurance Division. "State Minimum Car Insurance Requirements." Accessed May 28, 2022