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

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Last Updated: January 2022

Car Insurance in Ottumwa, 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 Ottumwa, IA to find you the cheapest quotes in the area.
ProgressiveState FarmGEICOAmerican FamilyLiberty Mutual

Cheapest Car Insurance in Ottumwa, 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

IowaDes MoinesCedar RapidsDavenportSioux CityOttumwa
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Ottumwa, 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.

Find local Ottumwa agents

NOEL Insurance, Inc.
219 4th Street West, Ottumwa, IA 52501
McCune & Reed Inc
119 N. Washington St, Ottumwa, IA 52501
Rominger Insurance Agency, Inc.
109 West 2nd Street, Ottumwa, IA 52501
Schwartz Insurance Inc
106 West 2nd, Suite #1, Ottumwa, IA 52501
Shelter Insurance - Marvin Boyer
540 Church St, Ottumwa, IA 52501
Allstate Insurance Company
425 W 2nd St, Ottumwa, IA 52501
Kurtz Insurance Agency
527 Church St, Ottumwa, IA 52501
Farmers Insurance - Lori Mason
112 N Court St, Ottumwa, IA 52501
Doug Bauman - State Farm Insurance Agent
523 Church St, Ottumwa, IA 52501
Craig Heemsbergen American Family Insurance
801 N Quincy Ave, Ottumwa, IA 52501

Insurify Insights: How Ottumwa Drivers Measure Up

Ford F-Series Pickup
Most Popular Car in
Ottumwa, IA
suspended licenses
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 Ottumwa 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.

Most Popular Vehicle in Ottumwa

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Ottumwa is the Ford F-Series Pickup.

DUI/DWIs in Ottumwa

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

  • Rank within state: #--
  • Percent of drivers in Ottumwa with a DUI: {{percentDrivers}}%
  • Drivers in Ottumwa, IA with a DUI in their driving history paid on average {{overpay}}% more than drivers with a clean record

Speeding in Ottumwa

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

  • Rank within state: #--
  • Percent of drivers in Ottumwa with a speeding ticket: {{percentDrivers}}%
  • Drivers in Ottumwa, IA with a speeding ticket in their driving history paid on average {{overpay}}% more than drivers with a clean record


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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