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Cheap Auto Insurance Quotes in Waterloo, IA (October 2022)
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Edited by Olivia Oksenhorn | Reviewed by Licensed Insurance Agent, Amber Benka
Updated August 31, 2022
Car Insurance in Waterloo, 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 Waterloo, IA to find you the cheapest quotes in the area.
Quick Facts
The average cost of car insurance in Waterloo is $130 per month, or $1560 annually.
Car insurance in Waterloo is $12 less than the average cost of car insurance in Iowa.
The cheapest car insurance provider in Waterloo on average is Safeco, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Progressive$31
State Farm$35
Allstate$40
American Family$107
The General$184
See More:
Cheapest Car Insurance in Waterloo, 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 Waterloo | Quotes 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. |
|---|---|
| Progressive | $31 /mo |
| State Farm | $35 /mo |
| Allstate | $40 /mo |
| American Family | $107 /mo |
| The General | $184 /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 |
| Waterloo | $79/mo |
| Iowa | $78/mo |
Cedar Rapids$64
Des Moines$70
Average for IA$78
Waterloo$79
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 Waterloo agents
Sinnott Agency Inc
622 West 4th Street,
Waterloo, IA 50704Egner-Peters Agency Inc
834 W 4th,
Waterloo, IA 50703Fish-Johnson Insurance Agency Inc
3265 W 4th St,
Waterloo, IA 50701BankIowa Insurance LLC
PO Box 1475,
Waterloo, IA 50704Elliott-Hartman Agency
611 Ansborough Ave,
Waterloo, IA 50704Peoples/Duchene Insurance Agency
1601 University Avenue,
Waterloo, IA 50701PDCM Insurance, Inc.
3022 Airport Boulevard,
Waterloo, IA 50704Members Ins Svcs LLC / Veridian Ins
1827 Ansborough Ave,
Waterloo, IA 50701-3629Kvale Insurance
1425 West 5th Street,
Suite 3, Waterloo, IA 50702Yarwood Insurance Agency Inc.
1010 E Mitchell Ave \#2,
Waterloo, IA 50702
For more detailed Iowa city level guides, check out these below.
FAQs - Waterloo, 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.
Insurify Insights
How Waterloo Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Waterloo, Iowa below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Waterloo drivers measure up to their fellow motorists across Iowa in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Chevrolet Impala
Most Popular Car in Waterloo
#11
City with the Most Speeding Tickets Rank in Iowa
#14
City with the Most Moving Violations Rank in Iowa
#1
City with the Most DUIs Rank in Iowa
#10
City with the Most Suspended Licenses in Iowa
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. Waterloo drivers rank 17 in the number of car accidents per driver across all cities in Iowa.
- Rank within state: #17
- Percent of drivers in Waterloo with an accident: 8.5%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Waterloo drivers rank 1 in the number of DUI’s per driver across all cities in Iowa.
- Rank within state: #1
- Percent of drivers in Waterloo with a DUI: 4.4%
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, Waterloo drivers rank 18 in the number of reckless driving offenses per driver.
- Rank within state: #18
- Percent of drivers in Waterloo with a reckless driving offense: 1.6%
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, Waterloo drivers rank 19 in rude driving infractions.
- Rank within state: #19
- Percent of drivers in Waterloo with a reckless driving violation: 1.7%
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Iowa, Waterloo drivers rank 11 in the number of speeding infractions per driver.
- Rank within state: #11
- Percent of drivers in Waterloo with a speeding ticket: 14%
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Waterloo drivers rank 17 in clean driving records across all cities in Iowa.
- Rank within state: #17
- Percent of drivers in Waterloo with clean record: 71.4%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Waterloo drivers rank 22 in hybrid and electric vehicle ownership across all cities in Iowa.
- Rank within state: #22
- Percent of drivers in Waterloo with a hybrid/electric vehicle: 0.29%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
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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.
Editorial Manager
Tanveen Vohra is an editorial 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