Cheap Auto Insurance Quotes in Waterloo, IA (2021)

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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.

Quotes by Top Carriers
Quotes ($/mo)
$31
$35
$40
$107
$184
ProgressiveState FarmAllstateAmerican FamilyThe General
Monthly $

Cheapest Car Insurance in Waterloo, IA

Here are the cheapest carriers in Waterloo 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.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$78
$70
$64
$92
$85
$79
IowaDes MoinesCedar RapidsDavenportSioux CityWaterloo
Monthly $

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

Waterloo, IA Driving Facts

iowa

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 Waterloo agents

Sinnott Agency Inc
622 West 4th Street, Waterloo, IA 50704
Egner-Peters Agency Inc
834 W 4th, Waterloo, IA 50703
Fish-Johnson Insurance Agency Inc
3265 W 4th St, Waterloo, IA 50701
BankIowa Insurance LLC
PO Box 1475, Waterloo, IA 50704
Elliott-Hartman Agency
611 Ansborough Ave, Waterloo, IA 50704
Peoples/Duchene Insurance Agency
1601 University Avenue, Waterloo, IA 50701
PDCM Insurance, Inc.
3022 Airport Boulevard, Waterloo, IA 50704
Members Ins Svcs LLC / Veridian Ins
1827 Ansborough Ave, Waterloo, IA 50701-3629
Kvale Insurance
1425 West 5th Street, Suite 3, Waterloo, IA 50702
Yarwood Insurance Agency Inc.
1010 E Mitchell Ave #2, Waterloo, IA 50702

Insurify Insights: How Waterloo Drivers Measure Up

chevrolet
Chevrolet Malibu
Most Popular Car in
Waterloo, IA
suspended licenses
#2
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 Waterloo 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.

Accidents Waterloo

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 11 in the number of car accidents per driver across all cities in Iowa.

  • Rank within state: #11
  • Percent of drivers in Waterloo with an accident: 9.73%
  • Drivers in Waterloo, IA with an accident in their driving history paid on average 58.21% more than drivers with a clean record

Speeding Waterloo

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 7 in the number of speeding infractions per driver.

  • Rank within state: #7
  • Percent of drivers in Waterloo with a speeding ticket: 15.32%
  • Drivers in Waterloo, IA with a speeding ticket in their driving history paid on average 52.24% more than drivers with a clean record

DUI/DWIs Waterloo

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Waterloo drivers rank 2 in the number of DUI’s per driver across all cities in Iowa.

  • Rank within state: #2
  • Percent of drivers in Waterloo with a DUI: 4.86%
  • Drivers in Waterloo, IA with a DUI in their driving history paid on average 27.61% more than drivers with a clean record

Most Popular Vehicle Waterloo

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Waterloo is the Chevrolet Malibu.

Rude Waterloo

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 6 in rude driving infractions.

  • Rank within state: #6
  • Percent of drivers in Waterloo with a reckless driving violation: 2.34%
  • Drivers in Waterloo, IA with a reckless driving violation in their driving history paid on average 35.82% more than drivers with a clean record.

Safest Drivers Waterloo

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Waterloo drivers rank 2 in clean driving records across all cities in Iowa.

  • Rank within state: #2
  • Percent of drivers in Waterloo with clean record: 75.14%

Failure to Yield the Right of Way Waterloo

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Waterloo drivers rank 5 in failure to yield violations per driver across all cities in Iowa.

  • Rank within state: #5
  • Percent of drivers in Waterloo with a failure to yield violation: 0.54%
  • Drivers in Waterloo, IA with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Waterloo

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 2 in the number of reckless driving offenses per driver.

  • Rank within state: #2
  • Percent of drivers in Waterloo with a reckless driving offense: 0.18%

Insurify Rate Comparison Methodology

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.