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

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Last Updated: January 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.
$31
$35
$40
$107
$184
ProgressiveState FarmAllstateAmerican FamilyThe General

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!

Average Car Insurance Cost

$78
$70
$64
$92
$85
$79
IowaDes MoinesCedar RapidsDavenportSioux CityWaterloo
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
#5
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 in 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 in 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 in Waterloo

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: 4.6%
  • 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 in 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 Drivers in 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 in 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 in 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 in 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%

Methodology

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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