Buy Cheap Wadena, IA Auto Insurance in 2024
Wadena, IA auto insurance rates average $241 a month. Minimum auto insurance requirements in Wadena, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Wadena, IA, compare Wadena auto insurance quotes from top companies.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Wadena after a DUI is Travelers
- Average auto insurance rates in Wadena, IA are $241/month
- Average auto insurance rates in Wadena, IA for teens drivers are $5,421/year
Finding affordable Wadena, Iowa auto insurance can be challenging, but everything you need to know to buy cheap Wadena, IA auto insurance with confidence is right here. Auto insurance rates in Wadena are affected by local factors as well as personal ones like your driving record.
See how Wadena, IA car insurance rates compare to Iowa City auto insurance rates, Des Moines auto insurance rates, and Council Bluffs auto insurance rates before you read more about the cost of auto insurance in Wadena.
Don’t buy Wadena, IA auto insurance until you’ve compared rates. Get free Wadena, Iowa auto insurance quotes when you enter your ZIP code above.
Wadena, IA Minimum Auto Insurance Requirements
The required auto insurance in Wadena, IA is 20/40/15 according to the auto insurance laws in Iowa. The minimum auto insurance in Wadena, Iowa is outlined here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $20,000 per person $40,000 per accident |
| Property Damage Liability Coverage | $15,000 minimum |
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Find Cheap Wadena, IA Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Wadena, IA. Take a look at Wadena, Iowa auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,310 | $2,630 | $2,370 |
| American Family | $3,904 | $2,870 | $2,412 |
| Farmers | $2,752 | $2,286 | $2,166 |
| Geico | $2,783 | $2,315 | $1,848 |
| Liberty Mutual | $6,383 | $3,934 | $3,098 |
| Nationwide | $3,243 | $2,518 | $2,212 |
| Progressive | $3,141 | $2,506 | $2,256 |
| State Farm | $3,258 | $2,015 | $1,589 |
| Travelers | $5,018 | $4,275 | $4,071 |
| USAA | $2,419 | $1,660 | $1,437 |
Buy Cheap Wadena, IA Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Wadena, Iowa auto insurance rates? Find out how car insurance rates in Wadena, IA are impacted by demographics.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $1,828 | $1,754 | $1,627 | $1,654 | $5,294 | $5,969 | $1,987 | $2,047 |
| American Family | $1,972 | $1,972 | $1,765 | $1,765 | $5,277 | $7,395 | $1,972 | $2,376 |
| Farmers | $1,483 | $1,511 | $1,327 | $1,449 | $4,490 | $4,788 | $2,009 | $2,153 |
| Geico | $1,893 | $1,693 | $1,696 | $1,552 | $4,278 | $3,972 | $1,787 | $1,651 |
| Liberty Mutual | $2,159 | $2,345 | $1,894 | $2,301 | $10,316 | $11,611 | $2,447 | $2,702 |
| Nationwide | $1,872 | $1,931 | $1,662 | $1,786 | $4,168 | $5,439 | $2,103 | $2,299 |
| Progressive | $1,913 | $1,864 | $1,574 | $1,627 | $4,357 | $4,937 | $2,308 | $2,495 |
| State Farm | $1,533 | $1,533 | $1,330 | $1,330 | $3,914 | $4,991 | $1,718 | $1,946 |
| Travelers | $2,057 | $2,102 | $1,980 | $1,990 | $8,809 | $14,021 | $2,133 | $2,546 |
| USAA | $1,234 | $1,249 | $1,130 | $1,155 | $3,305 | $3,514 | $1,482 | $1,638 |
Buy Cheap Wadena, IA Auto Insurance for Teen Drivers
Auto insurance for teenagers in Wadena can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Wadena, IA are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $5,294 | $5,969 |
| American Family | $5,277 | $7,395 |
| Farmers | $4,490 | $4,788 |
| Geico | $4,278 | $3,972 |
| Liberty Mutual | $10,316 | $11,611 |
| Nationwide | $4,168 | $5,439 |
| Progressive | $4,357 | $4,937 |
| State Farm | $3,914 | $4,991 |
| Travelers | $8,809 | $14,021 |
| USAA | $3,305 | $3,514 |
Buy Cheap Wadena, IA Auto Insurance for Seniors
You can save on senior auto insurance rates in Wadena, Iowa by comparing Wadena senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Wadena, IA here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,627 | $1,654 |
| American Family | $1,765 | $1,765 |
| Farmers | $1,327 | $1,449 |
| Geico | $1,696 | $1,552 |
| Liberty Mutual | $1,894 | $2,301 |
| Nationwide | $1,662 | $1,786 |
| Progressive | $1,574 | $1,627 |
| State Farm | $1,330 | $1,330 |
| Travelers | $1,980 | $1,990 |
| USAA | $1,130 | $1,155 |
Find Cheap Auto Insurance Rates in Wadena, IA by Coverage Level
The amount of coverage you choose is a big factor in the cost of Wadena, Iowa auto insurance. Compare Wadena, IA auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $2,676 | $2,773 | $2,861 |
| American Family | $3,078 | $3,232 | $2,875 |
| Farmers | $2,304 | $2,409 | $2,490 |
| Geico | $2,192 | $2,316 | $2,437 |
| Liberty Mutual | $4,299 | $4,464 | $4,652 |
| Nationwide | $2,792 | $2,635 | $2,545 |
| Progressive | $2,513 | $2,640 | $2,750 |
| State Farm | $2,193 | $2,298 | $2,371 |
| Travelers | $4,208 | $4,521 | $4,635 |
| USAA | $1,745 | $1,844 | $1,926 |
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Find Cheap Wadena, IA Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Wadena. Compare auto insurance rates in Wadena, IA by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $2,704 | $2,836 |
| American Family | $3,026 | $3,098 |
| Farmers | $2,401 | $2,401 |
| Geico | $2,269 | $2,362 |
| Liberty Mutual | $4,472 | $4,472 |
| Nationwide | $2,658 | $2,658 |
| Progressive | $2,634 | $2,634 |
| State Farm | $2,233 | $2,342 |
| Travelers | $4,455 | $4,455 |
| USAA | $1,771 | $1,905 |
Find Cheap Wadena, IA Auto Insurance Rates by Driving Record
Auto insurance rates in Wadena, Iowa are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Wadena, IA, take a look at the average cost for various violations versus rates for a clean driving record in Wadena.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,352 | $2,847 | $3,248 | $2,633 |
| American Family | $2,211 | $3,235 | $4,202 | $2,599 |
| Farmers | $2,047 | $2,538 | $2,573 | $2,447 |
| Geico | $1,756 | $2,451 | $3,170 | $1,884 |
| Liberty Mutual | $3,865 | $4,774 | $4,876 | $4,373 |
| Nationwide | $1,906 | $2,764 | $3,794 | $2,166 |
| Progressive | $2,128 | $3,439 | $2,303 | $2,667 |
| State Farm | $2,133 | $2,441 | $2,287 | $2,287 |
| Travelers | $3,267 | $4,326 | $5,773 | $4,452 |
| USAA | $1,405 | $1,885 | $2,451 | $1,613 |
Find Cheap Wadena, IA Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Wadena, Iowa is higher than for a clean driving record. You can buy auto insurance after a DUI in Wadena for less when you shop around and compare rates from multiple Wadena, IA auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $3,248 |
| American Family | $4,202 |
| Farmers | $2,573 |
| Geico | $3,170 |
| Liberty Mutual | $4,876 |
| Nationwide | $3,794 |
| Progressive | $2,303 |
| State Farm | $2,287 |
| Travelers | $5,773 |
| USAA | $2,451 |
Winners by Category: Where to Buy Cheap Auto Insurance in Wadena, IA
Compare rates from the cheapest auto insurance companies in Wadena, IA for your needs. Take a look at how Wadena, Iowa auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Find Cheap Wadena, Iowa Auto Insurance Companies
If you’re looking for the cheapest Wadena, IA auto insurance companies overall, you can compare them here. Find the best price for Wadena, Iowa car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $2,770 |
| American Family | $3,062 |
| Farmers | $2,401 |
| Geico | $2,315 |
| Liberty Mutual | $4,472 |
| Nationwide | $2,658 |
| Progressive | $2,634 |
| State Farm | $2,287 |
| Travelers | $4,455 |
| USAA | $1,838 |
What affects Wadena, Iowa auto insurance rates?
Local factors affect auto insurance rates in Wadena, IA, including traffic, theft statistics, and commute length. Take a look at the things that impact Wadena auto insurance rates.
Commute Times in Wadena
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Wadena, IA is 24.4 minutes according to City-Data.
Compare Auto Insurance Quotes in Wadena, IA
You can buy cheap Wadena, IA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Wadena, Iowa auto insurance quotes from top companies.
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Frequently Asked Questions
How can I find cheap auto insurance in Wadena, IA?
To find cheap auto insurance in Wadena, IA, you can follow these steps:
- Shop around: Obtain quotes from multiple insurance providers to compare rates and coverage options specific to your location in Wadena, IA.
- Consider local insurers: Research local insurance companies that operate in Wadena, IA. They may offer competitive rates or specialized coverage tailored to the area.
- Maintain a good driving record: A clean driving record with no accidents or traffic violations can help you qualify for lower insurance premiums.
- Opt for higher deductibles: Increasing your deductible—the amount you pay out of pocket before insurance coverage kicks in—can lower your premiums. Make sure the deductible amount is affordable for you in case of an accident.
- Look for discounts: Inquire about discounts offered by insurance companies, such as safe driver discounts, multi-policy discounts, or discounts for certain safety features in your vehicle.
What factors affect the cost of auto insurance in Wadena, IA?
Several factors can influence the cost of auto insurance in Wadena, IA. Some of the key factors include:
- Location: The location where you live and park your vehicle in Wadena, IA can impact insurance rates. Areas with higher crime rates or traffic congestion may have higher premiums.
- Driving record: Your driving history, including accidents, traffic violations, and claims, can affect your insurance premiums. Maintaining a clean driving record can help keep your rates lower.
- Vehicle type: The make, model, and year of your vehicle can impact insurance rates. Some vehicles may be more expensive to repair or more likely to be targeted by thieves, resulting in higher premiums.
Are there any discounts available for auto insurance in Wadena, IA?
While discounts may vary by insurance provider, there are some common discounts that may be available for auto insurance in Wadena, IA, including:
- Safe driver discount: Maintaining a clean driving record without accidents or traffic violations may qualify you for a safe driver discount.
- Multi-policy discount: If you bundle your auto insurance with other policies, such as homeowners or renters insurance, you may be eligible for a discount.
- Good student discount: If you are a student with good grades, you may qualify for a good student discount from insurance providers.
- Vehicle safety features discount: Certain safety features in your vehicle, such as anti-lock brakes, airbags, and anti-theft systems, may qualify for discounts.
Can I get cheap auto insurance in Wadena, IA if I have a low income?
If you have a low income, there are potential options to obtain affordable auto insurance in Wadena, IA. Consider the following:
- State assistance programs: Check if your state offers any assistance programs or low-income auto insurance options. These programs may provide affordable coverage tailored to individuals with low incomes.
- Non-profit organizations: Some non-profit organizations may offer discounted or subsidized auto insurance options for low-income individuals. Research local resources and organizations that focus on providing affordable insurance solutions.
- Government programs: Explore government programs that provide financial assistance or subsidies for auto insurance. These programs vary by location, so check with local government agencies for available options.
- Insurance discounts and payment plans: Inquire with insurance providers about discounts and flexible payment plans. Some insurers may offer discounts specifically designed for low-income individuals or provide payment options to make premiums more manageable.
How can I lower my auto insurance premiums in Wadena, IA?
To lower your auto insurance premiums in Wadena, IA, you can consider the following strategies:
- Maintain a good driving record: Avoid accidents and traffic violations to keep your driving record clean. Insurance companies typically offer lower premiums to drivers with a history of safe driving.
- Increase your deductible: Opting for a higher deductible means you’ll pay more out of pocket in the event of a claim, but it can lower your premium costs.
- Bundle policies: If you have other insurance policies, such as home or renters insurance, consider bundling them with your auto insurance. Many insurers offer discounts for multi-policy holders.
- Inquire about discounts: Ask your insurance provider about available discounts. This may include safe driver discounts, good student discounts (if applicable), or discounts for certain safety features in your vehicle.
- Shop around: Compare quotes from multiple insurance providers to find the best rates and coverage options for your needs. Different insurers may offer varying premiums, so it’s important to do your research.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.