Cheapest Car Insurance Quotes in Mount Ayr

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Mount Ayr Car Insurance

^$ 21

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Mount Ayr

The car insurance rate in Mount Ayr is $674 for a six-month policy, which is $7 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $408, making it a popular choice for budget-conscious drivers. Rates in Mount Ayr can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Mount Ayr

$674

Avg. Car Insurance in Indiana

$667

National Average

$1140

Cheapest Car Insurance Companies in Mount Ayr

1st place: AutoOwners Insurance Co

At $408 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Westfield

Westfield offers auto insurance rates at $414 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $516 for six months, making it the third cheapest auto insurance company in Mount Ayr.

Mount Ayr Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mount Ayr, IN is AutoOwners Insurance Co, offering policies at just $408 for a six-month term. This is followed by Westfield, which has an average six-month premium of $414.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1248 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mount Ayr drivers find the best deals.

Cheap Car Insurance Companies in Mount Ayr, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$408	$68
Westfield	$414	$71
Nationwide	$516	$87
American Family	$534	$90
USAA	$570	$96
Hastings Mutual	$576	$97
Travelers	$636	$107
Hastings Insurance	$648	$110
Progressive	$666	$112
Auto-Owners	$690	$116
State Farm	$924	$156
Farm Bureau	$930	$159
Allstate	$1248	$210

Key Takeaways

Way's key takeaways about car insurance in Mount Ayr

The auto insurance costs in Mount Ayr fall around $408 for six months.
The cheapest auto insurance company in Mount Ayr is Westfield.
Teen drivers pay the highest rate in Mount Ayr at $554 per month.

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Cheapest Minimum Liability Car Insurance in Mount Ayr

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Mount Ayr are given below.

Westfield provides the cheapest minimum car insurance coverage in Mount Ayr. Their Average 6 Month Premium is $126. Farmers is the most expensive at $228 for the same period.

Cheapest Liability Coverage in Mount Ayr, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$126	$21
USAA	$162	$27
Auto-Owners Insurance Co	$168	$28
Hastings Mutual	$180	$30
Indiana Farmers	$186	$31
American Family	$204	$34
Auto-Owners	$204	$34
Progressive	$216	$36
Grange	$222	$37
Travelers	$228	$38
SafeAuto	$246	$41
State Farm	$264	$44
Farm Bureau	$300	$52
Allstate	$492	$83
Farmers	$228	$38

Cheapest Full Coverage Car Insurance in Mount Ayr

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Mount Ayr is AutoOwners Insurance Co at $68 per month and $408 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mount Ayr, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$408	$68
Westfield	$414	$71
Nationwide	$516	$87
American Family	$534	$90
USAA	$570	$96
Hastings Mutual	$576	$97
Travelers	$636	$107
Hastings Insurance	$648	$110
Progressive	$666	$112
Auto-Owners	$690	$116
State Farm	$924	$156
Farm Bureau	$930	$159
Allstate	$1248	$210

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Average Car Insurance in Mount Ayr by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Mount Ayr, IN increasing?

Despite maintaining a clean driving record, your car insurance rates in Mount Ayr, Indiana, may be increasing due to several external factors. Indiana has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Mount Ayr's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Mount Ayr

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	USAA	$433
40s	USAA	$406
50s	USAA	$384
60s	USAA	$400
70s	Buckeye Insurance Group	$427

Cheapest Car Insurance Rates for Teen Drivers in Mount Ayr,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Mount Ayr at $25 per month. At $3263 for a six-month premium, Farm Bureau offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$150	$25
Auto-Owners Insurance Co	$216	$36
Grange	$234	$39
USAA	$480	$81
Travelers	$726	$122
Progressive	$840	$141
American Family	$1463	$246
Auto-Owners	$1950	$325
State Farm	$2028	$344
Allstate	$2412	$402
Farm Bureau	$3263	$554

Teen Car Insurance Rates in IN by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Mount Ayr.

As young drivers face the highest rates in Mount Ayr, USAA offers the cheapest auto insurance rates at $433 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Mount Ayr, Westfield is the cheapest car insurance provider. At $240 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Mount Ayr is State Farm, offering rates of around $2946 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$240	$40
Nationwide	$282	$47
Grange	$300	$51
Travelers	$666	$112
Progressive	$702	$118
USAA	$768	$130
American Family	$822	$138
Allstate	$996	$168
Farm Bureau	$1896	$316
Auto-Owners	$2046	$347
State Farm	$2946	$491

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Car Insurance Rates with An Accident in Mount Ayr

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Mount Ayr, IN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Ayr

The cheapest car insurance companies after an at-fault accident in Mount Ayr include AutoOwners Insurance Co and Indiana Farmers, offering $234 and $240, respectively. Allstate is an expensive provider with an average six-month premium of $1986.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$234	$39
Indiana Farmers	$240	$40
Grange	$264	$44
Farmers	$306	$53
USAA	$408	$69
Travelers	$474	$80
Auto-Owners	$486	$82
Progressive	$522	$88
State Farm	$558	$94
American Family	$762	$128
Farm Bureau	$1386	$231
Allstate	$1986	$337

Mount Ayr Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mount Ayr IN. For example, the car insurance in Mount Ayr after a DUI increases to $762 for a six month policy. While the rate increases by $186 for a six-month policy in the case of a speeding ticket.

Mount Ayr auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$828	$138
One Med/PIP claim	$828	$140
Not-at-fault accident	$876	$146
Two Med/PIP claims	$888	$150
One comp claim	$894	$149
Failure to show documents	$936	$160
Failure to wear a seat belt	$942	$157
Two comp claims	$948	$162
Child safety restraint	$960	$160
Driving without lights	$960	$164
Driving with expired registration	$996	$166
Speeding 6 - 10 MPH over limit	$1014	$173
Driving too slowly	$1020	$170
Failure to yield	$1020	$174
Following too closely	$1020	$170
Illegal turn	$1020	$174
Speeding in school zone	$1020	$170
Cell phone violation	$1026	$175
Speeding 11 - 15 MPH over limit	$1026	$171
Texting while driving	$1026	$175
Wrong way/wrong lane	$1026	$171
Failure to stop at a red light	$1032	$176
Improper passing	$1038	$173
Speeding 16 - 20 MPH over limit	$1038	$177
At-fault accident - less than $1000	$1050	$175
Passing school bus	$1068	$182
Speeding 21 - 25 MPH over limit	$1122	$187
At-fault accident - $1000-$2000	$1157	$197
In 65 MPH zone	$1176	$196
At-fault accident - greater than $2000	$1182	$201
Operating a vehicle without permission	$1266	$211
Open container	$1278	$217
Racing	$1553	$259
Reckless driving	$1559	$266
Refusal to submit to a chemical test	$1578	$263
DUI	$1590	$271
Leaving scene of an accident/hit and run	$1620	$270
Driving with a suspended license	$1632	$278

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Mount Ayr after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Mount Ayr.

The cheapest car insurance premiums in Mount Ayr are offered by Grange at $372 for a six-month policy. However, it can be as expensive as $1896 with companies like Hastings Mutual.

Mount Ayr car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$372	$62
Travelers	$498	$84
Progressive	$540	$91
USAA	$594	$100
American Family	$828	$139
State Farm	$966	$163
Farm Bureau	$1104	$186
Allstate	$1151	$194
Auto-Owners	$1553	$262
Hastings Mutual	$1896	$322

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Mount Ayr are offered by Westfield at $156. However, it can be as expensive as $1553 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Mount Ayr after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$156	$26
Auto-Owners Insurance Co	$216	$36
State Farm	$474	$80
Travelers	$516	$87
USAA	$528	$90
American Family	$540	$91
Progressive	$564	$95
Auto-Owners	$726	$121
Farm Bureau	$1116	$190
Allstate	$1553	$259

Car Insurance Price Trends in Mount Ayr, Indiana

Car insurance rates in Mount Ayr have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Mount Ayr remained steady at $135 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Mount Ayr remained steady at $39 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Mount Ayr?

The car insurance in Mount Ayr is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Mount Ayr?

The cheapest car insurance in Mount Ayr is $68 per month for full coverage.

How much is car insurance in Mount Ayr for teenagers?

Car insurance for teenagers costs $150 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Mount Ayr?

The average cost of car insurance is $667 for a six-month policy. It will cost around $113 per month to insure your car in Mount Ayr.

Is car insurance expensive in Mount Ayr?

Car insurance can be expensive in Mount Ayr if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Mount Ayr can be affordable.

Cheapest Car Insurance Quotes in Mount Ayr

Why you can trust Way?

How Much Is Car Insurance in Mount Ayr

Avg. Car Insurance in Mount Ayr

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Mount Ayr

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Nationwide

Mount Ayr Car Insurance Rates by Company

Cheap Car Insurance Companies in Mount Ayr, IN

Way's key takeaways about car insurance in Mount Ayr

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mount Ayr

Cheapest Liability Coverage in Mount Ayr, IN

Cheapest Full Coverage Car Insurance in Mount Ayr

Cheapest Full Coverage Car Insurance Quotes in Mount Ayr, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mount Ayr by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Mount Ayr, IN increasing?

Car Insurance Premiums by Age in Mount Ayr

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mount Ayr,IN

If you are in your twenties USAA is the best choice for car insurance in Mount Ayr.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Mount Ayr

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Ayr

Mount Ayr Car Insurance Rates by Violation

Mount Ayr auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mount Ayr after a DUI

Mount Ayr car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mount Ayr after Speeding ticket

Car Insurance Price Trends in Mount Ayr, Indiana

Average Car Insurance Cost in Mount Ayr by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mount Ayr, IN

Car Insurance Rates by State in the USA (2025 Update)

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