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Adair Car Insurance
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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.
The car insurance rate in Adair is $755 for a six-month policy, which is $56 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $397, making it a popular choice for budget-conscious drivers. Rates in Adair 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.
At $397 for a six month policy, West Bend Mutual offers the cheapest auto insurance rates in the city.
Grange offers auto insurance rates at $449 for a six-month policy, making it one of the cheapest to insure with.
Travelers offers auto insurance rates at $475 for six months, making it the third cheapest auto insurance company in Adair.
Based on our research, the cheapest car insurance company in Adair, IA is West Bend Mutual, offering policies at just $397 for a six-month term. This is followed by Grange, which has an average six-month premium of $449.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1482 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Adair drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| West Bend Mutual | $397 | $66 |
| Grange | $449 | $77 |
| Travelers | $475 | $80 |
| Auto-Owners Insurance Co | $482 | $82 |
| Hastings Mutual | $494 | $82 |
| Westfield | $526 | $90 |
| IMT Insurance Company | $545 | $91 |
| State Farm | $648 | $109 |
| American Family | $667 | $112 |
| USAA | $712 | $120 |
| Pekin | $725 | $121 |
| Progressive | $731 | $123 |
| Auto-Owners | $886 | $148 |
| Farm Bureau Mutual (IA Group) | $892 | $151 |
| Farm Bureau | $1001 | $166 |
| Nationwide | $1187 | $202 |
| Grinnell Mutual | $1296 | $216 |
| Allstate | $1482 | $249 |
Save up to $971/yr with our auto insurance quotes
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 Adair are given below.
Pekin provides the cheapest minimum car insurance coverage in Adair. Their Average 6 Month Premium is $109. West Bend is the most expensive at $135 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Pekin | $109 | $18 |
| Westfield | $116 | $19 |
| Hastings Mutual | $122 | $21 |
| Progressive | $129 | $22 |
| West Bend Mutual | $129 | $22 |
| USAA | $135 | $23 |
| Grange | $141 | $24 |
| State Farm | $141 | $24 |
| Farm Bureau Mutual (IA Group) | $154 | $26 |
| Auto-Owners Insurance Co | $161 | $27 |
| Iowa Farm Bureau | $173 | $29 |
| Travelers | $179 | $30 |
| Farm Bureau | $186 | $31 |
| American Family | $192 | $32 |
| Auto-Owners | $205 | $35 |
| Grinnell Mutual | $288 | $49 |
| Allstate | $423 | $71 |
| Nationwide | $449 | $77 |
| West Bend | $135 | $23 |
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 Adair is West Bend Mutual at $66 per month and $397 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| West Bend Mutual | $397 | $66 |
| Grange | $449 | $77 |
| Travelers | $475 | $80 |
| Auto-Owners Insurance Co | $482 | $82 |
| Hastings Mutual | $494 | $82 |
| Westfield | $526 | $90 |
| IMT Insurance Company | $545 | $91 |
| State Farm | $648 | $109 |
| American Family | $667 | $112 |
| USAA | $712 | $120 |
| Pekin | $725 | $121 |
| Progressive | $731 | $123 |
| Auto-Owners | $886 | $148 |
| Farm Bureau Mutual (IA Group) | $892 | $151 |
| Farm Bureau | $1001 | $166 |
| Nationwide | $1187 | $202 |
| Grinnell Mutual | $1296 | $216 |
| Allstate | $1482 | $249 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Adair, Iowa, may be increasing due to several external factors. Iowa has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.
Additionally, Adair's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Adair at $24 per month. At $3753 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $141 | $24 |
| Grange | $161 | $27 |
| West Bend Mutual | $173 | $29 |
| Iowa Farm Bureau | $199 | $33 |
| Travelers | $674 | $113 |
| USAA | $840 | $141 |
| Progressive | $1264 | $213 |
| State Farm | $1437 | $242 |
| American Family | $1700 | $286 |
| Farm Bureau | $2188 | $365 |
| Farm Bureau Mutual (IA Group) | $2406 | $409 |
| Auto-Owners | $2451 | $408 |
| Grinnell Mutual | $2913 | $496 |
| Allstate | $3208 | $540 |
| Nationwide | $3753 | $638 |
Teen Car Insurance Rates in IA by Age
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.
For those with poor credit scores in Adair, Grange is the cheapest car insurance provider. At $186 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 Adair is Grinnell Mutual, offering rates of around $2278 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Grange | $186 | $31 |
| Westfield | $225 | $38 |
| West Bend Mutual | $231 | $39 |
| Travelers | $251 | $42 |
| Progressive | $725 | $122 |
| American Family | $834 | $140 |
| State Farm | $1552 | $261 |
| Nationwide | $1693 | $288 |
| Farm Bureau | $1726 | $287 |
| Allstate | $2245 | $382 |
| Auto-Owners | $2265 | $377 |
| Grinnell Mutual | $2278 | $388 |
Save up to $971/yr on car insurance rates in Adair.
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 Adair, IA, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Adair include Hastings Mutual and Pekin, offering $122 and $148, respectively. Allstate is an expensive provider with an average six-month premium of $2034.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Hastings Mutual | $122 | $21 |
| Pekin | $148 | $25 |
| Western National | $192 | $32 |
| Westfield | $192 | $32 |
| Grange | $218 | $37 |
| Auto-Owners Insurance Co | $225 | $38 |
| West Bend Mutual | $225 | $38 |
| State Farm | $469 | $79 |
| Travelers | $482 | $81 |
| Progressive | $680 | $114 |
| Grinnell Mutual | $770 | $130 |
| American Family | $886 | $149 |
| USAA | $988 | $164 |
| Auto-Owners | $1161 | $198 |
| Farm Bureau Mutual (IA Group) | $1315 | $219 |
| Farm Bureau | $1630 | $278 |
| Nationwide | $1886 | $314 |
| Allstate | $2034 | $342 |
Here is a list of driving violations that can increase your car insurance rates in Adair IA. For example, the car insurance in Adair after a DUI increases to $769 for a six month policy. While the rate increases by $109 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $905 | $151 |
| One Med/PIP claim | $917 | $156 |
| Not-at-fault accident | $943 | $158 |
| One comp claim | $969 | $165 |
| Two Med/PIP claims | $995 | $165 |
| Child safety restraint | $1014 | $173 |
| Failure to show documents | $1014 | $168 |
| Failure to wear a seat belt | $1014 | $173 |
| Speeding 6 - 10 MPH over limit | $1014 | $168 |
| Two comp claims | $1014 | $173 |
| Driving without lights | $1020 | $170 |
| Driving with expired registration | $1045 | $178 |
| Failure to yield | $1045 | $174 |
| Illegal turn | $1045 | $178 |
| Failure to stop at a red light | $1052 | $175 |
| Wrong way/wrong lane | $1058 | $180 |
| Cell phone violation | $1065 | $177 |
| Driving too slowly | $1065 | $181 |
| Speeding 11 - 15 MPH over limit | $1065 | $177 |
| Texting while driving | $1065 | $181 |
| Speeding 16 - 20 MPH over limit | $1071 | $178 |
| Speeding in school zone | $1084 | $185 |
| Improper passing | $1091 | $181 |
| Following too closely | $1097 | $187 |
| At-fault accident - less than $1000 | $1117 | $186 |
| Passing school bus | $1135 | $193 |
| Operating a vehicle without permission | $1193 | $199 |
| At-fault accident - $1000-$2000 | $1213 | $206 |
| Speeding 21 - 25 MPH over limit | $1213 | $202 |
| At-fault accident - greater than $2000 | $1219 | $207 |
| In 65 MPH zone | $1302 | $217 |
| Open container | $1373 | $233 |
| Racing | $1547 | $258 |
| Driving with a suspended license | $1578 | $268 |
| Reckless driving | $1617 | $269 |
| Refusal to submit to a chemical test | $1643 | $280 |
| DUI | $1674 | $279 |
| Leaving scene of an accident/hit and run | $1693 | $288 |
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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.
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 Adair.
The cheapest car insurance premiums in Adair are offered by Western National at $192 for a six-month policy. However, it can be as expensive as $2509 with companies like Grinnell Mutual.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Western National | $192 | $32 |
| Grange | $251 | $42 |
| Travelers | $251 | $42 |
| West Bend Mutual | $251 | $42 |
| Progressive | $482 | $81 |
| State Farm | $558 | $94 |
| American Family | $917 | $154 |
| Allstate | $1970 | $335 |
| Auto-Owners | $2097 | $350 |
| Farm Bureau | $2188 | $372 |
| Nationwide | $2348 | $391 |
| Grinnell Mutual | $2509 | $427 |
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 Adair are offered by Westfield at $141. However, it can be as expensive as $1643 with companies like Allstate for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $141 | $24 |
| West Bend Mutual | $166 | $28 |
| Western National | $192 | $32 |
| Iowa Farm Bureau | $212 | $36 |
| Travelers | $212 | $36 |
| Grange | $218 | $37 |
| State Farm | $366 | $62 |
| Progressive | $539 | $91 |
| American Family | $648 | $109 |
| Farm Bureau | $1226 | $204 |
| Grinnell Mutual | $1296 | $220 |
| Nationwide | $1488 | $248 |
| Auto-Owners | $1540 | $261 |
| Allstate | $1643 | $273 |
Car insurance rates in Adair have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Adair remained steady at $151 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Adair remained steady at $31 in both December and November, indicating no change over the two month period.
How much is car insurance in Adair?
The car insurance in Adair is $18 per month, which is lower than the national average.
What is the cheapest car insurance in Adair?
The cheapest car insurance in Adair is $66 per month for full coverage.
How much is car insurance in Adair for teenagers?
Car insurance for teenagers costs $141 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 Adair?
The average cost of car insurance is $699 for a six-month policy. It will cost around $126 per month to insure your car in Adair.
Is car insurance expensive in Adair?
Car insurance can be expensive in Adair if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Adair can be affordable.
What is the best car insurance in Adair, IA?
The best car insurance company in Adair IA is West Bend Mutual, offering $397 for a six-month policy.
Cut auto insurance costs in Adair right now.