Cheapest Car Insurance Quotes in Albert City

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Albert City Car Insurance

^$ 16

/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 Albert City

The car insurance rate in Albert City is $702 for a six-month policy, which is $53 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $342, making it a popular choice for budget-conscious drivers. Rates in Albert City 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 Albert City

$702

Avg. Car Insurance in Iowa

$755

National Average

$1278

Cheapest Car Insurance Companies in Albert City

1st place: West Bend Mutual

At $342 for a six month policy, West Bend Mutual offers the cheapest auto insurance rates in the city.

2nd place: Grange

Grange offers auto insurance rates at $387 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $409 for six months, making it the third cheapest auto insurance company in Albert City.

Albert City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Albert City, IA is West Bend Mutual, offering policies at just $342 for a six-month term. This is followed by Grange, which has an average six-month premium of $387.

At the higher end of the spectrum, Grinnell Mutual is the most expensive, with rates reaching $1116 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Albert City drivers find the best deals.

Cheap Car Insurance Companies in Albert City, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$342	$57
Grange	$387	$66
Travelers	$409	$69
Auto-Owners Insurance Co	$415	$71
Hastings Mutual	$425	$71
Westfield	$453	$77
IMT Insurance Company	$470	$78
American Family	$498	$84
State Farm	$613	$103
Pekin	$624	$106
Progressive	$630	$106
USAA	$635	$107
West Bend	$724	$121
Farm Bureau Mutual (IA Group)	$768	$130
IMT	$829	$139
Auto-Owners	$939	$160
Farm Bureau	$1060	$177
Allstate	$1326	$223
Nationwide	$1392	$232
Grinnell Mutual	$1116	$186

Key Takeaways

Way's key takeaways about car insurance in Albert City

The auto insurance costs in Albert City fall around $342 for six months.
The cheapest auto insurance company in Albert City is Pekin.
Teen drivers pay the highest rate in Albert City at $427 per month.

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Cheapest Minimum Liability Car Insurance in Albert City

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 Albert City are given below.

Pekin provides the cheapest minimum car insurance coverage in Albert City. Their Average 6 Month Premium is $94. Grinnell Mutual is the most expensive at $248 for the same period.

Cheapest Liability Coverage in Albert City, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$94	$16
Westfield	$100	$17
Hastings Mutual	$105	$18
Progressive	$105	$18
West Bend Mutual	$111	$19
Grange	$122	$20
USAA	$127	$21
Farm Bureau Mutual (IA Group)	$133	$22
Auto-Owners Insurance Co	$139	$23
State Farm	$139	$23
Iowa Farm Bureau	$149	$25
IMT	$154	$26
Travelers	$154	$26
Farm Bureau	$177	$30
West Bend	$177	$30
American Family	$182	$31
Auto-Owners	$193	$33
Allstate	$365	$61
Nationwide	$436	$74
Grinnell Mutual	$248	$42

Cheapest Full Coverage Car Insurance in Albert City

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 Albert City is West Bend Mutual at $57 per month and $342 for six months.

Cheapest Full Coverage Car Insurance Quotes in Albert City, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$342	$57
Grange	$387	$66
Travelers	$409	$69
Auto-Owners Insurance Co	$415	$71
Hastings Mutual	$425	$71
Westfield	$453	$77
IMT Insurance Company	$470	$78
American Family	$498	$84
State Farm	$613	$103
Pekin	$624	$106
Progressive	$630	$106
USAA	$635	$107
West Bend	$724	$121
Farm Bureau Mutual (IA Group)	$768	$130
IMT	$829	$139
Auto-Owners	$939	$160
Farm Bureau	$1060	$177
Allstate	$1326	$223
Nationwide	$1392	$232
Grinnell Mutual	$1116	$186

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Average Car Insurance in Albert City 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 Albert City, IA increasing?

Despite maintaining a clean driving record, your car insurance rates in Albert City, 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, Albert City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Albert City

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

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Cheapest Car Insurance Rates for Teen Drivers in Albert City,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Albert City at $20 per month. At $2508 for a six-month premium, Grinnell Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$122	$20
Grange	$139	$23
West Bend Mutual	$149	$25
Iowa Farm Bureau	$171	$29
Travelers	$580	$98
American Family	$823	$139
USAA	$1039	$175
Progressive	$1238	$208
State Farm	$1453	$245
IMT	$1503	$250
Farm Bureau Mutual (IA Group)	$2072	$352
West Bend	$2221	$370
Farm Bureau	$2265	$385
Auto-Owners	$2343	$391
Allstate	$2834	$477
Nationwide	$4414	$736
Grinnell Mutual	$2508	$427

Teen Car Insurance Rates in IA by Age

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 Albert City, Grange is the cheapest car insurance provider. At $160 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 Albert City is Grinnell Mutual, offering rates of around $1961 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$160	$27
Westfield	$193	$33
West Bend Mutual	$199	$33
Travelers	$216	$36
American Family	$221	$37
Progressive	$613	$103
IMT	$1099	$183
USAA	$1171	$199
West Bend	$1287	$215
Farm Bureau	$1828	$311
State Farm	$1911	$322
Nationwide	$1983	$338
Allstate	$2082	$347
Auto-Owners	$2409	$409
Grinnell Mutual	$1961	$334

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Car Insurance Rates with An Accident in Albert City

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 Albert City, IA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Albert City

The cheapest car insurance companies after an at-fault accident in Albert City include Hastings Mutual and Pekin, offering $105 and $127, respectively. Nationwide is an expensive provider with an average six-month premium of $2243.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$105	$18
Pekin	$127	$21
Western National	$166	$28
Westfield	$166	$28
Grange	$188	$32
Auto-Owners Insurance Co	$193	$33
West Bend Mutual	$193	$33
Grinnell Mutual	$205	$34
Travelers	$415	$70
State Farm	$464	$78
American Family	$530	$89
Progressive	$635	$107
USAA	$906	$153
Farm Bureau Mutual (IA Group)	$1133	$193
Auto-Owners	$1216	$203
West Bend	$1216	$206
IMT	$1298	$217
Farm Bureau	$1723	$293
Allstate	$1828	$308
Nationwide	$2243	$381

Albert City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Albert City IA. For example, the car insurance in Albert City after a DUI increases to $663 for a six month policy. While the rate increases by $94 for a six-month policy in the case of a speeding ticket.

Albert City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$779	$130
One Med/PIP claim	$790	$134
Not-at-fault accident	$812	$136
One comp claim	$834	$142
Two Med/PIP claims	$857	$142
Child safety restraint	$873	$149
Failure to show documents	$873	$145
Failure to wear a seat belt	$873	$149
Speeding 6 - 10 MPH over limit	$873	$145
Two comp claims	$873	$149
Driving without lights	$878	$146
Driving with expired registration	$900	$153
Failure to yield	$900	$150
Illegal turn	$900	$153
Failure to stop at a red light	$906	$151
Wrong way/wrong lane	$911	$155
Cell phone violation	$917	$153
Driving too slowly	$917	$156
Speeding 11 - 15 MPH over limit	$917	$153
Texting while driving	$917	$156
Speeding 16 - 20 MPH over limit	$923	$153
Speeding in school zone	$934	$159
Improper passing	$939	$156
Following too closely	$945	$161
At-fault accident - less than $1000	$962	$160
Passing school bus	$977	$166
Operating a vehicle without permission	$1028	$171
At-fault accident - $1000-$2000	$1044	$178
Speeding 21 - 25 MPH over limit	$1044	$174
At-fault accident - greater than $2000	$1050	$179
In 65 MPH zone	$1122	$187
Open container	$1182	$201
Racing	$1332	$222
Driving with a suspended license	$1359	$231
Reckless driving	$1392	$232
Refusal to submit to a chemical test	$1415	$241
DUI	$1442	$240
Leaving scene of an accident/hit and run	$1458	$248

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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 Albert City 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 Albert City.

The cheapest car insurance premiums in Albert City are offered by American Family at $160 for a six-month policy. However, it can be as expensive as $2160 with companies like Grinnell Mutual.

Albert City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$160	$27
Western National	$166	$28
Grange	$216	$36
Travelers	$216	$36
West Bend Mutual	$216	$36
Progressive	$597	$100
IMT	$1099	$183
USAA	$1171	$199
West Bend	$1287	$215
Farm Bureau	$1828	$311
State Farm	$1840	$310
Nationwide	$1983	$338
Allstate	$2082	$347
Auto-Owners	$2409	$409
Grinnell Mutual	$2160	$367

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 Albert City are offered by Westfield at $122. However, it can be as expensive as $1116 with companies like Grinnell Mutual for a similar six-month premium.

Cheapest Car Insurance in Albert City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$122	$20
West Bend Mutual	$143	$24
American Family	$160	$27
Western National	$166	$28
Iowa Farm Bureau	$182	$31
Travelers	$182	$31
Grange	$188	$32
State Farm	$436	$73
Progressive	$547	$92
USAA	$845	$140
IMT	$1154	$196
Farm Bureau	$1298	$217
West Bend	$1458	$248
Allstate	$1524	$254
Auto-Owners	$1597	$272
Nationwide	$1757	$293
Grinnell Mutual	$1116	$190

Car Insurance Price Trends in Albert City, Iowa

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

The average cost of full coverage in the Albert City rose by $143 in January compared to $130 of December. In other words, there has been an increase by $13 when you compare January and December.

The average cost of liability insurance in the Albert City remained steady at $27 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Albert City?

The car insurance in Albert City is $16 per month, which is lower than the national average.

What is the cheapest car insurance in Albert City?

The cheapest car insurance in Albert City is $57 per month for full coverage.

How much is car insurance in Albert City for teenagers?

Car insurance for teenagers costs $122 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 Albert City?

The average cost of car insurance is $755 for a six-month policy. It will cost around $117 per month to insure your car in Albert City.

Is car insurance expensive in Albert City?

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

Cheapest Car Insurance Quotes in Albert City

Why you can trust Way?

How Much Is Car Insurance in Albert City

Avg. Car Insurance in Albert City

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Albert City

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Albert City Car Insurance Rates by Company

Cheap Car Insurance Companies in Albert City, IA

Way's key takeaways about car insurance in Albert City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Albert City

Cheapest Liability Coverage in Albert City, IA

Cheapest Full Coverage Car Insurance in Albert City

Cheapest Full Coverage Car Insurance Quotes in Albert City, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Albert City by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Albert City, IA increasing?

Car Insurance Premiums by Age in Albert City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Albert City,IA

If you are in your twenties N/A is the best choice for car insurance in Albert City.

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 Albert City

Cheapest Car Insurance Companies after an At-Fault Accident in Albert City

Albert City Car Insurance Rates by Violation

Albert City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Albert City after a DUI

Albert City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Albert City after Speeding ticket

Car Insurance Price Trends in Albert City, Iowa

Average Car Insurance Cost in Albert City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Albert City, IA

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

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