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Finding the cheapest car insurance quotes in Buckingham shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Buckingham
The car insurance rate in Buckingham is $678 for a six-month policy, which is $21 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $357, making it a popular choice for budget-conscious drivers. Rates in Buckingham 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 $357 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 $404 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $427
for six months, making it
the third cheapest auto insurance company in Buckingham.
Buckingham Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Buckingham, IA is West Bend Mutual, offering policies at just $357 for a six-month term. This is followed by Grange, which has an average six-month premium of $404.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1331 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Buckingham drivers find the best deals.
Way's key takeaways about car insurance in Buckingham
The auto insurance costs in Buckingham fall around $357 for six
months.
The cheapest auto insurance company in Buckingham is Pekin.
Teen drivers pay the highest rate in Buckingham at $573 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Buckingham
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 Buckingham are given below.
Pekin provides
the cheapest minimum car insurance
coverage in Buckingham. Their Average 6 Month Premium is $98.
West Bend is the most
expensive at $121 for the same
period.
Cheapest Full Coverage Car Insurance in Buckingham
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 Buckingham is West Bend Mutual
at $59 per month and $357
for six months.
Cheapest Full Coverage Car Insurance Quotes in Buckingham,
IA
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Average Car Insurance in Buckingham 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 Buckingham, IA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Buckingham, 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, Buckingham's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Buckingham
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
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Cheapest Car Insurance Rates for Teen Drivers in
Buckingham,IA
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Buckingham at $21
per
month. At $3371 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Buckingham.
As young drivers face the highest rates in Buckingham, N/A
offers the cheapest auto insurance rates at $N/A 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 Buckingham,
Grange is
the cheapest car insurance provider. At $167 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
Buckingham is Grinnell Mutual, offering
rates of around $2046 for six
months.
Save up to $971/yr on car insurance rates in Buckingham.
Car Insurance Rates with An Accident in Buckingham
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 Buckingham, IA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Buckingham
The cheapest car insurance companies after an at-fault accident in
Buckingham include Hastings Mutual
and Pekin, offering $110
and $133,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1827.
Here is a list of driving violations that can increase your car
insurance rates in Buckingham IA. For example, the car
insurance in Buckingham
after a DUI increases to $691 for a six
month policy. While the rate increases by $98 for a six-month policy in the case of
a speeding ticket.
Buckingham auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$813
$136
One Med/PIP claim
$824
$140
Not-at-fault accident
$847
$142
One comp claim
$870
$148
Two Med/PIP claims
$893
$148
Child safety restraint
$911
$155
Failure to show documents
$911
$151
Failure to wear a seat belt
$911
$155
Speeding 6 - 10 MPH over limit
$911
$151
Two comp claims
$911
$155
Driving without lights
$916
$152
Driving with expired registration
$939
$160
Failure to yield
$939
$156
Illegal turn
$939
$160
Failure to stop at a red light
$945
$157
Wrong way/wrong lane
$951
$162
Cell phone violation
$956
$159
Driving too slowly
$956
$163
Speeding 11 - 15 MPH over limit
$956
$159
Texting while driving
$956
$163
Speeding 16 - 20 MPH over limit
$962
$160
Speeding in school zone
$974
$166
Improper passing
$980
$163
Following too closely
$986
$168
At-fault accident - less than $1000
$1003
$167
Passing school bus
$1019
$174
Operating a vehicle without permission
$1072
$178
At-fault accident - $1000-$2000
$1089
$185
Speeding 21 - 25 MPH over limit
$1089
$181
At-fault accident - greater than $2000
$1095
$186
In 65 MPH zone
$1170
$195
Open container
$1233
$210
Racing
$1389
$232
Driving with a suspended license
$1417
$241
Reckless driving
$1452
$242
Refusal to submit to a chemical test
$1475
$251
DUI
$1504
$250
Leaving scene of an accident/hit and run
$1521
$259
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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 Buckingham 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 Buckingham.
The cheapest car insurance premiums in
Buckingham are
offered by Western National at $173 for a six-month policy.
However, it can be as
expensive as $2253 with companies
like Grinnell Mutual.
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 Buckingham are offered by Westfield
at $127. However,
it can be as expensive as $1475
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Buckingham after Speeding ticket
Car insurance rates in Buckingham have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Buckingham remained steady at $136 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Buckingham remained steady at $28 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Buckingham by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Buckingham. At $1356 for a
six-month policy, insuring
your car at 50612 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Buckingham?
The car insurance in Buckingham is $16 per month, which is lower than the national average.
What is the cheapest car insurance in Buckingham?
The cheapest car insurance in Buckingham
is $59 per month
for full coverage.
How much is car insurance in Buckingham for teenagers?
Car insurance for teenagers costs $127 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
Buckingham?
The average cost of car insurance is $699 for a six-month
policy. It will cost around $113 per month to insure your
car in Buckingham.
Is car insurance expensive in Buckingham?
Car insurance can be expensive in Buckingham if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Buckingham can be
affordable.
What is the best car insurance in Buckingham,
IA?
The best car insurance company in Buckingham
IA is
West Bend Mutual, offering $357 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Buckingham, IA
Car Insurance Rates by State in the USA (2025 Update)
Buckingham Car Insurance
