Cheapest Car Insurance Quotes in Carter Lake

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Carter Lake Car Insurance

^$ 20

/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 Carter Lake

The car insurance rate in Carter Lake is $825 for a six-month policy, which is $126 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $434, making it a popular choice for budget-conscious drivers. Rates in Carter Lake 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 Carter Lake

$825

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in Carter Lake

1st place: West Bend Mutual

At $434 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 $491 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $519 for six months, making it the third cheapest auto insurance company in Carter Lake.

Carter Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Carter Lake, IA is West Bend Mutual, offering policies at just $434 for a six-month term. This is followed by Grange, which has an average six-month premium of $491.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1619 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Carter Lake drivers find the best deals.

Cheap Car Insurance Companies in Carter Lake, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$434	$72
Grange	$491	$84
Travelers	$519	$87
Auto-Owners Insurance Co	$526	$90
Hastings Mutual	$539	$90
Westfield	$575	$98
IMT Insurance Company	$596	$99
State Farm	$708	$119
American Family	$729	$123
USAA	$778	$131
Pekin	$792	$132
Progressive	$799	$135
Auto-Owners	$968	$162
Farm Bureau Mutual (IA Group)	$975	$165
Farm Bureau	$1094	$182
Nationwide	$1297	$221
Grinnell Mutual	$1416	$236
Allstate	$1619	$273

Key Takeaways

Way's key takeaways about car insurance in Carter Lake

The auto insurance costs in Carter Lake fall around $434 for six months.
The cheapest auto insurance company in Carter Lake is Pekin.
Teen drivers pay the highest rate in Carter Lake at $697 per month.

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Cheapest Minimum Liability Car Insurance in Carter Lake

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 Carter Lake are given below.

Pekin provides the cheapest minimum car insurance coverage in Carter Lake. Their Average 6 Month Premium is $119. West Bend is the most expensive at $148 for the same period.

Cheapest Liability Coverage in Carter Lake, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$119	$20
Westfield	$126	$21
Hastings Mutual	$133	$22
Progressive	$140	$24
West Bend Mutual	$140	$24
USAA	$148	$25
Grange	$155	$26
State Farm	$155	$26
Farm Bureau Mutual (IA Group)	$169	$28
Auto-Owners Insurance Co	$176	$30
Iowa Farm Bureau	$189	$32
Travelers	$196	$33
Farm Bureau	$203	$34
American Family	$210	$35
Auto-Owners	$224	$38
Grinnell Mutual	$315	$53
Allstate	$463	$78
Nationwide	$491	$84
West Bend	$148	$25

Cheapest Full Coverage Car Insurance in Carter Lake

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 Carter Lake is West Bend Mutual at $72 per month and $434 for six months.

Cheapest Full Coverage Car Insurance Quotes in Carter Lake, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$434	$72
Grange	$491	$84
Travelers	$519	$87
Auto-Owners Insurance Co	$526	$90
Hastings Mutual	$539	$90
Westfield	$575	$98
IMT Insurance Company	$596	$99
State Farm	$708	$119
American Family	$729	$123
USAA	$778	$131
Pekin	$792	$132
Progressive	$799	$135
Auto-Owners	$968	$162
Farm Bureau Mutual (IA Group)	$975	$165
Farm Bureau	$1094	$182
Nationwide	$1297	$221
Grinnell Mutual	$1416	$236
Allstate	$1619	$273

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Average Car Insurance in Carter Lake 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 Carter Lake, IA increasing?

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

Car Insurance Premiums by Age in Carter Lake

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 Carter Lake,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Carter Lake at $26 per month. At $4101 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$155	$26
Grange	$176	$30
West Bend Mutual	$189	$32
Iowa Farm Bureau	$217	$37
Travelers	$736	$124
USAA	$918	$155
Progressive	$1381	$232
State Farm	$1571	$264
American Family	$1857	$313
Farm Bureau	$2391	$399
Farm Bureau Mutual (IA Group)	$2629	$447
Auto-Owners	$2677	$446
Grinnell Mutual	$3182	$542
Allstate	$3505	$590
Nationwide	$4101	$697

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 Carter Lake, Grange is the cheapest car insurance provider. At $203 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 Carter Lake is Grinnell Mutual, offering rates of around $2489 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$203	$34
Westfield	$245	$41
West Bend Mutual	$253	$42
Travelers	$274	$46
Progressive	$792	$133
American Family	$911	$153
State Farm	$1696	$286
Nationwide	$1850	$315
Farm Bureau	$1886	$314
Allstate	$2453	$418
Auto-Owners	$2474	$412
Grinnell Mutual	$2489	$424

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Car Insurance Rates with An Accident in Carter Lake

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 Carter Lake, IA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Carter Lake

The cheapest car insurance companies after an at-fault accident in Carter Lake include Hastings Mutual and Pekin, offering $133 and $162, respectively. Allstate is an expensive provider with an average six-month premium of $2222.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$133	$22
Pekin	$162	$27
Western National	$210	$35
Westfield	$210	$35
Grange	$238	$40
Auto-Owners Insurance Co	$245	$41
West Bend Mutual	$245	$41
State Farm	$512	$86
Travelers	$526	$89
Progressive	$743	$125
Grinnell Mutual	$841	$142
American Family	$968	$163
USAA	$1080	$179
Auto-Owners	$1269	$216
Farm Bureau Mutual (IA Group)	$1437	$240
Farm Bureau	$1781	$303
Nationwide	$2060	$343
Allstate	$2222	$374

Carter Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Carter Lake IA. For example, the car insurance in Carter Lake after a DUI increases to $840 for a six month policy. While the rate increases by $119 for a six-month policy in the case of a speeding ticket.

Carter Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$989	$165
One Med/PIP claim	$1002	$170
Not-at-fault accident	$1030	$172
One comp claim	$1058	$181
Two Med/PIP claims	$1087	$181
Child safety restraint	$1108	$189
Failure to show documents	$1108	$184
Failure to wear a seat belt	$1108	$189
Speeding 6 - 10 MPH over limit	$1108	$184
Two comp claims	$1108	$189
Driving without lights	$1114	$185
Driving with expired registration	$1142	$195
Failure to yield	$1142	$190
Illegal turn	$1142	$195
Failure to stop at a red light	$1149	$191
Wrong way/wrong lane	$1156	$197
Cell phone violation	$1163	$194
Driving too slowly	$1163	$198
Speeding 11 - 15 MPH over limit	$1163	$194
Texting while driving	$1163	$198
Speeding 16 - 20 MPH over limit	$1171	$195
Speeding in school zone	$1185	$202
Improper passing	$1192	$198
Following too closely	$1199	$204
At-fault accident - less than $1000	$1220	$203
Passing school bus	$1240	$211
Operating a vehicle without permission	$1304	$217
At-fault accident - $1000-$2000	$1325	$225
Speeding 21 - 25 MPH over limit	$1325	$221
At-fault accident - greater than $2000	$1332	$227
In 65 MPH zone	$1423	$237
Open container	$1500	$255
Racing	$1690	$282
Driving with a suspended license	$1724	$293
Reckless driving	$1766	$294
Refusal to submit to a chemical test	$1795	$306
DUI	$1829	$304
Leaving scene of an accident/hit and run	$1850	$315

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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 Carter Lake 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 Carter Lake.

The cheapest car insurance premiums in Carter Lake are offered by Western National at $210 for a six-month policy. However, it can be as expensive as $2741 with companies like Grinnell Mutual.

Carter Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$210	$35
Grange	$274	$46
Travelers	$274	$46
West Bend Mutual	$274	$46
Progressive	$526	$89
State Farm	$610	$103
American Family	$1002	$169
Allstate	$2152	$366
Auto-Owners	$2292	$382
Farm Bureau	$2391	$406
Nationwide	$2565	$427
Grinnell Mutual	$2741	$466

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 Carter Lake are offered by Westfield at $155. However, it can be as expensive as $1795 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Carter Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$155	$26
West Bend Mutual	$182	$31
Western National	$210	$35
Iowa Farm Bureau	$231	$39
Travelers	$231	$39
Grange	$238	$40
State Farm	$400	$67
Progressive	$589	$99
American Family	$708	$119
Farm Bureau	$1339	$223
Grinnell Mutual	$1416	$241
Nationwide	$1626	$271
Auto-Owners	$1683	$286
Allstate	$1795	$299

Car Insurance Price Trends in Carter Lake, Iowa

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

The average cost of full coverage in the Carter Lake remained steady at $165 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Carter Lake remained steady at $34 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 Carter Lake?

The car insurance in Carter Lake is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Carter Lake?

The cheapest car insurance in Carter Lake is $72 per month for full coverage.

How much is car insurance in Carter Lake for teenagers?

Car insurance for teenagers costs $155 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 Carter Lake?

The average cost of car insurance is $699 for a six-month policy. It will cost around $138 per month to insure your car in Carter Lake.

Is car insurance expensive in Carter Lake?

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

Cheapest Car Insurance Quotes in Carter Lake

Why you can trust Way?

How Much Is Car Insurance in Carter Lake

Avg. Car Insurance in Carter Lake

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Carter Lake

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Carter Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Carter Lake, IA

Way's key takeaways about car insurance in Carter Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Carter Lake

Cheapest Liability Coverage in Carter Lake, IA

Cheapest Full Coverage Car Insurance in Carter Lake

Cheapest Full Coverage Car Insurance Quotes in Carter Lake, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Carter Lake by Rating Factor

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

Car Insurance Premiums by Age in Carter Lake

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Carter Lake,IA

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

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 Carter Lake

Cheapest Car Insurance Companies after an At-Fault Accident in Carter Lake

Carter Lake Car Insurance Rates by Violation

Carter Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Carter Lake after a DUI

Carter Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Carter Lake after Speeding ticket

Car Insurance Price Trends in Carter Lake, Iowa

Average Car Insurance Cost in Carter Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Carter Lake, IA

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

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