Cheapest Car Insurance Quotes in Charles City

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Charles City Car Insurance

^$ 17

/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 Charles City

The car insurance rate in Charles City is $685 for a six-month policy, which is $14 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $361, making it a popular choice for budget-conscious drivers. Rates in Charles 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 Charles City

$685

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in Charles City

1st place: West Bend Mutual

At $361 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 $408 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $431 for six months, making it the third cheapest auto insurance company in Charles City.

Charles City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Charles City, IA is West Bend Mutual, offering policies at just $361 for a six-month term. This is followed by Grange, which has an average six-month premium of $408.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1345 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Charles City drivers find the best deals.

Cheap Car Insurance Companies in Charles City, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$361	$60
Grange	$408	$70
Travelers	$431	$73
Auto-Owners Insurance Co	$437	$74
Hastings Mutual	$448	$74
Westfield	$477	$81
IMT Insurance Company	$495	$82
State Farm	$588	$99
American Family	$606	$102
USAA	$646	$109
Pekin	$658	$110
Progressive	$663	$112
Auto-Owners	$804	$134
Farm Bureau Mutual (IA Group)	$809	$137
Farm Bureau	$908	$151
Nationwide	$1077	$183
Grinnell Mutual	$1176	$196
Allstate	$1345	$226

Key Takeaways

Way's key takeaways about car insurance in Charles City

The auto insurance costs in Charles City fall around $361 for six months.
The cheapest auto insurance company in Charles City is Pekin.
Teen drivers pay the highest rate in Charles City at $579 per month.

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Cheapest Minimum Liability Car Insurance in Charles 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 Charles City are given below.

Pekin provides the cheapest minimum car insurance coverage in Charles City. Their Average 6 Month Premium is $99. West Bend is the most expensive at $123 for the same period.

Cheapest Liability Coverage in Charles City, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$99	$17
Westfield	$105	$18
Hastings Mutual	$111	$19
Progressive	$117	$20
West Bend Mutual	$117	$20
USAA	$123	$21
Grange	$128	$22
State Farm	$128	$22
Farm Bureau Mutual (IA Group)	$140	$24
Auto-Owners Insurance Co	$146	$25
Iowa Farm Bureau	$157	$26
Travelers	$163	$27
Farm Bureau	$169	$28
American Family	$174	$29
Auto-Owners	$186	$31
Grinnell Mutual	$262	$44
Allstate	$384	$65
Nationwide	$408	$70
West Bend	$123	$21

Cheapest Full Coverage Car Insurance in Charles 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 Charles City is West Bend Mutual at $60 per month and $361 for six months.

Cheapest Full Coverage Car Insurance Quotes in Charles City, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$361	$60
Grange	$408	$70
Travelers	$431	$73
Auto-Owners Insurance Co	$437	$74
Hastings Mutual	$448	$74
Westfield	$477	$81
IMT Insurance Company	$495	$82
State Farm	$588	$99
American Family	$606	$102
USAA	$646	$109
Pekin	$658	$110
Progressive	$663	$112
Auto-Owners	$804	$134
Farm Bureau Mutual (IA Group)	$809	$137
Farm Bureau	$908	$151
Nationwide	$1077	$183
Grinnell Mutual	$1176	$196
Allstate	$1345	$226

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Average Car Insurance in Charles 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 Charles City, IA increasing?

Despite maintaining a clean driving record, your car insurance rates in Charles 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, Charles 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 Charles 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 Charles City,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Charles City at $22 per month. At $3406 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$128	$22
Grange	$146	$25
West Bend Mutual	$157	$26
Iowa Farm Bureau	$180	$30
Travelers	$612	$103
USAA	$762	$128
Progressive	$1147	$193
State Farm	$1304	$220
American Family	$1543	$260
Farm Bureau	$1985	$331
Farm Bureau Mutual (IA Group)	$2183	$371
Auto-Owners	$2224	$370
Grinnell Mutual	$2643	$450
Allstate	$2911	$490
Nationwide	$3406	$579

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 Charles City, Grange is the cheapest car insurance provider. At $169 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 Charles City is Grinnell Mutual, offering rates of around $2067 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$169	$28
Westfield	$204	$34
West Bend Mutual	$210	$35
Travelers	$227	$38
Progressive	$658	$111
American Family	$757	$127
State Farm	$1408	$237
Nationwide	$1537	$262
Farm Bureau	$1566	$261
Allstate	$2037	$347
Auto-Owners	$2055	$342
Grinnell Mutual	$2067	$352

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Car Insurance Rates with An Accident in Charles 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 Charles City, IA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Charles City include Hastings Mutual and Pekin, offering $111 and $134, respectively. Allstate is an expensive provider with an average six-month premium of $1845.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$111	$19
Pekin	$134	$23
Western National	$174	$29
Westfield	$174	$29
Grange	$198	$33
Auto-Owners Insurance Co	$204	$34
West Bend Mutual	$204	$34
State Farm	$425	$72
Travelers	$437	$74
Progressive	$617	$104
Grinnell Mutual	$699	$118
American Family	$804	$135
USAA	$897	$149
Auto-Owners	$1054	$179
Farm Bureau Mutual (IA Group)	$1194	$199
Farm Bureau	$1479	$252
Nationwide	$1711	$285
Allstate	$1845	$311

Charles City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Charles City IA. For example, the car insurance in Charles City after a DUI increases to $698 for a six month policy. While the rate increases by $99 for a six-month policy in the case of a speeding ticket.

Charles City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$821	$137
One Med/PIP claim	$832	$141
Not-at-fault accident	$856	$143
One comp claim	$879	$150
Two Med/PIP claims	$903	$150
Child safety restraint	$920	$157
Failure to show documents	$920	$153
Failure to wear a seat belt	$920	$157
Speeding 6 - 10 MPH over limit	$920	$153
Two comp claims	$920	$157
Driving without lights	$925	$154
Driving with expired registration	$949	$162
Failure to yield	$949	$158
Illegal turn	$949	$162
Failure to stop at a red light	$955	$159
Wrong way/wrong lane	$960	$164
Cell phone violation	$966	$161
Driving too slowly	$966	$165
Speeding 11 - 15 MPH over limit	$966	$161
Texting while driving	$966	$165
Speeding 16 - 20 MPH over limit	$972	$162
Speeding in school zone	$984	$168
Improper passing	$990	$165
Following too closely	$996	$170
At-fault accident - less than $1000	$1013	$169
Passing school bus	$1030	$175
Operating a vehicle without permission	$1083	$180
At-fault accident - $1000-$2000	$1101	$187
Speeding 21 - 25 MPH over limit	$1101	$183
At-fault accident - greater than $2000	$1106	$188
In 65 MPH zone	$1182	$197
Open container	$1246	$212
Racing	$1403	$234
Driving with a suspended license	$1432	$243
Reckless driving	$1467	$244
Refusal to submit to a chemical test	$1491	$254
DUI	$1519	$253
Leaving scene of an accident/hit and run	$1537	$262

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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 Charles 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 Charles City.

The cheapest car insurance premiums in Charles City are offered by Western National at $174 for a six-month policy. However, it can be as expensive as $2277 with companies like Grinnell Mutual.

Charles City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$174	$29
Grange	$227	$38
Travelers	$227	$38
West Bend Mutual	$227	$38
Progressive	$437	$74
State Farm	$507	$85
American Family	$832	$140
Allstate	$1788	$304
Auto-Owners	$1903	$318
Farm Bureau	$1985	$337
Nationwide	$2131	$355
Grinnell Mutual	$2277	$387

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 Charles City are offered by Westfield at $128. However, it can be as expensive as $1491 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Charles City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$128	$22
West Bend Mutual	$151	$25
Western National	$174	$29
Iowa Farm Bureau	$192	$32
Travelers	$192	$32
Grange	$198	$33
State Farm	$332	$56
Progressive	$489	$82
American Family	$588	$99
Farm Bureau	$1112	$185
Grinnell Mutual	$1176	$200
Nationwide	$1350	$225
Auto-Owners	$1397	$237
Allstate	$1491	$248

Car Insurance Price Trends in Charles City, Iowa

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

The average cost of full coverage in the Charles City remained steady at $137 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Charles City remained steady at $28 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 Charles City?

The car insurance in Charles City is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Charles City?

The cheapest car insurance in Charles City is $60 per month for full coverage.

How much is car insurance in Charles City for teenagers?

Car insurance for teenagers costs $128 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 Charles City?

The average cost of car insurance is $699 for a six-month policy. It will cost around $115 per month to insure your car in Charles City.

Is car insurance expensive in Charles City?

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

Cheapest Car Insurance Quotes in Charles City

Why you can trust Way?

How Much Is Car Insurance in Charles City

Avg. Car Insurance in Charles City

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Charles City

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Charles City Car Insurance Rates by Company

Cheap Car Insurance Companies in Charles City, IA

Way's key takeaways about car insurance in Charles City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Charles City

Cheapest Liability Coverage in Charles City, IA

Cheapest Full Coverage Car Insurance in Charles City

Cheapest Full Coverage Car Insurance Quotes in Charles City, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Charles City by Rating Factor

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

Car Insurance Premiums by Age in Charles City

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Charles City Car Insurance Rates by Violation

Charles City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Charles City after a DUI

Charles City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Charles City after Speeding ticket

Car Insurance Price Trends in Charles City, Iowa

Average Car Insurance Cost in Charles City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Charles City, IA

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

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