Cheapest Car Insurance Quotes in Clear Lake

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Clear Lake 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 Clear Lake

The car insurance rate in Clear Lake is $643 for a six-month policy, which is $56 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $339, making it a popular choice for budget-conscious drivers. Rates in Clear 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 Clear Lake

$643

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in Clear Lake

1st place: West Bend Mutual

At $339 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 $383 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $405 for six months, making it the third cheapest auto insurance company in Clear Lake.

Clear Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Clear Lake, IA is West Bend Mutual, offering policies at just $339 for a six-month term. This is followed by Grange, which has an average six-month premium of $383.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1262 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Clear Lake drivers find the best deals.

Cheap Car Insurance Companies in Clear Lake, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$339	$56
Grange	$383	$65
Travelers	$405	$68
Auto-Owners Insurance Co	$410	$70
Hastings Mutual	$420	$70
Westfield	$448	$76
IMT Insurance Company	$465	$77
State Farm	$552	$93
American Family	$569	$96
USAA	$606	$102
Pekin	$617	$103
Progressive	$623	$105
Auto-Owners	$754	$126
Farm Bureau Mutual (IA Group)	$760	$129
Farm Bureau	$853	$142
Nationwide	$1011	$172
Grinnell Mutual	$1104	$184
Allstate	$1262	$213

Key Takeaways

Way's key takeaways about car insurance in Clear Lake

The auto insurance costs in Clear Lake fall around $339 for six months.
The cheapest auto insurance company in Clear Lake is Pekin.
Teen drivers pay the highest rate in Clear Lake at $544 per month.

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Cheapest Minimum Liability Car Insurance in Clear 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 Clear Lake are given below.

Pekin provides the cheapest minimum car insurance coverage in Clear Lake. Their Average 6 Month Premium is $93. West Bend is the most expensive at $115 for the same period.

Cheapest Liability Coverage in Clear Lake, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$93	$16
Westfield	$98	$17
Hastings Mutual	$104	$17
Progressive	$109	$18
West Bend Mutual	$109	$18
USAA	$115	$19
Grange	$121	$20
State Farm	$121	$20
Farm Bureau Mutual (IA Group)	$132	$22
Auto-Owners Insurance Co	$137	$23
Iowa Farm Bureau	$147	$25
Travelers	$153	$26
Farm Bureau	$158	$27
American Family	$164	$28
Auto-Owners	$175	$29
Grinnell Mutual	$246	$41
Allstate	$361	$61
Nationwide	$383	$65
West Bend	$115	$19

Cheapest Full Coverage Car Insurance in Clear 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 Clear Lake is West Bend Mutual at $56 per month and $339 for six months.

Cheapest Full Coverage Car Insurance Quotes in Clear Lake, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$339	$56
Grange	$383	$65
Travelers	$405	$68
Auto-Owners Insurance Co	$410	$70
Hastings Mutual	$420	$70
Westfield	$448	$76
IMT Insurance Company	$465	$77
State Farm	$552	$93
American Family	$569	$96
USAA	$606	$102
Pekin	$617	$103
Progressive	$623	$105
Auto-Owners	$754	$126
Farm Bureau Mutual (IA Group)	$760	$129
Farm Bureau	$853	$142
Nationwide	$1011	$172
Grinnell Mutual	$1104	$184
Allstate	$1262	$213

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Average Car Insurance in Clear 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 Clear Lake, IA increasing?

Despite maintaining a clean driving record, your car insurance rates in Clear 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, Clear 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 Clear 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 Clear Lake,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Clear Lake at $20 per month. At $3197 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$121	$20
Grange	$137	$23
West Bend Mutual	$147	$25
Iowa Farm Bureau	$169	$29
Travelers	$574	$97
USAA	$716	$121
Progressive	$1076	$181
State Farm	$1225	$206
American Family	$1448	$244
Farm Bureau	$1864	$311
Farm Bureau Mutual (IA Group)	$2050	$349
Auto-Owners	$2087	$348
Grinnell Mutual	$2481	$422
Allstate	$2732	$460
Nationwide	$3197	$544

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 Clear Lake, Grange is the cheapest car insurance provider. At $158 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 Clear Lake is Grinnell Mutual, offering rates of around $1940 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$158	$27
Westfield	$191	$32
West Bend Mutual	$197	$33
Travelers	$213	$36
Progressive	$617	$104
American Family	$710	$120
State Farm	$1322	$223
Nationwide	$1443	$246
Farm Bureau	$1470	$245
Allstate	$1913	$326
Auto-Owners	$1929	$321
Grinnell Mutual	$1940	$330

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

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

The cheapest car insurance companies after an at-fault accident in Clear Lake include Hastings Mutual and Pekin, offering $104 and $126, respectively. Allstate is an expensive provider with an average six-month premium of $1732.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$104	$17
Pekin	$126	$21
Western National	$164	$28
Westfield	$164	$28
Grange	$186	$31
Auto-Owners Insurance Co	$191	$32
West Bend Mutual	$191	$32
State Farm	$399	$67
Travelers	$410	$69
Progressive	$580	$98
Grinnell Mutual	$656	$110
American Family	$754	$127
USAA	$842	$140
Auto-Owners	$989	$168
Farm Bureau Mutual (IA Group)	$1121	$187
Farm Bureau	$1388	$236
Nationwide	$1606	$268
Allstate	$1732	$292

Clear Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Clear Lake IA. For example, the car insurance in Clear Lake after a DUI increases to $655 for a six month policy. While the rate increases by $93 for a six-month policy in the case of a speeding ticket.

Clear Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$771	$129
One Med/PIP claim	$781	$132
Not-at-fault accident	$803	$134
One comp claim	$825	$141
Two Med/PIP claims	$847	$141
Child safety restraint	$864	$147
Failure to show documents	$864	$144
Failure to wear a seat belt	$864	$147
Speeding 6 - 10 MPH over limit	$864	$144
Two comp claims	$864	$147
Driving without lights	$868	$144
Driving with expired registration	$891	$152
Failure to yield	$891	$148
Illegal turn	$891	$152
Failure to stop at a red light	$896	$149
Wrong way/wrong lane	$902	$154
Cell phone violation	$907	$151
Driving too slowly	$907	$155
Speeding 11 - 15 MPH over limit	$907	$151
Texting while driving	$907	$155
Speeding 16 - 20 MPH over limit	$913	$152
Speeding in school zone	$924	$157
Improper passing	$929	$155
Following too closely	$935	$159
At-fault accident - less than $1000	$951	$158
Passing school bus	$967	$165
Operating a vehicle without permission	$1017	$169
At-fault accident - $1000-$2000	$1033	$176
Speeding 21 - 25 MPH over limit	$1033	$172
At-fault accident - greater than $2000	$1039	$177
In 65 MPH zone	$1110	$185
Open container	$1169	$199
Racing	$1317	$220
Driving with a suspended license	$1344	$228
Reckless driving	$1377	$229
Refusal to submit to a chemical test	$1399	$238
DUI	$1426	$237
Leaving scene of an accident/hit and run	$1443	$246

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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 Clear 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 Clear Lake.

The cheapest car insurance premiums in Clear Lake are offered by Western National at $164 for a six-month policy. However, it can be as expensive as $2137 with companies like Grinnell Mutual.

Clear Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$164	$28
Grange	$213	$36
Travelers	$213	$36
West Bend Mutual	$213	$36
Progressive	$410	$69
State Farm	$476	$80
American Family	$781	$132
Allstate	$1678	$285
Auto-Owners	$1787	$298
Farm Bureau	$1864	$316
Nationwide	$2000	$333
Grinnell Mutual	$2137	$363

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 Clear Lake are offered by Westfield at $121. However, it can be as expensive as $1399 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Clear Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$121	$20
West Bend Mutual	$142	$24
Western National	$164	$28
Iowa Farm Bureau	$180	$30
Travelers	$180	$30
Grange	$186	$31
State Farm	$312	$52
Progressive	$459	$77
American Family	$552	$93
Farm Bureau	$1044	$174
Grinnell Mutual	$1104	$188
Nationwide	$1268	$212
Auto-Owners	$1312	$223
Allstate	$1399	$233

Car Insurance Price Trends in Clear Lake, Iowa

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

The average cost of full coverage in the Clear Lake remained steady at $129 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Clear Lake remained steady at $27 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 Clear Lake?

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

What is the cheapest car insurance in Clear Lake?

The cheapest car insurance in Clear Lake is $56 per month for full coverage.

How much is car insurance in Clear Lake for teenagers?

Car insurance for teenagers costs $121 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 Clear Lake?

The average cost of car insurance is $699 for a six-month policy. It will cost around $108 per month to insure your car in Clear Lake.

Is car insurance expensive in Clear Lake?

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

Cheapest Car Insurance Quotes in Clear Lake

Why you can trust Way?

How Much Is Car Insurance in Clear Lake

Avg. Car Insurance in Clear Lake

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Clear Lake

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Clear Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Clear Lake, IA

Way's key takeaways about car insurance in Clear Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Clear Lake

Cheapest Liability Coverage in Clear Lake, IA

Cheapest Full Coverage Car Insurance in Clear Lake

Cheapest Full Coverage Car Insurance Quotes in Clear Lake, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Clear Lake by Rating Factor

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

Car Insurance Premiums by Age in Clear Lake

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Clear Lake Car Insurance Rates by Violation

Clear Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Clear Lake after a DUI

Clear Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Clear Lake after Speeding ticket

Car Insurance Price Trends in Clear Lake, Iowa

Average Car Insurance Cost in Clear Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Clear Lake, IA

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

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