Cheapest Car Insurance Quotes in Colesburg

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Colesburg 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 Colesburg

The car insurance rate in Colesburg is $706 for a six-month policy, which is $7 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $372, making it a popular choice for budget-conscious drivers. Rates in Colesburg 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 Colesburg

$706

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in Colesburg

1st place: West Bend Mutual

At $372 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 $420 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $444 for six months, making it the third cheapest auto insurance company in Colesburg.

Colesburg Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Colesburg, IA is West Bend Mutual, offering policies at just $372 for a six-month term. This is followed by Grange, which has an average six-month premium of $420.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1386 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Colesburg drivers find the best deals.

Cheap Car Insurance Companies in Colesburg, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$372	$62
Grange	$420	$72
Travelers	$444	$75
Auto-Owners Insurance Co	$450	$77
Hastings Mutual	$462	$77
Westfield	$492	$84
IMT Insurance Company	$510	$85
State Farm	$606	$102
American Family	$624	$105
USAA	$666	$112
Pekin	$678	$113
Progressive	$684	$115
Auto-Owners	$828	$138
Farm Bureau Mutual (IA Group)	$834	$141
Farm Bureau	$936	$156
Nationwide	$1110	$189
Grinnell Mutual	$1212	$202
Allstate	$1386	$233

Key Takeaways

Way's key takeaways about car insurance in Colesburg

The auto insurance costs in Colesburg fall around $372 for six months.
The cheapest auto insurance company in Colesburg is Pekin.
Teen drivers pay the highest rate in Colesburg at $597 per month.

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Cheapest Minimum Liability Car Insurance in Colesburg

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 Colesburg are given below.

Pekin provides the cheapest minimum car insurance coverage in Colesburg. Their Average 6 Month Premium is $102. West Bend is the most expensive at $126 for the same period.

Cheapest Liability Coverage in Colesburg, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$102	$17
Westfield	$108	$18
Hastings Mutual	$114	$19
Progressive	$120	$20
West Bend Mutual	$120	$20
USAA	$126	$21
Grange	$132	$22
State Farm	$132	$22
Farm Bureau Mutual (IA Group)	$144	$24
Auto-Owners Insurance Co	$150	$25
Iowa Farm Bureau	$162	$27
Travelers	$168	$28
Farm Bureau	$174	$29
American Family	$180	$30
Auto-Owners	$192	$32
Grinnell Mutual	$270	$45
Allstate	$396	$67
Nationwide	$420	$72
West Bend	$126	$21

Cheapest Full Coverage Car Insurance in Colesburg

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 Colesburg is West Bend Mutual at $62 per month and $372 for six months.

Cheapest Full Coverage Car Insurance Quotes in Colesburg, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$372	$62
Grange	$420	$72
Travelers	$444	$75
Auto-Owners Insurance Co	$450	$77
Hastings Mutual	$462	$77
Westfield	$492	$84
IMT Insurance Company	$510	$85
State Farm	$606	$102
American Family	$624	$105
USAA	$666	$112
Pekin	$678	$113
Progressive	$684	$115
Auto-Owners	$828	$138
Farm Bureau Mutual (IA Group)	$834	$141
Farm Bureau	$936	$156
Nationwide	$1110	$189
Grinnell Mutual	$1212	$202
Allstate	$1386	$233

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Average Car Insurance in Colesburg 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 Colesburg, IA increasing?

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

Car Insurance Premiums by Age in Colesburg

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 Colesburg,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Colesburg at $22 per month. At $3510 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$132	$22
Grange	$150	$25
West Bend Mutual	$162	$27
Iowa Farm Bureau	$186	$31
Travelers	$630	$106
USAA	$786	$132
Progressive	$1182	$199
State Farm	$1344	$226
American Family	$1590	$268
Farm Bureau	$2046	$341
Farm Bureau Mutual (IA Group)	$2250	$383
Auto-Owners	$2292	$382
Grinnell Mutual	$2724	$464
Allstate	$3000	$505
Nationwide	$3510	$597

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 Colesburg, Grange is the cheapest car insurance provider. At $174 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 Colesburg is Grinnell Mutual, offering rates of around $2130 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$174	$29
Westfield	$210	$35
West Bend Mutual	$216	$36
Travelers	$234	$39
Progressive	$678	$114
American Family	$780	$131
State Farm	$1451	$244
Nationwide	$1584	$270
Farm Bureau	$1614	$269
Allstate	$2100	$358
Auto-Owners	$2118	$352
Grinnell Mutual	$2130	$363

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Car Insurance Rates with An Accident in Colesburg

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

Cheapest Car Insurance Companies after an At-Fault Accident in Colesburg

The cheapest car insurance companies after an at-fault accident in Colesburg include Hastings Mutual and Pekin, offering $114 and $138, respectively. Allstate is an expensive provider with an average six-month premium of $1902.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$114	$19
Pekin	$138	$23
Western National	$180	$30
Westfield	$180	$30
Grange	$204	$34
Auto-Owners Insurance Co	$210	$35
West Bend Mutual	$210	$35
State Farm	$438	$74
Travelers	$450	$76
Progressive	$636	$107
Grinnell Mutual	$720	$121
American Family	$828	$139
USAA	$924	$154
Auto-Owners	$1086	$185
Farm Bureau Mutual (IA Group)	$1230	$205
Farm Bureau	$1524	$260
Nationwide	$1763	$294
Allstate	$1902	$320

Colesburg Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Colesburg IA. For example, the car insurance in Colesburg after a DUI increases to $720 for a six month policy. While the rate increases by $102 for a six-month policy in the case of a speeding ticket.

Colesburg auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$846	$141
One Med/PIP claim	$857	$145
Not-at-fault accident	$882	$147
One comp claim	$906	$155
Two Med/PIP claims	$930	$155
Child safety restraint	$948	$162
Failure to show documents	$948	$158
Failure to wear a seat belt	$948	$162
Speeding 6 - 10 MPH over limit	$948	$158
Two comp claims	$948	$162
Driving without lights	$953	$159
Driving with expired registration	$978	$167
Failure to yield	$978	$163
Illegal turn	$978	$167
Failure to stop at a red light	$984	$164
Wrong way/wrong lane	$990	$169
Cell phone violation	$996	$166
Driving too slowly	$996	$170
Speeding 11 - 15 MPH over limit	$996	$166
Texting while driving	$996	$170
Speeding 16 - 20 MPH over limit	$1002	$167
Speeding in school zone	$1014	$173
Improper passing	$1020	$170
Following too closely	$1026	$175
At-fault accident - less than $1000	$1044	$174
Passing school bus	$1062	$181
Operating a vehicle without permission	$1116	$186
At-fault accident - $1000-$2000	$1134	$193
Speeding 21 - 25 MPH over limit	$1134	$189
At-fault accident - greater than $2000	$1140	$194
In 65 MPH zone	$1218	$203
Open container	$1284	$218
Racing	$1446	$241
Driving with a suspended license	$1476	$250
Reckless driving	$1512	$251
Refusal to submit to a chemical test	$1536	$262
DUI	$1566	$261
Leaving scene of an accident/hit and run	$1584	$270

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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 Colesburg 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 Colesburg.

The cheapest car insurance premiums in Colesburg are offered by Western National at $180 for a six-month policy. However, it can be as expensive as $2346 with companies like Grinnell Mutual.

Colesburg car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$180	$30
Grange	$234	$39
Travelers	$234	$39
West Bend Mutual	$234	$39
Progressive	$450	$76
State Farm	$522	$88
American Family	$857	$144
Allstate	$1842	$313
Auto-Owners	$1961	$327
Farm Bureau	$2046	$347
Nationwide	$2196	$366
Grinnell Mutual	$2346	$399

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 Colesburg are offered by Westfield at $132. However, it can be as expensive as $1536 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Colesburg after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$132	$22
West Bend Mutual	$156	$26
Western National	$180	$30
Iowa Farm Bureau	$198	$33
Travelers	$198	$33
Grange	$204	$34
State Farm	$342	$58
Progressive	$504	$85
American Family	$606	$102
Farm Bureau	$1146	$191
Grinnell Mutual	$1212	$206
Nationwide	$1392	$232
Auto-Owners	$1440	$244
Allstate	$1536	$256

Car Insurance Price Trends in Colesburg, Iowa

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

The average cost of full coverage in the Colesburg remained steady at $141 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Colesburg remained steady at $29 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 Colesburg?

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

What is the cheapest car insurance in Colesburg?

The cheapest car insurance in Colesburg is $62 per month for full coverage.

How much is car insurance in Colesburg for teenagers?

Car insurance for teenagers costs $132 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 Colesburg?

The average cost of car insurance is $699 for a six-month policy. It will cost around $118 per month to insure your car in Colesburg.

Is car insurance expensive in Colesburg?

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

Cheapest Car Insurance Quotes in Colesburg

Why you can trust Way?

How Much Is Car Insurance in Colesburg

Avg. Car Insurance in Colesburg

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Colesburg

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Colesburg Car Insurance Rates by Company

Cheap Car Insurance Companies in Colesburg, IA

Way's key takeaways about car insurance in Colesburg

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Colesburg

Cheapest Liability Coverage in Colesburg, IA

Cheapest Full Coverage Car Insurance in Colesburg

Cheapest Full Coverage Car Insurance Quotes in Colesburg, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Colesburg by Rating Factor

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

Car Insurance Premiums by Age in Colesburg

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Colesburg,IA

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

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 Colesburg

Cheapest Car Insurance Companies after an At-Fault Accident in Colesburg

Colesburg Car Insurance Rates by Violation

Colesburg auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Colesburg after a DUI

Colesburg car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Colesburg after Speeding ticket

Car Insurance Price Trends in Colesburg, Iowa

Average Car Insurance Cost in Colesburg by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Colesburg, IA

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

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