Cheapest Car Insurance Quotes in Council Bluffs

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Council Bluffs 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 Council Bluffs

The car insurance rate in Council Bluffs is $804 for a six-month policy, which is $105 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $423, making it a popular choice for budget-conscious drivers. Rates in Council Bluffs 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 Council Bluffs

$804

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in Council Bluffs

1st place: West Bend Mutual

At $423 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 $478 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $506 for six months, making it the third cheapest auto insurance company in Council Bluffs.

Council Bluffs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Council Bluffs, IA is West Bend Mutual, offering policies at just $423 for a six-month term. This is followed by Grange, which has an average six-month premium of $478.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1578 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Council Bluffs drivers find the best deals.

Cheap Car Insurance Companies in Council Bluffs, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$423	$70
Grange	$478	$82
Travelers	$506	$85
Auto-Owners Insurance Co	$513	$87
Hastings Mutual	$526	$87
Westfield	$560	$95
IMT Insurance Company	$581	$97
State Farm	$690	$116
American Family	$711	$120
USAA	$758	$128
Pekin	$772	$129
Progressive	$779	$131
Auto-Owners	$943	$158
Farm Bureau Mutual (IA Group)	$950	$161
Farm Bureau	$1066	$177
Nationwide	$1264	$215
Grinnell Mutual	$1380	$230
Allstate	$1578	$266

Key Takeaways

Way's key takeaways about car insurance in Council Bluffs

The auto insurance costs in Council Bluffs fall around $423 for six months.
The cheapest auto insurance company in Council Bluffs is Pekin.
Teen drivers pay the highest rate in Council Bluffs at $680 per month.

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Cheapest Minimum Liability Car Insurance in Council Bluffs

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 Council Bluffs are given below.

Pekin provides the cheapest minimum car insurance coverage in Council Bluffs. Their Average 6 Month Premium is $116. West Bend is the most expensive at $144 for the same period.

Cheapest Liability Coverage in Council Bluffs, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$116	$20
Westfield	$123	$21
Hastings Mutual	$130	$22
Progressive	$137	$23
West Bend Mutual	$137	$23
USAA	$144	$24
Grange	$151	$25
State Farm	$151	$25
Farm Bureau Mutual (IA Group)	$164	$28
Auto-Owners Insurance Co	$171	$29
Iowa Farm Bureau	$184	$31
Travelers	$191	$32
Farm Bureau	$198	$33
American Family	$205	$35
Auto-Owners	$218	$37
Grinnell Mutual	$307	$52
Allstate	$451	$76
Nationwide	$478	$82
West Bend	$144	$24

Cheapest Full Coverage Car Insurance in Council Bluffs

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 Council Bluffs is West Bend Mutual at $70 per month and $423 for six months.

Cheapest Full Coverage Car Insurance Quotes in Council Bluffs, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$423	$70
Grange	$478	$82
Travelers	$506	$85
Auto-Owners Insurance Co	$513	$87
Hastings Mutual	$526	$87
Westfield	$560	$95
IMT Insurance Company	$581	$97
State Farm	$690	$116
American Family	$711	$120
USAA	$758	$128
Pekin	$772	$129
Progressive	$779	$131
Auto-Owners	$943	$158
Farm Bureau Mutual (IA Group)	$950	$161
Farm Bureau	$1066	$177
Nationwide	$1264	$215
Grinnell Mutual	$1380	$230
Allstate	$1578	$266

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Average Car Insurance in Council Bluffs 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 Council Bluffs, IA increasing?

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

Car Insurance Premiums by Age in Council Bluffs

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 Council Bluffs,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Council Bluffs at $25 per month. At $3996 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$151	$25
Grange	$171	$29
West Bend Mutual	$184	$31
Iowa Farm Bureau	$212	$36
Travelers	$718	$121
USAA	$895	$151
Progressive	$1346	$227
State Farm	$1531	$258
American Family	$1810	$305
Farm Bureau	$2330	$389
Farm Bureau Mutual (IA Group)	$2562	$436
Auto-Owners	$2609	$435
Grinnell Mutual	$3102	$528
Allstate	$3415	$575
Nationwide	$3996	$680

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 Council Bluffs, Grange is the cheapest car insurance provider. At $198 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 Council Bluffs is Grinnell Mutual, offering rates of around $2425 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$198	$33
Westfield	$239	$40
West Bend Mutual	$246	$41
Travelers	$267	$45
Progressive	$772	$130
American Family	$888	$150
State Farm	$1653	$278
Nationwide	$1803	$307
Farm Bureau	$1838	$306
Allstate	$2391	$407
Auto-Owners	$2412	$401
Grinnell Mutual	$2425	$413

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Car Insurance Rates with An Accident in Council Bluffs

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

Cheapest Car Insurance Companies after an At-Fault Accident in Council Bluffs

The cheapest car insurance companies after an at-fault accident in Council Bluffs include Hastings Mutual and Pekin, offering $130 and $158, respectively. Allstate is an expensive provider with an average six-month premium of $2165.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$130	$22
Pekin	$158	$26
Western National	$205	$35
Westfield	$205	$35
Grange	$232	$39
Auto-Owners Insurance Co	$239	$40
West Bend Mutual	$239	$40
State Farm	$499	$84
Travelers	$513	$86
Progressive	$725	$122
Grinnell Mutual	$820	$138
American Family	$943	$159
USAA	$1052	$175
Auto-Owners	$1236	$210
Farm Bureau Mutual (IA Group)	$1401	$233
Farm Bureau	$1735	$296
Nationwide	$2008	$335
Allstate	$2165	$365

Council Bluffs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Council Bluffs IA. For example, the car insurance in Council Bluffs after a DUI increases to $818 for a six month policy. While the rate increases by $116 for a six-month policy in the case of a speeding ticket.

Council Bluffs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$964	$161
One Med/PIP claim	$976	$166
Not-at-fault accident	$1004	$168
One comp claim	$1032	$176
Two Med/PIP claims	$1059	$176
Child safety restraint	$1080	$184
Failure to show documents	$1080	$179
Failure to wear a seat belt	$1080	$184
Speeding 6 - 10 MPH over limit	$1080	$179
Two comp claims	$1080	$184
Driving without lights	$1086	$181
Driving with expired registration	$1113	$190
Failure to yield	$1113	$185
Illegal turn	$1113	$190
Failure to stop at a red light	$1120	$186
Wrong way/wrong lane	$1127	$192
Cell phone violation	$1134	$189
Driving too slowly	$1134	$193
Speeding 11 - 15 MPH over limit	$1134	$189
Texting while driving	$1134	$193
Speeding 16 - 20 MPH over limit	$1141	$190
Speeding in school zone	$1155	$197
Improper passing	$1162	$193
Following too closely	$1168	$199
At-fault accident - less than $1000	$1189	$198
Passing school bus	$1209	$206
Operating a vehicle without permission	$1271	$212
At-fault accident - $1000-$2000	$1291	$220
Speeding 21 - 25 MPH over limit	$1291	$215
At-fault accident - greater than $2000	$1298	$221
In 65 MPH zone	$1387	$231
Open container	$1462	$248
Racing	$1647	$275
Driving with a suspended license	$1680	$285
Reckless driving	$1722	$286
Refusal to submit to a chemical test	$1749	$298
DUI	$1782	$297
Leaving scene of an accident/hit and run	$1803	$307

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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 Council Bluffs 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 Council Bluffs.

The cheapest car insurance premiums in Council Bluffs are offered by Western National at $205 for a six-month policy. However, it can be as expensive as $2671 with companies like Grinnell Mutual.

Council Bluffs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$205	$35
Grange	$267	$45
Travelers	$267	$45
West Bend Mutual	$267	$45
Progressive	$513	$86
State Farm	$595	$100
American Family	$976	$164
Allstate	$2098	$357
Auto-Owners	$2233	$373
Farm Bureau	$2330	$396
Nationwide	$2500	$416
Grinnell Mutual	$2671	$454

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 Council Bluffs are offered by Westfield at $151. However, it can be as expensive as $1749 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Council Bluffs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$151	$25
West Bend Mutual	$177	$30
Western National	$205	$35
Iowa Farm Bureau	$225	$38
Travelers	$225	$38
Grange	$232	$39
State Farm	$390	$66
Progressive	$574	$97
American Family	$690	$116
Farm Bureau	$1305	$217
Grinnell Mutual	$1380	$235
Nationwide	$1585	$265
Auto-Owners	$1640	$278
Allstate	$1749	$291

Car Insurance Price Trends in Council Bluffs, Iowa

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

The average cost of full coverage in the Council Bluffs remained steady at $161 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Council Bluffs remained steady at $33 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 Council Bluffs?

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

What is the cheapest car insurance in Council Bluffs?

The cheapest car insurance in Council Bluffs is $70 per month for full coverage.

How much is car insurance in Council Bluffs for teenagers?

Car insurance for teenagers costs $151 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 Council Bluffs?

The average cost of car insurance is $699 for a six-month policy. It will cost around $135 per month to insure your car in Council Bluffs.

Is car insurance expensive in Council Bluffs?

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

Cheapest Car Insurance Quotes in Council Bluffs

Why you can trust Way?

How Much Is Car Insurance in Council Bluffs

Avg. Car Insurance in Council Bluffs

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Council Bluffs

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Council Bluffs Car Insurance Rates by Company

Cheap Car Insurance Companies in Council Bluffs, IA

Way's key takeaways about car insurance in Council Bluffs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Council Bluffs

Cheapest Liability Coverage in Council Bluffs, IA

Cheapest Full Coverage Car Insurance in Council Bluffs

Cheapest Full Coverage Car Insurance Quotes in Council Bluffs, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Council Bluffs by Rating Factor

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

Car Insurance Premiums by Age in Council Bluffs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Council Bluffs,IA

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

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 Council Bluffs

Cheapest Car Insurance Companies after an At-Fault Accident in Council Bluffs

Council Bluffs Car Insurance Rates by Violation

Council Bluffs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Council Bluffs after a DUI

Council Bluffs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Council Bluffs after Speeding ticket

Car Insurance Price Trends in Council Bluffs, Iowa

Average Car Insurance Cost in Council Bluffs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Council Bluffs, IA

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

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