Cheapest Car Insurance Quotes in Cumberland

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Cumberland Car Insurance

^$ 19

/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 Cumberland

The car insurance rate in Cumberland is $797 for a six-month policy, which is $98 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $420, making it a popular choice for budget-conscious drivers. Rates in Cumberland 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 Cumberland

$797

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in Cumberland

1st place: West Bend Mutual

At $420 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 $474 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $502 for six months, making it the third cheapest auto insurance company in Cumberland.

Cumberland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cumberland, IA is West Bend Mutual, offering policies at just $420 for a six-month term. This is followed by Grange, which has an average six-month premium of $474.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1564 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cumberland drivers find the best deals.

Cheap Car Insurance Companies in Cumberland, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$420	$70
Grange	$474	$81
Travelers	$502	$84
Auto-Owners Insurance Co	$508	$87
Hastings Mutual	$521	$87
Westfield	$555	$95
IMT Insurance Company	$576	$96
State Farm	$684	$115
American Family	$705	$119
USAA	$751	$127
Pekin	$765	$128
Progressive	$772	$130
Auto-Owners	$935	$156
Farm Bureau Mutual (IA Group)	$942	$160
Farm Bureau	$1057	$176
Nationwide	$1253	$213
Grinnell Mutual	$1368	$228
Allstate	$1564	$263

Key Takeaways

Way's key takeaways about car insurance in Cumberland

The auto insurance costs in Cumberland fall around $420 for six months.
The cheapest auto insurance company in Cumberland is Pekin.
Teen drivers pay the highest rate in Cumberland at $674 per month.

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Cheapest Minimum Liability Car Insurance in Cumberland

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 Cumberland are given below.

Pekin provides the cheapest minimum car insurance coverage in Cumberland. Their Average 6 Month Premium is $115. West Bend is the most expensive at $143 for the same period.

Cheapest Liability Coverage in Cumberland, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$115	$19
Westfield	$122	$21
Hastings Mutual	$129	$22
Progressive	$136	$23
West Bend Mutual	$136	$23
USAA	$143	$24
Grange	$149	$25
State Farm	$149	$25
Farm Bureau Mutual (IA Group)	$163	$27
Auto-Owners Insurance Co	$170	$28
Iowa Farm Bureau	$182	$31
Travelers	$189	$32
Farm Bureau	$196	$33
American Family	$203	$34
Auto-Owners	$217	$36
Grinnell Mutual	$304	$51
Allstate	$447	$75
Nationwide	$474	$81
West Bend	$143	$24

Cheapest Full Coverage Car Insurance in Cumberland

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 Cumberland is West Bend Mutual at $70 per month and $420 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cumberland, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$420	$70
Grange	$474	$81
Travelers	$502	$84
Auto-Owners Insurance Co	$508	$87
Hastings Mutual	$521	$87
Westfield	$555	$95
IMT Insurance Company	$576	$96
State Farm	$684	$115
American Family	$705	$119
USAA	$751	$127
Pekin	$765	$128
Progressive	$772	$130
Auto-Owners	$935	$156
Farm Bureau Mutual (IA Group)	$942	$160
Farm Bureau	$1057	$176
Nationwide	$1253	$213
Grinnell Mutual	$1368	$228
Allstate	$1564	$263

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Average Car Insurance in Cumberland 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 Cumberland, IA increasing?

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

Car Insurance Premiums by Age in Cumberland

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 Cumberland,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Cumberland at $25 per month. At $3961 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$149	$25
Grange	$170	$28
West Bend Mutual	$182	$31
Iowa Farm Bureau	$210	$35
Travelers	$711	$120
USAA	$887	$149
Progressive	$1334	$225
State Farm	$1517	$255
American Family	$1794	$302
Farm Bureau	$2310	$385
Farm Bureau Mutual (IA Group)	$2540	$432
Auto-Owners	$2587	$431
Grinnell Mutual	$3075	$523
Allstate	$3386	$570
Nationwide	$3961	$674

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 Cumberland, Grange is the cheapest car insurance provider. At $196 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 Cumberland is Grinnell Mutual, offering rates of around $2404 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$196	$33
Westfield	$237	$40
West Bend Mutual	$244	$41
Travelers	$264	$44
Progressive	$765	$129
American Family	$880	$148
State Farm	$1638	$276
Nationwide	$1788	$304
Farm Bureau	$1822	$303
Allstate	$2370	$404
Auto-Owners	$2391	$398
Grinnell Mutual	$2404	$409

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Car Insurance Rates with An Accident in Cumberland

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

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

The cheapest car insurance companies after an at-fault accident in Cumberland include Hastings Mutual and Pekin, offering $129 and $156, respectively. Allstate is an expensive provider with an average six-month premium of $2147.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$129	$22
Pekin	$156	$26
Western National	$203	$34
Westfield	$203	$34
Grange	$230	$39
Auto-Owners Insurance Co	$237	$40
West Bend Mutual	$237	$40
State Farm	$495	$83
Travelers	$508	$85
Progressive	$718	$121
Grinnell Mutual	$813	$137
American Family	$935	$157
USAA	$1043	$173
Auto-Owners	$1226	$209
Farm Bureau Mutual (IA Group)	$1389	$231
Farm Bureau	$1720	$293
Nationwide	$1990	$332
Allstate	$2147	$361

Cumberland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cumberland IA. For example, the car insurance in Cumberland after a DUI increases to $812 for a six month policy. While the rate increases by $115 for a six-month policy in the case of a speeding ticket.

Cumberland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$955	$160
One Med/PIP claim	$968	$164
Not-at-fault accident	$995	$166
One comp claim	$1023	$174
Two Med/PIP claims	$1050	$174
Child safety restraint	$1070	$182
Failure to show documents	$1070	$178
Failure to wear a seat belt	$1070	$182
Speeding 6 - 10 MPH over limit	$1070	$178
Two comp claims	$1070	$182
Driving without lights	$1076	$179
Driving with expired registration	$1104	$188
Failure to yield	$1104	$184
Illegal turn	$1104	$188
Failure to stop at a red light	$1110	$185
Wrong way/wrong lane	$1117	$190
Cell phone violation	$1124	$187
Driving too slowly	$1124	$192
Speeding 11 - 15 MPH over limit	$1124	$187
Texting while driving	$1124	$192
Speeding 16 - 20 MPH over limit	$1131	$188
Speeding in school zone	$1145	$195
Improper passing	$1151	$192
Following too closely	$1158	$197
At-fault accident - less than $1000	$1179	$196
Passing school bus	$1198	$204
Operating a vehicle without permission	$1260	$210
At-fault accident - $1000-$2000	$1280	$218
Speeding 21 - 25 MPH over limit	$1280	$213
At-fault accident - greater than $2000	$1287	$219
In 65 MPH zone	$1375	$229
Open container	$1449	$246
Racing	$1632	$272
Driving with a suspended license	$1666	$283
Reckless driving	$1707	$284
Refusal to submit to a chemical test	$1734	$295
DUI	$1767	$294
Leaving scene of an accident/hit and run	$1788	$304

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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 Cumberland 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 Cumberland.

The cheapest car insurance premiums in Cumberland are offered by Western National at $203 for a six-month policy. However, it can be as expensive as $2648 with companies like Grinnell Mutual.

Cumberland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$203	$34
Grange	$264	$44
Travelers	$264	$44
West Bend Mutual	$264	$44
Progressive	$508	$85
State Farm	$589	$99
American Family	$968	$163
Allstate	$2079	$353
Auto-Owners	$2214	$369
Farm Bureau	$2310	$392
Nationwide	$2478	$413
Grinnell Mutual	$2648	$450

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 Cumberland are offered by Westfield at $149. However, it can be as expensive as $1734 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Cumberland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$149	$25
West Bend Mutual	$176	$30
Western National	$203	$34
Iowa Farm Bureau	$223	$38
Travelers	$223	$38
Grange	$230	$39
State Farm	$386	$65
Progressive	$569	$96
American Family	$684	$115
Farm Bureau	$1294	$215
Grinnell Mutual	$1368	$233
Nationwide	$1571	$262
Auto-Owners	$1626	$276
Allstate	$1734	$288

Car Insurance Price Trends in Cumberland, Iowa

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

The average cost of full coverage in the Cumberland remained steady at $160 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Cumberland 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 Cumberland?

The car insurance in Cumberland is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Cumberland?

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

How much is car insurance in Cumberland for teenagers?

Car insurance for teenagers costs $149 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 Cumberland?

The average cost of car insurance is $699 for a six-month policy. It will cost around $133 per month to insure your car in Cumberland.

Is car insurance expensive in Cumberland?

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

Cheapest Car Insurance Quotes in Cumberland

Why you can trust Way?

How Much Is Car Insurance in Cumberland

Avg. Car Insurance in Cumberland

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Cumberland

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Cumberland Car Insurance Rates by Company

Cheap Car Insurance Companies in Cumberland, IA

Way's key takeaways about car insurance in Cumberland

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cumberland

Cheapest Liability Coverage in Cumberland, IA

Cheapest Full Coverage Car Insurance in Cumberland

Cheapest Full Coverage Car Insurance Quotes in Cumberland, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cumberland by Rating Factor

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

Car Insurance Premiums by Age in Cumberland

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cumberland,IA

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

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 Cumberland

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

Cumberland Car Insurance Rates by Violation

Cumberland auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cumberland after a DUI

Cumberland car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cumberland after Speeding ticket

Car Insurance Price Trends in Cumberland, Iowa

Average Car Insurance Cost in Cumberland by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cumberland, IA

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

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