Cheapest Car Insurance Quotes in Dakota City

Finding the cheapest car insurance quotes in Dakota City shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Dakota City 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 Dakota City

The car insurance rate in Dakota City is $678 for a six-month policy, which is $21 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $357, making it a popular choice for budget-conscious drivers. Rates in Dakota 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 Dakota City

$678

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in Dakota City

1st place: West Bend Mutual

At $357 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 $404 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $427 for six months, making it the third cheapest auto insurance company in Dakota City.

Dakota City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dakota City, IA is West Bend Mutual, offering policies at just $357 for a six-month term. This is followed by Grange, which has an average six-month premium of $404.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1331 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dakota City drivers find the best deals.

Cheap Car Insurance Companies in Dakota City, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$357	$59
Grange	$404	$69
Travelers	$427	$72
Auto-Owners Insurance Co	$433	$74
Hastings Mutual	$443	$74
Westfield	$472	$81
IMT Insurance Company	$490	$81
State Farm	$582	$98
American Family	$599	$101
USAA	$639	$108
Pekin	$651	$109
Progressive	$657	$111
Auto-Owners	$795	$133
Farm Bureau Mutual (IA Group)	$801	$136
Farm Bureau	$899	$149
Nationwide	$1066	$181
Grinnell Mutual	$1164	$194
Allstate	$1331	$224

Key Takeaways

Way's key takeaways about car insurance in Dakota City

The auto insurance costs in Dakota City fall around $357 for six months.
The cheapest auto insurance company in Dakota City is Pekin.
Teen drivers pay the highest rate in Dakota City at $573 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

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

Pekin provides the cheapest minimum car insurance coverage in Dakota City. Their Average 6 Month Premium is $98. West Bend is the most expensive at $121 for the same period.

Cheapest Liability Coverage in Dakota City, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$98	$16
Westfield	$104	$17
Hastings Mutual	$110	$18
Progressive	$115	$19
West Bend Mutual	$115	$19
USAA	$121	$20
Grange	$127	$21
State Farm	$127	$21
Farm Bureau Mutual (IA Group)	$139	$23
Auto-Owners Insurance Co	$145	$24
Iowa Farm Bureau	$155	$26
Travelers	$161	$27
Farm Bureau	$167	$28
American Family	$173	$29
Auto-Owners	$184	$31
Grinnell Mutual	$259	$44
Allstate	$380	$64
Nationwide	$404	$69
West Bend	$121	$20

Cheapest Full Coverage Car Insurance in Dakota 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 Dakota City is West Bend Mutual at $59 per month and $357 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dakota City, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$357	$59
Grange	$404	$69
Travelers	$427	$72
Auto-Owners Insurance Co	$433	$74
Hastings Mutual	$443	$74
Westfield	$472	$81
IMT Insurance Company	$490	$81
State Farm	$582	$98
American Family	$599	$101
USAA	$639	$108
Pekin	$651	$109
Progressive	$657	$111
Auto-Owners	$795	$133
Farm Bureau Mutual (IA Group)	$801	$136
Farm Bureau	$899	$149
Nationwide	$1066	$181
Grinnell Mutual	$1164	$194
Allstate	$1331	$224

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Dakota City Instantly!

Average Car Insurance in Dakota 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 Dakota City, IA increasing?

Despite maintaining a clean driving record, your car insurance rates in Dakota 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, Dakota 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 Dakota 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

undefined

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

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Dakota City at $21 per month. At $3371 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$127	$21
Grange	$145	$24
West Bend Mutual	$155	$26
Iowa Farm Bureau	$178	$30
Travelers	$605	$102
USAA	$755	$127
Progressive	$1135	$191
State Farm	$1291	$217
American Family	$1527	$257
Farm Bureau	$1965	$328
Farm Bureau Mutual (IA Group)	$2161	$368
Auto-Owners	$2201	$367
Grinnell Mutual	$2616	$445
Allstate	$2881	$485
Nationwide	$3371	$573

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 Dakota City, Grange is the cheapest car insurance provider. At $167 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 Dakota City is Grinnell Mutual, offering rates of around $2046 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$167	$28
Westfield	$202	$34
West Bend Mutual	$208	$35
Travelers	$225	$38
Progressive	$651	$110
American Family	$749	$126
State Farm	$1394	$235
Nationwide	$1521	$259
Farm Bureau	$1550	$258
Allstate	$2017	$343
Auto-Owners	$2034	$339
Grinnell Mutual	$2046	$348

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Dakota City.

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

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

The cheapest car insurance companies after an at-fault accident in Dakota City include Hastings Mutual and Pekin, offering $110 and $133, respectively. Allstate is an expensive provider with an average six-month premium of $1827.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$110	$18
Pekin	$133	$22
Western National	$173	$29
Westfield	$173	$29
Grange	$196	$33
Auto-Owners Insurance Co	$202	$34
West Bend Mutual	$202	$34
State Farm	$421	$71
Travelers	$433	$73
Progressive	$611	$103
Grinnell Mutual	$692	$116
American Family	$795	$134
USAA	$888	$147
Auto-Owners	$1043	$178
Farm Bureau Mutual (IA Group)	$1181	$197
Farm Bureau	$1464	$249
Nationwide	$1694	$282
Allstate	$1827	$307

Dakota City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dakota City IA. For example, the car insurance in Dakota City after a DUI increases to $691 for a six month policy. While the rate increases by $98 for a six-month policy in the case of a speeding ticket.

Dakota City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$813	$136
One Med/PIP claim	$824	$140
Not-at-fault accident	$847	$142
One comp claim	$870	$148
Two Med/PIP claims	$893	$148
Child safety restraint	$911	$155
Failure to show documents	$911	$151
Failure to wear a seat belt	$911	$155
Speeding 6 - 10 MPH over limit	$911	$151
Two comp claims	$911	$155
Driving without lights	$916	$152
Driving with expired registration	$939	$160
Failure to yield	$939	$156
Illegal turn	$939	$160
Failure to stop at a red light	$945	$157
Wrong way/wrong lane	$951	$162
Cell phone violation	$956	$159
Driving too slowly	$956	$163
Speeding 11 - 15 MPH over limit	$956	$159
Texting while driving	$956	$163
Speeding 16 - 20 MPH over limit	$962	$160
Speeding in school zone	$974	$166
Improper passing	$980	$163
Following too closely	$986	$168
At-fault accident - less than $1000	$1003	$167
Passing school bus	$1019	$174
Operating a vehicle without permission	$1072	$178
At-fault accident - $1000-$2000	$1089	$185
Speeding 21 - 25 MPH over limit	$1089	$181
At-fault accident - greater than $2000	$1095	$186
In 65 MPH zone	$1170	$195
Open container	$1233	$210
Racing	$1389	$232
Driving with a suspended license	$1417	$241
Reckless driving	$1452	$242
Refusal to submit to a chemical test	$1475	$251
DUI	$1504	$250
Leaving scene of an accident/hit and run	$1521	$259

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Dakota 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 Dakota City.

The cheapest car insurance premiums in Dakota City are offered by Western National at $173 for a six-month policy. However, it can be as expensive as $2253 with companies like Grinnell Mutual.

Dakota City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$173	$29
Grange	$225	$38
Travelers	$225	$38
West Bend Mutual	$225	$38
Progressive	$433	$73
State Farm	$501	$84
American Family	$824	$139
Allstate	$1769	$301
Auto-Owners	$1884	$314
Farm Bureau	$1965	$334
Nationwide	$2109	$351
Grinnell Mutual	$2253	$383

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 Dakota City are offered by Westfield at $127. However, it can be as expensive as $1475 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Dakota City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$127	$21
West Bend Mutual	$149	$25
Western National	$173	$29
Iowa Farm Bureau	$190	$32
Travelers	$190	$32
Grange	$196	$33
State Farm	$329	$55
Progressive	$484	$81
American Family	$582	$98
Farm Bureau	$1101	$183
Grinnell Mutual	$1164	$198
Nationwide	$1337	$223
Auto-Owners	$1383	$235
Allstate	$1475	$245

Car Insurance Price Trends in Dakota City, Iowa

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

The average cost of full coverage in the Dakota City remained steady at $136 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Dakota City remained steady at $28 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Dakota City?

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

What is the cheapest car insurance in Dakota City?

The cheapest car insurance in Dakota City is $59 per month for full coverage.

How much is car insurance in Dakota City for teenagers?

Car insurance for teenagers costs $127 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 Dakota City?

The average cost of car insurance is $699 for a six-month policy. It will cost around $113 per month to insure your car in Dakota City.

Is car insurance expensive in Dakota City?

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

Cheapest Car Insurance Quotes in Dakota City

Why you can trust Way?

How Much Is Car Insurance in Dakota City

Avg. Car Insurance in Dakota City

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Dakota City

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Dakota City Car Insurance Rates by Company

Cheap Car Insurance Companies in Dakota City, IA

Way's key takeaways about car insurance in Dakota City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Dakota City

Cheapest Liability Coverage in Dakota City, IA

Cheapest Full Coverage Car Insurance in Dakota City

Cheapest Full Coverage Car Insurance Quotes in Dakota City, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Dakota City by Rating Factor

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

Car Insurance Premiums by Age in Dakota City

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Dakota City Car Insurance Rates by Violation

Dakota City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Dakota City after a DUI

Dakota City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Dakota City after Speeding ticket

Car Insurance Price Trends in Dakota City, Iowa

Average Car Insurance Cost in Dakota City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Dakota City, IA

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

Featured Blogs

Data Sources