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Finding the cheapest car insurance quotes in Dorchester 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.
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 Dorchester
The car insurance rate in Dorchester is $748 for a six-month policy, which is $49 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $394, making it a popular choice for budget-conscious drivers. Rates in Dorchester 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.
At $394 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 $445 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $471
for six months, making it
the third cheapest auto insurance company in Dorchester.
Dorchester Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Dorchester, IA is West Bend Mutual, offering policies at just $394 for a six-month term. This is followed by Grange, which has an average six-month premium of $445.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1468 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dorchester drivers find the best deals.
Way's key takeaways about car insurance in Dorchester
The auto insurance costs in Dorchester fall around $394 for six
months.
The cheapest auto insurance company in Dorchester is Pekin.
Teen drivers pay the highest rate in Dorchester at $632 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 Dorchester
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 Dorchester are given below.
Pekin provides
the cheapest minimum car insurance
coverage in Dorchester. Their Average 6 Month Premium is $108.
West Bend is the most
expensive at $134 for the same
period.
Cheapest Full Coverage Car Insurance in Dorchester
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 Dorchester is West Bend Mutual
at $65 per month and $394
for six months.
Cheapest Full Coverage Car Insurance Quotes in Dorchester,
IA
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Average Car Insurance in Dorchester 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 Dorchester, IA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Dorchester, 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, Dorchester's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Dorchester
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Dorchester,IA
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Dorchester at $24
per
month. At $3718 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Dorchester.
As young drivers face the highest rates in Dorchester, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Dorchester,
Grange is
the cheapest car insurance provider. At $184 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
Dorchester is Grinnell Mutual, offering
rates of around $2257 for six
months.
Save up to $971/yr on car insurance rates in Dorchester.
Car Insurance Rates with An Accident in Dorchester
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 Dorchester, IA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Dorchester
The cheapest car insurance companies after an at-fault accident in
Dorchester include Hastings Mutual
and Pekin, offering $121
and $147,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2015.
Here is a list of driving violations that can increase your car
insurance rates in Dorchester IA. For example, the car
insurance in Dorchester
after a DUI increases to $762 for a six
month policy. While the rate increases by $108 for a six-month policy in the case of
a speeding ticket.
Dorchester auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$897
$150
One Med/PIP claim
$908
$154
Not-at-fault accident
$934
$156
One comp claim
$960
$164
Two Med/PIP claims
$985
$164
Child safety restraint
$1005
$171
Failure to show documents
$1005
$167
Failure to wear a seat belt
$1005
$171
Speeding 6 - 10 MPH over limit
$1005
$167
Two comp claims
$1005
$171
Driving without lights
$1010
$168
Driving with expired registration
$1036
$177
Failure to yield
$1036
$172
Illegal turn
$1036
$177
Failure to stop at a red light
$1042
$173
Wrong way/wrong lane
$1049
$179
Cell phone violation
$1055
$175
Driving too slowly
$1055
$180
Speeding 11 - 15 MPH over limit
$1055
$175
Texting while driving
$1055
$180
Speeding 16 - 20 MPH over limit
$1061
$177
Speeding in school zone
$1074
$183
Improper passing
$1081
$180
Following too closely
$1087
$185
At-fault accident - less than $1000
$1106
$184
Passing school bus
$1125
$192
Operating a vehicle without permission
$1182
$197
At-fault accident - $1000-$2000
$1202
$204
Speeding 21 - 25 MPH over limit
$1202
$200
At-fault accident - greater than $2000
$1208
$205
In 65 MPH zone
$1290
$215
Open container
$1360
$231
Racing
$1532
$256
Driving with a suspended license
$1563
$265
Reckless driving
$1602
$266
Refusal to submit to a chemical test
$1627
$277
DUI
$1659
$276
Leaving scene of an accident/hit and run
$1678
$286
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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 Dorchester 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 Dorchester.
The cheapest car insurance premiums in
Dorchester are
offered by Western National at $190 for a six-month policy.
However, it can be as
expensive as $2486 with companies
like Grinnell Mutual.
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 Dorchester are offered by Westfield
at $140. However,
it can be as expensive as $1627
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Dorchester after Speeding ticket
Car insurance rates in Dorchester have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Dorchester remained steady at $150 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Dorchester remained steady at $31 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Dorchester by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Dorchester. At $1495 for a
six-month policy, insuring
your car at 52140 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Dorchester?
The car insurance in Dorchester is $18 per month, which is lower than the national average.
What is the cheapest car insurance in Dorchester?
The cheapest car insurance in Dorchester
is $65 per month
for full coverage.
How much is car insurance in Dorchester for teenagers?
Car insurance for teenagers costs $140 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
Dorchester?
The average cost of car insurance is $699 for a six-month
policy. It will cost around $125 per month to insure your
car in Dorchester.
Is car insurance expensive in Dorchester?
Car insurance can be expensive in Dorchester if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Dorchester can be
affordable.
What is the best car insurance in Dorchester,
IA?
The best car insurance company in Dorchester
IA is
West Bend Mutual, offering $394 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Dorchester, IA
Car Insurance Rates by State in the USA (2025 Update)
Dorchester Car Insurance
