Cheapest Car Insurance Quotes in Gravity

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Gravity 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 Gravity

The car insurance rate in Gravity is $832 for a six-month policy, which is $133 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $438, making it a popular choice for budget-conscious drivers. Rates in Gravity 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 Gravity

$832

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in Gravity

1st place: West Bend Mutual

At $438 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 $495 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $524 for six months, making it the third cheapest auto insurance company in Gravity.

Gravity Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gravity, IA is West Bend Mutual, offering policies at just $438 for a six-month term. This is followed by Grange, which has an average six-month premium of $495.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1633 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gravity drivers find the best deals.

Cheap Car Insurance Companies in Gravity, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$438	$73
Grange	$495	$84
Travelers	$524	$88
Auto-Owners Insurance Co	$531	$90
Hastings Mutual	$544	$90
Westfield	$580	$99
IMT Insurance Company	$601	$100
State Farm	$714	$120
American Family	$735	$124
USAA	$784	$132
Pekin	$798	$133
Progressive	$806	$136
Auto-Owners	$976	$163
Farm Bureau Mutual (IA Group)	$983	$167
Farm Bureau	$1103	$183
Nationwide	$1308	$223
Grinnell Mutual	$1428	$238
Allstate	$1633	$275

Key Takeaways

Way's key takeaways about car insurance in Gravity

The auto insurance costs in Gravity fall around $438 for six months.
The cheapest auto insurance company in Gravity is Pekin.
Teen drivers pay the highest rate in Gravity at $703 per month.

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Cheapest Minimum Liability Car Insurance in Gravity

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 Gravity are given below.

Pekin provides the cheapest minimum car insurance coverage in Gravity. Their Average 6 Month Premium is $120. West Bend is the most expensive at $149 for the same period.

Cheapest Liability Coverage in Gravity, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$120	$20
Westfield	$127	$21
Hastings Mutual	$134	$23
Progressive	$142	$24
West Bend Mutual	$142	$24
USAA	$149	$25
Grange	$156	$26
State Farm	$156	$26
Farm Bureau Mutual (IA Group)	$170	$29
Auto-Owners Insurance Co	$177	$30
Iowa Farm Bureau	$190	$32
Travelers	$198	$33
Farm Bureau	$205	$35
American Family	$212	$36
Auto-Owners	$226	$38
Grinnell Mutual	$318	$54
Allstate	$466	$79
Nationwide	$495	$84
West Bend	$149	$25

Cheapest Full Coverage Car Insurance in Gravity

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 Gravity is West Bend Mutual at $73 per month and $438 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gravity, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$438	$73
Grange	$495	$84
Travelers	$524	$88
Auto-Owners Insurance Co	$531	$90
Hastings Mutual	$544	$90
Westfield	$580	$99
IMT Insurance Company	$601	$100
State Farm	$714	$120
American Family	$735	$124
USAA	$784	$132
Pekin	$798	$133
Progressive	$806	$136
Auto-Owners	$976	$163
Farm Bureau Mutual (IA Group)	$983	$167
Farm Bureau	$1103	$183
Nationwide	$1308	$223
Grinnell Mutual	$1428	$238
Allstate	$1633	$275

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Average Car Insurance in Gravity 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 Gravity, IA increasing?

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

Car Insurance Premiums by Age in Gravity

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 Gravity,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Gravity at $26 per month. At $4135 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$156	$26
Grange	$177	$30
West Bend Mutual	$190	$32
Iowa Farm Bureau	$219	$37
Travelers	$743	$125
USAA	$926	$156
Progressive	$1392	$234
State Farm	$1584	$267
American Family	$1873	$315
Farm Bureau	$2411	$402
Farm Bureau Mutual (IA Group)	$2651	$451
Auto-Owners	$2700	$450
Grinnell Mutual	$3209	$546
Allstate	$3534	$595
Nationwide	$4135	$703

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 Gravity, Grange is the cheapest car insurance provider. At $205 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 Gravity is Grinnell Mutual, offering rates of around $2510 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$205	$35
Westfield	$248	$42
West Bend Mutual	$255	$43
Travelers	$276	$46
Progressive	$798	$134
American Family	$919	$155
State Farm	$1710	$288
Nationwide	$1866	$318
Farm Bureau	$1902	$317
Allstate	$2474	$421
Auto-Owners	$2495	$415
Grinnell Mutual	$2510	$427

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Car Insurance Rates with An Accident in Gravity

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

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

The cheapest car insurance companies after an at-fault accident in Gravity include Hastings Mutual and Pekin, offering $134 and $163, respectively. Allstate is an expensive provider with an average six-month premium of $2241.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$134	$23
Pekin	$163	$27
Western National	$212	$36
Westfield	$212	$36
Grange	$240	$40
Auto-Owners Insurance Co	$248	$42
West Bend Mutual	$248	$42
State Farm	$516	$87
Travelers	$531	$89
Progressive	$750	$126
Grinnell Mutual	$848	$143
American Family	$976	$164
USAA	$1089	$181
Auto-Owners	$1279	$218
Farm Bureau Mutual (IA Group)	$1449	$242
Farm Bureau	$1796	$306
Nationwide	$2078	$346
Allstate	$2241	$377

Gravity Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gravity IA. For example, the car insurance in Gravity after a DUI increases to $848 for a six month policy. While the rate increases by $120 for a six-month policy in the case of a speeding ticket.

Gravity auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$997	$167
One Med/PIP claim	$1010	$171
Not-at-fault accident	$1039	$174
One comp claim	$1067	$182
Two Med/PIP claims	$1096	$182
Child safety restraint	$1117	$190
Failure to show documents	$1117	$186
Failure to wear a seat belt	$1117	$190
Speeding 6 - 10 MPH over limit	$1117	$186
Two comp claims	$1117	$190
Driving without lights	$1123	$187
Driving with expired registration	$1152	$196
Failure to yield	$1152	$192
Illegal turn	$1152	$196
Failure to stop at a red light	$1159	$193
Wrong way/wrong lane	$1166	$199
Cell phone violation	$1173	$195
Driving too slowly	$1173	$200
Speeding 11 - 15 MPH over limit	$1173	$195
Texting while driving	$1173	$200
Speeding 16 - 20 MPH over limit	$1180	$196
Speeding in school zone	$1195	$203
Improper passing	$1202	$200
Following too closely	$1209	$206
At-fault accident - less than $1000	$1230	$205
Passing school bus	$1251	$213
Operating a vehicle without permission	$1315	$219
At-fault accident - $1000-$2000	$1336	$227
Speeding 21 - 25 MPH over limit	$1336	$223
At-fault accident - greater than $2000	$1344	$228
In 65 MPH zone	$1435	$239
Open container	$1512	$257
Racing	$1704	$284
Driving with a suspended license	$1739	$295
Reckless driving	$1781	$296
Refusal to submit to a chemical test	$1810	$308
DUI	$1845	$307
Leaving scene of an accident/hit and run	$1866	$318

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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 Gravity 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 Gravity.

The cheapest car insurance premiums in Gravity are offered by Western National at $212 for a six-month policy. However, it can be as expensive as $2764 with companies like Grinnell Mutual.

Gravity car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$212	$36
Grange	$276	$46
Travelers	$276	$46
West Bend Mutual	$276	$46
Progressive	$531	$89
State Farm	$615	$104
American Family	$1010	$170
Allstate	$2171	$369
Auto-Owners	$2311	$386
Farm Bureau	$2411	$409
Nationwide	$2587	$431
Grinnell Mutual	$2764	$470

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 Gravity are offered by Westfield at $156. However, it can be as expensive as $1810 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Gravity after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$156	$26
West Bend Mutual	$183	$31
Western National	$212	$36
Iowa Farm Bureau	$233	$39
Travelers	$233	$39
Grange	$240	$40
State Farm	$403	$68
Progressive	$594	$100
American Family	$714	$120
Farm Bureau	$1351	$225
Grinnell Mutual	$1428	$243
Nationwide	$1640	$274
Auto-Owners	$1697	$288
Allstate	$1810	$301

Car Insurance Price Trends in Gravity, Iowa

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

The average cost of full coverage in the Gravity remained steady at $167 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Gravity remained steady at $35 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 Gravity?

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

What is the cheapest car insurance in Gravity?

The cheapest car insurance in Gravity is $73 per month for full coverage.

How much is car insurance in Gravity for teenagers?

Car insurance for teenagers costs $156 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 Gravity?

The average cost of car insurance is $699 for a six-month policy. It will cost around $139 per month to insure your car in Gravity.

Is car insurance expensive in Gravity?

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

Cheapest Car Insurance Quotes in Gravity

Why you can trust Way?

How Much Is Car Insurance in Gravity

Avg. Car Insurance in Gravity

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Gravity

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Gravity Car Insurance Rates by Company

Cheap Car Insurance Companies in Gravity, IA

Way's key takeaways about car insurance in Gravity

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Gravity

Cheapest Liability Coverage in Gravity, IA

Cheapest Full Coverage Car Insurance in Gravity

Cheapest Full Coverage Car Insurance Quotes in Gravity, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Gravity by Rating Factor

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

Car Insurance Premiums by Age in Gravity

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Gravity,IA

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

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 Gravity

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

Gravity Car Insurance Rates by Violation

Gravity auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Gravity after a DUI

Gravity car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Gravity after Speeding ticket

Car Insurance Price Trends in Gravity, Iowa

Average Car Insurance Cost in Gravity by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Gravity, IA

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

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