Cheapest Car Insurance Quotes in Grimes

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Grimes Car Insurance

^$ 15

/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 Grimes

The car insurance rate in Grimes is $622 for a six-month policy, which is $77 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $328, making it a popular choice for budget-conscious drivers. Rates in Grimes 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 Grimes

$622

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in Grimes

1st place: West Bend Mutual

At $328 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 $370 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $392 for six months, making it the third cheapest auto insurance company in Grimes.

Grimes Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Grimes, IA is West Bend Mutual, offering policies at just $328 for a six-month term. This is followed by Grange, which has an average six-month premium of $370.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1221 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Grimes drivers find the best deals.

Cheap Car Insurance Companies in Grimes, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$328	$54
Grange	$370	$63
Travelers	$392	$66
Auto-Owners Insurance Co	$397	$68
Hastings Mutual	$407	$68
Westfield	$433	$74
IMT Insurance Company	$449	$75
State Farm	$534	$90
American Family	$550	$93
USAA	$587	$99
Pekin	$597	$100
Progressive	$603	$101
Auto-Owners	$730	$122
Farm Bureau Mutual (IA Group)	$735	$125
Farm Bureau	$825	$137
Nationwide	$978	$166
Grinnell Mutual	$1068	$178
Allstate	$1221	$206

Key Takeaways

Way's key takeaways about car insurance in Grimes

The auto insurance costs in Grimes fall around $328 for six months.
The cheapest auto insurance company in Grimes is Pekin.
Teen drivers pay the highest rate in Grimes at $526 per month.

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Cheapest Minimum Liability Car Insurance in Grimes

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 Grimes are given below.

Pekin provides the cheapest minimum car insurance coverage in Grimes. Their Average 6 Month Premium is $90. West Bend is the most expensive at $111 for the same period.

Cheapest Liability Coverage in Grimes, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$90	$15
Westfield	$95	$16
Hastings Mutual	$101	$17
Progressive	$106	$18
West Bend Mutual	$106	$18
USAA	$111	$19
Grange	$117	$20
State Farm	$117	$20
Farm Bureau Mutual (IA Group)	$127	$21
Auto-Owners Insurance Co	$133	$22
Iowa Farm Bureau	$142	$24
Travelers	$148	$25
Farm Bureau	$153	$26
American Family	$158	$27
Auto-Owners	$169	$28
Grinnell Mutual	$238	$40
Allstate	$349	$59
Nationwide	$370	$63
West Bend	$111	$19

Cheapest Full Coverage Car Insurance in Grimes

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 Grimes is West Bend Mutual at $54 per month and $328 for six months.

Cheapest Full Coverage Car Insurance Quotes in Grimes, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$328	$54
Grange	$370	$63
Travelers	$392	$66
Auto-Owners Insurance Co	$397	$68
Hastings Mutual	$407	$68
Westfield	$433	$74
IMT Insurance Company	$449	$75
State Farm	$534	$90
American Family	$550	$93
USAA	$587	$99
Pekin	$597	$100
Progressive	$603	$101
Auto-Owners	$730	$122
Farm Bureau Mutual (IA Group)	$735	$125
Farm Bureau	$825	$137
Nationwide	$978	$166
Grinnell Mutual	$1068	$178
Allstate	$1221	$206

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Average Car Insurance in Grimes 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 Grimes, IA increasing?

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

Car Insurance Premiums by Age in Grimes

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 Grimes,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Grimes at $20 per month. At $3093 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$117	$20
Grange	$133	$22
West Bend Mutual	$142	$24
Iowa Farm Bureau	$164	$28
Travelers	$555	$93
USAA	$692	$117
Progressive	$1041	$175
State Farm	$1185	$199
American Family	$1401	$236
Farm Bureau	$1803	$301
Farm Bureau Mutual (IA Group)	$1983	$337
Auto-Owners	$2019	$336
Grinnell Mutual	$2400	$409
Allstate	$2643	$445
Nationwide	$3093	$526

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 Grimes, Grange is the cheapest car insurance provider. At $153 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 Grimes is Grinnell Mutual, offering rates of around $1877 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$153	$26
Westfield	$185	$31
West Bend Mutual	$190	$32
Travelers	$206	$35
Progressive	$597	$101
American Family	$687	$116
State Farm	$1279	$215
Nationwide	$1396	$238
Farm Bureau	$1422	$237
Allstate	$1850	$315
Auto-Owners	$1866	$311
Grinnell Mutual	$1877	$320

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

Car Insurance Rates with An Accident in Grimes

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

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

The cheapest car insurance companies after an at-fault accident in Grimes include Hastings Mutual and Pekin, offering $101 and $122, respectively. Allstate is an expensive provider with an average six-month premium of $1676.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$101	$17
Pekin	$122	$20
Western National	$158	$27
Westfield	$158	$27
Grange	$180	$30
Auto-Owners Insurance Co	$185	$31
West Bend Mutual	$185	$31
State Farm	$386	$65
Travelers	$397	$67
Progressive	$561	$94
Grinnell Mutual	$635	$107
American Family	$730	$123
USAA	$814	$135
Auto-Owners	$957	$163
Farm Bureau Mutual (IA Group)	$1084	$181
Farm Bureau	$1343	$229
Nationwide	$1554	$259
Allstate	$1676	$282

Grimes Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Grimes IA. For example, the car insurance in Grimes after a DUI increases to $634 for a six month policy. While the rate increases by $90 for a six-month policy in the case of a speeding ticket.

Grimes auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$746	$125
One Med/PIP claim	$756	$128
Not-at-fault accident	$777	$130
One comp claim	$798	$136
Two Med/PIP claims	$820	$136
Child safety restraint	$836	$142
Failure to show documents	$836	$139
Failure to wear a seat belt	$836	$142
Speeding 6 - 10 MPH over limit	$836	$139
Two comp claims	$836	$142
Driving without lights	$840	$140
Driving with expired registration	$862	$147
Failure to yield	$862	$143
Illegal turn	$862	$147
Failure to stop at a red light	$867	$144
Wrong way/wrong lane	$872	$149
Cell phone violation	$878	$146
Driving too slowly	$878	$150
Speeding 11 - 15 MPH over limit	$878	$146
Texting while driving	$878	$150
Speeding 16 - 20 MPH over limit	$883	$147
Speeding in school zone	$894	$152
Improper passing	$899	$150
Following too closely	$904	$154
At-fault accident - less than $1000	$920	$153
Passing school bus	$935	$159
Operating a vehicle without permission	$983	$164
At-fault accident - $1000-$2000	$999	$170
Speeding 21 - 25 MPH over limit	$999	$166
At-fault accident - greater than $2000	$1005	$171
In 65 MPH zone	$1073	$179
Open container	$1131	$192
Racing	$1274	$213
Driving with a suspended license	$1300	$221
Reckless driving	$1332	$222
Refusal to submit to a chemical test	$1354	$231
DUI	$1380	$230
Leaving scene of an accident/hit and run	$1396	$238

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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 Grimes 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 Grimes.

The cheapest car insurance premiums in Grimes are offered by Western National at $158 for a six-month policy. However, it can be as expensive as $2067 with companies like Grinnell Mutual.

Grimes car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$158	$27
Grange	$206	$35
Travelers	$206	$35
West Bend Mutual	$206	$35
Progressive	$397	$67
State Farm	$460	$77
American Family	$756	$127
Allstate	$1623	$276
Auto-Owners	$1728	$288
Farm Bureau	$1803	$306
Nationwide	$1935	$322
Grinnell Mutual	$2067	$352

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 Grimes are offered by Westfield at $117. However, it can be as expensive as $1354 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Grimes after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$117	$20
West Bend Mutual	$137	$23
Western National	$158	$27
Iowa Farm Bureau	$174	$29
Travelers	$174	$29
Grange	$180	$30
State Farm	$302	$51
Progressive	$444	$75
American Family	$534	$90
Farm Bureau	$1010	$168
Grinnell Mutual	$1068	$182
Nationwide	$1226	$205
Auto-Owners	$1269	$215
Allstate	$1354	$225

Car Insurance Price Trends in Grimes, Iowa

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

The average cost of full coverage in the Grimes remained steady at $125 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Grimes remained steady at $26 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 Grimes?

The car insurance in Grimes is $15 per month, which is lower than the national average.

What is the cheapest car insurance in Grimes?

The cheapest car insurance in Grimes is $54 per month for full coverage.

How much is car insurance in Grimes for teenagers?

Car insurance for teenagers costs $117 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 Grimes?

The average cost of car insurance is $699 for a six-month policy. It will cost around $104 per month to insure your car in Grimes.

Is car insurance expensive in Grimes?

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

Cheapest Car Insurance Quotes in Grimes

Why you can trust Way?

How Much Is Car Insurance in Grimes

Avg. Car Insurance in Grimes

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Grimes

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Grimes Car Insurance Rates by Company

Cheap Car Insurance Companies in Grimes, IA

Way's key takeaways about car insurance in Grimes

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Grimes

Cheapest Liability Coverage in Grimes, IA

Cheapest Full Coverage Car Insurance in Grimes

Cheapest Full Coverage Car Insurance Quotes in Grimes, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Grimes by Rating Factor

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

Car Insurance Premiums by Age in Grimes

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Grimes,IA

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

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 Grimes

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

Grimes Car Insurance Rates by Violation

Grimes auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Grimes after a DUI

Grimes car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Grimes after Speeding ticket

Car Insurance Price Trends in Grimes, Iowa

Average Car Insurance Cost in Grimes by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Grimes, IA

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

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