Featured in
406,175 Policies Sold
Hardy Car Insurance
/mo
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.
The car insurance rate in Hardy is $702 for a six-month policy, which is $53 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $342, making it a popular choice for budget-conscious drivers. Rates in Hardy 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 $342 for a six month policy, West Bend Mutual offers the cheapest auto insurance rates in the city.
Grange offers auto insurance rates at $387 for a six-month policy, making it one of the cheapest to insure with.
Travelers offers auto insurance rates at $409 for six months, making it the third cheapest auto insurance company in Hardy.
Based on our research, the cheapest car insurance company in Hardy, IA is West Bend Mutual, offering policies at just $342 for a six-month term. This is followed by Grange, which has an average six-month premium of $387.
At the higher end of the spectrum, Grinnell Mutual is the most expensive, with rates reaching $1116 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hardy drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| West Bend Mutual | $342 | $57 |
| Grange | $387 | $66 |
| Travelers | $409 | $69 |
| Auto-Owners Insurance Co | $415 | $71 |
| Hastings Mutual | $425 | $71 |
| Westfield | $453 | $77 |
| IMT Insurance Company | $470 | $78 |
| American Family | $498 | $84 |
| State Farm | $613 | $103 |
| Pekin | $624 | $106 |
| Progressive | $630 | $106 |
| USAA | $635 | $107 |
| West Bend | $724 | $121 |
| Farm Bureau Mutual (IA Group) | $768 | $130 |
| IMT | $829 | $139 |
| Auto-Owners | $939 | $160 |
| Farm Bureau | $1060 | $177 |
| Allstate | $1326 | $223 |
| Nationwide | $1392 | $232 |
| Grinnell Mutual | $1116 | $186 |
Save up to $971/yr with our auto insurance quotes
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 Hardy are given below.
Pekin provides the cheapest minimum car insurance coverage in Hardy. Their Average 6 Month Premium is $94. Grinnell Mutual is the most expensive at $248 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Pekin | $94 | $16 |
| Westfield | $100 | $17 |
| Hastings Mutual | $105 | $18 |
| Progressive | $105 | $18 |
| West Bend Mutual | $111 | $19 |
| Grange | $122 | $20 |
| USAA | $127 | $21 |
| Farm Bureau Mutual (IA Group) | $133 | $22 |
| Auto-Owners Insurance Co | $139 | $23 |
| State Farm | $139 | $23 |
| Iowa Farm Bureau | $149 | $25 |
| IMT | $154 | $26 |
| Travelers | $154 | $26 |
| Farm Bureau | $177 | $30 |
| West Bend | $177 | $30 |
| American Family | $182 | $31 |
| Auto-Owners | $193 | $33 |
| Allstate | $365 | $61 |
| Nationwide | $436 | $74 |
| Grinnell Mutual | $248 | $42 |
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 Hardy is West Bend Mutual at $57 per month and $342 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| West Bend Mutual | $342 | $57 |
| Grange | $387 | $66 |
| Travelers | $409 | $69 |
| Auto-Owners Insurance Co | $415 | $71 |
| Hastings Mutual | $425 | $71 |
| Westfield | $453 | $77 |
| IMT Insurance Company | $470 | $78 |
| American Family | $498 | $84 |
| State Farm | $613 | $103 |
| Pekin | $624 | $106 |
| Progressive | $630 | $106 |
| USAA | $635 | $107 |
| West Bend | $724 | $121 |
| Farm Bureau Mutual (IA Group) | $768 | $130 |
| IMT | $829 | $139 |
| Auto-Owners | $939 | $160 |
| Farm Bureau | $1060 | $177 |
| Allstate | $1326 | $223 |
| Nationwide | $1392 | $232 |
| Grinnell Mutual | $1116 | $186 |
Get Your Car Insurance Quote in Hardy Instantly!
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.
Despite maintaining a clean driving record, your car insurance rates in Hardy, 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, Hardy's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Hardy at $20 per month. At $2508 for a six-month premium, Grinnell Mutual offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $122 | $20 |
| Grange | $139 | $23 |
| West Bend Mutual | $149 | $25 |
| Iowa Farm Bureau | $171 | $29 |
| Travelers | $580 | $98 |
| American Family | $823 | $139 |
| USAA | $1039 | $175 |
| Progressive | $1238 | $208 |
| State Farm | $1453 | $245 |
| IMT | $1503 | $250 |
| Farm Bureau Mutual (IA Group) | $2072 | $352 |
| West Bend | $2221 | $370 |
| Farm Bureau | $2265 | $385 |
| Auto-Owners | $2343 | $391 |
| Allstate | $2834 | $477 |
| Nationwide | $4414 | $736 |
| Grinnell Mutual | $2508 | $427 |
Teen Car Insurance Rates in IA by Age
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.
For those with poor credit scores in Hardy, Grange is the cheapest car insurance provider. At $160 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 Hardy is Grinnell Mutual, offering rates of around $1961 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Grange | $160 | $27 |
| Westfield | $193 | $33 |
| West Bend Mutual | $199 | $33 |
| Travelers | $216 | $36 |
| American Family | $221 | $37 |
| Progressive | $613 | $103 |
| IMT | $1099 | $183 |
| USAA | $1171 | $199 |
| West Bend | $1287 | $215 |
| Farm Bureau | $1828 | $311 |
| State Farm | $1911 | $322 |
| Nationwide | $1983 | $338 |
| Allstate | $2082 | $347 |
| Auto-Owners | $2409 | $409 |
| Grinnell Mutual | $1961 | $334 |
Save up to $971/yr on car insurance rates in Hardy.
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 Hardy, IA, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Hardy include Hastings Mutual and Pekin, offering $105 and $127, respectively. Nationwide is an expensive provider with an average six-month premium of $2243.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Hastings Mutual | $105 | $18 |
| Pekin | $127 | $21 |
| Western National | $166 | $28 |
| Westfield | $166 | $28 |
| Grange | $188 | $32 |
| Auto-Owners Insurance Co | $193 | $33 |
| West Bend Mutual | $193 | $33 |
| Grinnell Mutual | $205 | $34 |
| Travelers | $415 | $70 |
| State Farm | $464 | $78 |
| American Family | $530 | $89 |
| Progressive | $635 | $107 |
| USAA | $906 | $153 |
| Farm Bureau Mutual (IA Group) | $1133 | $193 |
| Auto-Owners | $1216 | $203 |
| West Bend | $1216 | $206 |
| IMT | $1298 | $217 |
| Farm Bureau | $1723 | $293 |
| Allstate | $1828 | $308 |
| Nationwide | $2243 | $381 |
Here is a list of driving violations that can increase your car insurance rates in Hardy IA. For example, the car insurance in Hardy after a DUI increases to $663 for a six month policy. While the rate increases by $94 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $779 | $130 |
| One Med/PIP claim | $790 | $134 |
| Not-at-fault accident | $812 | $136 |
| One comp claim | $834 | $142 |
| Two Med/PIP claims | $857 | $142 |
| Child safety restraint | $873 | $149 |
| Failure to show documents | $873 | $145 |
| Failure to wear a seat belt | $873 | $149 |
| Speeding 6 - 10 MPH over limit | $873 | $145 |
| Two comp claims | $873 | $149 |
| Driving without lights | $878 | $146 |
| Driving with expired registration | $900 | $153 |
| Failure to yield | $900 | $150 |
| Illegal turn | $900 | $153 |
| Failure to stop at a red light | $906 | $151 |
| Wrong way/wrong lane | $911 | $155 |
| Cell phone violation | $917 | $153 |
| Driving too slowly | $917 | $156 |
| Speeding 11 - 15 MPH over limit | $917 | $153 |
| Texting while driving | $917 | $156 |
| Speeding 16 - 20 MPH over limit | $923 | $153 |
| Speeding in school zone | $934 | $159 |
| Improper passing | $939 | $156 |
| Following too closely | $945 | $161 |
| At-fault accident - less than $1000 | $962 | $160 |
| Passing school bus | $977 | $166 |
| Operating a vehicle without permission | $1028 | $171 |
| At-fault accident - $1000-$2000 | $1044 | $178 |
| Speeding 21 - 25 MPH over limit | $1044 | $174 |
| At-fault accident - greater than $2000 | $1050 | $179 |
| In 65 MPH zone | $1122 | $187 |
| Open container | $1182 | $201 |
| Racing | $1332 | $222 |
| Driving with a suspended license | $1359 | $231 |
| Reckless driving | $1392 | $232 |
| Refusal to submit to a chemical test | $1415 | $241 |
| DUI | $1442 | $240 |
| Leaving scene of an accident/hit and run | $1458 | $248 |
Get smarter car insurance rates in minutes today!
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.
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 Hardy.
The cheapest car insurance premiums in Hardy are offered by American Family at $160 for a six-month policy. However, it can be as expensive as $2160 with companies like Grinnell Mutual.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $160 | $27 |
| Western National | $166 | $28 |
| Grange | $216 | $36 |
| Travelers | $216 | $36 |
| West Bend Mutual | $216 | $36 |
| Progressive | $597 | $100 |
| IMT | $1099 | $183 |
| USAA | $1171 | $199 |
| West Bend | $1287 | $215 |
| Farm Bureau | $1828 | $311 |
| State Farm | $1840 | $310 |
| Nationwide | $1983 | $338 |
| Allstate | $2082 | $347 |
| Auto-Owners | $2409 | $409 |
| Grinnell Mutual | $2160 | $367 |
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 Hardy are offered by Westfield at $122. However, it can be as expensive as $1116 with companies like Grinnell Mutual for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $122 | $20 |
| West Bend Mutual | $143 | $24 |
| American Family | $160 | $27 |
| Western National | $166 | $28 |
| Iowa Farm Bureau | $182 | $31 |
| Travelers | $182 | $31 |
| Grange | $188 | $32 |
| State Farm | $436 | $73 |
| Progressive | $547 | $92 |
| USAA | $845 | $140 |
| IMT | $1154 | $196 |
| Farm Bureau | $1298 | $217 |
| West Bend | $1458 | $248 |
| Allstate | $1524 | $254 |
| Auto-Owners | $1597 | $272 |
| Nationwide | $1757 | $293 |
| Grinnell Mutual | $1116 | $190 |
Car insurance rates in Hardy have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Hardy rose by $143 in January compared to $130 of December. In other words, there has been an increase by $13 when you compare January and December.
The average cost of liability insurance in the Hardy remained steady at $27 in both January and December, indicating no change over the two month period.
How much is car insurance in Hardy?
The car insurance in Hardy is $16 per month, which is lower than the national average.
What is the cheapest car insurance in Hardy?
The cheapest car insurance in Hardy is $57 per month for full coverage.
How much is car insurance in Hardy for teenagers?
Car insurance for teenagers costs $122 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 Hardy?
The average cost of car insurance is $755 for a six-month policy. It will cost around $117 per month to insure your car in Hardy.
Is car insurance expensive in Hardy?
Car insurance can be expensive in Hardy if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Hardy can be affordable.
What is the best car insurance in Hardy, IA?
The best car insurance company in Hardy IA is West Bend Mutual, offering $342 for a six-month policy.
Cut auto insurance costs in Hardy right now.