Cheapest Car Insurance Quotes in Harris

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406,175 Policies Sold

Harris 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 Harris

The car insurance rate in Harris is $717 for a six-month policy, which is $38 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $350, making it a popular choice for budget-conscious drivers. Rates in Harris 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 Harris

$717

Avg. Car Insurance in Iowa

$755

National Average

$1278

Cheapest Car Insurance Companies in Harris

1st place: West Bend Mutual

At $350 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 $395 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $418 for six months, making it the third cheapest auto insurance company in Harris.

Harris Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Harris, IA is West Bend Mutual, offering policies at just $350 for a six-month term. This is followed by Grange, which has an average six-month premium of $395.

At the higher end of the spectrum, Grinnell Mutual is the most expensive, with rates reaching $1140 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Harris drivers find the best deals.

Cheap Car Insurance Companies in Harris, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$350	$58
Grange	$395	$67
Travelers	$418	$70
Auto-Owners Insurance Co	$424	$72
Hastings Mutual	$434	$72
Westfield	$463	$79
IMT Insurance Company	$480	$80
American Family	$508	$86
State Farm	$626	$105
Pekin	$637	$108
Progressive	$643	$108
USAA	$649	$109
West Bend	$739	$124
Farm Bureau Mutual (IA Group)	$785	$133
IMT	$846	$142
Auto-Owners	$960	$163
Farm Bureau	$1083	$181
Allstate	$1355	$228
Nationwide	$1422	$237
Grinnell Mutual	$1140	$190

Key Takeaways

Way's key takeaways about car insurance in Harris

The auto insurance costs in Harris fall around $350 for six months.
The cheapest auto insurance company in Harris is Pekin.
Teen drivers pay the highest rate in Harris at $436 per month.

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Cheapest Minimum Liability Car Insurance in Harris

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 Harris are given below.

Pekin provides the cheapest minimum car insurance coverage in Harris. Their Average 6 Month Premium is $96. Grinnell Mutual is the most expensive at $254 for the same period.

Cheapest Liability Coverage in Harris, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$96	$16
Westfield	$102	$17
Hastings Mutual	$107	$18
Progressive	$107	$18
West Bend Mutual	$113	$19
Grange	$124	$21
USAA	$130	$22
Farm Bureau Mutual (IA Group)	$136	$23
Auto-Owners Insurance Co	$142	$24
State Farm	$142	$24
Iowa Farm Bureau	$152	$26
IMT	$158	$27
Travelers	$158	$27
Farm Bureau	$181	$30
West Bend	$181	$30
American Family	$186	$31
Auto-Owners	$198	$33
Allstate	$372	$63
Nationwide	$446	$76
Grinnell Mutual	$254	$43

Cheapest Full Coverage Car Insurance in Harris

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 Harris is West Bend Mutual at $58 per month and $350 for six months.

Cheapest Full Coverage Car Insurance Quotes in Harris, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$350	$58
Grange	$395	$67
Travelers	$418	$70
Auto-Owners Insurance Co	$424	$72
Hastings Mutual	$434	$72
Westfield	$463	$79
IMT Insurance Company	$480	$80
American Family	$508	$86
State Farm	$626	$105
Pekin	$637	$108
Progressive	$643	$108
USAA	$649	$109
West Bend	$739	$124
Farm Bureau Mutual (IA Group)	$785	$133
IMT	$846	$142
Auto-Owners	$960	$163
Farm Bureau	$1083	$181
Allstate	$1355	$228
Nationwide	$1422	$237
Grinnell Mutual	$1140	$190

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Average Car Insurance in Harris 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 Harris, IA increasing?

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

Car Insurance Premiums by Age in Harris

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 Harris,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Harris at $21 per month. At $2562 for a six-month premium, Grinnell Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$124	$21
Grange	$142	$24
West Bend Mutual	$152	$26
Iowa Farm Bureau	$175	$29
Travelers	$593	$100
American Family	$841	$142
USAA	$1061	$179
Progressive	$1264	$213
State Farm	$1484	$250
IMT	$1535	$256
Farm Bureau Mutual (IA Group)	$2117	$360
West Bend	$2269	$378
Farm Bureau	$2313	$393
Auto-Owners	$2393	$399
Allstate	$2895	$487
Nationwide	$4509	$751
Grinnell Mutual	$2562	$436

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 Harris, Grange is the cheapest car insurance provider. At $163 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 Harris is Grinnell Mutual, offering rates of around $2004 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$163	$28
Westfield	$198	$33
West Bend Mutual	$203	$34
Travelers	$220	$37
American Family	$226	$38
Progressive	$626	$105
IMT	$1123	$187
USAA	$1196	$203
West Bend	$1315	$219
Farm Bureau	$1868	$317
State Farm	$1952	$329
Nationwide	$2025	$345
Allstate	$2127	$354
Auto-Owners	$2461	$418
Grinnell Mutual	$2004	$341

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

Car Insurance Rates with An Accident in Harris

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

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

The cheapest car insurance companies after an at-fault accident in Harris include Hastings Mutual and Pekin, offering $107 and $130, respectively. Nationwide is an expensive provider with an average six-month premium of $2291.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$107	$18
Pekin	$130	$22
Western National	$169	$29
Westfield	$169	$29
Grange	$192	$32
Auto-Owners Insurance Co	$198	$33
West Bend Mutual	$198	$33
Grinnell Mutual	$209	$35
Travelers	$424	$71
State Farm	$474	$80
American Family	$542	$91
Progressive	$649	$109
USAA	$925	$156
Farm Bureau Mutual (IA Group)	$1157	$197
Auto-Owners	$1242	$207
West Bend	$1242	$211
IMT	$1326	$221
Farm Bureau	$1760	$299
Allstate	$1868	$314
Nationwide	$2291	$390

Harris Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Harris IA. For example, the car insurance in Harris after a DUI increases to $677 for a six month policy. While the rate increases by $96 for a six-month policy in the case of a speeding ticket.

Harris auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$796	$133
One Med/PIP claim	$807	$137
Not-at-fault accident	$829	$139
One comp claim	$852	$145
Two Med/PIP claims	$875	$145
Child safety restraint	$892	$152
Failure to show documents	$892	$148
Failure to wear a seat belt	$892	$152
Speeding 6 - 10 MPH over limit	$892	$148
Two comp claims	$892	$152
Driving without lights	$897	$149
Driving with expired registration	$920	$157
Failure to yield	$920	$153
Illegal turn	$920	$157
Failure to stop at a red light	$925	$154
Wrong way/wrong lane	$931	$159
Cell phone violation	$937	$156
Driving too slowly	$937	$160
Speeding 11 - 15 MPH over limit	$937	$156
Texting while driving	$937	$160
Speeding 16 - 20 MPH over limit	$942	$157
Speeding in school zone	$954	$162
Improper passing	$960	$160
Following too closely	$965	$164
At-fault accident - less than $1000	$982	$163
Passing school bus	$998	$170
Operating a vehicle without permission	$1050	$175
At-fault accident - $1000-$2000	$1067	$181
Speeding 21 - 25 MPH over limit	$1067	$178
At-fault accident - greater than $2000	$1073	$182
In 65 MPH zone	$1146	$191
Open container	$1207	$205
Racing	$1360	$227
Driving with a suspended license	$1388	$236
Reckless driving	$1422	$237
Refusal to submit to a chemical test	$1445	$246
DUI	$1473	$245
Leaving scene of an accident/hit and run	$1490	$254

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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 Harris 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 Harris.

The cheapest car insurance premiums in Harris are offered by American Family at $163 for a six-month policy. However, it can be as expensive as $2207 with companies like Grinnell Mutual.

Harris car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$163	$28
Western National	$169	$29
Grange	$220	$37
Travelers	$220	$37
West Bend Mutual	$220	$37
Progressive	$610	$103
IMT	$1123	$187
USAA	$1196	$203
West Bend	$1315	$219
Farm Bureau	$1868	$317
State Farm	$1879	$316
Nationwide	$2025	$345
Allstate	$2127	$354
Auto-Owners	$2461	$418
Grinnell Mutual	$2207	$375

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 Harris are offered by Westfield at $124. However, it can be as expensive as $1140 with companies like Grinnell Mutual for a similar six-month premium.

Cheapest Car Insurance in Harris after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$124	$21
West Bend Mutual	$146	$25
American Family	$163	$28
Western National	$169	$29
Iowa Farm Bureau	$186	$31
Travelers	$186	$31
Grange	$192	$32
State Farm	$446	$75
Progressive	$559	$94
USAA	$864	$143
IMT	$1179	$200
Farm Bureau	$1326	$221
West Bend	$1490	$254
Allstate	$1557	$259
Auto-Owners	$1631	$277
Nationwide	$1795	$299
Grinnell Mutual	$1140	$194

Car Insurance Price Trends in Harris, Iowa

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

The average cost of full coverage in the Harris rose by $146 in January compared to $133 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 Harris remained steady at $28 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Harris?

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

What is the cheapest car insurance in Harris?

The cheapest car insurance in Harris is $58 per month for full coverage.

How much is car insurance in Harris for teenagers?

Car insurance for teenagers costs $124 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 Harris?

The average cost of car insurance is $755 for a six-month policy. It will cost around $120 per month to insure your car in Harris.

Is car insurance expensive in Harris?

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

Cheapest Car Insurance Quotes in Harris

Why you can trust Way?

How Much Is Car Insurance in Harris

Avg. Car Insurance in Harris

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Harris

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Harris Car Insurance Rates by Company

Cheap Car Insurance Companies in Harris, IA

Way's key takeaways about car insurance in Harris

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Harris

Cheapest Liability Coverage in Harris, IA

Cheapest Full Coverage Car Insurance in Harris

Cheapest Full Coverage Car Insurance Quotes in Harris, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Harris by Rating Factor

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

Car Insurance Premiums by Age in Harris

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Harris,IA

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

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 Harris

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

Harris Car Insurance Rates by Violation

Harris auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Harris after a DUI

Harris car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Harris after Speeding ticket

Car Insurance Price Trends in Harris, Iowa

Average Car Insurance Cost in Harris by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Harris, IA

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

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