Cheapest Car Insurance Quotes in Kirkman

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Kirkman Car Insurance

^$ 18

/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 Kirkman

The car insurance rate in Kirkman is $720 for a six-month policy, which is $21 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $379, making it a popular choice for budget-conscious drivers. Rates in Kirkman 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 Kirkman

$720

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in Kirkman

1st place: West Bend Mutual

At $379 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 $428 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $453 for six months, making it the third cheapest auto insurance company in Kirkman.

Kirkman Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kirkman, IA is West Bend Mutual, offering policies at just $379 for a six-month term. This is followed by Grange, which has an average six-month premium of $428.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1413 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kirkman drivers find the best deals.

Cheap Car Insurance Companies in Kirkman, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$379	$63
Grange	$428	$73
Travelers	$453	$76
Auto-Owners Insurance Co	$459	$78
Hastings Mutual	$471	$78
Westfield	$502	$85
IMT Insurance Company	$520	$87
State Farm	$618	$104
American Family	$637	$107
USAA	$679	$114
Pekin	$691	$115
Progressive	$697	$117
Auto-Owners	$845	$141
Farm Bureau Mutual (IA Group)	$851	$144
Farm Bureau	$955	$159
Nationwide	$1132	$193
Grinnell Mutual	$1236	$206
Allstate	$1413	$238

Key Takeaways

Way's key takeaways about car insurance in Kirkman

The auto insurance costs in Kirkman fall around $379 for six months.
The cheapest auto insurance company in Kirkman is Pekin.
Teen drivers pay the highest rate in Kirkman at $609 per month.

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Cheapest Minimum Liability Car Insurance in Kirkman

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 Kirkman are given below.

Pekin provides the cheapest minimum car insurance coverage in Kirkman. Their Average 6 Month Premium is $104. West Bend is the most expensive at $129 for the same period.

Cheapest Liability Coverage in Kirkman, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$104	$18
Westfield	$110	$19
Hastings Mutual	$116	$20
Progressive	$123	$21
West Bend Mutual	$123	$21
USAA	$129	$22
Grange	$135	$23
State Farm	$135	$23
Farm Bureau Mutual (IA Group)	$147	$25
Auto-Owners Insurance Co	$153	$26
Iowa Farm Bureau	$165	$28
Travelers	$171	$29
Farm Bureau	$177	$30
American Family	$183	$31
Auto-Owners	$196	$33
Grinnell Mutual	$275	$46
Allstate	$404	$68
Nationwide	$428	$73
West Bend	$129	$22

Cheapest Full Coverage Car Insurance in Kirkman

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 Kirkman is West Bend Mutual at $63 per month and $379 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kirkman, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$379	$63
Grange	$428	$73
Travelers	$453	$76
Auto-Owners Insurance Co	$459	$78
Hastings Mutual	$471	$78
Westfield	$502	$85
IMT Insurance Company	$520	$87
State Farm	$618	$104
American Family	$637	$107
USAA	$679	$114
Pekin	$691	$115
Progressive	$697	$117
Auto-Owners	$845	$141
Farm Bureau Mutual (IA Group)	$851	$144
Farm Bureau	$955	$159
Nationwide	$1132	$193
Grinnell Mutual	$1236	$206
Allstate	$1413	$238

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Average Car Insurance in Kirkman 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 Kirkman, IA increasing?

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

Car Insurance Premiums by Age in Kirkman

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 Kirkman,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Kirkman at $23 per month. At $3579 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$135	$23
Grange	$153	$26
West Bend Mutual	$165	$28
Iowa Farm Bureau	$190	$32
Travelers	$643	$108
USAA	$801	$135
Progressive	$1205	$203
State Farm	$1371	$231
American Family	$1621	$273
Farm Bureau	$2087	$348
Farm Bureau Mutual (IA Group)	$2295	$390
Auto-Owners	$2337	$389
Grinnell Mutual	$2778	$473
Allstate	$3059	$515
Nationwide	$3579	$609

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 Kirkman, Grange is the cheapest car insurance provider. At $177 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 Kirkman is Grinnell Mutual, offering rates of around $2172 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$177	$30
Westfield	$214	$36
West Bend Mutual	$220	$37
Travelers	$239	$40
Progressive	$691	$116
American Family	$795	$134
State Farm	$1480	$249
Nationwide	$1615	$275
Farm Bureau	$1646	$274
Allstate	$2141	$365
Auto-Owners	$2160	$359
Grinnell Mutual	$2172	$370

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Car Insurance Rates with An Accident in Kirkman

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

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

The cheapest car insurance companies after an at-fault accident in Kirkman include Hastings Mutual and Pekin, offering $116 and $141, respectively. Allstate is an expensive provider with an average six-month premium of $1939.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$116	$20
Pekin	$141	$24
Western National	$183	$31
Westfield	$183	$31
Grange	$208	$35
Auto-Owners Insurance Co	$214	$36
West Bend Mutual	$214	$36
State Farm	$447	$75
Travelers	$459	$77
Progressive	$649	$109
Grinnell Mutual	$734	$124
American Family	$845	$142
USAA	$942	$157
Auto-Owners	$1107	$188
Farm Bureau Mutual (IA Group)	$1255	$209
Farm Bureau	$1554	$265
Nationwide	$1798	$300
Allstate	$1939	$327

Kirkman Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Kirkman IA. For example, the car insurance in Kirkman after a DUI increases to $734 for a six month policy. While the rate increases by $104 for a six-month policy in the case of a speeding ticket.

Kirkman auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$863	$144
One Med/PIP claim	$874	$148
Not-at-fault accident	$899	$150
One comp claim	$924	$158
Two Med/PIP claims	$949	$158
Child safety restraint	$967	$165
Failure to show documents	$967	$161
Failure to wear a seat belt	$967	$165
Speeding 6 - 10 MPH over limit	$967	$161
Two comp claims	$967	$165
Driving without lights	$972	$162
Driving with expired registration	$997	$170
Failure to yield	$997	$166
Illegal turn	$997	$170
Failure to stop at a red light	$1003	$167
Wrong way/wrong lane	$1009	$172
Cell phone violation	$1016	$169
Driving too slowly	$1016	$173
Speeding 11 - 15 MPH over limit	$1016	$169
Texting while driving	$1016	$173
Speeding 16 - 20 MPH over limit	$1022	$170
Speeding in school zone	$1034	$176
Improper passing	$1040	$173
Following too closely	$1046	$178
At-fault accident - less than $1000	$1065	$177
Passing school bus	$1083	$184
Operating a vehicle without permission	$1138	$190
At-fault accident - $1000-$2000	$1157	$197
Speeding 21 - 25 MPH over limit	$1157	$193
At-fault accident - greater than $2000	$1163	$198
In 65 MPH zone	$1242	$207
Open container	$1309	$222
Racing	$1475	$246
Driving with a suspended license	$1505	$255
Reckless driving	$1542	$256
Refusal to submit to a chemical test	$1567	$267
DUI	$1597	$266
Leaving scene of an accident/hit and run	$1615	$275

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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 Kirkman 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 Kirkman.

The cheapest car insurance premiums in Kirkman are offered by Western National at $183 for a six-month policy. However, it can be as expensive as $2393 with companies like Grinnell Mutual.

Kirkman car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$183	$31
Grange	$239	$40
Travelers	$239	$40
West Bend Mutual	$239	$40
Progressive	$459	$77
State Farm	$533	$90
American Family	$874	$147
Allstate	$1879	$319
Auto-Owners	$2000	$334
Farm Bureau	$2087	$354
Nationwide	$2239	$373
Grinnell Mutual	$2393	$407

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 Kirkman are offered by Westfield at $135. However, it can be as expensive as $1567 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Kirkman after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$135	$23
West Bend Mutual	$159	$27
Western National	$183	$31
Iowa Farm Bureau	$202	$34
Travelers	$202	$34
Grange	$208	$35
State Farm	$349	$59
Progressive	$514	$87
American Family	$618	$104
Farm Bureau	$1169	$195
Grinnell Mutual	$1236	$210
Nationwide	$1419	$237
Auto-Owners	$1469	$249
Allstate	$1567	$261

Car Insurance Price Trends in Kirkman, Iowa

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

The average cost of full coverage in the Kirkman remained steady at $144 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Kirkman remained steady at $30 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 Kirkman?

The car insurance in Kirkman is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Kirkman?

The cheapest car insurance in Kirkman is $63 per month for full coverage.

How much is car insurance in Kirkman for teenagers?

Car insurance for teenagers costs $135 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 Kirkman?

The average cost of car insurance is $699 for a six-month policy. It will cost around $121 per month to insure your car in Kirkman.

Is car insurance expensive in Kirkman?

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

Cheapest Car Insurance Quotes in Kirkman

Why you can trust Way?

How Much Is Car Insurance in Kirkman

Avg. Car Insurance in Kirkman

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Kirkman

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Kirkman Car Insurance Rates by Company

Cheap Car Insurance Companies in Kirkman, IA

Way's key takeaways about car insurance in Kirkman

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Kirkman

Cheapest Liability Coverage in Kirkman, IA

Cheapest Full Coverage Car Insurance in Kirkman

Cheapest Full Coverage Car Insurance Quotes in Kirkman, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Kirkman by Rating Factor

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

Car Insurance Premiums by Age in Kirkman

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Kirkman,IA

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

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 Kirkman

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

Kirkman Car Insurance Rates by Violation

Kirkman auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Kirkman after a DUI

Kirkman car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Kirkman after Speeding ticket

Car Insurance Price Trends in Kirkman, Iowa

Average Car Insurance Cost in Kirkman by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Kirkman, IA

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

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