Cheapest Car Insurance Quotes in Larchwood

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Larchwood 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 Larchwood

The car insurance rate in Larchwood is $664 for a six-month policy, which is $35 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 Larchwood 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 Larchwood

$664

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in Larchwood

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 Larchwood.

Larchwood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Larchwood, 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, Allstate is the most expensive, with rates reaching $1303 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Larchwood drivers find the best deals.

Cheap Car Insurance Companies in Larchwood, 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
State Farm	$570	$96
American Family	$587	$99
USAA	$626	$105
Pekin	$637	$106
Progressive	$643	$108
Auto-Owners	$779	$130
Farm Bureau Mutual (IA Group)	$785	$133
Farm Bureau	$881	$146
Nationwide	$1044	$178
Grinnell Mutual	$1140	$190
Allstate	$1303	$219

Key Takeaways

Way's key takeaways about car insurance in Larchwood

The auto insurance costs in Larchwood fall around $350 for six months.
The cheapest auto insurance company in Larchwood is Pekin.
Teen drivers pay the highest rate in Larchwood at $561 per month.

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Cheapest Minimum Liability Car Insurance in Larchwood

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 Larchwood are given below.

Pekin provides the cheapest minimum car insurance coverage in Larchwood. Their Average 6 Month Premium is $96. West Bend is the most expensive at $119 for the same period.

Cheapest Liability Coverage in Larchwood, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$96	$16
Westfield	$102	$17
Hastings Mutual	$107	$18
Progressive	$113	$19
West Bend Mutual	$113	$19
USAA	$119	$20
Grange	$124	$21
State Farm	$124	$21
Farm Bureau Mutual (IA Group)	$136	$23
Auto-Owners Insurance Co	$142	$24
Iowa Farm Bureau	$152	$26
Travelers	$158	$27
Farm Bureau	$163	$28
American Family	$169	$29
Auto-Owners	$181	$30
Grinnell Mutual	$254	$43
Allstate	$372	$63
Nationwide	$395	$67
West Bend	$119	$20

Cheapest Full Coverage Car Insurance in Larchwood

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

Cheapest Full Coverage Car Insurance Quotes in Larchwood, 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
State Farm	$570	$96
American Family	$587	$99
USAA	$626	$105
Pekin	$637	$106
Progressive	$643	$108
Auto-Owners	$779	$130
Farm Bureau Mutual (IA Group)	$785	$133
Farm Bureau	$881	$146
Nationwide	$1044	$178
Grinnell Mutual	$1140	$190
Allstate	$1303	$219

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Average Car Insurance in Larchwood 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 Larchwood, IA increasing?

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

Car Insurance Premiums by Age in Larchwood

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 Larchwood,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Larchwood at $21 per month. At $3301 for a six-month premium, Nationwide 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
USAA	$739	$124
Progressive	$1112	$187
State Farm	$1264	$213
American Family	$1495	$252
Farm Bureau	$1925	$321
Farm Bureau Mutual (IA Group)	$2117	$360
Auto-Owners	$2156	$359
Grinnell Mutual	$2562	$436
Allstate	$2822	$475
Nationwide	$3301	$561

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 Larchwood, 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 Larchwood 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
Progressive	$637	$107
American Family	$733	$124
State Farm	$1365	$230
Nationwide	$1490	$254
Farm Bureau	$1518	$253
Allstate	$1975	$336
Auto-Owners	$1992	$332
Grinnell Mutual	$2004	$341

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Car Insurance Rates with An Accident in Larchwood

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

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

The cheapest car insurance companies after an at-fault accident in Larchwood include Hastings Mutual and Pekin, offering $107 and $130, respectively. Allstate is an expensive provider with an average six-month premium of $1789.

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
State Farm	$412	$69
Travelers	$424	$71
Progressive	$599	$101
Grinnell Mutual	$677	$114
American Family	$779	$131
USAA	$869	$144
Auto-Owners	$1021	$174
Farm Bureau Mutual (IA Group)	$1157	$193
Farm Bureau	$1434	$244
Nationwide	$1659	$276
Allstate	$1789	$301

Larchwood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Larchwood IA. For example, the car insurance in Larchwood 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.

Larchwood 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 Larchwood 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 Larchwood.

The cheapest car insurance premiums in Larchwood are offered by Western National at $169 for a six-month policy. However, it can be as expensive as $2207 with companies like Grinnell Mutual.

Larchwood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$169	$29
Grange	$220	$37
Travelers	$220	$37
West Bend Mutual	$220	$37
Progressive	$424	$71
State Farm	$491	$83
American Family	$807	$136
Allstate	$1733	$295
Auto-Owners	$1845	$308
Farm Bureau	$1925	$327
Nationwide	$2065	$344
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 Larchwood are offered by Westfield at $124. However, it can be as expensive as $1445 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Larchwood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$124	$21
West Bend Mutual	$146	$25
Western National	$169	$29
Iowa Farm Bureau	$186	$31
Travelers	$186	$31
Grange	$192	$32
State Farm	$322	$54
Progressive	$474	$80
American Family	$570	$96
Farm Bureau	$1078	$180
Grinnell Mutual	$1140	$194
Nationwide	$1309	$219
Auto-Owners	$1355	$230
Allstate	$1445	$240

Car Insurance Price Trends in Larchwood, Iowa

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

The average cost of full coverage in the Larchwood remained steady at $133 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Larchwood remained steady at $28 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 Larchwood?

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

What is the cheapest car insurance in Larchwood?

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

How much is car insurance in Larchwood 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 Larchwood?

The average cost of car insurance is $699 for a six-month policy. It will cost around $111 per month to insure your car in Larchwood.

Is car insurance expensive in Larchwood?

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

Cheapest Car Insurance Quotes in Larchwood

Why you can trust Way?

How Much Is Car Insurance in Larchwood

Avg. Car Insurance in Larchwood

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Larchwood

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Larchwood Car Insurance Rates by Company

Cheap Car Insurance Companies in Larchwood, IA

Way's key takeaways about car insurance in Larchwood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Larchwood

Cheapest Liability Coverage in Larchwood, IA

Cheapest Full Coverage Car Insurance in Larchwood

Cheapest Full Coverage Car Insurance Quotes in Larchwood, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Larchwood by Rating Factor

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

Car Insurance Premiums by Age in Larchwood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Larchwood,IA

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

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 Larchwood

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

Larchwood Car Insurance Rates by Violation

Larchwood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Larchwood after a DUI

Larchwood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Larchwood after Speeding ticket

Car Insurance Price Trends in Larchwood, Iowa

Average Car Insurance Cost in Larchwood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Larchwood, IA

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

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