Cheapest Car Insurance Quotes in Lineville

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Lineville Car Insurance

^$ 19

/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 Lineville

The car insurance rate in Lineville is $831 for a six-month policy, which is $76 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $405, making it a popular choice for budget-conscious drivers. Rates in Lineville 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 Lineville

$831

Avg. Car Insurance in Iowa

$755

National Average

$1278

Cheapest Car Insurance Companies in Lineville

1st place: West Bend Mutual

At $405 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 $458 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $484 for six months, making it the third cheapest auto insurance company in Lineville.

Lineville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lineville, IA is West Bend Mutual, offering policies at just $405 for a six-month term. This is followed by Grange, which has an average six-month premium of $458.

At the higher end of the spectrum, Grinnell Mutual is the most expensive, with rates reaching $1320 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lineville drivers find the best deals.

Cheap Car Insurance Companies in Lineville, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$405	$67
Grange	$458	$78
Travelers	$484	$81
Auto-Owners Insurance Co	$491	$84
Hastings Mutual	$503	$84
Westfield	$536	$91
IMT Insurance Company	$556	$92
American Family	$589	$99
State Farm	$725	$122
Pekin	$738	$125
Progressive	$745	$125
USAA	$751	$127
West Bend	$856	$143
Farm Bureau Mutual (IA Group)	$909	$154
IMT	$980	$164
Auto-Owners	$1111	$189
Farm Bureau	$1254	$209
Allstate	$1569	$264
Nationwide	$1647	$274
Grinnell Mutual	$1320	$220

Key Takeaways

Way's key takeaways about car insurance in Lineville

The auto insurance costs in Lineville fall around $405 for six months.
The cheapest auto insurance company in Lineville is Pekin.
Teen drivers pay the highest rate in Lineville at $505 per month.

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Cheapest Minimum Liability Car Insurance in Lineville

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 Lineville are given below.

Pekin provides the cheapest minimum car insurance coverage in Lineville. Their Average 6 Month Premium is $111. Grinnell Mutual is the most expensive at $294 for the same period.

Cheapest Liability Coverage in Lineville, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$111	$19
Westfield	$118	$20
Hastings Mutual	$124	$21
Progressive	$124	$21
West Bend Mutual	$131	$22
Grange	$144	$24
USAA	$151	$25
Farm Bureau Mutual (IA Group)	$157	$26
Auto-Owners Insurance Co	$164	$28
State Farm	$164	$28
Iowa Farm Bureau	$176	$30
IMT	$183	$31
Travelers	$183	$31
Farm Bureau	$209	$35
West Bend	$209	$35
American Family	$216	$36
Auto-Owners	$229	$39
Allstate	$431	$73
Nationwide	$516	$88
Grinnell Mutual	$294	$50

Cheapest Full Coverage Car Insurance in Lineville

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 Lineville is West Bend Mutual at $67 per month and $405 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lineville, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$405	$67
Grange	$458	$78
Travelers	$484	$81
Auto-Owners Insurance Co	$491	$84
Hastings Mutual	$503	$84
Westfield	$536	$91
IMT Insurance Company	$556	$92
American Family	$589	$99
State Farm	$725	$122
Pekin	$738	$125
Progressive	$745	$125
USAA	$751	$127
West Bend	$856	$143
Farm Bureau Mutual (IA Group)	$909	$154
IMT	$980	$164
Auto-Owners	$1111	$189
Farm Bureau	$1254	$209
Allstate	$1569	$264
Nationwide	$1647	$274
Grinnell Mutual	$1320	$220

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Average Car Insurance in Lineville 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 Lineville, IA increasing?

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

Car Insurance Premiums by Age in Lineville

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 Lineville,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Lineville at $24 per month. At $2967 for a six-month premium, Grinnell Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$144	$24
Grange	$164	$28
West Bend Mutual	$176	$30
Iowa Farm Bureau	$202	$34
Travelers	$686	$116
American Family	$974	$164
USAA	$1229	$207
Progressive	$1464	$246
State Farm	$1718	$289
IMT	$1778	$296
Farm Bureau Mutual (IA Group)	$2451	$417
West Bend	$2627	$438
Farm Bureau	$2679	$455
Auto-Owners	$2771	$462
Allstate	$3352	$564
Nationwide	$5221	$870
Grinnell Mutual	$2967	$505

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 Lineville, Grange is the cheapest car insurance provider. At $189 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 Lineville is Grinnell Mutual, offering rates of around $2320 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$189	$32
Westfield	$229	$39
West Bend Mutual	$235	$40
Travelers	$255	$43
American Family	$262	$44
Progressive	$725	$122
IMT	$1300	$217
USAA	$1385	$235
West Bend	$1522	$254
Farm Bureau	$2163	$367
State Farm	$2261	$381
Nationwide	$2345	$399
Allstate	$2463	$410
Auto-Owners	$2849	$484
Grinnell Mutual	$2320	$395

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Car Insurance Rates with An Accident in Lineville

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

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

The cheapest car insurance companies after an at-fault accident in Lineville include Hastings Mutual and Pekin, offering $124 and $151, respectively. Nationwide is an expensive provider with an average six-month premium of $2653.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$124	$21
Pekin	$151	$25
Western National	$196	$33
Westfield	$196	$33
Grange	$222	$37
Auto-Owners Insurance Co	$229	$39
West Bend Mutual	$229	$39
Grinnell Mutual	$242	$41
Travelers	$491	$83
State Farm	$549	$92
American Family	$627	$106
Progressive	$751	$127
USAA	$1071	$180
Farm Bureau Mutual (IA Group)	$1340	$228
Auto-Owners	$1438	$240
West Bend	$1438	$244
IMT	$1536	$256
Farm Bureau	$2038	$347
Allstate	$2163	$364
Nationwide	$2653	$451

Lineville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lineville IA. For example, the car insurance in Lineville after a DUI increases to $783 for a six month policy. While the rate increases by $111 for a six-month policy in the case of a speeding ticket.

Lineville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$922	$154
One Med/PIP claim	$934	$158
Not-at-fault accident	$960	$161
One comp claim	$987	$168
Two Med/PIP claims	$1013	$168
Child safety restraint	$1033	$176
Failure to show documents	$1033	$172
Failure to wear a seat belt	$1033	$176
Speeding 6 - 10 MPH over limit	$1033	$172
Two comp claims	$1033	$176
Driving without lights	$1038	$173
Driving with expired registration	$1065	$182
Failure to yield	$1065	$177
Illegal turn	$1065	$182
Failure to stop at a red light	$1071	$178
Wrong way/wrong lane	$1078	$184
Cell phone violation	$1085	$180
Driving too slowly	$1085	$185
Speeding 11 - 15 MPH over limit	$1085	$180
Texting while driving	$1085	$185
Speeding 16 - 20 MPH over limit	$1091	$182
Speeding in school zone	$1104	$188
Improper passing	$1111	$185
Following too closely	$1118	$190
At-fault accident - less than $1000	$1137	$189
Passing school bus	$1156	$197
Operating a vehicle without permission	$1216	$202
At-fault accident - $1000-$2000	$1235	$210
Speeding 21 - 25 MPH over limit	$1235	$206
At-fault accident - greater than $2000	$1242	$211
In 65 MPH zone	$1327	$221
Open container	$1398	$238
Racing	$1575	$263
Driving with a suspended license	$1607	$273
Reckless driving	$1647	$274
Refusal to submit to a chemical test	$1673	$285
DUI	$1705	$284
Leaving scene of an accident/hit and run	$1725	$294

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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 Lineville 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 Lineville.

The cheapest car insurance premiums in Lineville are offered by American Family at $189 for a six-month policy. However, it can be as expensive as $2555 with companies like Grinnell Mutual.

Lineville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$189	$32
Western National	$196	$33
Grange	$255	$43
Travelers	$255	$43
West Bend Mutual	$255	$43
Progressive	$706	$119
IMT	$1300	$217
USAA	$1385	$235
West Bend	$1522	$254
Farm Bureau	$2163	$367
State Farm	$2176	$366
Nationwide	$2345	$399
Allstate	$2463	$410
Auto-Owners	$2849	$484
Grinnell Mutual	$2555	$435

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 Lineville are offered by Westfield at $144. However, it can be as expensive as $1320 with companies like Grinnell Mutual for a similar six-month premium.

Cheapest Car Insurance in Lineville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$144	$24
West Bend Mutual	$169	$29
American Family	$189	$32
Western National	$196	$33
Iowa Farm Bureau	$216	$36
Travelers	$216	$36
Grange	$222	$37
State Farm	$516	$87
Progressive	$647	$109
USAA	$1000	$166
IMT	$1365	$232
Farm Bureau	$1536	$256
West Bend	$1725	$294
Allstate	$1803	$300
Auto-Owners	$1889	$321
Nationwide	$2078	$347
Grinnell Mutual	$1320	$224

Car Insurance Price Trends in Lineville, Iowa

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

The average cost of full coverage in the Lineville rose by $169 in January compared to $154 of December. In other words, there has been an increase by $15 when you compare January and December.

The average cost of liability insurance in the Lineville remained steady at $32 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 Lineville?

The car insurance in Lineville is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Lineville?

The cheapest car insurance in Lineville is $67 per month for full coverage.

How much is car insurance in Lineville for teenagers?

Car insurance for teenagers costs $144 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 Lineville?

The average cost of car insurance is $755 for a six-month policy. It will cost around $139 per month to insure your car in Lineville.

Is car insurance expensive in Lineville?

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

Cheapest Car Insurance Quotes in Lineville

Why you can trust Way?

How Much Is Car Insurance in Lineville

Avg. Car Insurance in Lineville

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Lineville

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Lineville Car Insurance Rates by Company

Cheap Car Insurance Companies in Lineville, IA

Way's key takeaways about car insurance in Lineville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lineville

Cheapest Liability Coverage in Lineville, IA

Cheapest Full Coverage Car Insurance in Lineville

Cheapest Full Coverage Car Insurance Quotes in Lineville, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lineville by Rating Factor

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

Car Insurance Premiums by Age in Lineville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lineville,IA

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

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 Lineville

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

Lineville Car Insurance Rates by Violation

Lineville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lineville after a DUI

Lineville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lineville after Speeding ticket

Car Insurance Price Trends in Lineville, Iowa

Average Car Insurance Cost in Lineville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lineville, IA

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

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