Cheapest Car Insurance Quotes in Mason City

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Mason City Car Insurance

^$ 15

/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 Mason City

The car insurance rate in Mason City is $629 for a six-month policy, which is $70 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $331, making it a popular choice for budget-conscious drivers. Rates in Mason City 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 Mason City

$629

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in Mason City

1st place: West Bend Mutual

At $331 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 $374 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $396 for six months, making it the third cheapest auto insurance company in Mason City.

Mason City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mason City, IA is West Bend Mutual, offering policies at just $331 for a six-month term. This is followed by Grange, which has an average six-month premium of $374.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1235 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mason City drivers find the best deals.

Cheap Car Insurance Companies in Mason City, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$331	$55
Grange	$374	$64
Travelers	$396	$67
Auto-Owners Insurance Co	$401	$68
Hastings Mutual	$411	$68
Westfield	$438	$75
IMT Insurance Company	$455	$76
State Farm	$540	$91
American Family	$556	$94
USAA	$593	$100
Pekin	$604	$101
Progressive	$609	$103
Auto-Owners	$738	$123
Farm Bureau Mutual (IA Group)	$743	$126
Farm Bureau	$834	$139
Nationwide	$989	$168
Grinnell Mutual	$1080	$180
Allstate	$1235	$208

Key Takeaways

Way's key takeaways about car insurance in Mason City

The auto insurance costs in Mason City fall around $331 for six months.
The cheapest auto insurance company in Mason City is Pekin.
Teen drivers pay the highest rate in Mason City at $532 per month.

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Cheapest Minimum Liability Car Insurance in Mason City

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 Mason City are given below.

Pekin provides the cheapest minimum car insurance coverage in Mason City. Their Average 6 Month Premium is $91. West Bend is the most expensive at $113 for the same period.

Cheapest Liability Coverage in Mason City, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$91	$15
Westfield	$96	$16
Hastings Mutual	$102	$17
Progressive	$107	$18
West Bend Mutual	$107	$18
USAA	$113	$19
Grange	$118	$20
State Farm	$118	$20
Farm Bureau Mutual (IA Group)	$129	$22
Auto-Owners Insurance Co	$134	$23
Iowa Farm Bureau	$144	$24
Travelers	$149	$25
Farm Bureau	$155	$26
American Family	$160	$27
Auto-Owners	$171	$29
Grinnell Mutual	$240	$41
Allstate	$353	$59
Nationwide	$374	$64
West Bend	$113	$19

Cheapest Full Coverage Car Insurance in Mason City

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 Mason City is West Bend Mutual at $55 per month and $331 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mason City, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$331	$55
Grange	$374	$64
Travelers	$396	$67
Auto-Owners Insurance Co	$401	$68
Hastings Mutual	$411	$68
Westfield	$438	$75
IMT Insurance Company	$455	$76
State Farm	$540	$91
American Family	$556	$94
USAA	$593	$100
Pekin	$604	$101
Progressive	$609	$103
Auto-Owners	$738	$123
Farm Bureau Mutual (IA Group)	$743	$126
Farm Bureau	$834	$139
Nationwide	$989	$168
Grinnell Mutual	$1080	$180
Allstate	$1235	$208

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Average Car Insurance in Mason City 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 Mason City, IA increasing?

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

Car Insurance Premiums by Age in Mason City

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 Mason City,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Mason City at $20 per month. At $3128 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$118	$20
Grange	$134	$23
West Bend Mutual	$144	$24
Iowa Farm Bureau	$166	$28
Travelers	$562	$95
USAA	$700	$118
Progressive	$1053	$177
State Farm	$1198	$202
American Family	$1417	$239
Farm Bureau	$1823	$304
Farm Bureau Mutual (IA Group)	$2005	$341
Auto-Owners	$2042	$340
Grinnell Mutual	$2427	$413
Allstate	$2673	$450
Nationwide	$3128	$532

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 Mason City, Grange is the cheapest car insurance provider. At $155 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 Mason City is Grinnell Mutual, offering rates of around $1898 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$155	$26
Westfield	$187	$32
West Bend Mutual	$193	$32
Travelers	$209	$35
Progressive	$604	$102
American Family	$695	$117
State Farm	$1293	$218
Nationwide	$1411	$240
Farm Bureau	$1438	$239
Allstate	$1871	$319
Auto-Owners	$1887	$314
Grinnell Mutual	$1898	$323

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Car Insurance Rates with An Accident in Mason City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Mason City

The cheapest car insurance companies after an at-fault accident in Mason City include Hastings Mutual and Pekin, offering $102 and $123, respectively. Allstate is an expensive provider with an average six-month premium of $1695.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$102	$17
Pekin	$123	$21
Western National	$160	$27
Westfield	$160	$27
Grange	$182	$31
Auto-Owners Insurance Co	$187	$32
West Bend Mutual	$187	$32
State Farm	$391	$66
Travelers	$401	$68
Progressive	$567	$95
Grinnell Mutual	$642	$108
American Family	$738	$124
USAA	$824	$137
Auto-Owners	$968	$165
Farm Bureau Mutual (IA Group)	$1096	$183
Farm Bureau	$1358	$231
Nationwide	$1571	$262
Allstate	$1695	$285

Mason City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mason City IA. For example, the car insurance in Mason City after a DUI increases to $641 for a six month policy. While the rate increases by $91 for a six-month policy in the case of a speeding ticket.

Mason City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$754	$126
One Med/PIP claim	$764	$130
Not-at-fault accident	$786	$131
One comp claim	$807	$138
Two Med/PIP claims	$829	$138
Child safety restraint	$845	$144
Failure to show documents	$845	$140
Failure to wear a seat belt	$845	$144
Speeding 6 - 10 MPH over limit	$845	$140
Two comp claims	$845	$144
Driving without lights	$850	$141
Driving with expired registration	$871	$149
Failure to yield	$871	$145
Illegal turn	$871	$149
Failure to stop at a red light	$877	$146
Wrong way/wrong lane	$882	$150
Cell phone violation	$887	$148
Driving too slowly	$887	$151
Speeding 11 - 15 MPH over limit	$887	$148
Texting while driving	$887	$151
Speeding 16 - 20 MPH over limit	$893	$149
Speeding in school zone	$904	$154
Improper passing	$909	$151
Following too closely	$914	$156
At-fault accident - less than $1000	$931	$155
Passing school bus	$946	$161
Operating a vehicle without permission	$995	$166
At-fault accident - $1000-$2000	$1011	$172
Speeding 21 - 25 MPH over limit	$1011	$168
At-fault accident - greater than $2000	$1016	$173
In 65 MPH zone	$1085	$181
Open container	$1144	$194
Racing	$1289	$215
Driving with a suspended license	$1315	$223
Reckless driving	$1347	$224
Refusal to submit to a chemical test	$1369	$233
DUI	$1395	$232
Leaving scene of an accident/hit and run	$1411	$240

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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 Mason City 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 Mason City.

The cheapest car insurance premiums in Mason City are offered by Western National at $160 for a six-month policy. However, it can be as expensive as $2091 with companies like Grinnell Mutual.

Mason City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$160	$27
Grange	$209	$35
Travelers	$209	$35
West Bend Mutual	$209	$35
Progressive	$401	$68
State Farm	$465	$78
American Family	$764	$129
Allstate	$1642	$279
Auto-Owners	$1748	$292
Farm Bureau	$1823	$310
Nationwide	$1957	$326
Grinnell Mutual	$2091	$356

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 Mason City are offered by Westfield at $118. However, it can be as expensive as $1369 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Mason City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$118	$20
West Bend Mutual	$139	$23
Western National	$160	$27
Iowa Farm Bureau	$176	$30
Travelers	$176	$30
Grange	$182	$31
State Farm	$305	$51
Progressive	$449	$76
American Family	$540	$91
Farm Bureau	$1022	$170
Grinnell Mutual	$1080	$184
Nationwide	$1240	$207
Auto-Owners	$1283	$218
Allstate	$1369	$228

Car Insurance Price Trends in Mason City, Iowa

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

The average cost of full coverage in the Mason City remained steady at $126 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Mason City remained steady at $26 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 Mason City?

The car insurance in Mason City is $15 per month, which is lower than the national average.

What is the cheapest car insurance in Mason City?

The cheapest car insurance in Mason City is $55 per month for full coverage.

How much is car insurance in Mason City for teenagers?

Car insurance for teenagers costs $118 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 Mason City?

The average cost of car insurance is $699 for a six-month policy. It will cost around $105 per month to insure your car in Mason City.

Is car insurance expensive in Mason City?

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

Cheapest Car Insurance Quotes in Mason City

Why you can trust Way?

How Much Is Car Insurance in Mason City

Avg. Car Insurance in Mason City

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Mason City

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Mason City Car Insurance Rates by Company

Cheap Car Insurance Companies in Mason City, IA

Way's key takeaways about car insurance in Mason City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mason City

Cheapest Liability Coverage in Mason City, IA

Cheapest Full Coverage Car Insurance in Mason City

Cheapest Full Coverage Car Insurance Quotes in Mason City, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mason City by Rating Factor

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

Car Insurance Premiums by Age in Mason City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mason City,IA

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

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 Mason City

Cheapest Car Insurance Companies after an At-Fault Accident in Mason City

Mason City Car Insurance Rates by Violation

Mason City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mason City after a DUI

Mason City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mason City after Speeding ticket

Car Insurance Price Trends in Mason City, Iowa

Average Car Insurance Cost in Mason City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mason City, IA

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

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