Cheapest Car Insurance Quotes in Masonville

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Masonville Car Insurance

^$ 17

/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 Masonville

The car insurance rate in Masonville is $699 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $368, making it a popular choice for budget-conscious drivers. Rates in Masonville 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 Masonville

$699

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in Masonville

1st place: West Bend Mutual

At $368 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 $416 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $440 for six months, making it the third cheapest auto insurance company in Masonville.

Masonville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Masonville, IA is West Bend Mutual, offering policies at just $368 for a six-month term. This is followed by Grange, which has an average six-month premium of $416.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1372 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Masonville drivers find the best deals.

Cheap Car Insurance Companies in Masonville, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$368	$61
Grange	$416	$71
Travelers	$440	$74
Auto-Owners Insurance Co	$446	$76
Hastings Mutual	$457	$76
Westfield	$487	$83
IMT Insurance Company	$505	$84
State Farm	$600	$101
American Family	$618	$104
USAA	$659	$111
Pekin	$671	$112
Progressive	$677	$114
Auto-Owners	$820	$137
Farm Bureau Mutual (IA Group)	$826	$140
Farm Bureau	$927	$154
Nationwide	$1099	$187
Grinnell Mutual	$1200	$200
Allstate	$1372	$231

Key Takeaways

Way's key takeaways about car insurance in Masonville

The auto insurance costs in Masonville fall around $368 for six months.
The cheapest auto insurance company in Masonville is Pekin.
Teen drivers pay the highest rate in Masonville at $591 per month.

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Cheapest Minimum Liability Car Insurance in Masonville

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 Masonville are given below.

Pekin provides the cheapest minimum car insurance coverage in Masonville. Their Average 6 Month Premium is $101. West Bend is the most expensive at $125 for the same period.

Cheapest Liability Coverage in Masonville, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$101	$17
Westfield	$107	$18
Hastings Mutual	$113	$19
Progressive	$119	$20
West Bend Mutual	$119	$20
USAA	$125	$21
Grange	$131	$22
State Farm	$131	$22
Farm Bureau Mutual (IA Group)	$143	$24
Auto-Owners Insurance Co	$149	$25
Iowa Farm Bureau	$160	$27
Travelers	$166	$28
Farm Bureau	$172	$29
American Family	$178	$30
Auto-Owners	$190	$32
Grinnell Mutual	$267	$45
Allstate	$392	$66
Nationwide	$416	$71
West Bend	$125	$21

Cheapest Full Coverage Car Insurance in Masonville

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 Masonville is West Bend Mutual at $61 per month and $368 for six months.

Cheapest Full Coverage Car Insurance Quotes in Masonville, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$368	$61
Grange	$416	$71
Travelers	$440	$74
Auto-Owners Insurance Co	$446	$76
Hastings Mutual	$457	$76
Westfield	$487	$83
IMT Insurance Company	$505	$84
State Farm	$600	$101
American Family	$618	$104
USAA	$659	$111
Pekin	$671	$112
Progressive	$677	$114
Auto-Owners	$820	$137
Farm Bureau Mutual (IA Group)	$826	$140
Farm Bureau	$927	$154
Nationwide	$1099	$187
Grinnell Mutual	$1200	$200
Allstate	$1372	$231

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Average Car Insurance in Masonville 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 Masonville, IA increasing?

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

Car Insurance Premiums by Age in Masonville

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 Masonville,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Masonville at $22 per month. At $3475 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$131	$22
Grange	$149	$25
West Bend Mutual	$160	$27
Iowa Farm Bureau	$184	$31
Travelers	$624	$105
USAA	$778	$131
Progressive	$1170	$197
State Farm	$1331	$224
American Family	$1574	$265
Farm Bureau	$2026	$338
Farm Bureau Mutual (IA Group)	$2228	$379
Auto-Owners	$2269	$378
Grinnell Mutual	$2697	$459
Allstate	$2970	$500
Nationwide	$3475	$591

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 Masonville, Grange is the cheapest car insurance provider. At $172 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 Masonville is Grinnell Mutual, offering rates of around $2109 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$172	$29
Westfield	$208	$35
West Bend Mutual	$214	$36
Travelers	$232	$39
Progressive	$671	$113
American Family	$772	$130
State Farm	$1437	$242
Nationwide	$1568	$267
Farm Bureau	$1598	$266
Allstate	$2079	$354
Auto-Owners	$2097	$349
Grinnell Mutual	$2109	$359

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Car Insurance Rates with An Accident in Masonville

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

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

The cheapest car insurance companies after an at-fault accident in Masonville include Hastings Mutual and Pekin, offering $113 and $137, respectively. Allstate is an expensive provider with an average six-month premium of $1883.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$113	$19
Pekin	$137	$23
Western National	$178	$30
Westfield	$178	$30
Grange	$202	$34
Auto-Owners Insurance Co	$208	$35
West Bend Mutual	$208	$35
State Farm	$434	$73
Travelers	$446	$75
Progressive	$630	$106
Grinnell Mutual	$713	$120
American Family	$820	$138
USAA	$915	$152
Auto-Owners	$1075	$183
Farm Bureau Mutual (IA Group)	$1218	$203
Farm Bureau	$1509	$257
Nationwide	$1746	$291
Allstate	$1883	$317

Masonville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Masonville IA. For example, the car insurance in Masonville after a DUI increases to $712 for a six month policy. While the rate increases by $101 for a six-month policy in the case of a speeding ticket.

Masonville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$838	$140
One Med/PIP claim	$849	$144
Not-at-fault accident	$873	$146
One comp claim	$897	$153
Two Med/PIP claims	$921	$153
Child safety restraint	$939	$160
Failure to show documents	$939	$156
Failure to wear a seat belt	$939	$160
Speeding 6 - 10 MPH over limit	$939	$156
Two comp claims	$939	$160
Driving without lights	$944	$157
Driving with expired registration	$968	$165
Failure to yield	$968	$161
Illegal turn	$968	$165
Failure to stop at a red light	$974	$162
Wrong way/wrong lane	$980	$167
Cell phone violation	$986	$164
Driving too slowly	$986	$168
Speeding 11 - 15 MPH over limit	$986	$164
Texting while driving	$986	$168
Speeding 16 - 20 MPH over limit	$992	$165
Speeding in school zone	$1004	$171
Improper passing	$1010	$168
Following too closely	$1016	$173
At-fault accident - less than $1000	$1034	$172
Passing school bus	$1051	$179
Operating a vehicle without permission	$1105	$184
At-fault accident - $1000-$2000	$1123	$191
Speeding 21 - 25 MPH over limit	$1123	$187
At-fault accident - greater than $2000	$1129	$192
In 65 MPH zone	$1206	$201
Open container	$1271	$216
Racing	$1432	$239
Driving with a suspended license	$1461	$248
Reckless driving	$1497	$249
Refusal to submit to a chemical test	$1521	$259
DUI	$1550	$258
Leaving scene of an accident/hit and run	$1568	$267

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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 Masonville 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 Masonville.

The cheapest car insurance premiums in Masonville are offered by Western National at $178 for a six-month policy. However, it can be as expensive as $2323 with companies like Grinnell Mutual.

Masonville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$178	$30
Grange	$232	$39
Travelers	$232	$39
West Bend Mutual	$232	$39
Progressive	$446	$75
State Farm	$517	$87
American Family	$849	$143
Allstate	$1824	$310
Auto-Owners	$1942	$324
Farm Bureau	$2026	$344
Nationwide	$2174	$362
Grinnell Mutual	$2323	$395

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 Masonville are offered by Westfield at $131. However, it can be as expensive as $1521 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Masonville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$131	$22
West Bend Mutual	$154	$26
Western National	$178	$30
Iowa Farm Bureau	$196	$33
Travelers	$196	$33
Grange	$202	$34
State Farm	$339	$57
Progressive	$499	$84
American Family	$600	$101
Farm Bureau	$1135	$189
Grinnell Mutual	$1200	$204
Nationwide	$1378	$230
Auto-Owners	$1426	$242
Allstate	$1521	$253

Car Insurance Price Trends in Masonville, Iowa

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

The average cost of full coverage in the Masonville remained steady at $140 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Masonville remained steady at $29 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 Masonville?

The car insurance in Masonville is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Masonville?

The cheapest car insurance in Masonville is $61 per month for full coverage.

How much is car insurance in Masonville for teenagers?

Car insurance for teenagers costs $131 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 Masonville?

The average cost of car insurance is $699 for a six-month policy. It will cost around $117 per month to insure your car in Masonville.

Is car insurance expensive in Masonville?

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

Cheapest Car Insurance Quotes in Masonville

Why you can trust Way?

How Much Is Car Insurance in Masonville

Avg. Car Insurance in Masonville

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Masonville

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Masonville Car Insurance Rates by Company

Cheap Car Insurance Companies in Masonville, IA

Way's key takeaways about car insurance in Masonville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Masonville

Cheapest Liability Coverage in Masonville, IA

Cheapest Full Coverage Car Insurance in Masonville

Cheapest Full Coverage Car Insurance Quotes in Masonville, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Masonville by Rating Factor

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

Car Insurance Premiums by Age in Masonville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Masonville,IA

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

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 Masonville

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

Masonville Car Insurance Rates by Violation

Masonville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Masonville after a DUI

Masonville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Masonville after Speeding ticket

Car Insurance Price Trends in Masonville, Iowa

Average Car Insurance Cost in Masonville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Masonville, IA

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

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