Cheapest Car Insurance Quotes in McIntire

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McIntire 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 McIntire

The car insurance rate in McIntire is $747 for a six-month policy, which is $8 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $364, making it a popular choice for budget-conscious drivers. Rates in McIntire 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 McIntire

$747

Avg. Car Insurance in Iowa

$755

National Average

$1278

Cheapest Car Insurance Companies in McIntire

1st place: West Bend Mutual

At $364 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 $412 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $436 for six months, making it the third cheapest auto insurance company in McIntire.

McIntire Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in McIntire, IA is West Bend Mutual, offering policies at just $364 for a six-month term. This is followed by Grange, which has an average six-month premium of $412.

At the higher end of the spectrum, Grinnell Mutual is the most expensive, with rates reaching $1188 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help McIntire drivers find the best deals.

Cheap Car Insurance Companies in McIntire, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$364	$60
Grange	$412	$70
Travelers	$436	$73
Auto-Owners Insurance Co	$442	$75
Hastings Mutual	$452	$75
Westfield	$482	$82
IMT Insurance Company	$500	$83
American Family	$530	$89
State Farm	$652	$110
Pekin	$664	$113
Progressive	$670	$113
USAA	$676	$114
West Bend	$770	$129
Farm Bureau Mutual (IA Group)	$818	$139
IMT	$882	$148
Auto-Owners	$1000	$170
Farm Bureau	$1129	$188
Allstate	$1412	$238
Nationwide	$1482	$247
Grinnell Mutual	$1188	$198

Key Takeaways

Way's key takeaways about car insurance in McIntire

The auto insurance costs in McIntire fall around $364 for six months.
The cheapest auto insurance company in McIntire is Pekin.
Teen drivers pay the highest rate in McIntire at $454 per month.

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Cheapest Minimum Liability Car Insurance in McIntire

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 McIntire are given below.

Pekin provides the cheapest minimum car insurance coverage in McIntire. Their Average 6 Month Premium is $100. Grinnell Mutual is the most expensive at $264 for the same period.

Cheapest Liability Coverage in McIntire, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$100	$17
Westfield	$106	$18
Hastings Mutual	$112	$19
Progressive	$112	$19
West Bend Mutual	$118	$20
Grange	$130	$22
USAA	$136	$23
Farm Bureau Mutual (IA Group)	$142	$24
Auto-Owners Insurance Co	$148	$25
State Farm	$148	$25
Iowa Farm Bureau	$158	$27
IMT	$164	$28
Travelers	$164	$28
Farm Bureau	$188	$32
West Bend	$188	$32
American Family	$194	$33
Auto-Owners	$206	$35
Allstate	$388	$65
Nationwide	$464	$79
Grinnell Mutual	$264	$45

Cheapest Full Coverage Car Insurance in McIntire

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 McIntire is West Bend Mutual at $60 per month and $364 for six months.

Cheapest Full Coverage Car Insurance Quotes in McIntire, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$364	$60
Grange	$412	$70
Travelers	$436	$73
Auto-Owners Insurance Co	$442	$75
Hastings Mutual	$452	$75
Westfield	$482	$82
IMT Insurance Company	$500	$83
American Family	$530	$89
State Farm	$652	$110
Pekin	$664	$113
Progressive	$670	$113
USAA	$676	$114
West Bend	$770	$129
Farm Bureau Mutual (IA Group)	$818	$139
IMT	$882	$148
Auto-Owners	$1000	$170
Farm Bureau	$1129	$188
Allstate	$1412	$238
Nationwide	$1482	$247
Grinnell Mutual	$1188	$198

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Average Car Insurance in McIntire 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 McIntire, IA increasing?

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

Car Insurance Premiums by Age in McIntire

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 McIntire,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the McIntire at $22 per month. At $2670 for a six-month premium, Grinnell Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$130	$22
Grange	$148	$25
West Bend Mutual	$158	$27
Iowa Farm Bureau	$182	$31
Travelers	$618	$104
American Family	$876	$148
USAA	$1106	$186
Progressive	$1318	$222
State Farm	$1546	$260
IMT	$1600	$266
Farm Bureau Mutual (IA Group)	$2206	$375
West Bend	$2364	$394
Farm Bureau	$2411	$410
Auto-Owners	$2494	$416
Allstate	$3017	$508
Nationwide	$4699	$783
Grinnell Mutual	$2670	$454

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 McIntire, Grange is the cheapest car insurance provider. At $170 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 McIntire is Grinnell Mutual, offering rates of around $2088 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$170	$29
Westfield	$206	$35
West Bend Mutual	$212	$36
Travelers	$230	$39
American Family	$236	$40
Progressive	$652	$110
IMT	$1170	$195
USAA	$1246	$212
West Bend	$1370	$229
Farm Bureau	$1946	$331
State Farm	$2034	$343
Nationwide	$2111	$359
Allstate	$2217	$369
Auto-Owners	$2564	$436
Grinnell Mutual	$2088	$355

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Car Insurance Rates with An Accident in McIntire

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

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

The cheapest car insurance companies after an at-fault accident in McIntire include Hastings Mutual and Pekin, offering $112 and $136, respectively. Nationwide is an expensive provider with an average six-month premium of $2388.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$112	$19
Pekin	$136	$23
Western National	$176	$30
Westfield	$176	$30
Grange	$200	$34
Auto-Owners Insurance Co	$206	$35
West Bend Mutual	$206	$35
Grinnell Mutual	$218	$37
Travelers	$442	$74
State Farm	$494	$83
American Family	$564	$95
Progressive	$676	$114
USAA	$964	$162
Farm Bureau Mutual (IA Group)	$1206	$205
Auto-Owners	$1294	$216
West Bend	$1294	$220
IMT	$1382	$231
Farm Bureau	$1834	$312
Allstate	$1946	$328
Nationwide	$2388	$406

McIntire Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in McIntire IA. For example, the car insurance in McIntire after a DUI increases to $705 for a six month policy. While the rate increases by $100 for a six-month policy in the case of a speeding ticket.

McIntire auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$830	$139
One Med/PIP claim	$841	$143
Not-at-fault accident	$864	$145
One comp claim	$888	$151
Two Med/PIP claims	$912	$151
Child safety restraint	$930	$158
Failure to show documents	$930	$154
Failure to wear a seat belt	$930	$158
Speeding 6 - 10 MPH over limit	$930	$154
Two comp claims	$930	$158
Driving without lights	$935	$155
Driving with expired registration	$958	$163
Failure to yield	$958	$159
Illegal turn	$958	$163
Failure to stop at a red light	$964	$160
Wrong way/wrong lane	$970	$165
Cell phone violation	$976	$162
Driving too slowly	$976	$166
Speeding 11 - 15 MPH over limit	$976	$162
Texting while driving	$976	$166
Speeding 16 - 20 MPH over limit	$982	$163
Speeding in school zone	$994	$169
Improper passing	$1000	$166
Following too closely	$1006	$171
At-fault accident - less than $1000	$1024	$170
Passing school bus	$1040	$177
Operating a vehicle without permission	$1094	$182
At-fault accident - $1000-$2000	$1112	$189
Speeding 21 - 25 MPH over limit	$1112	$185
At-fault accident - greater than $2000	$1118	$190
In 65 MPH zone	$1194	$199
Open container	$1258	$214
Racing	$1418	$237
Driving with a suspended license	$1446	$246
Reckless driving	$1482	$247
Refusal to submit to a chemical test	$1506	$256
DUI	$1535	$255
Leaving scene of an accident/hit and run	$1552	$264

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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 McIntire 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 McIntire.

The cheapest car insurance premiums in McIntire are offered by American Family at $170 for a six-month policy. However, it can be as expensive as $2300 with companies like Grinnell Mutual.

McIntire car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$170	$29
Western National	$176	$30
Grange	$230	$39
Travelers	$230	$39
West Bend Mutual	$230	$39
Progressive	$636	$107
IMT	$1170	$195
USAA	$1246	$212
West Bend	$1370	$229
Farm Bureau	$1946	$331
State Farm	$1958	$330
Nationwide	$2111	$359
Allstate	$2217	$369
Auto-Owners	$2564	$436
Grinnell Mutual	$2300	$391

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 McIntire are offered by Westfield at $130. However, it can be as expensive as $1188 with companies like Grinnell Mutual for a similar six-month premium.

Cheapest Car Insurance in McIntire after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$130	$22
West Bend Mutual	$152	$26
American Family	$170	$29
Western National	$176	$30
Iowa Farm Bureau	$194	$33
Travelers	$194	$33
Grange	$200	$34
State Farm	$464	$78
Progressive	$582	$98
USAA	$900	$149
IMT	$1229	$209
Farm Bureau	$1382	$231
West Bend	$1552	$264
Allstate	$1623	$270
Auto-Owners	$1700	$289
Nationwide	$1870	$312
Grinnell Mutual	$1188	$202

Car Insurance Price Trends in McIntire, Iowa

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

The average cost of full coverage in the McIntire rose by $152 in January compared to $139 of December. In other words, there has been an increase by $13 when you compare January and December.

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

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

What is the cheapest car insurance in McIntire?

The cheapest car insurance in McIntire is $60 per month for full coverage.

How much is car insurance in McIntire for teenagers?

Car insurance for teenagers costs $130 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 McIntire?

The average cost of car insurance is $755 for a six-month policy. It will cost around $125 per month to insure your car in McIntire.

Is car insurance expensive in McIntire?

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

Cheapest Car Insurance Quotes in McIntire

Why you can trust Way?

How Much Is Car Insurance in McIntire

Avg. Car Insurance in McIntire

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in McIntire

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

McIntire Car Insurance Rates by Company

Cheap Car Insurance Companies in McIntire, IA

Way's key takeaways about car insurance in McIntire

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in McIntire

Cheapest Liability Coverage in McIntire, IA

Cheapest Full Coverage Car Insurance in McIntire

Cheapest Full Coverage Car Insurance Quotes in McIntire, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in McIntire by Rating Factor

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

Car Insurance Premiums by Age in McIntire

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in McIntire,IA

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

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 McIntire

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

McIntire Car Insurance Rates by Violation

McIntire auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in McIntire after a DUI

McIntire car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in McIntire after Speeding ticket

Car Insurance Price Trends in McIntire, Iowa

Average Car Insurance Cost in McIntire by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near McIntire, IA

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

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