Cheapest Car Insurance Quotes in Mediapolis

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Mediapolis Car Insurance

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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 Mediapolis

The car insurance rate in Mediapolis is $740 for a six-month policy, which is $15 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $361, making it a popular choice for budget-conscious drivers. Rates in Mediapolis 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 Mediapolis

$740

Avg. Car Insurance in Iowa

$755

National Average

$1278

Cheapest Car Insurance Companies in Mediapolis

1st place: West Bend Mutual

At $361 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 $408 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $431 for six months, making it the third cheapest auto insurance company in Mediapolis.

Mediapolis Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mediapolis, IA is West Bend Mutual, offering policies at just $361 for a six-month term. This is followed by Grange, which has an average six-month premium of $408.

At the higher end of the spectrum, Grinnell Mutual is the most expensive, with rates reaching $1176 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mediapolis drivers find the best deals.

Cheap Car Insurance Companies in Mediapolis, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$361	$60
Grange	$408	$70
Travelers	$431	$73
Auto-Owners Insurance Co	$437	$74
Hastings Mutual	$448	$74
Westfield	$477	$81
IMT Insurance Company	$495	$82
American Family	$524	$88
State Farm	$646	$109
Pekin	$658	$112
Progressive	$663	$112
USAA	$669	$113
West Bend	$762	$127
Farm Bureau Mutual (IA Group)	$809	$137
IMT	$873	$146
Auto-Owners	$990	$169
Farm Bureau	$1117	$186
Allstate	$1397	$235
Nationwide	$1467	$244
Grinnell Mutual	$1176	$196

Key Takeaways

Way's key takeaways about car insurance in Mediapolis

The auto insurance costs in Mediapolis fall around $361 for six months.
The cheapest auto insurance company in Mediapolis is Pekin.
Teen drivers pay the highest rate in Mediapolis at $450 per month.

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Cheapest Minimum Liability Car Insurance in Mediapolis

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 Mediapolis are given below.

Pekin provides the cheapest minimum car insurance coverage in Mediapolis. Their Average 6 Month Premium is $99. Grinnell Mutual is the most expensive at $262 for the same period.

Cheapest Liability Coverage in Mediapolis, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$99	$17
Westfield	$105	$18
Hastings Mutual	$111	$19
Progressive	$111	$19
West Bend Mutual	$117	$20
Grange	$128	$22
USAA	$134	$23
Farm Bureau Mutual (IA Group)	$140	$24
Auto-Owners Insurance Co	$146	$25
State Farm	$146	$25
Iowa Farm Bureau	$157	$26
IMT	$163	$27
Travelers	$163	$27
Farm Bureau	$186	$31
West Bend	$186	$31
American Family	$192	$32
Auto-Owners	$204	$34
Allstate	$384	$65
Nationwide	$460	$78
Grinnell Mutual	$262	$44

Cheapest Full Coverage Car Insurance in Mediapolis

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 Mediapolis is West Bend Mutual at $60 per month and $361 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mediapolis, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$361	$60
Grange	$408	$70
Travelers	$431	$73
Auto-Owners Insurance Co	$437	$74
Hastings Mutual	$448	$74
Westfield	$477	$81
IMT Insurance Company	$495	$82
American Family	$524	$88
State Farm	$646	$109
Pekin	$658	$112
Progressive	$663	$112
USAA	$669	$113
West Bend	$762	$127
Farm Bureau Mutual (IA Group)	$809	$137
IMT	$873	$146
Auto-Owners	$990	$169
Farm Bureau	$1117	$186
Allstate	$1397	$235
Nationwide	$1467	$244
Grinnell Mutual	$1176	$196

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Average Car Insurance in Mediapolis 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 Mediapolis, IA increasing?

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

Car Insurance Premiums by Age in Mediapolis

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 Mediapolis,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Mediapolis at $22 per month. At $2643 for a six-month premium, Grinnell Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$128	$22
Grange	$146	$25
West Bend Mutual	$157	$26
Iowa Farm Bureau	$180	$30
Travelers	$612	$103
American Family	$867	$146
USAA	$1095	$184
Progressive	$1304	$220
State Farm	$1531	$258
IMT	$1584	$264
Farm Bureau Mutual (IA Group)	$2183	$371
West Bend	$2340	$390
Farm Bureau	$2386	$406
Auto-Owners	$2469	$412
Allstate	$2986	$503
Nationwide	$4651	$775
Grinnell Mutual	$2643	$450

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 Mediapolis, Grange is the cheapest car insurance provider. At $169 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 Mediapolis is Grinnell Mutual, offering rates of around $2067 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$169	$28
Westfield	$204	$34
West Bend Mutual	$210	$35
Travelers	$227	$38
American Family	$233	$39
Progressive	$646	$109
IMT	$1158	$193
USAA	$1234	$210
West Bend	$1356	$226
Farm Bureau	$1927	$327
State Farm	$2014	$339
Nationwide	$2089	$356
Allstate	$2194	$366
Auto-Owners	$2538	$431
Grinnell Mutual	$2067	$352

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Car Insurance Rates with An Accident in Mediapolis

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

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

The cheapest car insurance companies after an at-fault accident in Mediapolis include Hastings Mutual and Pekin, offering $111 and $134, respectively. Nationwide is an expensive provider with an average six-month premium of $2364.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$111	$19
Pekin	$134	$23
Western National	$174	$29
Westfield	$174	$29
Grange	$198	$33
Auto-Owners Insurance Co	$204	$34
West Bend Mutual	$204	$34
Grinnell Mutual	$216	$36
Travelers	$437	$74
State Farm	$489	$82
American Family	$559	$94
Progressive	$669	$113
USAA	$955	$161
Farm Bureau Mutual (IA Group)	$1194	$203
Auto-Owners	$1281	$214
West Bend	$1281	$218
IMT	$1368	$228
Farm Bureau	$1816	$309
Allstate	$1927	$324
Nationwide	$2364	$402

Mediapolis Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mediapolis IA. For example, the car insurance in Mediapolis after a DUI increases to $698 for a six month policy. While the rate increases by $99 for a six-month policy in the case of a speeding ticket.

Mediapolis auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$821	$137
One Med/PIP claim	$832	$141
Not-at-fault accident	$856	$143
One comp claim	$879	$150
Two Med/PIP claims	$903	$150
Child safety restraint	$920	$157
Failure to show documents	$920	$153
Failure to wear a seat belt	$920	$157
Speeding 6 - 10 MPH over limit	$920	$153
Two comp claims	$920	$157
Driving without lights	$925	$154
Driving with expired registration	$949	$162
Failure to yield	$949	$158
Illegal turn	$949	$162
Failure to stop at a red light	$955	$159
Wrong way/wrong lane	$960	$164
Cell phone violation	$966	$161
Driving too slowly	$966	$165
Speeding 11 - 15 MPH over limit	$966	$161
Texting while driving	$966	$165
Speeding 16 - 20 MPH over limit	$972	$162
Speeding in school zone	$984	$168
Improper passing	$990	$165
Following too closely	$996	$170
At-fault accident - less than $1000	$1013	$169
Passing school bus	$1030	$175
Operating a vehicle without permission	$1083	$180
At-fault accident - $1000-$2000	$1101	$187
Speeding 21 - 25 MPH over limit	$1101	$183
At-fault accident - greater than $2000	$1106	$188
In 65 MPH zone	$1182	$197
Open container	$1246	$212
Racing	$1403	$234
Driving with a suspended license	$1432	$243
Reckless driving	$1467	$244
Refusal to submit to a chemical test	$1491	$254
DUI	$1519	$253
Leaving scene of an accident/hit and run	$1537	$262

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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 Mediapolis 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 Mediapolis.

The cheapest car insurance premiums in Mediapolis are offered by American Family at $169 for a six-month policy. However, it can be as expensive as $2277 with companies like Grinnell Mutual.

Mediapolis car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$169	$28
Western National	$174	$29
Grange	$227	$38
Travelers	$227	$38
West Bend Mutual	$227	$38
Progressive	$629	$106
IMT	$1158	$193
USAA	$1234	$210
West Bend	$1356	$226
Farm Bureau	$1927	$327
State Farm	$1938	$326
Nationwide	$2089	$356
Allstate	$2194	$366
Auto-Owners	$2538	$431
Grinnell Mutual	$2277	$387

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 Mediapolis are offered by Westfield at $128. However, it can be as expensive as $1176 with companies like Grinnell Mutual for a similar six-month premium.

Cheapest Car Insurance in Mediapolis after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$128	$22
West Bend Mutual	$151	$25
American Family	$169	$28
Western National	$174	$29
Iowa Farm Bureau	$192	$32
Travelers	$192	$32
Grange	$198	$33
State Farm	$460	$77
Progressive	$576	$97
USAA	$891	$148
IMT	$1216	$207
Farm Bureau	$1368	$228
West Bend	$1537	$262
Allstate	$1606	$268
Auto-Owners	$1683	$286
Nationwide	$1851	$309
Grinnell Mutual	$1176	$200

Car Insurance Price Trends in Mediapolis, Iowa

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

The average cost of full coverage in the Mediapolis rose by $151 in January compared to $137 of December. In other words, there has been an increase by $14 when you compare January and December.

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

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

What is the cheapest car insurance in Mediapolis?

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

How much is car insurance in Mediapolis for teenagers?

Car insurance for teenagers costs $128 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 Mediapolis?

The average cost of car insurance is $755 for a six-month policy. It will cost around $123 per month to insure your car in Mediapolis.

Is car insurance expensive in Mediapolis?

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

Cheapest Car Insurance Quotes in Mediapolis

Why you can trust Way?

How Much Is Car Insurance in Mediapolis

Avg. Car Insurance in Mediapolis

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Mediapolis

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Mediapolis Car Insurance Rates by Company

Cheap Car Insurance Companies in Mediapolis, IA

Way's key takeaways about car insurance in Mediapolis

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mediapolis

Cheapest Liability Coverage in Mediapolis, IA

Cheapest Full Coverage Car Insurance in Mediapolis

Cheapest Full Coverage Car Insurance Quotes in Mediapolis, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mediapolis by Rating Factor

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

Car Insurance Premiums by Age in Mediapolis

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mediapolis,IA

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

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 Mediapolis

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

Mediapolis Car Insurance Rates by Violation

Mediapolis auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mediapolis after a DUI

Mediapolis car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mediapolis after Speeding ticket

Car Insurance Price Trends in Mediapolis, Iowa

Average Car Insurance Cost in Mediapolis by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mediapolis, IA

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

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