Cheapest Car Insurance Quotes in Melvin

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Melvin Car Insurance

^$ 16

/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 Melvin

The car insurance rate in Melvin is $710 for a six-month policy, which is $45 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $346, making it a popular choice for budget-conscious drivers. Rates in Melvin 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 Melvin

$710

Avg. Car Insurance in Iowa

$755

National Average

$1278

Cheapest Car Insurance Companies in Melvin

1st place: West Bend Mutual

At $346 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 $391 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $414 for six months, making it the third cheapest auto insurance company in Melvin.

Melvin Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Melvin, IA is West Bend Mutual, offering policies at just $346 for a six-month term. This is followed by Grange, which has an average six-month premium of $391.

At the higher end of the spectrum, Grinnell Mutual is the most expensive, with rates reaching $1128 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Melvin drivers find the best deals.

Cheap Car Insurance Companies in Melvin, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$346	$57
Grange	$391	$67
Travelers	$414	$70
Auto-Owners Insurance Co	$419	$71
Hastings Mutual	$430	$71
Westfield	$458	$78
IMT Insurance Company	$475	$79
American Family	$503	$85
State Farm	$619	$104
Pekin	$631	$107
Progressive	$636	$107
USAA	$642	$108
West Bend	$731	$122
Farm Bureau Mutual (IA Group)	$776	$132
IMT	$838	$140
Auto-Owners	$949	$162
Farm Bureau	$1072	$179
Allstate	$1340	$226
Nationwide	$1407	$234
Grinnell Mutual	$1128	$188

Key Takeaways

Way's key takeaways about car insurance in Melvin

The auto insurance costs in Melvin fall around $346 for six months.
The cheapest auto insurance company in Melvin is Pekin.
Teen drivers pay the highest rate in Melvin at $431 per month.

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Cheapest Minimum Liability Car Insurance in Melvin

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 Melvin are given below.

Pekin provides the cheapest minimum car insurance coverage in Melvin. Their Average 6 Month Premium is $95. Grinnell Mutual is the most expensive at $251 for the same period.

Cheapest Liability Coverage in Melvin, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$95	$16
Westfield	$101	$17
Hastings Mutual	$106	$18
Progressive	$106	$18
West Bend Mutual	$112	$19
Grange	$123	$21
USAA	$129	$22
Farm Bureau Mutual (IA Group)	$134	$23
Auto-Owners Insurance Co	$140	$24
State Farm	$140	$24
Iowa Farm Bureau	$150	$25
IMT	$156	$26
Travelers	$156	$26
Farm Bureau	$179	$30
West Bend	$179	$30
American Family	$184	$31
Auto-Owners	$196	$33
Allstate	$368	$62
Nationwide	$441	$75
Grinnell Mutual	$251	$42

Cheapest Full Coverage Car Insurance in Melvin

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 Melvin is West Bend Mutual at $57 per month and $346 for six months.

Cheapest Full Coverage Car Insurance Quotes in Melvin, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$346	$57
Grange	$391	$67
Travelers	$414	$70
Auto-Owners Insurance Co	$419	$71
Hastings Mutual	$430	$71
Westfield	$458	$78
IMT Insurance Company	$475	$79
American Family	$503	$85
State Farm	$619	$104
Pekin	$631	$107
Progressive	$636	$107
USAA	$642	$108
West Bend	$731	$122
Farm Bureau Mutual (IA Group)	$776	$132
IMT	$838	$140
Auto-Owners	$949	$162
Farm Bureau	$1072	$179
Allstate	$1340	$226
Nationwide	$1407	$234
Grinnell Mutual	$1128	$188

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Average Car Insurance in Melvin 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 Melvin, IA increasing?

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

Car Insurance Premiums by Age in Melvin

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 Melvin,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Melvin at $21 per month. At $2535 for a six-month premium, Grinnell Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$123	$21
Grange	$140	$24
West Bend Mutual	$150	$25
Iowa Farm Bureau	$173	$29
Travelers	$587	$99
American Family	$832	$140
USAA	$1050	$177
Progressive	$1251	$211
State Farm	$1468	$247
IMT	$1519	$253
Farm Bureau Mutual (IA Group)	$2094	$356
West Bend	$2245	$374
Farm Bureau	$2289	$389
Auto-Owners	$2368	$395
Allstate	$2864	$482
Nationwide	$4461	$744
Grinnell Mutual	$2535	$431

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 Melvin, Grange is the cheapest car insurance provider. At $162 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 Melvin is Grinnell Mutual, offering rates of around $1982 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$162	$27
Westfield	$196	$33
West Bend Mutual	$201	$34
Travelers	$218	$37
American Family	$224	$38
Progressive	$619	$104
IMT	$1111	$185
USAA	$1183	$201
West Bend	$1301	$217
Farm Bureau	$1848	$314
State Farm	$1932	$325
Nationwide	$2004	$341
Allstate	$2105	$351
Auto-Owners	$2435	$414
Grinnell Mutual	$1982	$337

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Car Insurance Rates with An Accident in Melvin

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

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

The cheapest car insurance companies after an at-fault accident in Melvin include Hastings Mutual and Pekin, offering $106 and $129, respectively. Nationwide is an expensive provider with an average six-month premium of $2267.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$106	$18
Pekin	$129	$22
Western National	$167	$28
Westfield	$167	$28
Grange	$190	$32
Auto-Owners Insurance Co	$196	$33
West Bend Mutual	$196	$33
Grinnell Mutual	$207	$35
Travelers	$419	$71
State Farm	$469	$79
American Family	$536	$90
Progressive	$642	$108
USAA	$916	$154
Farm Bureau Mutual (IA Group)	$1145	$195
Auto-Owners	$1229	$205
West Bend	$1229	$209
IMT	$1312	$219
Farm Bureau	$1742	$296
Allstate	$1848	$311
Nationwide	$2267	$385

Melvin Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Melvin IA. For example, the car insurance in Melvin after a DUI increases to $669 for a six month policy. While the rate increases by $95 for a six-month policy in the case of a speeding ticket.

Melvin auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$788	$132
One Med/PIP claim	$798	$135
Not-at-fault accident	$821	$137
One comp claim	$843	$144
Two Med/PIP claims	$866	$144
Child safety restraint	$883	$150
Failure to show documents	$883	$147
Failure to wear a seat belt	$883	$150
Speeding 6 - 10 MPH over limit	$883	$147
Two comp claims	$883	$150
Driving without lights	$887	$148
Driving with expired registration	$910	$155
Failure to yield	$910	$151
Illegal turn	$910	$155
Failure to stop at a red light	$916	$152
Wrong way/wrong lane	$921	$157
Cell phone violation	$927	$154
Driving too slowly	$927	$158
Speeding 11 - 15 MPH over limit	$927	$154
Texting while driving	$927	$158
Speeding 16 - 20 MPH over limit	$932	$155
Speeding in school zone	$944	$161
Improper passing	$949	$158
Following too closely	$955	$163
At-fault accident - less than $1000	$972	$162
Passing school bus	$988	$168
Operating a vehicle without permission	$1039	$173
At-fault accident - $1000-$2000	$1056	$180
Speeding 21 - 25 MPH over limit	$1056	$176
At-fault accident - greater than $2000	$1061	$180
In 65 MPH zone	$1134	$189
Open container	$1195	$203
Racing	$1346	$225
Driving with a suspended license	$1373	$233
Reckless driving	$1407	$234
Refusal to submit to a chemical test	$1430	$243
DUI	$1457	$243
Leaving scene of an accident/hit and run	$1474	$251

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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 Melvin 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 Melvin.

The cheapest car insurance premiums in Melvin are offered by American Family at $162 for a six-month policy. However, it can be as expensive as $2184 with companies like Grinnell Mutual.

Melvin car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$162	$27
Western National	$167	$28
Grange	$218	$37
Travelers	$218	$37
West Bend Mutual	$218	$37
Progressive	$603	$102
IMT	$1111	$185
USAA	$1183	$201
West Bend	$1301	$217
Farm Bureau	$1848	$314
State Farm	$1859	$313
Nationwide	$2004	$341
Allstate	$2105	$351
Auto-Owners	$2435	$414
Grinnell Mutual	$2184	$371

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 Melvin are offered by Westfield at $123. However, it can be as expensive as $1128 with companies like Grinnell Mutual for a similar six-month premium.

Cheapest Car Insurance in Melvin after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$123	$21
West Bend Mutual	$145	$24
American Family	$162	$27
Western National	$167	$28
Iowa Farm Bureau	$184	$31
Travelers	$184	$31
Grange	$190	$32
State Farm	$441	$74
Progressive	$553	$93
USAA	$854	$142
IMT	$1167	$198
Farm Bureau	$1312	$219
West Bend	$1474	$251
Allstate	$1541	$257
Auto-Owners	$1614	$274
Nationwide	$1776	$296
Grinnell Mutual	$1128	$192

Car Insurance Price Trends in Melvin, Iowa

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

The average cost of full coverage in the Melvin rose by $145 in January compared to $132 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 Melvin remained steady at $27 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 Melvin?

The car insurance in Melvin is $16 per month, which is lower than the national average.

What is the cheapest car insurance in Melvin?

The cheapest car insurance in Melvin is $57 per month for full coverage.

How much is car insurance in Melvin for teenagers?

Car insurance for teenagers costs $123 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 Melvin?

The average cost of car insurance is $755 for a six-month policy. It will cost around $118 per month to insure your car in Melvin.

Is car insurance expensive in Melvin?

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

Cheapest Car Insurance Quotes in Melvin

Why you can trust Way?

How Much Is Car Insurance in Melvin

Avg. Car Insurance in Melvin

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Melvin

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Melvin Car Insurance Rates by Company

Cheap Car Insurance Companies in Melvin, IA

Way's key takeaways about car insurance in Melvin

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Melvin

Cheapest Liability Coverage in Melvin, IA

Cheapest Full Coverage Car Insurance in Melvin

Cheapest Full Coverage Car Insurance Quotes in Melvin, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Melvin by Rating Factor

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

Car Insurance Premiums by Age in Melvin

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Melvin,IA

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

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 Melvin

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

Melvin Car Insurance Rates by Violation

Melvin auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Melvin after a DUI

Melvin car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Melvin after Speeding ticket

Car Insurance Price Trends in Melvin, Iowa

Average Car Insurance Cost in Melvin by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Melvin, IA

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

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