Cheapest Car Insurance Quotes in Missouri Valley

Finding the cheapest car insurance quotes in Missouri Valley shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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Missouri Valley Car Insurance

^$ 18

/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 Missouri Valley

The car insurance rate in Missouri Valley is $815 for a six-month policy, which is $60 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $397, making it a popular choice for budget-conscious drivers. Rates in Missouri Valley 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 Missouri Valley

$815

Avg. Car Insurance in Iowa

$755

National Average

$1278

Cheapest Car Insurance Companies in Missouri Valley

1st place: West Bend Mutual

At $397 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 $449 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $475 for six months, making it the third cheapest auto insurance company in Missouri Valley.

Missouri Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Missouri Valley, IA is West Bend Mutual, offering policies at just $397 for a six-month term. This is followed by Grange, which has an average six-month premium of $449.

At the higher end of the spectrum, Grinnell Mutual is the most expensive, with rates reaching $1296 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Missouri Valley drivers find the best deals.

Cheap Car Insurance Companies in Missouri Valley, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$397	$66
Grange	$449	$77
Travelers	$475	$80
Auto-Owners Insurance Co	$482	$82
Hastings Mutual	$494	$82
Westfield	$526	$90
IMT Insurance Company	$545	$91
American Family	$578	$97
State Farm	$712	$120
Pekin	$725	$123
Progressive	$731	$123
USAA	$738	$124
West Bend	$840	$140
Farm Bureau Mutual (IA Group)	$892	$151
IMT	$962	$161
Auto-Owners	$1091	$186
Farm Bureau	$1231	$205
Allstate	$1540	$259
Nationwide	$1617	$269
Grinnell Mutual	$1296	$216

Key Takeaways

Way's key takeaways about car insurance in Missouri Valley

The auto insurance costs in Missouri Valley fall around $397 for six months.
The cheapest auto insurance company in Missouri Valley is Pekin.
Teen drivers pay the highest rate in Missouri Valley at $496 per month.

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Cheapest Minimum Liability Car Insurance in Missouri Valley

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 Missouri Valley are given below.

Pekin provides the cheapest minimum car insurance coverage in Missouri Valley. Their Average 6 Month Premium is $109. Grinnell Mutual is the most expensive at $288 for the same period.

Cheapest Liability Coverage in Missouri Valley, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$109	$18
Westfield	$116	$19
Hastings Mutual	$122	$21
Progressive	$122	$21
West Bend Mutual	$129	$22
Grange	$141	$24
USAA	$148	$25
Farm Bureau Mutual (IA Group)	$154	$26
Auto-Owners Insurance Co	$161	$27
State Farm	$161	$27
Iowa Farm Bureau	$173	$29
IMT	$179	$30
Travelers	$179	$30
Farm Bureau	$205	$35
West Bend	$205	$35
American Family	$212	$36
Auto-Owners	$225	$38
Allstate	$423	$71
Nationwide	$507	$86
Grinnell Mutual	$288	$49

Cheapest Full Coverage Car Insurance in Missouri Valley

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 Missouri Valley is West Bend Mutual at $66 per month and $397 for six months.

Cheapest Full Coverage Car Insurance Quotes in Missouri Valley, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$397	$66
Grange	$449	$77
Travelers	$475	$80
Auto-Owners Insurance Co	$482	$82
Hastings Mutual	$494	$82
Westfield	$526	$90
IMT Insurance Company	$545	$91
American Family	$578	$97
State Farm	$712	$120
Pekin	$725	$123
Progressive	$731	$123
USAA	$738	$124
West Bend	$840	$140
Farm Bureau Mutual (IA Group)	$892	$151
IMT	$962	$161
Auto-Owners	$1091	$186
Farm Bureau	$1231	$205
Allstate	$1540	$259
Nationwide	$1617	$269
Grinnell Mutual	$1296	$216

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Average Car Insurance in Missouri Valley 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 Missouri Valley, IA increasing?

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

Car Insurance Premiums by Age in Missouri Valley

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 Missouri Valley,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Missouri Valley at $24 per month. At $2913 for a six-month premium, Grinnell Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$141	$24
Grange	$161	$27
West Bend Mutual	$173	$29
Iowa Farm Bureau	$199	$33
Travelers	$674	$113
American Family	$956	$161
USAA	$1206	$203
Progressive	$1437	$242
State Farm	$1687	$284
IMT	$1745	$291
Farm Bureau Mutual (IA Group)	$2406	$409
West Bend	$2579	$430
Farm Bureau	$2630	$447
Auto-Owners	$2721	$454
Allstate	$3291	$554
Nationwide	$5126	$854
Grinnell Mutual	$2913	$496

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 Missouri Valley, Grange is the cheapest car insurance provider. At $186 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 Missouri Valley is Grinnell Mutual, offering rates of around $2278 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$186	$31
Westfield	$225	$38
West Bend Mutual	$231	$39
Travelers	$251	$42
American Family	$257	$43
Progressive	$712	$120
IMT	$1277	$213
USAA	$1360	$231
West Bend	$1495	$249
Farm Bureau	$2123	$361
State Farm	$2219	$374
Nationwide	$2303	$392
Allstate	$2418	$403
Auto-Owners	$2797	$475
Grinnell Mutual	$2278	$388

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Car Insurance Rates with An Accident in Missouri Valley

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

Cheapest Car Insurance Companies after an At-Fault Accident in Missouri Valley

The cheapest car insurance companies after an at-fault accident in Missouri Valley include Hastings Mutual and Pekin, offering $122 and $148, respectively. Nationwide is an expensive provider with an average six-month premium of $2605.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$122	$21
Pekin	$148	$25
Western National	$192	$32
Westfield	$192	$32
Grange	$218	$37
Auto-Owners Insurance Co	$225	$38
West Bend Mutual	$225	$38
Grinnell Mutual	$238	$40
Travelers	$482	$81
State Farm	$539	$91
American Family	$616	$104
Progressive	$738	$124
USAA	$1052	$177
Farm Bureau Mutual (IA Group)	$1315	$224
Auto-Owners	$1412	$235
West Bend	$1412	$240
IMT	$1508	$252
Farm Bureau	$2001	$340
Allstate	$2123	$357
Nationwide	$2605	$443

Missouri Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Missouri Valley IA. For example, the car insurance in Missouri Valley after a DUI increases to $769 for a six month policy. While the rate increases by $109 for a six-month policy in the case of a speeding ticket.

Missouri Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$905	$151
One Med/PIP claim	$917	$156
Not-at-fault accident	$943	$158
One comp claim	$969	$165
Two Med/PIP claims	$995	$165
Child safety restraint	$1014	$173
Failure to show documents	$1014	$168
Failure to wear a seat belt	$1014	$173
Speeding 6 - 10 MPH over limit	$1014	$168
Two comp claims	$1014	$173
Driving without lights	$1020	$170
Driving with expired registration	$1045	$178
Failure to yield	$1045	$174
Illegal turn	$1045	$178
Failure to stop at a red light	$1052	$175
Wrong way/wrong lane	$1058	$180
Cell phone violation	$1065	$177
Driving too slowly	$1065	$181
Speeding 11 - 15 MPH over limit	$1065	$177
Texting while driving	$1065	$181
Speeding 16 - 20 MPH over limit	$1071	$178
Speeding in school zone	$1084	$185
Improper passing	$1091	$181
Following too closely	$1097	$187
At-fault accident - less than $1000	$1117	$186
Passing school bus	$1135	$193
Operating a vehicle without permission	$1193	$199
At-fault accident - $1000-$2000	$1213	$206
Speeding 21 - 25 MPH over limit	$1213	$202
At-fault accident - greater than $2000	$1219	$207
In 65 MPH zone	$1302	$217
Open container	$1373	$233
Racing	$1547	$258
Driving with a suspended license	$1578	$268
Reckless driving	$1617	$269
Refusal to submit to a chemical test	$1643	$280
DUI	$1674	$279
Leaving scene of an accident/hit and run	$1693	$288

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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 Missouri Valley 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 Missouri Valley.

The cheapest car insurance premiums in Missouri Valley are offered by American Family at $186 for a six-month policy. However, it can be as expensive as $2509 with companies like Grinnell Mutual.

Missouri Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$186	$31
Western National	$192	$32
Grange	$251	$42
Travelers	$251	$42
West Bend Mutual	$251	$42
Progressive	$693	$117
IMT	$1277	$213
USAA	$1360	$231
West Bend	$1495	$249
Farm Bureau	$2123	$361
State Farm	$2136	$360
Nationwide	$2303	$392
Allstate	$2418	$403
Auto-Owners	$2797	$475
Grinnell Mutual	$2509	$427

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 Missouri Valley are offered by Westfield at $141. However, it can be as expensive as $1296 with companies like Grinnell Mutual for a similar six-month premium.

Cheapest Car Insurance in Missouri Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$141	$24
West Bend Mutual	$166	$28
American Family	$186	$31
Western National	$192	$32
Iowa Farm Bureau	$212	$36
Travelers	$212	$36
Grange	$218	$37
State Farm	$507	$85
Progressive	$635	$107
USAA	$982	$163
IMT	$1340	$228
Farm Bureau	$1508	$252
West Bend	$1693	$288
Allstate	$1770	$295
Auto-Owners	$1854	$315
Nationwide	$2040	$340
Grinnell Mutual	$1296	$220

Car Insurance Price Trends in Missouri Valley, Iowa

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

The average cost of full coverage in the Missouri Valley rose by $166 in January compared to $151 of December. In other words, there has been an increase by $15 when you compare January and December.

The average cost of liability insurance in the Missouri Valley remained steady at $31 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 Missouri Valley?

The car insurance in Missouri Valley is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Missouri Valley?

The cheapest car insurance in Missouri Valley is $66 per month for full coverage.

How much is car insurance in Missouri Valley for teenagers?

Car insurance for teenagers costs $141 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 Missouri Valley?

The average cost of car insurance is $755 for a six-month policy. It will cost around $136 per month to insure your car in Missouri Valley.

Is car insurance expensive in Missouri Valley?

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

Cheapest Car Insurance Quotes in Missouri Valley

Why you can trust Way?

How Much Is Car Insurance in Missouri Valley

Avg. Car Insurance in Missouri Valley

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Missouri Valley

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Missouri Valley Car Insurance Rates by Company

Cheap Car Insurance Companies in Missouri Valley, IA

Way's key takeaways about car insurance in Missouri Valley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Missouri Valley

Cheapest Liability Coverage in Missouri Valley, IA

Cheapest Full Coverage Car Insurance in Missouri Valley

Cheapest Full Coverage Car Insurance Quotes in Missouri Valley, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Missouri Valley by Rating Factor

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

Car Insurance Premiums by Age in Missouri Valley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Missouri Valley,IA

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

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 Missouri Valley

Cheapest Car Insurance Companies after an At-Fault Accident in Missouri Valley

Missouri Valley Car Insurance Rates by Violation

Missouri Valley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Missouri Valley after a DUI

Missouri Valley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Missouri Valley after Speeding ticket

Car Insurance Price Trends in Missouri Valley, Iowa

Average Car Insurance Cost in Missouri Valley by ZIP Code

Frequently Asked Questions

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Find Car Insurance Rates in Cities Near Missouri Valley, IA

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

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