Cheapest Car Insurance Quotes in New Hampton

Finding the cheapest car insurance quotes in New Hampton 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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New Hampton 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 New Hampton

The car insurance rate in New Hampton is $692 for a six-month policy, which is $7 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 New Hampton 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 New Hampton

$692

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in New Hampton

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 New Hampton.

New Hampton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Hampton, 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, Allstate is the most expensive, with rates reaching $1358 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Hampton drivers find the best deals.

Cheap Car Insurance Companies in New Hampton, 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
State Farm	$594	$100
American Family	$612	$103
USAA	$652	$110
Pekin	$664	$111
Progressive	$670	$113
Auto-Owners	$812	$136
Farm Bureau Mutual (IA Group)	$818	$139
Farm Bureau	$918	$152
Nationwide	$1088	$185
Grinnell Mutual	$1188	$198
Allstate	$1358	$229

Key Takeaways

Way's key takeaways about car insurance in New Hampton

The auto insurance costs in New Hampton fall around $364 for six months.
The cheapest auto insurance company in New Hampton is Pekin.
Teen drivers pay the highest rate in New Hampton at $585 per month.

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Cheapest Minimum Liability Car Insurance in New Hampton

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 New Hampton are given below.

Pekin provides the cheapest minimum car insurance coverage in New Hampton. Their Average 6 Month Premium is $100. West Bend is the most expensive at $124 for the same period.

Cheapest Liability Coverage in New Hampton, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$100	$17
Westfield	$106	$18
Hastings Mutual	$112	$19
Progressive	$118	$20
West Bend Mutual	$118	$20
USAA	$124	$21
Grange	$130	$22
State Farm	$130	$22
Farm Bureau Mutual (IA Group)	$142	$24
Auto-Owners Insurance Co	$148	$25
Iowa Farm Bureau	$158	$27
Travelers	$164	$28
Farm Bureau	$170	$29
American Family	$176	$30
Auto-Owners	$188	$32
Grinnell Mutual	$264	$45
Allstate	$388	$65
Nationwide	$412	$70
West Bend	$124	$21

Cheapest Full Coverage Car Insurance in New Hampton

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

Cheapest Full Coverage Car Insurance Quotes in New Hampton, 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
State Farm	$594	$100
American Family	$612	$103
USAA	$652	$110
Pekin	$664	$111
Progressive	$670	$113
Auto-Owners	$812	$136
Farm Bureau Mutual (IA Group)	$818	$139
Farm Bureau	$918	$152
Nationwide	$1088	$185
Grinnell Mutual	$1188	$198
Allstate	$1358	$229

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Average Car Insurance in New Hampton 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 New Hampton, IA increasing?

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

Car Insurance Premiums by Age in New Hampton

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 New Hampton,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the New Hampton at $22 per month. At $3440 for a six-month premium, Nationwide 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
USAA	$770	$130
Progressive	$1158	$195
State Farm	$1318	$222
American Family	$1558	$262
Farm Bureau	$2006	$335
Farm Bureau Mutual (IA Group)	$2206	$375
Auto-Owners	$2246	$374
Grinnell Mutual	$2670	$454
Allstate	$2940	$495
Nationwide	$3440	$585

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 New Hampton, 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 New Hampton 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
Progressive	$664	$112
American Family	$764	$129
State Farm	$1423	$240
Nationwide	$1552	$264
Farm Bureau	$1582	$263
Allstate	$2058	$350
Auto-Owners	$2076	$346
Grinnell Mutual	$2088	$355

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Car Insurance Rates with An Accident in New Hampton

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

Cheapest Car Insurance Companies after an At-Fault Accident in New Hampton

The cheapest car insurance companies after an at-fault accident in New Hampton include Hastings Mutual and Pekin, offering $112 and $136, respectively. Allstate is an expensive provider with an average six-month premium of $1864.

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
State Farm	$430	$72
Travelers	$442	$74
Progressive	$624	$105
Grinnell Mutual	$706	$119
American Family	$812	$137
USAA	$906	$150
Auto-Owners	$1064	$181
Farm Bureau Mutual (IA Group)	$1206	$201
Farm Bureau	$1494	$254
Nationwide	$1729	$288
Allstate	$1864	$314

New Hampton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New Hampton IA. For example, the car insurance in New Hampton 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.

New Hampton 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 New Hampton 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 New Hampton.

The cheapest car insurance premiums in New Hampton are offered by Western National at $176 for a six-month policy. However, it can be as expensive as $2300 with companies like Grinnell Mutual.

New Hampton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$176	$30
Grange	$230	$39
Travelers	$230	$39
West Bend Mutual	$230	$39
Progressive	$442	$74
State Farm	$512	$86
American Family	$841	$142
Allstate	$1806	$307
Auto-Owners	$1923	$321
Farm Bureau	$2006	$341
Nationwide	$2152	$358
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 New Hampton are offered by Westfield at $130. However, it can be as expensive as $1506 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in New Hampton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$130	$22
West Bend Mutual	$152	$26
Western National	$176	$30
Iowa Farm Bureau	$194	$33
Travelers	$194	$33
Grange	$200	$34
State Farm	$336	$56
Progressive	$494	$83
American Family	$594	$100
Farm Bureau	$1124	$187
Grinnell Mutual	$1188	$202
Nationwide	$1364	$228
Auto-Owners	$1412	$240
Allstate	$1506	$250

Car Insurance Price Trends in New Hampton, Iowa

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

The average cost of full coverage in the New Hampton remained steady at $139 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the New Hampton 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 New Hampton?

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

What is the cheapest car insurance in New Hampton?

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

How much is car insurance in New Hampton 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 New Hampton?

The average cost of car insurance is $699 for a six-month policy. It will cost around $116 per month to insure your car in New Hampton.

Is car insurance expensive in New Hampton?

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

Cheapest Car Insurance Quotes in New Hampton

Why you can trust Way?

How Much Is Car Insurance in New Hampton

Avg. Car Insurance in New Hampton

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in New Hampton

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

New Hampton Car Insurance Rates by Company

Cheap Car Insurance Companies in New Hampton, IA

Way's key takeaways about car insurance in New Hampton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in New Hampton

Cheapest Liability Coverage in New Hampton, IA

Cheapest Full Coverage Car Insurance in New Hampton

Cheapest Full Coverage Car Insurance Quotes in New Hampton, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in New Hampton by Rating Factor

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

Car Insurance Premiums by Age in New Hampton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in New Hampton,IA

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

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 New Hampton

Cheapest Car Insurance Companies after an At-Fault Accident in New Hampton

New Hampton Car Insurance Rates by Violation

New Hampton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in New Hampton after a DUI

New Hampton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in New Hampton after Speeding ticket

Car Insurance Price Trends in New Hampton, Iowa

Average Car Insurance Cost in New Hampton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near New Hampton, IA

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

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