Cheapest Car Insurance Quotes in Orange City

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Orange City Car Insurance

^$ 15

/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 Orange City

The car insurance rate in Orange City is $687 for a six-month policy, which is $68 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $335, making it a popular choice for budget-conscious drivers. Rates in Orange City 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 Orange City

$687

Avg. Car Insurance in Iowa

$755

National Average

$1278

Cheapest Car Insurance Companies in Orange City

1st place: West Bend Mutual

At $335 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 $379 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $400 for six months, making it the third cheapest auto insurance company in Orange City.

Orange City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Orange City, IA is West Bend Mutual, offering policies at just $335 for a six-month term. This is followed by Grange, which has an average six-month premium of $379.

At the higher end of the spectrum, Grinnell Mutual is the most expensive, with rates reaching $1092 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Orange City drivers find the best deals.

Cheap Car Insurance Companies in Orange City, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$335	$56
Grange	$379	$65
Travelers	$400	$67
Auto-Owners Insurance Co	$406	$69
Hastings Mutual	$416	$69
Westfield	$443	$76
IMT Insurance Company	$460	$76
American Family	$487	$82
State Farm	$600	$101
Pekin	$611	$104
Progressive	$616	$104
USAA	$622	$105
West Bend	$708	$118
Farm Bureau Mutual (IA Group)	$752	$127
IMT	$811	$136
Auto-Owners	$919	$157
Farm Bureau	$1037	$173
Allstate	$1298	$218
Nationwide	$1362	$227
Grinnell Mutual	$1092	$182

Key Takeaways

Way's key takeaways about car insurance in Orange City

The auto insurance costs in Orange City fall around $335 for six months.
The cheapest auto insurance company in Orange City is Pekin.
Teen drivers pay the highest rate in Orange City at $418 per month.

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Cheapest Minimum Liability Car Insurance in Orange City

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 Orange City are given below.

Pekin provides the cheapest minimum car insurance coverage in Orange City. Their Average 6 Month Premium is $92. Grinnell Mutual is the most expensive at $243 for the same period.

Cheapest Liability Coverage in Orange City, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$92	$15
Westfield	$97	$16
Hastings Mutual	$103	$17
Progressive	$103	$17
West Bend Mutual	$108	$18
Grange	$119	$20
USAA	$125	$21
Farm Bureau Mutual (IA Group)	$130	$22
Auto-Owners Insurance Co	$136	$23
State Farm	$136	$23
Iowa Farm Bureau	$146	$25
IMT	$151	$25
Travelers	$151	$25
Farm Bureau	$173	$29
West Bend	$173	$29
American Family	$178	$30
Auto-Owners	$189	$32
Allstate	$357	$60
Nationwide	$427	$73
Grinnell Mutual	$243	$41

Cheapest Full Coverage Car Insurance in Orange City

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 Orange City is West Bend Mutual at $56 per month and $335 for six months.

Cheapest Full Coverage Car Insurance Quotes in Orange City, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$335	$56
Grange	$379	$65
Travelers	$400	$67
Auto-Owners Insurance Co	$406	$69
Hastings Mutual	$416	$69
Westfield	$443	$76
IMT Insurance Company	$460	$76
American Family	$487	$82
State Farm	$600	$101
Pekin	$611	$104
Progressive	$616	$104
USAA	$622	$105
West Bend	$708	$118
Farm Bureau Mutual (IA Group)	$752	$127
IMT	$811	$136
Auto-Owners	$919	$157
Farm Bureau	$1037	$173
Allstate	$1298	$218
Nationwide	$1362	$227
Grinnell Mutual	$1092	$182

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Average Car Insurance in Orange City 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 Orange City, IA increasing?

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

Car Insurance Premiums by Age in Orange City

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 Orange City,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Orange City at $20 per month. At $2454 for a six-month premium, Grinnell Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$119	$20
Grange	$136	$23
West Bend Mutual	$146	$25
Iowa Farm Bureau	$167	$28
Travelers	$568	$96
American Family	$805	$136
USAA	$1016	$171
Progressive	$1211	$204
State Farm	$1421	$239
IMT	$1471	$245
Farm Bureau Mutual (IA Group)	$2027	$345
West Bend	$2173	$362
Farm Bureau	$2216	$377
Auto-Owners	$2292	$382
Allstate	$2773	$467
Nationwide	$4319	$720
Grinnell Mutual	$2454	$418

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 Orange City, Grange is the cheapest car insurance provider. At $157 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 Orange City is Grinnell Mutual, offering rates of around $1919 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$157	$26
Westfield	$189	$32
West Bend Mutual	$195	$33
Travelers	$211	$35
American Family	$217	$36
Progressive	$600	$101
IMT	$1076	$179
USAA	$1146	$195
West Bend	$1259	$210
Farm Bureau	$1789	$304
State Farm	$1870	$315
Nationwide	$1940	$330
Allstate	$2037	$339
Auto-Owners	$2357	$400
Grinnell Mutual	$1919	$327

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Car Insurance Rates with An Accident in Orange City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Orange City

The cheapest car insurance companies after an at-fault accident in Orange City include Hastings Mutual and Pekin, offering $103 and $125, respectively. Nationwide is an expensive provider with an average six-month premium of $2195.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$103	$17
Pekin	$125	$21
Western National	$162	$27
Westfield	$162	$27
Grange	$184	$31
Auto-Owners Insurance Co	$189	$32
West Bend Mutual	$189	$32
Grinnell Mutual	$200	$34
Travelers	$406	$68
State Farm	$454	$76
American Family	$519	$87
Progressive	$622	$105
USAA	$886	$149
Farm Bureau Mutual (IA Group)	$1108	$188
Auto-Owners	$1189	$198
West Bend	$1189	$202
IMT	$1270	$212
Farm Bureau	$1686	$287
Allstate	$1789	$301
Nationwide	$2195	$373

Orange City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Orange City IA. For example, the car insurance in Orange City after a DUI increases to $648 for a six month policy. While the rate increases by $91 for a six-month policy in the case of a speeding ticket.

Orange City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$763	$127
One Med/PIP claim	$773	$131
Not-at-fault accident	$794	$133
One comp claim	$816	$139
Two Med/PIP claims	$838	$139
Child safety restraint	$854	$146
Failure to show documents	$854	$142
Failure to wear a seat belt	$854	$146
Speeding 6 - 10 MPH over limit	$854	$142
Two comp claims	$854	$146
Driving without lights	$859	$143
Driving with expired registration	$881	$150
Failure to yield	$881	$147
Illegal turn	$881	$150
Failure to stop at a red light	$886	$147
Wrong way/wrong lane	$892	$152
Cell phone violation	$897	$149
Driving too slowly	$897	$153
Speeding 11 - 15 MPH over limit	$897	$149
Texting while driving	$897	$153
Speeding 16 - 20 MPH over limit	$903	$150
Speeding in school zone	$914	$156
Improper passing	$919	$153
Following too closely	$925	$157
At-fault accident - less than $1000	$941	$157
Passing school bus	$956	$163
Operating a vehicle without permission	$1006	$167
At-fault accident - $1000-$2000	$1022	$174
Speeding 21 - 25 MPH over limit	$1022	$170
At-fault accident - greater than $2000	$1027	$175
In 65 MPH zone	$1097	$183
Open container	$1157	$197
Racing	$1303	$217
Driving with a suspended license	$1330	$226
Reckless driving	$1362	$227
Refusal to submit to a chemical test	$1384	$236
DUI	$1411	$235
Leaving scene of an accident/hit and run	$1427	$243

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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 Orange City 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 Orange City.

The cheapest car insurance premiums in Orange City are offered by American Family at $157 for a six-month policy. However, it can be as expensive as $2114 with companies like Grinnell Mutual.

Orange City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$157	$26
Western National	$162	$27
Grange	$211	$35
Travelers	$211	$35
West Bend Mutual	$211	$35
Progressive	$584	$98
IMT	$1076	$179
USAA	$1146	$195
West Bend	$1259	$210
Farm Bureau	$1789	$304
State Farm	$1800	$303
Nationwide	$1940	$330
Allstate	$2037	$339
Auto-Owners	$2357	$400
Grinnell Mutual	$2114	$359

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 Orange City are offered by Westfield at $119. However, it can be as expensive as $1092 with companies like Grinnell Mutual for a similar six-month premium.

Cheapest Car Insurance in Orange City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$119	$20
West Bend Mutual	$140	$24
American Family	$157	$26
Western National	$162	$27
Iowa Farm Bureau	$178	$30
Travelers	$178	$30
Grange	$184	$31
State Farm	$427	$72
Progressive	$535	$90
USAA	$827	$137
IMT	$1129	$192
Farm Bureau	$1270	$212
West Bend	$1427	$243
Allstate	$1491	$248
Auto-Owners	$1562	$266
Nationwide	$1719	$287
Grinnell Mutual	$1092	$186

Car Insurance Price Trends in Orange City, Iowa

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

The average cost of full coverage in the Orange City rose by $140 in January compared to $127 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 Orange City remained steady at $26 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 Orange City?

The car insurance in Orange City is $15 per month, which is lower than the national average.

What is the cheapest car insurance in Orange City?

The cheapest car insurance in Orange City is $56 per month for full coverage.

How much is car insurance in Orange City for teenagers?

Car insurance for teenagers costs $119 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 Orange City?

The average cost of car insurance is $755 for a six-month policy. It will cost around $115 per month to insure your car in Orange City.

Is car insurance expensive in Orange City?

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

Cheapest Car Insurance Quotes in Orange City

Why you can trust Way?

How Much Is Car Insurance in Orange City

Avg. Car Insurance in Orange City

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Orange City

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Orange City Car Insurance Rates by Company

Cheap Car Insurance Companies in Orange City, IA

Way's key takeaways about car insurance in Orange City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Orange City

Cheapest Liability Coverage in Orange City, IA

Cheapest Full Coverage Car Insurance in Orange City

Cheapest Full Coverage Car Insurance Quotes in Orange City, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Orange City by Rating Factor

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

Car Insurance Premiums by Age in Orange City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Orange City,IA

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

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 Orange City

Cheapest Car Insurance Companies after an At-Fault Accident in Orange City

Orange City Car Insurance Rates by Violation

Orange City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Orange City after a DUI

Orange City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Orange City after Speeding ticket

Car Insurance Price Trends in Orange City, Iowa

Average Car Insurance Cost in Orange City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Orange City, IA

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

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