Cheapest Car Insurance Quotes in Pilot Mound

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Pilot Mound 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 Pilot Mound

The car insurance rate in Pilot Mound is $725 for a six-month policy, which is $30 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $353, making it a popular choice for budget-conscious drivers. Rates in Pilot Mound 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 Pilot Mound

$725

Avg. Car Insurance in Iowa

$755

National Average

$1278

Cheapest Car Insurance Companies in Pilot Mound

1st place: West Bend Mutual

At $353 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 $399 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $422 for six months, making it the third cheapest auto insurance company in Pilot Mound.

Pilot Mound Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pilot Mound, IA is West Bend Mutual, offering policies at just $353 for a six-month term. This is followed by Grange, which has an average six-month premium of $399.

At the higher end of the spectrum, Grinnell Mutual is the most expensive, with rates reaching $1152 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pilot Mound drivers find the best deals.

Cheap Car Insurance Companies in Pilot Mound, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$353	$59
Grange	$399	$68
Travelers	$422	$71
Auto-Owners Insurance Co	$428	$73
Hastings Mutual	$439	$73
Westfield	$468	$80
IMT Insurance Company	$485	$81
American Family	$514	$86
State Farm	$633	$107
Pekin	$644	$109
Progressive	$650	$109
USAA	$656	$110
West Bend	$747	$125
Farm Bureau Mutual (IA Group)	$793	$134
IMT	$855	$143
Auto-Owners	$970	$165
Farm Bureau	$1094	$182
Allstate	$1369	$230
Nationwide	$1437	$239
Grinnell Mutual	$1152	$192

Key Takeaways

Way's key takeaways about car insurance in Pilot Mound

The auto insurance costs in Pilot Mound fall around $353 for six months.
The cheapest auto insurance company in Pilot Mound is Pekin.
Teen drivers pay the highest rate in Pilot Mound at $441 per month.

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Cheapest Minimum Liability Car Insurance in Pilot Mound

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 Pilot Mound are given below.

Pekin provides the cheapest minimum car insurance coverage in Pilot Mound. Their Average 6 Month Premium is $97. Grinnell Mutual is the most expensive at $256 for the same period.

Cheapest Liability Coverage in Pilot Mound, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$97	$16
Westfield	$103	$17
Hastings Mutual	$108	$18
Progressive	$108	$18
West Bend Mutual	$114	$19
Grange	$126	$21
USAA	$132	$22
Farm Bureau Mutual (IA Group)	$137	$23
Auto-Owners Insurance Co	$143	$24
State Farm	$143	$24
Iowa Farm Bureau	$154	$26
IMT	$159	$27
Travelers	$159	$27
Farm Bureau	$182	$31
West Bend	$182	$31
American Family	$188	$32
Auto-Owners	$200	$34
Allstate	$376	$63
Nationwide	$450	$77
Grinnell Mutual	$256	$43

Cheapest Full Coverage Car Insurance in Pilot Mound

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 Pilot Mound is West Bend Mutual at $59 per month and $353 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pilot Mound, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$353	$59
Grange	$399	$68
Travelers	$422	$71
Auto-Owners Insurance Co	$428	$73
Hastings Mutual	$439	$73
Westfield	$468	$80
IMT Insurance Company	$485	$81
American Family	$514	$86
State Farm	$633	$107
Pekin	$644	$109
Progressive	$650	$109
USAA	$656	$110
West Bend	$747	$125
Farm Bureau Mutual (IA Group)	$793	$134
IMT	$855	$143
Auto-Owners	$970	$165
Farm Bureau	$1094	$182
Allstate	$1369	$230
Nationwide	$1437	$239
Grinnell Mutual	$1152	$192

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Average Car Insurance in Pilot Mound 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 Pilot Mound, IA increasing?

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

Car Insurance Premiums by Age in Pilot Mound

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 Pilot Mound,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Pilot Mound at $21 per month. At $2589 for a six-month premium, Grinnell Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$126	$21
Grange	$143	$24
West Bend Mutual	$154	$26
Iowa Farm Bureau	$177	$30
Travelers	$599	$101
American Family	$850	$143
USAA	$1072	$180
Progressive	$1278	$215
State Farm	$1500	$252
IMT	$1551	$258
Farm Bureau Mutual (IA Group)	$2139	$364
West Bend	$2292	$382
Farm Bureau	$2338	$397
Auto-Owners	$2418	$403
Allstate	$2925	$492
Nationwide	$4556	$759
Grinnell Mutual	$2589	$441

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 Pilot Mound, Grange is the cheapest car insurance provider. At $165 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 Pilot Mound is Grinnell Mutual, offering rates of around $2025 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$165	$28
Westfield	$200	$34
West Bend Mutual	$205	$35
Travelers	$223	$37
American Family	$228	$38
Progressive	$633	$107
IMT	$1135	$189
USAA	$1209	$205
West Bend	$1329	$222
Farm Bureau	$1887	$321
State Farm	$1973	$332
Nationwide	$2047	$348
Allstate	$2149	$358
Auto-Owners	$2486	$422
Grinnell Mutual	$2025	$345

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Car Insurance Rates with An Accident in Pilot Mound

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

Cheapest Car Insurance Companies after an At-Fault Accident in Pilot Mound

The cheapest car insurance companies after an at-fault accident in Pilot Mound include Hastings Mutual and Pekin, offering $108 and $132, respectively. Nationwide is an expensive provider with an average six-month premium of $2316.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$108	$18
Pekin	$132	$22
Western National	$171	$29
Westfield	$171	$29
Grange	$194	$33
Auto-Owners Insurance Co	$200	$34
West Bend Mutual	$200	$34
Grinnell Mutual	$211	$36
Travelers	$428	$72
State Farm	$479	$81
American Family	$547	$92
Progressive	$656	$110
USAA	$935	$157
Farm Bureau Mutual (IA Group)	$1169	$199
Auto-Owners	$1255	$209
West Bend	$1255	$213
IMT	$1340	$224
Farm Bureau	$1779	$302
Allstate	$1887	$318
Nationwide	$2316	$394

Pilot Mound Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pilot Mound IA. For example, the car insurance in Pilot Mound after a DUI increases to $684 for a six month policy. While the rate increases by $97 for a six-month policy in the case of a speeding ticket.

Pilot Mound auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$804	$134
One Med/PIP claim	$815	$138
Not-at-fault accident	$838	$140
One comp claim	$861	$147
Two Med/PIP claims	$884	$147
Child safety restraint	$901	$154
Failure to show documents	$901	$150
Failure to wear a seat belt	$901	$154
Speeding 6 - 10 MPH over limit	$901	$150
Two comp claims	$901	$154
Driving without lights	$906	$151
Driving with expired registration	$929	$158
Failure to yield	$929	$155
Illegal turn	$929	$158
Failure to stop at a red light	$935	$156
Wrong way/wrong lane	$941	$160
Cell phone violation	$947	$157
Driving too slowly	$947	$161
Speeding 11 - 15 MPH over limit	$947	$157
Texting while driving	$947	$161
Speeding 16 - 20 MPH over limit	$952	$158
Speeding in school zone	$964	$164
Improper passing	$970	$161
Following too closely	$975	$166
At-fault accident - less than $1000	$993	$165
Passing school bus	$1009	$172
Operating a vehicle without permission	$1061	$177
At-fault accident - $1000-$2000	$1078	$183
Speeding 21 - 25 MPH over limit	$1078	$180
At-fault accident - greater than $2000	$1084	$184
In 65 MPH zone	$1158	$193
Open container	$1220	$207
Racing	$1375	$229
Driving with a suspended license	$1403	$238
Reckless driving	$1437	$239
Refusal to submit to a chemical test	$1460	$249
DUI	$1488	$248
Leaving scene of an accident/hit and run	$1505	$256

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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 Pilot Mound 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 Pilot Mound.

The cheapest car insurance premiums in Pilot Mound are offered by American Family at $165 for a six-month policy. However, it can be as expensive as $2230 with companies like Grinnell Mutual.

Pilot Mound car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$165	$28
Western National	$171	$29
Grange	$223	$37
Travelers	$223	$37
West Bend Mutual	$223	$37
Progressive	$616	$104
IMT	$1135	$189
USAA	$1209	$205
West Bend	$1329	$222
Farm Bureau	$1887	$321
State Farm	$1899	$320
Nationwide	$2047	$348
Allstate	$2149	$358
Auto-Owners	$2486	$422
Grinnell Mutual	$2230	$379

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 Pilot Mound are offered by Westfield at $126. However, it can be as expensive as $1152 with companies like Grinnell Mutual for a similar six-month premium.

Cheapest Car Insurance in Pilot Mound after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$126	$21
West Bend Mutual	$148	$25
American Family	$165	$28
Western National	$171	$29
Iowa Farm Bureau	$188	$32
Travelers	$188	$32
Grange	$194	$33
State Farm	$450	$76
Progressive	$564	$95
USAA	$873	$145
IMT	$1191	$203
Farm Bureau	$1340	$224
West Bend	$1505	$256
Allstate	$1573	$262
Auto-Owners	$1648	$280
Nationwide	$1813	$302
Grinnell Mutual	$1152	$196

Car Insurance Price Trends in Pilot Mound, Iowa

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

The average cost of full coverage in the Pilot Mound rose by $148 in January compared to $134 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 Pilot Mound 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 Pilot Mound?

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

What is the cheapest car insurance in Pilot Mound?

The cheapest car insurance in Pilot Mound is $59 per month for full coverage.

How much is car insurance in Pilot Mound for teenagers?

Car insurance for teenagers costs $126 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 Pilot Mound?

The average cost of car insurance is $755 for a six-month policy. It will cost around $121 per month to insure your car in Pilot Mound.

Is car insurance expensive in Pilot Mound?

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

Cheapest Car Insurance Quotes in Pilot Mound

Why you can trust Way?

How Much Is Car Insurance in Pilot Mound

Avg. Car Insurance in Pilot Mound

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Pilot Mound

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Pilot Mound Car Insurance Rates by Company

Cheap Car Insurance Companies in Pilot Mound, IA

Way's key takeaways about car insurance in Pilot Mound

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Pilot Mound

Cheapest Liability Coverage in Pilot Mound, IA

Cheapest Full Coverage Car Insurance in Pilot Mound

Cheapest Full Coverage Car Insurance Quotes in Pilot Mound, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Pilot Mound by Rating Factor

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

Car Insurance Premiums by Age in Pilot Mound

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Pilot Mound,IA

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

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 Pilot Mound

Cheapest Car Insurance Companies after an At-Fault Accident in Pilot Mound

Pilot Mound Car Insurance Rates by Violation

Pilot Mound auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Pilot Mound after a DUI

Pilot Mound car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Pilot Mound after Speeding ticket

Car Insurance Price Trends in Pilot Mound, Iowa

Average Car Insurance Cost in Pilot Mound by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Pilot Mound, IA

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

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