Cheapest Car Insurance Quotes in Readlyn

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406,175 Policies Sold

Readlyn 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 Readlyn

The car insurance rate in Readlyn is $755 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $368, making it a popular choice for budget-conscious drivers. Rates in Readlyn 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 Readlyn

$755

Avg. Car Insurance in Iowa

$755

National Average

$1278

Cheapest Car Insurance Companies in Readlyn

1st place: West Bend Mutual

At $368 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 $416 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $440 for six months, making it the third cheapest auto insurance company in Readlyn.

Readlyn Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Readlyn, IA is West Bend Mutual, offering policies at just $368 for a six-month term. This is followed by Grange, which has an average six-month premium of $416.

At the higher end of the spectrum, Grinnell Mutual is the most expensive, with rates reaching $1200 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Readlyn drivers find the best deals.

Cheap Car Insurance Companies in Readlyn, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$368	$61
Grange	$416	$71
Travelers	$440	$74
Auto-Owners Insurance Co	$446	$76
Hastings Mutual	$457	$76
Westfield	$487	$83
IMT Insurance Company	$505	$84
American Family	$535	$90
State Farm	$659	$111
Pekin	$671	$114
Progressive	$677	$114
USAA	$683	$115
West Bend	$778	$130
Farm Bureau Mutual (IA Group)	$826	$140
IMT	$891	$149
Auto-Owners	$1010	$172
Farm Bureau	$1140	$190
Allstate	$1426	$240
Nationwide	$1497	$249
Grinnell Mutual	$1200	$200

Key Takeaways

Way's key takeaways about car insurance in Readlyn

The auto insurance costs in Readlyn fall around $368 for six months.
The cheapest auto insurance company in Readlyn is Pekin.
Teen drivers pay the highest rate in Readlyn at $459 per month.

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Cheapest Minimum Liability Car Insurance in Readlyn

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 Readlyn are given below.

Pekin provides the cheapest minimum car insurance coverage in Readlyn. Their Average 6 Month Premium is $101. Grinnell Mutual is the most expensive at $267 for the same period.

Cheapest Liability Coverage in Readlyn, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$101	$17
Westfield	$107	$18
Hastings Mutual	$113	$19
Progressive	$113	$19
West Bend Mutual	$119	$20
Grange	$131	$22
USAA	$137	$23
Farm Bureau Mutual (IA Group)	$143	$24
Auto-Owners Insurance Co	$149	$25
State Farm	$149	$25
Iowa Farm Bureau	$160	$27
IMT	$166	$28
Travelers	$166	$28
Farm Bureau	$190	$32
West Bend	$190	$32
American Family	$196	$33
Auto-Owners	$208	$35
Allstate	$392	$66
Nationwide	$469	$80
Grinnell Mutual	$267	$45

Cheapest Full Coverage Car Insurance in Readlyn

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 Readlyn is West Bend Mutual at $61 per month and $368 for six months.

Cheapest Full Coverage Car Insurance Quotes in Readlyn, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$368	$61
Grange	$416	$71
Travelers	$440	$74
Auto-Owners Insurance Co	$446	$76
Hastings Mutual	$457	$76
Westfield	$487	$83
IMT Insurance Company	$505	$84
American Family	$535	$90
State Farm	$659	$111
Pekin	$671	$114
Progressive	$677	$114
USAA	$683	$115
West Bend	$778	$130
Farm Bureau Mutual (IA Group)	$826	$140
IMT	$891	$149
Auto-Owners	$1010	$172
Farm Bureau	$1140	$190
Allstate	$1426	$240
Nationwide	$1497	$249
Grinnell Mutual	$1200	$200

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Average Car Insurance in Readlyn 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 Readlyn, IA increasing?

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

Car Insurance Premiums by Age in Readlyn

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 Readlyn,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Readlyn at $22 per month. At $2697 for a six-month premium, Grinnell Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$131	$22
Grange	$149	$25
West Bend Mutual	$160	$27
Iowa Farm Bureau	$184	$31
Travelers	$624	$105
American Family	$885	$149
USAA	$1117	$188
Progressive	$1331	$224
State Farm	$1562	$263
IMT	$1616	$269
Farm Bureau Mutual (IA Group)	$2228	$379
West Bend	$2388	$398
Farm Bureau	$2435	$414
Auto-Owners	$2519	$420
Allstate	$3047	$513
Nationwide	$4746	$791
Grinnell Mutual	$2697	$459

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 Readlyn, Grange is the cheapest car insurance provider. At $172 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 Readlyn is Grinnell Mutual, offering rates of around $2109 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$172	$29
Westfield	$208	$35
West Bend Mutual	$214	$36
Travelers	$232	$39
American Family	$238	$40
Progressive	$659	$111
IMT	$1182	$197
USAA	$1259	$214
West Bend	$1384	$231
Farm Bureau	$1966	$334
State Farm	$2055	$346
Nationwide	$2132	$363
Allstate	$2239	$373
Auto-Owners	$2590	$440
Grinnell Mutual	$2109	$359

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Save up to $971/yr on car insurance rates in Readlyn.

Car Insurance Rates with An Accident in Readlyn

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

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

The cheapest car insurance companies after an at-fault accident in Readlyn include Hastings Mutual and Pekin, offering $113 and $137, respectively. Nationwide is an expensive provider with an average six-month premium of $2412.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$113	$19
Pekin	$137	$23
Western National	$178	$30
Westfield	$178	$30
Grange	$202	$34
Auto-Owners Insurance Co	$208	$35
West Bend Mutual	$208	$35
Grinnell Mutual	$220	$37
Travelers	$446	$75
State Farm	$499	$84
American Family	$570	$96
Progressive	$683	$115
USAA	$974	$164
Farm Bureau Mutual (IA Group)	$1218	$207
Auto-Owners	$1307	$218
West Bend	$1307	$222
IMT	$1396	$233
Farm Bureau	$1853	$315
Allstate	$1966	$331
Nationwide	$2412	$410

Readlyn Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Readlyn IA. For example, the car insurance in Readlyn after a DUI increases to $712 for a six month policy. While the rate increases by $101 for a six-month policy in the case of a speeding ticket.

Readlyn auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$838	$140
One Med/PIP claim	$849	$144
Not-at-fault accident	$873	$146
One comp claim	$897	$153
Two Med/PIP claims	$921	$153
Child safety restraint	$939	$160
Failure to show documents	$939	$156
Failure to wear a seat belt	$939	$160
Speeding 6 - 10 MPH over limit	$939	$156
Two comp claims	$939	$160
Driving without lights	$944	$157
Driving with expired registration	$968	$165
Failure to yield	$968	$161
Illegal turn	$968	$165
Failure to stop at a red light	$974	$162
Wrong way/wrong lane	$980	$167
Cell phone violation	$986	$164
Driving too slowly	$986	$168
Speeding 11 - 15 MPH over limit	$986	$164
Texting while driving	$986	$168
Speeding 16 - 20 MPH over limit	$992	$165
Speeding in school zone	$1004	$171
Improper passing	$1010	$168
Following too closely	$1016	$173
At-fault accident - less than $1000	$1034	$172
Passing school bus	$1051	$179
Operating a vehicle without permission	$1105	$184
At-fault accident - $1000-$2000	$1123	$191
Speeding 21 - 25 MPH over limit	$1123	$187
At-fault accident - greater than $2000	$1129	$192
In 65 MPH zone	$1206	$201
Open container	$1271	$216
Racing	$1432	$239
Driving with a suspended license	$1461	$248
Reckless driving	$1497	$249
Refusal to submit to a chemical test	$1521	$259
DUI	$1550	$258
Leaving scene of an accident/hit and run	$1568	$267

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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 Readlyn 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 Readlyn.

The cheapest car insurance premiums in Readlyn are offered by American Family at $172 for a six-month policy. However, it can be as expensive as $2323 with companies like Grinnell Mutual.

Readlyn car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$172	$29
Western National	$178	$30
Grange	$232	$39
Travelers	$232	$39
West Bend Mutual	$232	$39
Progressive	$642	$108
IMT	$1182	$197
USAA	$1259	$214
West Bend	$1384	$231
Farm Bureau	$1966	$334
State Farm	$1978	$333
Nationwide	$2132	$363
Allstate	$2239	$373
Auto-Owners	$2590	$440
Grinnell Mutual	$2323	$395

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 Readlyn are offered by Westfield at $131. However, it can be as expensive as $1200 with companies like Grinnell Mutual for a similar six-month premium.

Cheapest Car Insurance in Readlyn after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$131	$22
West Bend Mutual	$154	$26
American Family	$172	$29
Western National	$178	$30
Iowa Farm Bureau	$196	$33
Travelers	$196	$33
Grange	$202	$34
State Farm	$469	$79
Progressive	$588	$99
USAA	$909	$151
IMT	$1241	$211
Farm Bureau	$1396	$233
West Bend	$1568	$267
Allstate	$1639	$273
Auto-Owners	$1717	$292
Nationwide	$1889	$315
Grinnell Mutual	$1200	$204

Car Insurance Price Trends in Readlyn, Iowa

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

The average cost of full coverage in the Readlyn rose by $154 in January compared to $140 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 Readlyn remained steady at $29 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 Readlyn?

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

What is the cheapest car insurance in Readlyn?

The cheapest car insurance in Readlyn is $61 per month for full coverage.

How much is car insurance in Readlyn for teenagers?

Car insurance for teenagers costs $131 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 Readlyn?

The average cost of car insurance is $755 for a six-month policy. It will cost around $126 per month to insure your car in Readlyn.

Is car insurance expensive in Readlyn?

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

Cheapest Car Insurance Quotes in Readlyn

Why you can trust Way?

How Much Is Car Insurance in Readlyn

Avg. Car Insurance in Readlyn

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Readlyn

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Readlyn Car Insurance Rates by Company

Cheap Car Insurance Companies in Readlyn, IA

Way's key takeaways about car insurance in Readlyn

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Readlyn

Cheapest Liability Coverage in Readlyn, IA

Cheapest Full Coverage Car Insurance in Readlyn

Cheapest Full Coverage Car Insurance Quotes in Readlyn, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Readlyn by Rating Factor

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

Car Insurance Premiums by Age in Readlyn

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Readlyn,IA

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

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 Readlyn

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

Readlyn Car Insurance Rates by Violation

Readlyn auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Readlyn after a DUI

Readlyn car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Readlyn after Speeding ticket

Car Insurance Price Trends in Readlyn, Iowa

Average Car Insurance Cost in Readlyn by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Readlyn, IA

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

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