Cheapest Car Insurance Quotes in Red Oak

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Red Oak Car Insurance

^$ 19

/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 Red Oak

The car insurance rate in Red Oak is $846 for a six-month policy, which is $91 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $412, making it a popular choice for budget-conscious drivers. Rates in Red Oak 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 Red Oak

$846

Avg. Car Insurance in Iowa

$755

National Average

$1278

Cheapest Car Insurance Companies in Red Oak

1st place: West Bend Mutual

At $412 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 $466 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $493 for six months, making it the third cheapest auto insurance company in Red Oak.

Red Oak Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Red Oak, IA is West Bend Mutual, offering policies at just $412 for a six-month term. This is followed by Grange, which has an average six-month premium of $466.

At the higher end of the spectrum, Grinnell Mutual is the most expensive, with rates reaching $1344 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Red Oak drivers find the best deals.

Cheap Car Insurance Companies in Red Oak, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$412	$68
Grange	$466	$80
Travelers	$493	$83
Auto-Owners Insurance Co	$500	$85
Hastings Mutual	$512	$85
Westfield	$545	$93
IMT Insurance Company	$566	$94
American Family	$599	$101
State Farm	$738	$124
Pekin	$752	$128
Progressive	$758	$128
USAA	$765	$129
West Bend	$871	$146
Farm Bureau Mutual (IA Group)	$925	$157
IMT	$998	$167
Auto-Owners	$1131	$193
Farm Bureau	$1277	$213
Allstate	$1597	$269
Nationwide	$1677	$279
Grinnell Mutual	$1344	$224

Key Takeaways

Way's key takeaways about car insurance in Red Oak

The auto insurance costs in Red Oak fall around $412 for six months.
The cheapest auto insurance company in Red Oak is Pekin.
Teen drivers pay the highest rate in Red Oak at $514 per month.

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Cheapest Minimum Liability Car Insurance in Red Oak

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 Red Oak are given below.

Pekin provides the cheapest minimum car insurance coverage in Red Oak. Their Average 6 Month Premium is $113. Grinnell Mutual is the most expensive at $299 for the same period.

Cheapest Liability Coverage in Red Oak, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$113	$19
Westfield	$120	$20
Hastings Mutual	$127	$21
Progressive	$127	$21
West Bend Mutual	$133	$22
Grange	$147	$25
USAA	$153	$26
Farm Bureau Mutual (IA Group)	$160	$27
Auto-Owners Insurance Co	$167	$28
State Farm	$167	$28
Iowa Farm Bureau	$179	$30
IMT	$186	$31
Travelers	$186	$31
Farm Bureau	$213	$36
West Bend	$213	$36
American Family	$220	$37
Auto-Owners	$233	$39
Allstate	$439	$74
Nationwide	$525	$90
Grinnell Mutual	$299	$50

Cheapest Full Coverage Car Insurance in Red Oak

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 Red Oak is West Bend Mutual at $68 per month and $412 for six months.

Cheapest Full Coverage Car Insurance Quotes in Red Oak, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$412	$68
Grange	$466	$80
Travelers	$493	$83
Auto-Owners Insurance Co	$500	$85
Hastings Mutual	$512	$85
Westfield	$545	$93
IMT Insurance Company	$566	$94
American Family	$599	$101
State Farm	$738	$124
Pekin	$752	$128
Progressive	$758	$128
USAA	$765	$129
West Bend	$871	$146
Farm Bureau Mutual (IA Group)	$925	$157
IMT	$998	$167
Auto-Owners	$1131	$193
Farm Bureau	$1277	$213
Allstate	$1597	$269
Nationwide	$1677	$279
Grinnell Mutual	$1344	$224

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Average Car Insurance in Red Oak 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 Red Oak, IA increasing?

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

Car Insurance Premiums by Age in Red Oak

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 Red Oak,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Red Oak at $25 per month. At $3021 for a six-month premium, Grinnell Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$147	$25
Grange	$167	$28
West Bend Mutual	$179	$30
Iowa Farm Bureau	$206	$35
Travelers	$699	$118
American Family	$991	$167
USAA	$1251	$211
Progressive	$1491	$251
State Farm	$1749	$295
IMT	$1810	$301
Farm Bureau Mutual (IA Group)	$2495	$424
West Bend	$2675	$446
Farm Bureau	$2727	$464
Auto-Owners	$2821	$470
Allstate	$3413	$575
Nationwide	$5316	$886
Grinnell Mutual	$3021	$514

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 Red Oak, Grange is the cheapest car insurance provider. At $193 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 Red Oak is Grinnell Mutual, offering rates of around $2362 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$193	$32
Westfield	$233	$39
West Bend Mutual	$240	$40
Travelers	$260	$44
American Family	$267	$45
Progressive	$738	$124
IMT	$1324	$221
USAA	$1410	$240
West Bend	$1550	$259
Farm Bureau	$2202	$374
State Farm	$2302	$388
Nationwide	$2388	$407
Allstate	$2508	$418
Auto-Owners	$2901	$493
Grinnell Mutual	$2362	$402

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Car Insurance Rates with An Accident in Red Oak

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

Cheapest Car Insurance Companies after an At-Fault Accident in Red Oak

The cheapest car insurance companies after an at-fault accident in Red Oak include Hastings Mutual and Pekin, offering $127 and $153, respectively. Nationwide is an expensive provider with an average six-month premium of $2701.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$127	$21
Pekin	$153	$26
Western National	$199	$34
Westfield	$199	$34
Grange	$226	$38
Auto-Owners Insurance Co	$233	$39
West Bend Mutual	$233	$39
Grinnell Mutual	$246	$41
Travelers	$500	$84
State Farm	$559	$94
American Family	$638	$108
Progressive	$765	$129
USAA	$1091	$184
Farm Bureau Mutual (IA Group)	$1364	$232
Auto-Owners	$1464	$244
West Bend	$1464	$249
IMT	$1564	$261
Farm Bureau	$2075	$353
Allstate	$2202	$371
Nationwide	$2701	$459

Red Oak Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Red Oak IA. For example, the car insurance in Red Oak after a DUI increases to $797 for a six month policy. While the rate increases by $113 for a six-month policy in the case of a speeding ticket.

Red Oak auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$939	$157
One Med/PIP claim	$951	$161
Not-at-fault accident	$978	$164
One comp claim	$1005	$171
Two Med/PIP claims	$1032	$171
Child safety restraint	$1052	$179
Failure to show documents	$1052	$175
Failure to wear a seat belt	$1052	$179
Speeding 6 - 10 MPH over limit	$1052	$175
Two comp claims	$1052	$179
Driving without lights	$1057	$176
Driving with expired registration	$1084	$185
Failure to yield	$1084	$180
Illegal turn	$1084	$185
Failure to stop at a red light	$1091	$181
Wrong way/wrong lane	$1098	$187
Cell phone violation	$1104	$184
Driving too slowly	$1104	$188
Speeding 11 - 15 MPH over limit	$1104	$184
Texting while driving	$1104	$188
Speeding 16 - 20 MPH over limit	$1111	$185
Speeding in school zone	$1124	$192
Improper passing	$1131	$188
Following too closely	$1138	$194
At-fault accident - less than $1000	$1158	$193
Passing school bus	$1177	$200
Operating a vehicle without permission	$1238	$206
At-fault accident - $1000-$2000	$1258	$214
Speeding 21 - 25 MPH over limit	$1258	$209
At-fault accident - greater than $2000	$1264	$215
In 65 MPH zone	$1351	$225
Open container	$1424	$242
Racing	$1604	$268
Driving with a suspended license	$1636	$278
Reckless driving	$1677	$279
Refusal to submit to a chemical test	$1704	$290
DUI	$1736	$289
Leaving scene of an accident/hit and run	$1756	$299

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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 Red Oak 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 Red Oak.

The cheapest car insurance premiums in Red Oak are offered by American Family at $193 for a six-month policy. However, it can be as expensive as $2602 with companies like Grinnell Mutual.

Red Oak car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$193	$32
Western National	$199	$34
Grange	$260	$44
Travelers	$260	$44
West Bend Mutual	$260	$44
Progressive	$719	$121
IMT	$1324	$221
USAA	$1410	$240
West Bend	$1550	$259
Farm Bureau	$2202	$374
State Farm	$2215	$373
Nationwide	$2388	$407
Allstate	$2508	$418
Auto-Owners	$2901	$493
Grinnell Mutual	$2602	$442

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 Red Oak are offered by Westfield at $147. However, it can be as expensive as $1344 with companies like Grinnell Mutual for a similar six-month premium.

Cheapest Car Insurance in Red Oak after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$147	$25
West Bend Mutual	$172	$29
American Family	$193	$32
Western National	$199	$34
Iowa Farm Bureau	$220	$37
Travelers	$220	$37
Grange	$226	$38
State Farm	$525	$88
Progressive	$659	$111
USAA	$1018	$169
IMT	$1390	$236
Farm Bureau	$1564	$261
West Bend	$1756	$299
Allstate	$1836	$306
Auto-Owners	$1923	$327
Nationwide	$2116	$353
Grinnell Mutual	$1344	$228

Car Insurance Price Trends in Red Oak, Iowa

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

The average cost of full coverage in the Red Oak rose by $172 in January compared to $157 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 Red Oak remained steady at $32 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 Red Oak?

The car insurance in Red Oak is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Red Oak?

The cheapest car insurance in Red Oak is $68 per month for full coverage.

How much is car insurance in Red Oak for teenagers?

Car insurance for teenagers costs $147 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 Red Oak?

The average cost of car insurance is $755 for a six-month policy. It will cost around $141 per month to insure your car in Red Oak.

Is car insurance expensive in Red Oak?

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

Cheapest Car Insurance Quotes in Red Oak

Why you can trust Way?

How Much Is Car Insurance in Red Oak

Avg. Car Insurance in Red Oak

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Red Oak

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Red Oak Car Insurance Rates by Company

Cheap Car Insurance Companies in Red Oak, IA

Way's key takeaways about car insurance in Red Oak

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Red Oak

Cheapest Liability Coverage in Red Oak, IA

Cheapest Full Coverage Car Insurance in Red Oak

Cheapest Full Coverage Car Insurance Quotes in Red Oak, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Red Oak by Rating Factor

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

Car Insurance Premiums by Age in Red Oak

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Red Oak,IA

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

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 Red Oak

Cheapest Car Insurance Companies after an At-Fault Accident in Red Oak

Red Oak Car Insurance Rates by Violation

Red Oak auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Red Oak after a DUI

Red Oak car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Red Oak after Speeding ticket

Car Insurance Price Trends in Red Oak, Iowa

Average Car Insurance Cost in Red Oak by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Red Oak, IA

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

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