Cheapest Car Insurance Quotes in Swea City

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Swea City 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 Swea City

The car insurance rate in Swea City is $695 for a six-month policy, which is $60 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $339, making it a popular choice for budget-conscious drivers. Rates in Swea 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 Swea City

$695

Avg. Car Insurance in Iowa

$755

National Average

$1278

Cheapest Car Insurance Companies in Swea City

1st place: West Bend Mutual

At $339 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 $383 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $405 for six months, making it the third cheapest auto insurance company in Swea City.

Swea City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Swea City, IA is West Bend Mutual, offering policies at just $339 for a six-month term. This is followed by Grange, which has an average six-month premium of $383.

At the higher end of the spectrum, Grinnell Mutual is the most expensive, with rates reaching $1104 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Swea City drivers find the best deals.

Cheap Car Insurance Companies in Swea City, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$339	$56
Grange	$383	$65
Travelers	$405	$68
Auto-Owners Insurance Co	$410	$70
Hastings Mutual	$420	$70
Westfield	$448	$76
IMT Insurance Company	$465	$77
American Family	$492	$83
State Farm	$606	$102
Pekin	$617	$105
Progressive	$623	$105
USAA	$628	$106
West Bend	$716	$120
Farm Bureau Mutual (IA Group)	$760	$129
IMT	$820	$137
Auto-Owners	$929	$158
Farm Bureau	$1049	$175
Allstate	$1312	$221
Nationwide	$1377	$229
Grinnell Mutual	$1104	$184

Key Takeaways

Way's key takeaways about car insurance in Swea City

The auto insurance costs in Swea City fall around $339 for six months.
The cheapest auto insurance company in Swea City is Pekin.
Teen drivers pay the highest rate in Swea City at $422 per month.

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Cheapest Minimum Liability Car Insurance in Swea 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 Swea City are given below.

Pekin provides the cheapest minimum car insurance coverage in Swea City. Their Average 6 Month Premium is $93. Grinnell Mutual is the most expensive at $246 for the same period.

Cheapest Liability Coverage in Swea City, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$93	$16
Westfield	$98	$17
Hastings Mutual	$104	$17
Progressive	$104	$17
West Bend Mutual	$109	$18
Grange	$121	$20
USAA	$126	$21
Farm Bureau Mutual (IA Group)	$132	$22
Auto-Owners Insurance Co	$137	$23
State Farm	$137	$23
Iowa Farm Bureau	$147	$25
IMT	$153	$26
Travelers	$153	$26
Farm Bureau	$175	$29
West Bend	$175	$29
American Family	$180	$30
Auto-Owners	$191	$32
Allstate	$361	$61
Nationwide	$431	$74
Grinnell Mutual	$246	$41

Cheapest Full Coverage Car Insurance in Swea 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 Swea City is West Bend Mutual at $56 per month and $339 for six months.

Cheapest Full Coverage Car Insurance Quotes in Swea City, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$339	$56
Grange	$383	$65
Travelers	$405	$68
Auto-Owners Insurance Co	$410	$70
Hastings Mutual	$420	$70
Westfield	$448	$76
IMT Insurance Company	$465	$77
American Family	$492	$83
State Farm	$606	$102
Pekin	$617	$105
Progressive	$623	$105
USAA	$628	$106
West Bend	$716	$120
Farm Bureau Mutual (IA Group)	$760	$129
IMT	$820	$137
Auto-Owners	$929	$158
Farm Bureau	$1049	$175
Allstate	$1312	$221
Nationwide	$1377	$229
Grinnell Mutual	$1104	$184

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Average Car Insurance in Swea 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 Swea City, IA increasing?

Despite maintaining a clean driving record, your car insurance rates in Swea 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, Swea 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 Swea 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 Swea City,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Swea City at $20 per month. At $2481 for a six-month premium, Grinnell Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$121	$20
Grange	$137	$23
West Bend Mutual	$147	$25
Iowa Farm Bureau	$169	$29
Travelers	$574	$97
American Family	$814	$137
USAA	$1028	$173
Progressive	$1225	$206
State Farm	$1437	$242
IMT	$1487	$247
Farm Bureau Mutual (IA Group)	$2050	$349
West Bend	$2197	$366
Farm Bureau	$2240	$381
Auto-Owners	$2317	$386
Allstate	$2803	$472
Nationwide	$4366	$728
Grinnell Mutual	$2481	$422

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 Swea City, Grange is the cheapest car insurance provider. At $158 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 Swea City is Grinnell Mutual, offering rates of around $1940 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$158	$27
Westfield	$191	$32
West Bend Mutual	$197	$33
Travelers	$213	$36
American Family	$219	$37
Progressive	$606	$102
IMT	$1087	$181
USAA	$1158	$197
West Bend	$1273	$213
Farm Bureau	$1809	$307
State Farm	$1891	$318
Nationwide	$1961	$334
Allstate	$2060	$343
Auto-Owners	$2383	$405
Grinnell Mutual	$1940	$330

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Car Insurance Rates with An Accident in Swea 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 Swea City, IA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Swea City include Hastings Mutual and Pekin, offering $104 and $126, respectively. Nationwide is an expensive provider with an average six-month premium of $2219.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$104	$17
Pekin	$126	$21
Western National	$164	$28
Westfield	$164	$28
Grange	$186	$31
Auto-Owners Insurance Co	$191	$32
West Bend Mutual	$191	$32
Grinnell Mutual	$202	$34
Travelers	$410	$69
State Farm	$459	$77
American Family	$524	$88
Progressive	$628	$106
USAA	$896	$151
Farm Bureau Mutual (IA Group)	$1121	$190
Auto-Owners	$1202	$201
West Bend	$1202	$204
IMT	$1284	$214
Farm Bureau	$1705	$290
Allstate	$1809	$305
Nationwide	$2219	$377

Swea City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Swea City IA. For example, the car insurance in Swea City after a DUI increases to $655 for a six month policy. While the rate increases by $93 for a six-month policy in the case of a speeding ticket.

Swea City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$771	$129
One Med/PIP claim	$781	$132
Not-at-fault accident	$803	$134
One comp claim	$825	$141
Two Med/PIP claims	$847	$141
Child safety restraint	$864	$147
Failure to show documents	$864	$144
Failure to wear a seat belt	$864	$147
Speeding 6 - 10 MPH over limit	$864	$144
Two comp claims	$864	$147
Driving without lights	$868	$144
Driving with expired registration	$891	$152
Failure to yield	$891	$148
Illegal turn	$891	$152
Failure to stop at a red light	$896	$149
Wrong way/wrong lane	$902	$154
Cell phone violation	$907	$151
Driving too slowly	$907	$155
Speeding 11 - 15 MPH over limit	$907	$151
Texting while driving	$907	$155
Speeding 16 - 20 MPH over limit	$913	$152
Speeding in school zone	$924	$157
Improper passing	$929	$155
Following too closely	$935	$159
At-fault accident - less than $1000	$951	$158
Passing school bus	$967	$165
Operating a vehicle without permission	$1017	$169
At-fault accident - $1000-$2000	$1033	$176
Speeding 21 - 25 MPH over limit	$1033	$172
At-fault accident - greater than $2000	$1039	$177
In 65 MPH zone	$1110	$185
Open container	$1169	$199
Racing	$1317	$220
Driving with a suspended license	$1344	$228
Reckless driving	$1377	$229
Refusal to submit to a chemical test	$1399	$238
DUI	$1426	$237
Leaving scene of an accident/hit and run	$1443	$246

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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 Swea 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 Swea City.

The cheapest car insurance premiums in Swea City are offered by American Family at $158 for a six-month policy. However, it can be as expensive as $2137 with companies like Grinnell Mutual.

Swea City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$158	$27
Western National	$164	$28
Grange	$213	$36
Travelers	$213	$36
West Bend Mutual	$213	$36
Progressive	$591	$99
IMT	$1087	$181
USAA	$1158	$197
West Bend	$1273	$213
Farm Bureau	$1809	$307
State Farm	$1820	$306
Nationwide	$1961	$334
Allstate	$2060	$343
Auto-Owners	$2383	$405
Grinnell Mutual	$2137	$363

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 Swea City are offered by Westfield at $121. However, it can be as expensive as $1104 with companies like Grinnell Mutual for a similar six-month premium.

Cheapest Car Insurance in Swea City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$121	$20
West Bend Mutual	$142	$24
American Family	$158	$27
Western National	$164	$28
Iowa Farm Bureau	$180	$30
Travelers	$180	$30
Grange	$186	$31
State Farm	$431	$73
Progressive	$541	$91
USAA	$836	$139
IMT	$1142	$194
Farm Bureau	$1284	$214
West Bend	$1443	$246
Allstate	$1508	$251
Auto-Owners	$1580	$269
Nationwide	$1738	$290
Grinnell Mutual	$1104	$188

Car Insurance Price Trends in Swea City, Iowa

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

The average cost of full coverage in the Swea City rose by $142 in January compared to $129 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 Swea City remained steady at $27 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 Swea City?

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

What is the cheapest car insurance in Swea City?

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

How much is car insurance in Swea City for teenagers?

Car insurance for teenagers costs $121 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 Swea City?

The average cost of car insurance is $755 for a six-month policy. It will cost around $116 per month to insure your car in Swea City.

Is car insurance expensive in Swea City?

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

Cheapest Car Insurance Quotes in Swea City

Why you can trust Way?

How Much Is Car Insurance in Swea City

Avg. Car Insurance in Swea City

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Swea City

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Swea City Car Insurance Rates by Company

Cheap Car Insurance Companies in Swea City, IA

Way's key takeaways about car insurance in Swea City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Swea City

Cheapest Liability Coverage in Swea City, IA

Cheapest Full Coverage Car Insurance in Swea City

Cheapest Full Coverage Car Insurance Quotes in Swea City, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Swea City by Rating Factor

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

Car Insurance Premiums by Age in Swea City

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Swea City Car Insurance Rates by Violation

Swea City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Swea City after a DUI

Swea City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Swea City after Speeding ticket

Car Insurance Price Trends in Swea City, Iowa

Average Car Insurance Cost in Swea City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Swea City, IA

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

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