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Finding the cheapest car insurance quotes in Toddville shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Toddville
The car insurance rate in Toddville is $685 for a six-month policy, which is $14 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $361, making it a popular choice for budget-conscious drivers. Rates in Toddville 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.
At $361 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 $408 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $431
for six months, making it
the third cheapest auto insurance company in Toddville.
Toddville Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Toddville, IA is West Bend Mutual, offering policies at just $361 for a six-month term. This is followed by Grange, which has an average six-month premium of $408.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1345 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Toddville drivers find the best deals.
Way's key takeaways about car insurance in Toddville
The auto insurance costs in Toddville fall around $361 for six
months.
The cheapest auto insurance company in Toddville is Pekin.
Teen drivers pay the highest rate in Toddville at $579 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Toddville
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 Toddville are given below.
Pekin provides
the cheapest minimum car insurance
coverage in Toddville. Their Average 6 Month Premium is $99.
West Bend is the most
expensive at $123 for the same
period.
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 Toddville is West Bend Mutual
at $60 per month and $361
for six months.
Cheapest Full Coverage Car Insurance Quotes in Toddville,
IA
Get Your Car Insurance Quote in Toddville
Instantly!
Average Car Insurance in Toddville 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 Toddville, IA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Toddville, 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, Toddville's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Toddville
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Toddville,IA
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Toddville at $22
per
month. At $3406 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Toddville.
As young drivers face the highest rates in Toddville, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Toddville,
Grange is
the cheapest car insurance provider. At $169 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
Toddville is Grinnell Mutual, offering
rates of around $2067 for six
months.
Save up to $971/yr on car insurance rates in Toddville.
Car Insurance Rates with An Accident in Toddville
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 Toddville, IA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Toddville
The cheapest car insurance companies after an at-fault accident in
Toddville include Hastings Mutual
and Pekin, offering $111
and $134,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1845.
Here is a list of driving violations that can increase your car
insurance rates in Toddville IA. For example, the car
insurance in Toddville
after a DUI increases to $698 for a six
month policy. While the rate increases by $99 for a six-month policy in the case of
a speeding ticket.
Toddville auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$821
$137
One Med/PIP claim
$832
$141
Not-at-fault accident
$856
$143
One comp claim
$879
$150
Two Med/PIP claims
$903
$150
Child safety restraint
$920
$157
Failure to show documents
$920
$153
Failure to wear a seat belt
$920
$157
Speeding 6 - 10 MPH over limit
$920
$153
Two comp claims
$920
$157
Driving without lights
$925
$154
Driving with expired registration
$949
$162
Failure to yield
$949
$158
Illegal turn
$949
$162
Failure to stop at a red light
$955
$159
Wrong way/wrong lane
$960
$164
Cell phone violation
$966
$161
Driving too slowly
$966
$165
Speeding 11 - 15 MPH over limit
$966
$161
Texting while driving
$966
$165
Speeding 16 - 20 MPH over limit
$972
$162
Speeding in school zone
$984
$168
Improper passing
$990
$165
Following too closely
$996
$170
At-fault accident - less than $1000
$1013
$169
Passing school bus
$1030
$175
Operating a vehicle without permission
$1083
$180
At-fault accident - $1000-$2000
$1101
$187
Speeding 21 - 25 MPH over limit
$1101
$183
At-fault accident - greater than $2000
$1106
$188
In 65 MPH zone
$1182
$197
Open container
$1246
$212
Racing
$1403
$234
Driving with a suspended license
$1432
$243
Reckless driving
$1467
$244
Refusal to submit to a chemical test
$1491
$254
DUI
$1519
$253
Leaving scene of an accident/hit and run
$1537
$262
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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 Toddville 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 Toddville.
The cheapest car insurance premiums in
Toddville are
offered by Western National at $174 for a six-month policy.
However, it can be as
expensive as $2277 with companies
like Grinnell Mutual.
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 Toddville are offered by Westfield
at $128. However,
it can be as expensive as $1491
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Toddville after Speeding ticket
Car insurance rates in Toddville have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Toddville remained steady at $137 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Toddville remained steady at $28 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Toddville by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Toddville. At $1370 for a
six-month policy, insuring
your car at 52341 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Toddville?
The car insurance in Toddville is $17 per month, which is lower than the national average.
What is the cheapest car insurance in Toddville?
The cheapest car insurance in Toddville
is $60 per month
for full coverage.
How much is car insurance in Toddville for teenagers?
Car insurance for teenagers costs $128 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
Toddville?
The average cost of car insurance is $699 for a six-month
policy. It will cost around $115 per month to insure your
car in Toddville.
Is car insurance expensive in Toddville?
Car insurance can be expensive in Toddville if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Toddville can be
affordable.
What is the best car insurance in Toddville,
IA?
The best car insurance company in Toddville
IA is
West Bend Mutual, offering $361 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Toddville, IA
Car Insurance Rates by State in the USA (2025 Update)
Toddville Car Insurance
