Cheapest Car Insurance Quotes in Underwood

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Underwood 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 Underwood

The car insurance rate in Underwood is $776 for a six-month policy, which is $77 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $408, making it a popular choice for budget-conscious drivers. Rates in Underwood 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 Underwood

$776

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in Underwood

1st place: West Bend Mutual

At $408 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 $462 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $488 for six months, making it the third cheapest auto insurance company in Underwood.

Underwood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Underwood, IA is West Bend Mutual, offering policies at just $408 for a six-month term. This is followed by Grange, which has an average six-month premium of $462.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1523 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Underwood drivers find the best deals.

Cheap Car Insurance Companies in Underwood, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$408	$68
Grange	$462	$79
Travelers	$488	$82
Auto-Owners Insurance Co	$495	$84
Hastings Mutual	$507	$84
Westfield	$541	$92
IMT Insurance Company	$561	$93
State Farm	$666	$112
American Family	$686	$115
USAA	$731	$123
Pekin	$745	$124
Progressive	$751	$127
Auto-Owners	$910	$152
Farm Bureau Mutual (IA Group)	$917	$155
Farm Bureau	$1029	$171
Nationwide	$1220	$208
Grinnell Mutual	$1332	$222
Allstate	$1523	$256

Key Takeaways

Way's key takeaways about car insurance in Underwood

The auto insurance costs in Underwood fall around $408 for six months.
The cheapest auto insurance company in Underwood is Pekin.
Teen drivers pay the highest rate in Underwood at $656 per month.

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Cheapest Minimum Liability Car Insurance in Underwood

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 Underwood are given below.

Pekin provides the cheapest minimum car insurance coverage in Underwood. Their Average 6 Month Premium is $112. West Bend is the most expensive at $139 for the same period.

Cheapest Liability Coverage in Underwood, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$112	$19
Westfield	$119	$20
Hastings Mutual	$125	$21
Progressive	$132	$22
West Bend Mutual	$132	$22
USAA	$139	$23
Grange	$145	$24
State Farm	$145	$24
Farm Bureau Mutual (IA Group)	$159	$27
Auto-Owners Insurance Co	$165	$28
Iowa Farm Bureau	$178	$30
Travelers	$184	$31
Farm Bureau	$191	$32
American Family	$198	$33
Auto-Owners	$211	$36
Grinnell Mutual	$296	$50
Allstate	$435	$73
Nationwide	$462	$79
West Bend	$139	$23

Cheapest Full Coverage Car Insurance in Underwood

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 Underwood is West Bend Mutual at $68 per month and $408 for six months.

Cheapest Full Coverage Car Insurance Quotes in Underwood, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$408	$68
Grange	$462	$79
Travelers	$488	$82
Auto-Owners Insurance Co	$495	$84
Hastings Mutual	$507	$84
Westfield	$541	$92
IMT Insurance Company	$561	$93
State Farm	$666	$112
American Family	$686	$115
USAA	$731	$123
Pekin	$745	$124
Progressive	$751	$127
Auto-Owners	$910	$152
Farm Bureau Mutual (IA Group)	$917	$155
Farm Bureau	$1029	$171
Nationwide	$1220	$208
Grinnell Mutual	$1332	$222
Allstate	$1523	$256

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Average Car Insurance in Underwood 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 Underwood, IA increasing?

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

Car Insurance Premiums by Age in Underwood

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 Underwood,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Underwood at $24 per month. At $3857 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$145	$24
Grange	$165	$28
West Bend Mutual	$178	$30
Iowa Farm Bureau	$204	$34
Travelers	$693	$117
USAA	$864	$145
Progressive	$1299	$219
State Farm	$1477	$249
American Family	$1747	$294
Farm Bureau	$2249	$375
Farm Bureau Mutual (IA Group)	$2473	$421
Auto-Owners	$2519	$420
Grinnell Mutual	$2994	$509
Allstate	$3297	$555
Nationwide	$3857	$656

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 Underwood, Grange is the cheapest car insurance provider. At $191 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 Underwood is Grinnell Mutual, offering rates of around $2341 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$191	$32
Westfield	$231	$39
West Bend Mutual	$238	$40
Travelers	$258	$43
Progressive	$745	$125
American Family	$857	$144
State Farm	$1595	$269
Nationwide	$1740	$296
Farm Bureau	$1774	$295
Allstate	$2308	$393
Auto-Owners	$2328	$387
Grinnell Mutual	$2341	$398

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Car Insurance Rates with An Accident in Underwood

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

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

The cheapest car insurance companies after an at-fault accident in Underwood include Hastings Mutual and Pekin, offering $125 and $152, respectively. Allstate is an expensive provider with an average six-month premium of $2090.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$125	$21
Pekin	$152	$26
Western National	$198	$33
Westfield	$198	$33
Grange	$224	$38
Auto-Owners Insurance Co	$231	$39
West Bend Mutual	$231	$39
State Farm	$482	$81
Travelers	$495	$83
Progressive	$699	$118
Grinnell Mutual	$791	$133
American Family	$910	$153
USAA	$1016	$169
Auto-Owners	$1193	$203
Farm Bureau Mutual (IA Group)	$1352	$225
Farm Bureau	$1675	$285
Nationwide	$1938	$323
Allstate	$2090	$352

Underwood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Underwood IA. For example, the car insurance in Underwood after a DUI increases to $791 for a six month policy. While the rate increases by $112 for a six-month policy in the case of a speeding ticket.

Underwood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$930	$155
One Med/PIP claim	$942	$160
Not-at-fault accident	$969	$162
One comp claim	$996	$170
Two Med/PIP claims	$1022	$170
Child safety restraint	$1042	$178
Failure to show documents	$1042	$173
Failure to wear a seat belt	$1042	$178
Speeding 6 - 10 MPH over limit	$1042	$173
Two comp claims	$1042	$178
Driving without lights	$1048	$174
Driving with expired registration	$1074	$183
Failure to yield	$1074	$179
Illegal turn	$1074	$183
Failure to stop at a red light	$1081	$180
Wrong way/wrong lane	$1088	$185
Cell phone violation	$1094	$182
Driving too slowly	$1094	$186
Speeding 11 - 15 MPH over limit	$1094	$182
Texting while driving	$1094	$186
Speeding 16 - 20 MPH over limit	$1101	$183
Speeding in school zone	$1114	$190
Improper passing	$1121	$186
Following too closely	$1128	$192
At-fault accident - less than $1000	$1148	$191
Passing school bus	$1167	$199
Operating a vehicle without permission	$1227	$204
At-fault accident - $1000-$2000	$1247	$212
Speeding 21 - 25 MPH over limit	$1247	$208
At-fault accident - greater than $2000	$1253	$213
In 65 MPH zone	$1339	$223
Open container	$1411	$240
Racing	$1590	$265
Driving with a suspended license	$1622	$275
Reckless driving	$1662	$276
Refusal to submit to a chemical test	$1688	$287
DUI	$1721	$286
Leaving scene of an accident/hit and run	$1740	$296

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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 Underwood 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 Underwood.

The cheapest car insurance premiums in Underwood are offered by Western National at $198 for a six-month policy. However, it can be as expensive as $2579 with companies like Grinnell Mutual.

Underwood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$198	$33
Grange	$258	$43
Travelers	$258	$43
West Bend Mutual	$258	$43
Progressive	$495	$83
State Farm	$574	$97
American Family	$942	$159
Allstate	$2025	$344
Auto-Owners	$2156	$360
Farm Bureau	$2249	$382
Nationwide	$2413	$402
Grinnell Mutual	$2579	$438

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 Underwood are offered by Westfield at $145. However, it can be as expensive as $1688 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Underwood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$145	$24
West Bend Mutual	$171	$29
Western National	$198	$33
Iowa Farm Bureau	$218	$37
Travelers	$218	$37
Grange	$224	$38
State Farm	$376	$63
Progressive	$554	$93
American Family	$666	$112
Farm Bureau	$1260	$210
Grinnell Mutual	$1332	$226
Nationwide	$1530	$255
Auto-Owners	$1583	$269
Allstate	$1688	$281

Car Insurance Price Trends in Underwood, Iowa

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

The average cost of full coverage in the Underwood remained steady at $155 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Underwood remained steady at $32 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Underwood?

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

What is the cheapest car insurance in Underwood?

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

How much is car insurance in Underwood for teenagers?

Car insurance for teenagers costs $145 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 Underwood?

The average cost of car insurance is $699 for a six-month policy. It will cost around $130 per month to insure your car in Underwood.

Is car insurance expensive in Underwood?

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

Cheapest Car Insurance Quotes in Underwood

Why you can trust Way?

How Much Is Car Insurance in Underwood

Avg. Car Insurance in Underwood

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Underwood

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Underwood Car Insurance Rates by Company

Cheap Car Insurance Companies in Underwood, IA

Way's key takeaways about car insurance in Underwood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Underwood

Cheapest Liability Coverage in Underwood, IA

Cheapest Full Coverage Car Insurance in Underwood

Cheapest Full Coverage Car Insurance Quotes in Underwood, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Underwood by Rating Factor

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

Car Insurance Premiums by Age in Underwood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Underwood,IA

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

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 Underwood

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

Underwood Car Insurance Rates by Violation

Underwood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Underwood after a DUI

Underwood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Underwood after Speeding ticket

Car Insurance Price Trends in Underwood, Iowa

Average Car Insurance Cost in Underwood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Underwood, IA

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

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