Cheapest Car Insurance Quotes in Unionville

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406,175 Policies Sold

Unionville Car Insurance

^$ 18

/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 Unionville

The car insurance rate in Unionville is $800 for a six-month policy, which is $45 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $390, making it a popular choice for budget-conscious drivers. Rates in Unionville 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 Unionville

$800

Avg. Car Insurance in Iowa

$755

National Average

$1278

Cheapest Car Insurance Companies in Unionville

1st place: West Bend Mutual

At $390 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 $441 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $466 for six months, making it the third cheapest auto insurance company in Unionville.

Unionville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Unionville, IA is West Bend Mutual, offering policies at just $390 for a six-month term. This is followed by Grange, which has an average six-month premium of $441.

At the higher end of the spectrum, Grinnell Mutual is the most expensive, with rates reaching $1272 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Unionville drivers find the best deals.

Cheap Car Insurance Companies in Unionville, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$390	$65
Grange	$441	$75
Travelers	$466	$78
Auto-Owners Insurance Co	$473	$81
Hastings Mutual	$484	$81
Westfield	$516	$88
IMT Insurance Company	$535	$89
American Family	$567	$95
State Farm	$699	$118
Pekin	$711	$121
Progressive	$718	$121
USAA	$724	$122
West Bend	$825	$138
Farm Bureau Mutual (IA Group)	$876	$148
IMT	$944	$158
Auto-Owners	$1071	$182
Farm Bureau	$1208	$201
Allstate	$1512	$254
Nationwide	$1587	$264
Grinnell Mutual	$1272	$212

Key Takeaways

Way's key takeaways about car insurance in Unionville

The auto insurance costs in Unionville fall around $390 for six months.
The cheapest auto insurance company in Unionville is Pekin.
Teen drivers pay the highest rate in Unionville at $487 per month.

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Cheapest Minimum Liability Car Insurance in Unionville

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 Unionville are given below.

Pekin provides the cheapest minimum car insurance coverage in Unionville. Their Average 6 Month Premium is $107. Grinnell Mutual is the most expensive at $283 for the same period.

Cheapest Liability Coverage in Unionville, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$107	$18
Westfield	$113	$19
Hastings Mutual	$120	$20
Progressive	$120	$20
West Bend Mutual	$126	$21
Grange	$139	$23
USAA	$145	$24
Farm Bureau Mutual (IA Group)	$152	$25
Auto-Owners Insurance Co	$158	$27
State Farm	$158	$27
Iowa Farm Bureau	$170	$29
IMT	$176	$30
Travelers	$176	$30
Farm Bureau	$201	$34
West Bend	$201	$34
American Family	$208	$35
Auto-Owners	$220	$37
Allstate	$416	$70
Nationwide	$497	$85
Grinnell Mutual	$283	$48

Cheapest Full Coverage Car Insurance in Unionville

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 Unionville is West Bend Mutual at $65 per month and $390 for six months.

Cheapest Full Coverage Car Insurance Quotes in Unionville, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$390	$65
Grange	$441	$75
Travelers	$466	$78
Auto-Owners Insurance Co	$473	$81
Hastings Mutual	$484	$81
Westfield	$516	$88
IMT Insurance Company	$535	$89
American Family	$567	$95
State Farm	$699	$118
Pekin	$711	$121
Progressive	$718	$121
USAA	$724	$122
West Bend	$825	$138
Farm Bureau Mutual (IA Group)	$876	$148
IMT	$944	$158
Auto-Owners	$1071	$182
Farm Bureau	$1208	$201
Allstate	$1512	$254
Nationwide	$1587	$264
Grinnell Mutual	$1272	$212

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Average Car Insurance in Unionville 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 Unionville, IA increasing?

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

Car Insurance Premiums by Age in Unionville

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 Unionville,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Unionville at $23 per month. At $2859 for a six-month premium, Grinnell Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$139	$23
Grange	$158	$27
West Bend Mutual	$170	$29
Iowa Farm Bureau	$195	$33
Travelers	$661	$111
American Family	$938	$158
USAA	$1184	$199
Progressive	$1411	$237
State Farm	$1656	$279
IMT	$1713	$285
Farm Bureau Mutual (IA Group)	$2362	$402
West Bend	$2531	$422
Farm Bureau	$2581	$439
Auto-Owners	$2670	$445
Allstate	$3230	$544
Nationwide	$5031	$838
Grinnell Mutual	$2859	$487

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 Unionville, Grange is the cheapest car insurance provider. At $182 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 Unionville is Grinnell Mutual, offering rates of around $2236 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$182	$31
Westfield	$220	$37
West Bend Mutual	$227	$38
Travelers	$246	$41
American Family	$252	$42
Progressive	$699	$118
IMT	$1253	$209
USAA	$1335	$227
West Bend	$1467	$245
Farm Bureau	$2084	$354
State Farm	$2178	$367
Nationwide	$2260	$385
Allstate	$2373	$395
Auto-Owners	$2745	$466
Grinnell Mutual	$2236	$381

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Car Insurance Rates with An Accident in Unionville

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

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

The cheapest car insurance companies after an at-fault accident in Unionville include Hastings Mutual and Pekin, offering $120 and $145, respectively. Nationwide is an expensive provider with an average six-month premium of $2557.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$120	$20
Pekin	$145	$24
Western National	$189	$32
Westfield	$189	$32
Grange	$214	$36
Auto-Owners Insurance Co	$220	$37
West Bend Mutual	$220	$37
Grinnell Mutual	$233	$39
Travelers	$473	$80
State Farm	$529	$89
American Family	$604	$102
Progressive	$724	$122
USAA	$1032	$174
Farm Bureau Mutual (IA Group)	$1291	$219
Auto-Owners	$1385	$231
West Bend	$1385	$235
IMT	$1480	$247
Farm Bureau	$1964	$334
Allstate	$2084	$351
Nationwide	$2557	$435

Unionville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Unionville IA. For example, the car insurance in Unionville after a DUI increases to $755 for a six month policy. While the rate increases by $107 for a six-month policy in the case of a speeding ticket.

Unionville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$888	$148
One Med/PIP claim	$900	$153
Not-at-fault accident	$925	$155
One comp claim	$951	$162
Two Med/PIP claims	$976	$162
Child safety restraint	$995	$170
Failure to show documents	$995	$165
Failure to wear a seat belt	$995	$170
Speeding 6 - 10 MPH over limit	$995	$165
Two comp claims	$995	$170
Driving without lights	$1001	$166
Driving with expired registration	$1026	$175
Failure to yield	$1026	$171
Illegal turn	$1026	$175
Failure to stop at a red light	$1032	$172
Wrong way/wrong lane	$1039	$177
Cell phone violation	$1045	$174
Driving too slowly	$1045	$178
Speeding 11 - 15 MPH over limit	$1045	$174
Texting while driving	$1045	$178
Speeding 16 - 20 MPH over limit	$1052	$175
Speeding in school zone	$1064	$181
Improper passing	$1071	$178
Following too closely	$1077	$183
At-fault accident - less than $1000	$1096	$182
Passing school bus	$1114	$190
Operating a vehicle without permission	$1171	$195
At-fault accident - $1000-$2000	$1190	$202
Speeding 21 - 25 MPH over limit	$1190	$198
At-fault accident - greater than $2000	$1197	$204
In 65 MPH zone	$1278	$213
Open container	$1347	$229
Racing	$1518	$253
Driving with a suspended license	$1549	$263
Reckless driving	$1587	$264
Refusal to submit to a chemical test	$1612	$275
DUI	$1643	$273
Leaving scene of an accident/hit and run	$1662	$283

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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 Unionville 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 Unionville.

The cheapest car insurance premiums in Unionville are offered by American Family at $182 for a six-month policy. However, it can be as expensive as $2462 with companies like Grinnell Mutual.

Unionville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$182	$31
Western National	$189	$32
Grange	$246	$41
Travelers	$246	$41
West Bend Mutual	$246	$41
Progressive	$681	$114
IMT	$1253	$209
USAA	$1335	$227
West Bend	$1467	$245
Farm Bureau	$2084	$354
State Farm	$2097	$353
Nationwide	$2260	$385
Allstate	$2373	$395
Auto-Owners	$2745	$466
Grinnell Mutual	$2462	$419

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 Unionville are offered by Westfield at $139. However, it can be as expensive as $1272 with companies like Grinnell Mutual for a similar six-month premium.

Cheapest Car Insurance in Unionville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$139	$23
West Bend Mutual	$163	$28
American Family	$182	$31
Western National	$189	$32
Iowa Farm Bureau	$208	$35
Travelers	$208	$35
Grange	$214	$36
State Farm	$497	$84
Progressive	$623	$105
USAA	$964	$160
IMT	$1315	$224
Farm Bureau	$1480	$247
West Bend	$1662	$283
Allstate	$1737	$289
Auto-Owners	$1820	$310
Nationwide	$2002	$334
Grinnell Mutual	$1272	$216

Car Insurance Price Trends in Unionville, Iowa

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

The average cost of full coverage in the Unionville rose by $163 in January compared to $148 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 Unionville remained steady at $31 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 Unionville?

The car insurance in Unionville is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Unionville?

The cheapest car insurance in Unionville is $65 per month for full coverage.

How much is car insurance in Unionville for teenagers?

Car insurance for teenagers costs $139 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 Unionville?

The average cost of car insurance is $755 for a six-month policy. It will cost around $134 per month to insure your car in Unionville.

Is car insurance expensive in Unionville?

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

Cheapest Car Insurance Quotes in Unionville

Why you can trust Way?

How Much Is Car Insurance in Unionville

Avg. Car Insurance in Unionville

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Unionville

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Unionville Car Insurance Rates by Company

Cheap Car Insurance Companies in Unionville, IA

Way's key takeaways about car insurance in Unionville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Unionville

Cheapest Liability Coverage in Unionville, IA

Cheapest Full Coverage Car Insurance in Unionville

Cheapest Full Coverage Car Insurance Quotes in Unionville, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Unionville by Rating Factor

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

Car Insurance Premiums by Age in Unionville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Unionville,IA

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

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 Unionville

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

Unionville Car Insurance Rates by Violation

Unionville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Unionville after a DUI

Unionville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Unionville after Speeding ticket

Car Insurance Price Trends in Unionville, Iowa

Average Car Insurance Cost in Unionville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Unionville, IA

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

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