Cheapest Car Insurance Quotes in Villisca

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Villisca Car Insurance

^$ 20

/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 Villisca

The car insurance rate in Villisca is $818 for a six-month policy, which is $119 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $431, making it a popular choice for budget-conscious drivers. Rates in Villisca 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 Villisca

$818

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in Villisca

1st place: West Bend Mutual

At $431 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 $487 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $515 for six months, making it the third cheapest auto insurance company in Villisca.

Villisca Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Villisca, IA is West Bend Mutual, offering policies at just $431 for a six-month term. This is followed by Grange, which has an average six-month premium of $487.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1605 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Villisca drivers find the best deals.

Cheap Car Insurance Companies in Villisca, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$431	$71
Grange	$487	$83
Travelers	$515	$87
Auto-Owners Insurance Co	$522	$89
Hastings Mutual	$535	$89
Westfield	$570	$97
IMT Insurance Company	$591	$98
State Farm	$702	$118
American Family	$723	$122
USAA	$771	$130
Pekin	$785	$131
Progressive	$792	$133
Auto-Owners	$959	$160
Farm Bureau Mutual (IA Group)	$966	$164
Farm Bureau	$1085	$180
Nationwide	$1286	$219
Grinnell Mutual	$1404	$234
Allstate	$1605	$270

Key Takeaways

Way's key takeaways about car insurance in Villisca

The auto insurance costs in Villisca fall around $431 for six months.
The cheapest auto insurance company in Villisca is Pekin.
Teen drivers pay the highest rate in Villisca at $691 per month.

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Cheapest Minimum Liability Car Insurance in Villisca

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 Villisca are given below.

Pekin provides the cheapest minimum car insurance coverage in Villisca. Their Average 6 Month Premium is $118. West Bend is the most expensive at $146 for the same period.

Cheapest Liability Coverage in Villisca, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$118	$20
Westfield	$125	$21
Hastings Mutual	$132	$22
Progressive	$139	$23
West Bend Mutual	$139	$23
USAA	$146	$25
Grange	$153	$26
State Farm	$153	$26
Farm Bureau Mutual (IA Group)	$167	$28
Auto-Owners Insurance Co	$174	$29
Iowa Farm Bureau	$187	$32
Travelers	$194	$33
Farm Bureau	$201	$34
American Family	$208	$35
Auto-Owners	$222	$37
Grinnell Mutual	$312	$53
Allstate	$459	$77
Nationwide	$487	$83
West Bend	$146	$25

Cheapest Full Coverage Car Insurance in Villisca

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 Villisca is West Bend Mutual at $71 per month and $431 for six months.

Cheapest Full Coverage Car Insurance Quotes in Villisca, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$431	$71
Grange	$487	$83
Travelers	$515	$87
Auto-Owners Insurance Co	$522	$89
Hastings Mutual	$535	$89
Westfield	$570	$97
IMT Insurance Company	$591	$98
State Farm	$702	$118
American Family	$723	$122
USAA	$771	$130
Pekin	$785	$131
Progressive	$792	$133
Auto-Owners	$959	$160
Farm Bureau Mutual (IA Group)	$966	$164
Farm Bureau	$1085	$180
Nationwide	$1286	$219
Grinnell Mutual	$1404	$234
Allstate	$1605	$270

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Average Car Insurance in Villisca 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 Villisca, IA increasing?

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

Car Insurance Premiums by Age in Villisca

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 Villisca,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Villisca at $26 per month. At $4066 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$153	$26
Grange	$174	$29
West Bend Mutual	$187	$32
Iowa Farm Bureau	$215	$36
Travelers	$730	$123
USAA	$910	$153
Progressive	$1369	$230
State Farm	$1557	$262
American Family	$1842	$310
Farm Bureau	$2370	$395
Farm Bureau Mutual (IA Group)	$2607	$443
Auto-Owners	$2655	$442
Grinnell Mutual	$3155	$537
Allstate	$3475	$585
Nationwide	$4066	$691

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 Villisca, Grange is the cheapest car insurance provider. At $201 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 Villisca is Grinnell Mutual, offering rates of around $2468 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$201	$34
Westfield	$243	$41
West Bend Mutual	$250	$42
Travelers	$271	$46
Progressive	$785	$132
American Family	$903	$152
State Farm	$1681	$283
Nationwide	$1835	$312
Farm Bureau	$1870	$311
Allstate	$2432	$414
Auto-Owners	$2453	$408
Grinnell Mutual	$2468	$420

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Car Insurance Rates with An Accident in Villisca

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

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

The cheapest car insurance companies after an at-fault accident in Villisca include Hastings Mutual and Pekin, offering $132 and $160, respectively. Allstate is an expensive provider with an average six-month premium of $2203.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$132	$22
Pekin	$160	$27
Western National	$208	$35
Westfield	$208	$35
Grange	$236	$40
Auto-Owners Insurance Co	$243	$41
West Bend Mutual	$243	$41
State Farm	$508	$85
Travelers	$522	$88
Progressive	$737	$124
Grinnell Mutual	$834	$140
American Family	$959	$161
USAA	$1071	$178
Auto-Owners	$1258	$214
Farm Bureau Mutual (IA Group)	$1425	$238
Farm Bureau	$1766	$301
Nationwide	$2043	$340
Allstate	$2203	$371

Villisca Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Villisca IA. For example, the car insurance in Villisca after a DUI increases to $834 for a six month policy. While the rate increases by $119 for a six-month policy in the case of a speeding ticket.

Villisca auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$980	$164
One Med/PIP claim	$993	$168
Not-at-fault accident	$1021	$171
One comp claim	$1049	$179
Two Med/PIP claims	$1078	$179
Child safety restraint	$1099	$187
Failure to show documents	$1099	$183
Failure to wear a seat belt	$1099	$187
Speeding 6 - 10 MPH over limit	$1099	$183
Two comp claims	$1099	$187
Driving without lights	$1104	$184
Driving with expired registration	$1133	$193
Failure to yield	$1133	$188
Illegal turn	$1133	$193
Failure to stop at a red light	$1140	$190
Wrong way/wrong lane	$1147	$195
Cell phone violation	$1154	$192
Driving too slowly	$1154	$197
Speeding 11 - 15 MPH over limit	$1154	$192
Texting while driving	$1154	$197
Speeding 16 - 20 MPH over limit	$1161	$193
Speeding in school zone	$1175	$200
Improper passing	$1182	$197
Following too closely	$1189	$202
At-fault accident - less than $1000	$1210	$201
Passing school bus	$1230	$209
Operating a vehicle without permission	$1293	$215
At-fault accident - $1000-$2000	$1314	$223
Speeding 21 - 25 MPH over limit	$1314	$219
At-fault accident - greater than $2000	$1321	$225
In 65 MPH zone	$1411	$235
Open container	$1487	$253
Racing	$1675	$280
Driving with a suspended license	$1709	$290
Reckless driving	$1751	$291
Refusal to submit to a chemical test	$1780	$303
DUI	$1814	$302
Leaving scene of an accident/hit and run	$1835	$312

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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 Villisca 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 Villisca.

The cheapest car insurance premiums in Villisca are offered by Western National at $208 for a six-month policy. However, it can be as expensive as $2718 with companies like Grinnell Mutual.

Villisca car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$208	$35
Grange	$271	$46
Travelers	$271	$46
West Bend Mutual	$271	$46
Progressive	$522	$88
State Farm	$605	$102
American Family	$993	$167
Allstate	$2134	$363
Auto-Owners	$2272	$379
Farm Bureau	$2370	$402
Nationwide	$2544	$424
Grinnell Mutual	$2718	$462

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 Villisca are offered by Westfield at $153. However, it can be as expensive as $1780 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Villisca after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$153	$26
West Bend Mutual	$180	$30
Western National	$208	$35
Iowa Farm Bureau	$229	$39
Travelers	$229	$39
Grange	$236	$40
State Farm	$397	$67
Progressive	$584	$98
American Family	$702	$118
Farm Bureau	$1328	$221
Grinnell Mutual	$1404	$239
Nationwide	$1612	$269
Auto-Owners	$1668	$283
Allstate	$1780	$296

Car Insurance Price Trends in Villisca, Iowa

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

The average cost of full coverage in the Villisca remained steady at $164 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Villisca remained steady at $34 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 Villisca?

The car insurance in Villisca is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Villisca?

The cheapest car insurance in Villisca is $71 per month for full coverage.

How much is car insurance in Villisca for teenagers?

Car insurance for teenagers costs $153 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 Villisca?

The average cost of car insurance is $699 for a six-month policy. It will cost around $137 per month to insure your car in Villisca.

Is car insurance expensive in Villisca?

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

Cheapest Car Insurance Quotes in Villisca

Why you can trust Way?

How Much Is Car Insurance in Villisca

Avg. Car Insurance in Villisca

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Villisca

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Villisca Car Insurance Rates by Company

Cheap Car Insurance Companies in Villisca, IA

Way's key takeaways about car insurance in Villisca

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Villisca

Cheapest Liability Coverage in Villisca, IA

Cheapest Full Coverage Car Insurance in Villisca

Cheapest Full Coverage Car Insurance Quotes in Villisca, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Villisca by Rating Factor

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

Car Insurance Premiums by Age in Villisca

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Villisca,IA

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

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 Villisca

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

Villisca Car Insurance Rates by Violation

Villisca auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Villisca after a DUI

Villisca car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Villisca after Speeding ticket

Car Insurance Price Trends in Villisca, Iowa

Average Car Insurance Cost in Villisca by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Villisca, IA

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

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