Cheapest Car Insurance Quotes in Vining

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406,175 Policies Sold

Vining 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 Vining

The car insurance rate in Vining is $778 for a six-month policy, which is $23 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $379, making it a popular choice for budget-conscious drivers. Rates in Vining 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 Vining

$778

Avg. Car Insurance in Iowa

$755

National Average

$1278

Cheapest Car Insurance Companies in Vining

1st place: West Bend Mutual

At $379 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 $428 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $453 for six months, making it the third cheapest auto insurance company in Vining.

Vining Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Vining, IA is West Bend Mutual, offering policies at just $379 for a six-month term. This is followed by Grange, which has an average six-month premium of $428.

At the higher end of the spectrum, Grinnell Mutual is the most expensive, with rates reaching $1236 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Vining drivers find the best deals.

Cheap Car Insurance Companies in Vining, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$379	$63
Grange	$428	$73
Travelers	$453	$76
Auto-Owners Insurance Co	$459	$78
Hastings Mutual	$471	$78
Westfield	$502	$85
IMT Insurance Company	$520	$87
American Family	$551	$93
State Farm	$679	$114
Pekin	$691	$117
Progressive	$697	$117
USAA	$703	$118
West Bend	$801	$134
Farm Bureau Mutual (IA Group)	$851	$144
IMT	$918	$153
Auto-Owners	$1040	$177
Farm Bureau	$1174	$196
Allstate	$1469	$247
Nationwide	$1542	$256
Grinnell Mutual	$1236	$206

Key Takeaways

Way's key takeaways about car insurance in Vining

The auto insurance costs in Vining fall around $379 for six months.
The cheapest auto insurance company in Vining is Pekin.
Teen drivers pay the highest rate in Vining at $473 per month.

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Cheapest Minimum Liability Car Insurance in Vining

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 Vining are given below.

Pekin provides the cheapest minimum car insurance coverage in Vining. Their Average 6 Month Premium is $104. Grinnell Mutual is the most expensive at $275 for the same period.

Cheapest Liability Coverage in Vining, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$104	$18
Westfield	$110	$19
Hastings Mutual	$116	$20
Progressive	$116	$20
West Bend Mutual	$123	$21
Grange	$135	$23
USAA	$141	$24
Farm Bureau Mutual (IA Group)	$147	$25
Auto-Owners Insurance Co	$153	$26
State Farm	$153	$26
Iowa Farm Bureau	$165	$28
IMT	$171	$29
Travelers	$171	$29
Farm Bureau	$196	$33
West Bend	$196	$33
American Family	$202	$34
Auto-Owners	$214	$36
Allstate	$404	$68
Nationwide	$483	$82
Grinnell Mutual	$275	$46

Cheapest Full Coverage Car Insurance in Vining

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 Vining is West Bend Mutual at $63 per month and $379 for six months.

Cheapest Full Coverage Car Insurance Quotes in Vining, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$379	$63
Grange	$428	$73
Travelers	$453	$76
Auto-Owners Insurance Co	$459	$78
Hastings Mutual	$471	$78
Westfield	$502	$85
IMT Insurance Company	$520	$87
American Family	$551	$93
State Farm	$679	$114
Pekin	$691	$117
Progressive	$697	$117
USAA	$703	$118
West Bend	$801	$134
Farm Bureau Mutual (IA Group)	$851	$144
IMT	$918	$153
Auto-Owners	$1040	$177
Farm Bureau	$1174	$196
Allstate	$1469	$247
Nationwide	$1542	$256
Grinnell Mutual	$1236	$206

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Average Car Insurance in Vining 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 Vining, IA increasing?

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

Car Insurance Premiums by Age in Vining

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 Vining,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Vining at $23 per month. At $2778 for a six-month premium, Grinnell Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$135	$23
Grange	$153	$26
West Bend Mutual	$165	$28
Iowa Farm Bureau	$190	$32
Travelers	$643	$108
American Family	$912	$153
USAA	$1151	$194
Progressive	$1371	$231
State Farm	$1609	$271
IMT	$1664	$277
Farm Bureau Mutual (IA Group)	$2295	$390
West Bend	$2460	$410
Farm Bureau	$2508	$426
Auto-Owners	$2595	$433
Allstate	$3138	$528
Nationwide	$4888	$815
Grinnell Mutual	$2778	$473

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 Vining, Grange is the cheapest car insurance provider. At $177 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 Vining is Grinnell Mutual, offering rates of around $2172 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$177	$30
Westfield	$214	$36
West Bend Mutual	$220	$37
Travelers	$239	$40
American Family	$245	$41
Progressive	$679	$114
IMT	$1217	$203
USAA	$1297	$220
West Bend	$1426	$238
Farm Bureau	$2025	$344
State Farm	$2117	$356
Nationwide	$2196	$374
Allstate	$2306	$384
Auto-Owners	$2668	$453
Grinnell Mutual	$2172	$370

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Car Insurance Rates with An Accident in Vining

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

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

The cheapest car insurance companies after an at-fault accident in Vining include Hastings Mutual and Pekin, offering $116 and $141, respectively. Nationwide is an expensive provider with an average six-month premium of $2484.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$116	$20
Pekin	$141	$24
Western National	$183	$31
Westfield	$183	$31
Grange	$208	$35
Auto-Owners Insurance Co	$214	$36
West Bend Mutual	$214	$36
Grinnell Mutual	$227	$38
Travelers	$459	$77
State Farm	$514	$87
American Family	$587	$99
Progressive	$703	$118
USAA	$1003	$169
Farm Bureau Mutual (IA Group)	$1255	$213
Auto-Owners	$1346	$225
West Bend	$1346	$229
IMT	$1438	$240
Farm Bureau	$1909	$324
Allstate	$2025	$341
Nationwide	$2484	$422

Vining Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Vining IA. For example, the car insurance in Vining after a DUI increases to $734 for a six month policy. While the rate increases by $104 for a six-month policy in the case of a speeding ticket.

Vining auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$863	$144
One Med/PIP claim	$874	$148
Not-at-fault accident	$899	$150
One comp claim	$924	$158
Two Med/PIP claims	$949	$158
Child safety restraint	$967	$165
Failure to show documents	$967	$161
Failure to wear a seat belt	$967	$165
Speeding 6 - 10 MPH over limit	$967	$161
Two comp claims	$967	$165
Driving without lights	$972	$162
Driving with expired registration	$997	$170
Failure to yield	$997	$166
Illegal turn	$997	$170
Failure to stop at a red light	$1003	$167
Wrong way/wrong lane	$1009	$172
Cell phone violation	$1016	$169
Driving too slowly	$1016	$173
Speeding 11 - 15 MPH over limit	$1016	$169
Texting while driving	$1016	$173
Speeding 16 - 20 MPH over limit	$1022	$170
Speeding in school zone	$1034	$176
Improper passing	$1040	$173
Following too closely	$1046	$178
At-fault accident - less than $1000	$1065	$177
Passing school bus	$1083	$184
Operating a vehicle without permission	$1138	$190
At-fault accident - $1000-$2000	$1157	$197
Speeding 21 - 25 MPH over limit	$1157	$193
At-fault accident - greater than $2000	$1163	$198
In 65 MPH zone	$1242	$207
Open container	$1309	$222
Racing	$1475	$246
Driving with a suspended license	$1505	$255
Reckless driving	$1542	$256
Refusal to submit to a chemical test	$1567	$267
DUI	$1597	$266
Leaving scene of an accident/hit and run	$1615	$275

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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 Vining 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 Vining.

The cheapest car insurance premiums in Vining are offered by American Family at $177 for a six-month policy. However, it can be as expensive as $2393 with companies like Grinnell Mutual.

Vining car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$177	$30
Western National	$183	$31
Grange	$239	$40
Travelers	$239	$40
West Bend Mutual	$239	$40
Progressive	$661	$111
IMT	$1217	$203
USAA	$1297	$220
West Bend	$1426	$238
Farm Bureau	$2025	$344
State Farm	$2037	$343
Nationwide	$2196	$374
Allstate	$2306	$384
Auto-Owners	$2668	$453
Grinnell Mutual	$2393	$407

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 Vining are offered by Westfield at $135. However, it can be as expensive as $1236 with companies like Grinnell Mutual for a similar six-month premium.

Cheapest Car Insurance in Vining after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$135	$23
West Bend Mutual	$159	$27
American Family	$177	$30
Western National	$183	$31
Iowa Farm Bureau	$202	$34
Travelers	$202	$34
Grange	$208	$35
State Farm	$483	$81
Progressive	$606	$102
USAA	$936	$156
IMT	$1278	$217
Farm Bureau	$1438	$240
West Bend	$1615	$275
Allstate	$1688	$281
Auto-Owners	$1769	$301
Nationwide	$1946	$324
Grinnell Mutual	$1236	$210

Car Insurance Price Trends in Vining, Iowa

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

The average cost of full coverage in the Vining rose by $159 in January compared to $144 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 Vining remained steady at $30 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 Vining?

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

What is the cheapest car insurance in Vining?

The cheapest car insurance in Vining is $63 per month for full coverage.

How much is car insurance in Vining for teenagers?

Car insurance for teenagers costs $135 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 Vining?

The average cost of car insurance is $755 for a six-month policy. It will cost around $130 per month to insure your car in Vining.

Is car insurance expensive in Vining?

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

Cheapest Car Insurance Quotes in Vining

Why you can trust Way?

How Much Is Car Insurance in Vining

Avg. Car Insurance in Vining

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Vining

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Vining Car Insurance Rates by Company

Cheap Car Insurance Companies in Vining, IA

Way's key takeaways about car insurance in Vining

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Vining

Cheapest Liability Coverage in Vining, IA

Cheapest Full Coverage Car Insurance in Vining

Cheapest Full Coverage Car Insurance Quotes in Vining, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Vining by Rating Factor

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

Car Insurance Premiums by Age in Vining

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Vining,IA

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

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 Vining

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

Vining Car Insurance Rates by Violation

Vining auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Vining after a DUI

Vining car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Vining after Speeding ticket

Car Insurance Price Trends in Vining, Iowa

Average Car Insurance Cost in Vining by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Vining, IA

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

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