Cheapest Car Insurance Quotes in Walker

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406,175 Policies Sold

Walker Car Insurance

^$ 16

/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 Walker

The car insurance rate in Walker is $732 for a six-month policy, which is $23 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $357, making it a popular choice for budget-conscious drivers. Rates in Walker 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 Walker

$732

Avg. Car Insurance in Iowa

$755

National Average

$1278

Cheapest Car Insurance Companies in Walker

1st place: West Bend Mutual

At $357 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 $404 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $427 for six months, making it the third cheapest auto insurance company in Walker.

Walker Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Walker, IA is West Bend Mutual, offering policies at just $357 for a six-month term. This is followed by Grange, which has an average six-month premium of $404.

At the higher end of the spectrum, Grinnell Mutual is the most expensive, with rates reaching $1164 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Walker drivers find the best deals.

Cheap Car Insurance Companies in Walker, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$357	$59
Grange	$404	$69
Travelers	$427	$72
Auto-Owners Insurance Co	$433	$74
Hastings Mutual	$443	$74
Westfield	$472	$81
IMT Insurance Company	$490	$81
American Family	$519	$87
State Farm	$639	$108
Pekin	$651	$111
Progressive	$657	$111
USAA	$663	$112
West Bend	$755	$126
Farm Bureau Mutual (IA Group)	$801	$136
IMT	$864	$145
Auto-Owners	$980	$167
Farm Bureau	$1106	$184
Allstate	$1383	$233
Nationwide	$1452	$242
Grinnell Mutual	$1164	$194

Key Takeaways

Way's key takeaways about car insurance in Walker

The auto insurance costs in Walker fall around $357 for six months.
The cheapest auto insurance company in Walker is Pekin.
Teen drivers pay the highest rate in Walker at $445 per month.

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Cheapest Minimum Liability Car Insurance in Walker

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 Walker are given below.

Pekin provides the cheapest minimum car insurance coverage in Walker. Their Average 6 Month Premium is $98. Grinnell Mutual is the most expensive at $259 for the same period.

Cheapest Liability Coverage in Walker, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$98	$16
Westfield	$104	$17
Hastings Mutual	$110	$18
Progressive	$110	$18
West Bend Mutual	$115	$19
Grange	$127	$21
USAA	$133	$22
Farm Bureau Mutual (IA Group)	$139	$23
Auto-Owners Insurance Co	$145	$24
State Farm	$145	$24
Iowa Farm Bureau	$155	$26
IMT	$161	$27
Travelers	$161	$27
Farm Bureau	$184	$31
West Bend	$184	$31
American Family	$190	$32
Auto-Owners	$202	$34
Allstate	$380	$64
Nationwide	$455	$78
Grinnell Mutual	$259	$44

Cheapest Full Coverage Car Insurance in Walker

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 Walker is West Bend Mutual at $59 per month and $357 for six months.

Cheapest Full Coverage Car Insurance Quotes in Walker, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$357	$59
Grange	$404	$69
Travelers	$427	$72
Auto-Owners Insurance Co	$433	$74
Hastings Mutual	$443	$74
Westfield	$472	$81
IMT Insurance Company	$490	$81
American Family	$519	$87
State Farm	$639	$108
Pekin	$651	$111
Progressive	$657	$111
USAA	$663	$112
West Bend	$755	$126
Farm Bureau Mutual (IA Group)	$801	$136
IMT	$864	$145
Auto-Owners	$980	$167
Farm Bureau	$1106	$184
Allstate	$1383	$233
Nationwide	$1452	$242
Grinnell Mutual	$1164	$194

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Average Car Insurance in Walker 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 Walker, IA increasing?

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

Car Insurance Premiums by Age in Walker

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 Walker,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Walker at $21 per month. At $2616 for a six-month premium, Grinnell Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$127	$21
Grange	$145	$24
West Bend Mutual	$155	$26
Iowa Farm Bureau	$178	$30
Travelers	$605	$102
American Family	$858	$145
USAA	$1083	$182
Progressive	$1291	$217
State Farm	$1515	$255
IMT	$1568	$261
Farm Bureau Mutual (IA Group)	$2161	$368
West Bend	$2316	$386
Farm Bureau	$2362	$402
Auto-Owners	$2443	$407
Allstate	$2956	$498
Nationwide	$4604	$767
Grinnell Mutual	$2616	$445

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 Walker, Grange is the cheapest car insurance provider. At $167 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 Walker is Grinnell Mutual, offering rates of around $2046 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$167	$28
Westfield	$202	$34
West Bend Mutual	$208	$35
Travelers	$225	$38
American Family	$231	$39
Progressive	$639	$108
IMT	$1147	$191
USAA	$1221	$208
West Bend	$1342	$224
Farm Bureau	$1907	$324
State Farm	$1993	$336
Nationwide	$2068	$352
Allstate	$2172	$362
Auto-Owners	$2512	$427
Grinnell Mutual	$2046	$348

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Save up to $971/yr on car insurance rates in Walker.

Car Insurance Rates with An Accident in Walker

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

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

The cheapest car insurance companies after an at-fault accident in Walker include Hastings Mutual and Pekin, offering $110 and $133, respectively. Nationwide is an expensive provider with an average six-month premium of $2340.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$110	$18
Pekin	$133	$22
Western National	$173	$29
Westfield	$173	$29
Grange	$196	$33
Auto-Owners Insurance Co	$202	$34
West Bend Mutual	$202	$34
Grinnell Mutual	$213	$36
Travelers	$433	$73
State Farm	$484	$81
American Family	$553	$93
Progressive	$663	$112
USAA	$945	$159
Farm Bureau Mutual (IA Group)	$1181	$201
Auto-Owners	$1268	$211
West Bend	$1268	$215
IMT	$1354	$226
Farm Bureau	$1797	$306
Allstate	$1907	$321
Nationwide	$2340	$398

Walker Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Walker IA. For example, the car insurance in Walker after a DUI increases to $691 for a six month policy. While the rate increases by $98 for a six-month policy in the case of a speeding ticket.

Walker auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$813	$136
One Med/PIP claim	$824	$140
Not-at-fault accident	$847	$142
One comp claim	$870	$148
Two Med/PIP claims	$893	$148
Child safety restraint	$911	$155
Failure to show documents	$911	$151
Failure to wear a seat belt	$911	$155
Speeding 6 - 10 MPH over limit	$911	$151
Two comp claims	$911	$155
Driving without lights	$916	$152
Driving with expired registration	$939	$160
Failure to yield	$939	$156
Illegal turn	$939	$160
Failure to stop at a red light	$945	$157
Wrong way/wrong lane	$951	$162
Cell phone violation	$956	$159
Driving too slowly	$956	$163
Speeding 11 - 15 MPH over limit	$956	$159
Texting while driving	$956	$163
Speeding 16 - 20 MPH over limit	$962	$160
Speeding in school zone	$974	$166
Improper passing	$980	$163
Following too closely	$986	$168
At-fault accident - less than $1000	$1003	$167
Passing school bus	$1019	$174
Operating a vehicle without permission	$1072	$178
At-fault accident - $1000-$2000	$1089	$185
Speeding 21 - 25 MPH over limit	$1089	$181
At-fault accident - greater than $2000	$1095	$186
In 65 MPH zone	$1170	$195
Open container	$1233	$210
Racing	$1389	$232
Driving with a suspended license	$1417	$241
Reckless driving	$1452	$242
Refusal to submit to a chemical test	$1475	$251
DUI	$1504	$250
Leaving scene of an accident/hit and run	$1521	$259

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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 Walker 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 Walker.

The cheapest car insurance premiums in Walker are offered by American Family at $167 for a six-month policy. However, it can be as expensive as $2253 with companies like Grinnell Mutual.

Walker car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$167	$28
Western National	$173	$29
Grange	$225	$38
Travelers	$225	$38
West Bend Mutual	$225	$38
Progressive	$623	$105
IMT	$1147	$191
USAA	$1221	$208
West Bend	$1342	$224
Farm Bureau	$1907	$324
State Farm	$1919	$323
Nationwide	$2068	$352
Allstate	$2172	$362
Auto-Owners	$2512	$427
Grinnell Mutual	$2253	$383

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 Walker are offered by Westfield at $127. However, it can be as expensive as $1164 with companies like Grinnell Mutual for a similar six-month premium.

Cheapest Car Insurance in Walker after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$127	$21
West Bend Mutual	$149	$25
American Family	$167	$28
Western National	$173	$29
Iowa Farm Bureau	$190	$32
Travelers	$190	$32
Grange	$196	$33
State Farm	$455	$77
Progressive	$570	$96
USAA	$882	$146
IMT	$1204	$205
Farm Bureau	$1354	$226
West Bend	$1521	$259
Allstate	$1590	$265
Auto-Owners	$1665	$283
Nationwide	$1832	$306
Grinnell Mutual	$1164	$198

Car Insurance Price Trends in Walker, Iowa

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

The average cost of full coverage in the Walker rose by $149 in January compared to $136 of December. In other words, there has been an increase by $13 when you compare January and December.

The average cost of liability insurance in the Walker remained steady at $28 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 Walker?

The car insurance in Walker is $16 per month, which is lower than the national average.

What is the cheapest car insurance in Walker?

The cheapest car insurance in Walker is $59 per month for full coverage.

How much is car insurance in Walker for teenagers?

Car insurance for teenagers costs $127 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 Walker?

The average cost of car insurance is $755 for a six-month policy. It will cost around $122 per month to insure your car in Walker.

Is car insurance expensive in Walker?

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

Cheapest Car Insurance Quotes in Walker

Why you can trust Way?

How Much Is Car Insurance in Walker

Avg. Car Insurance in Walker

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Walker

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Walker Car Insurance Rates by Company

Cheap Car Insurance Companies in Walker, IA

Way's key takeaways about car insurance in Walker

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Walker

Cheapest Liability Coverage in Walker, IA

Cheapest Full Coverage Car Insurance in Walker

Cheapest Full Coverage Car Insurance Quotes in Walker, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Walker by Rating Factor

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

Car Insurance Premiums by Age in Walker

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Walker,IA

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

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 Walker

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

Walker Car Insurance Rates by Violation

Walker auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Walker after a DUI

Walker car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Walker after Speeding ticket

Car Insurance Price Trends in Walker, Iowa

Average Car Insurance Cost in Walker by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Walker, IA

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

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