Cheapest Car Insurance Quotes in Woodbine

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Woodbine 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 Woodbine

The car insurance rate in Woodbine is $808 for a six-month policy, which is $53 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $394, making it a popular choice for budget-conscious drivers. Rates in Woodbine 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 Woodbine

$808

Avg. Car Insurance in Iowa

$755

National Average

$1278

Cheapest Car Insurance Companies in Woodbine

1st place: West Bend Mutual

At $394 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 $445 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $471 for six months, making it the third cheapest auto insurance company in Woodbine.

Woodbine Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Woodbine, IA is West Bend Mutual, offering policies at just $394 for a six-month term. This is followed by Grange, which has an average six-month premium of $445.

At the higher end of the spectrum, Grinnell Mutual is the most expensive, with rates reaching $1284 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Woodbine drivers find the best deals.

Cheap Car Insurance Companies in Woodbine, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$394	$65
Grange	$445	$76
Travelers	$471	$79
Auto-Owners Insurance Co	$477	$81
Hastings Mutual	$489	$81
Westfield	$521	$89
IMT Insurance Company	$540	$90
American Family	$572	$96
State Farm	$705	$119
Pekin	$718	$122
Progressive	$724	$122
USAA	$731	$123
West Bend	$832	$139
Farm Bureau Mutual (IA Group)	$884	$150
IMT	$953	$159
Auto-Owners	$1081	$184
Farm Bureau	$1220	$203
Allstate	$1526	$257
Nationwide	$1602	$266
Grinnell Mutual	$1284	$214

Key Takeaways

Way's key takeaways about car insurance in Woodbine

The auto insurance costs in Woodbine fall around $394 for six months.
The cheapest auto insurance company in Woodbine is Pekin.
Teen drivers pay the highest rate in Woodbine at $491 per month.

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Cheapest Minimum Liability Car Insurance in Woodbine

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 Woodbine are given below.

Pekin provides the cheapest minimum car insurance coverage in Woodbine. Their Average 6 Month Premium is $108. Grinnell Mutual is the most expensive at $286 for the same period.

Cheapest Liability Coverage in Woodbine, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$108	$18
Westfield	$114	$19
Hastings Mutual	$121	$20
Progressive	$121	$20
West Bend Mutual	$127	$21
Grange	$140	$24
USAA	$147	$25
Farm Bureau Mutual (IA Group)	$153	$26
Auto-Owners Insurance Co	$159	$27
State Farm	$159	$27
Iowa Farm Bureau	$171	$29
IMT	$178	$30
Travelers	$178	$30
Farm Bureau	$203	$34
West Bend	$203	$34
American Family	$210	$35
Auto-Owners	$223	$37
Allstate	$419	$71
Nationwide	$502	$86
Grinnell Mutual	$286	$48

Cheapest Full Coverage Car Insurance in Woodbine

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 Woodbine is West Bend Mutual at $65 per month and $394 for six months.

Cheapest Full Coverage Car Insurance Quotes in Woodbine, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$394	$65
Grange	$445	$76
Travelers	$471	$79
Auto-Owners Insurance Co	$477	$81
Hastings Mutual	$489	$81
Westfield	$521	$89
IMT Insurance Company	$540	$90
American Family	$572	$96
State Farm	$705	$119
Pekin	$718	$122
Progressive	$724	$122
USAA	$731	$123
West Bend	$832	$139
Farm Bureau Mutual (IA Group)	$884	$150
IMT	$953	$159
Auto-Owners	$1081	$184
Farm Bureau	$1220	$203
Allstate	$1526	$257
Nationwide	$1602	$266
Grinnell Mutual	$1284	$214

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Average Car Insurance in Woodbine 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 Woodbine, IA increasing?

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

Car Insurance Premiums by Age in Woodbine

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 Woodbine,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Woodbine at $24 per month. At $2886 for a six-month premium, Grinnell Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$140	$24
Grange	$159	$27
West Bend Mutual	$171	$29
Iowa Farm Bureau	$197	$33
Travelers	$668	$112
American Family	$947	$159
USAA	$1195	$201
Progressive	$1424	$240
State Farm	$1671	$281
IMT	$1729	$288
Farm Bureau Mutual (IA Group)	$2384	$406
West Bend	$2555	$426
Farm Bureau	$2605	$443
Auto-Owners	$2695	$449
Allstate	$3260	$549
Nationwide	$5078	$846
Grinnell Mutual	$2886	$491

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 Woodbine, Grange is the cheapest car insurance provider. At $184 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 Woodbine is Grinnell Mutual, offering rates of around $2257 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$184	$31
Westfield	$223	$37
West Bend Mutual	$229	$39
Travelers	$248	$42
American Family	$255	$43
Progressive	$705	$119
IMT	$1265	$211
USAA	$1347	$229
West Bend	$1481	$247
Farm Bureau	$2104	$357
State Farm	$2199	$370
Nationwide	$2281	$388
Allstate	$2396	$399
Auto-Owners	$2771	$471
Grinnell Mutual	$2257	$384

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Car Insurance Rates with An Accident in Woodbine

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

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

The cheapest car insurance companies after an at-fault accident in Woodbine include Hastings Mutual and Pekin, offering $121 and $147, respectively. Nationwide is an expensive provider with an average six-month premium of $2581.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$121	$20
Pekin	$147	$25
Western National	$190	$32
Westfield	$190	$32
Grange	$216	$36
Auto-Owners Insurance Co	$223	$37
West Bend Mutual	$223	$37
Grinnell Mutual	$235	$40
Travelers	$477	$80
State Farm	$534	$90
American Family	$610	$103
Progressive	$731	$123
USAA	$1042	$175
Farm Bureau Mutual (IA Group)	$1303	$221
Auto-Owners	$1398	$233
West Bend	$1398	$238
IMT	$1494	$249
Farm Bureau	$1983	$337
Allstate	$2104	$354
Nationwide	$2581	$439

Woodbine Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Woodbine IA. For example, the car insurance in Woodbine after a DUI increases to $762 for a six month policy. While the rate increases by $108 for a six-month policy in the case of a speeding ticket.

Woodbine auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$897	$150
One Med/PIP claim	$908	$154
Not-at-fault accident	$934	$156
One comp claim	$960	$164
Two Med/PIP claims	$985	$164
Child safety restraint	$1005	$171
Failure to show documents	$1005	$167
Failure to wear a seat belt	$1005	$171
Speeding 6 - 10 MPH over limit	$1005	$167
Two comp claims	$1005	$171
Driving without lights	$1010	$168
Driving with expired registration	$1036	$177
Failure to yield	$1036	$172
Illegal turn	$1036	$177
Failure to stop at a red light	$1042	$173
Wrong way/wrong lane	$1049	$179
Cell phone violation	$1055	$175
Driving too slowly	$1055	$180
Speeding 11 - 15 MPH over limit	$1055	$175
Texting while driving	$1055	$180
Speeding 16 - 20 MPH over limit	$1061	$177
Speeding in school zone	$1074	$183
Improper passing	$1081	$180
Following too closely	$1087	$185
At-fault accident - less than $1000	$1106	$184
Passing school bus	$1125	$192
Operating a vehicle without permission	$1182	$197
At-fault accident - $1000-$2000	$1202	$204
Speeding 21 - 25 MPH over limit	$1202	$200
At-fault accident - greater than $2000	$1208	$205
In 65 MPH zone	$1290	$215
Open container	$1360	$231
Racing	$1532	$256
Driving with a suspended license	$1563	$265
Reckless driving	$1602	$266
Refusal to submit to a chemical test	$1627	$277
DUI	$1659	$276
Leaving scene of an accident/hit and run	$1678	$286

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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 Woodbine 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 Woodbine.

The cheapest car insurance premiums in Woodbine are offered by American Family at $184 for a six-month policy. However, it can be as expensive as $2486 with companies like Grinnell Mutual.

Woodbine car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$184	$31
Western National	$190	$32
Grange	$248	$42
Travelers	$248	$42
West Bend Mutual	$248	$42
Progressive	$687	$116
IMT	$1265	$211
USAA	$1347	$229
West Bend	$1481	$247
Farm Bureau	$2104	$357
State Farm	$2116	$356
Nationwide	$2281	$388
Allstate	$2396	$399
Auto-Owners	$2771	$471
Grinnell Mutual	$2486	$423

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 Woodbine are offered by Westfield at $140. However, it can be as expensive as $1284 with companies like Grinnell Mutual for a similar six-month premium.

Cheapest Car Insurance in Woodbine after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$140	$24
West Bend Mutual	$165	$28
American Family	$184	$31
Western National	$190	$32
Iowa Farm Bureau	$210	$35
Travelers	$210	$35
Grange	$216	$36
State Farm	$502	$85
Progressive	$629	$106
USAA	$973	$162
IMT	$1328	$226
Farm Bureau	$1494	$249
West Bend	$1678	$286
Allstate	$1754	$292
Auto-Owners	$1837	$312
Nationwide	$2021	$337
Grinnell Mutual	$1284	$218

Car Insurance Price Trends in Woodbine, Iowa

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

The average cost of full coverage in the Woodbine rose by $165 in January compared to $150 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 Woodbine 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 Woodbine?

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

What is the cheapest car insurance in Woodbine?

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

How much is car insurance in Woodbine for teenagers?

Car insurance for teenagers costs $140 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 Woodbine?

The average cost of car insurance is $755 for a six-month policy. It will cost around $135 per month to insure your car in Woodbine.

Is car insurance expensive in Woodbine?

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

Cheapest Car Insurance Quotes in Woodbine

Why you can trust Way?

How Much Is Car Insurance in Woodbine

Avg. Car Insurance in Woodbine

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Woodbine

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Woodbine Car Insurance Rates by Company

Cheap Car Insurance Companies in Woodbine, IA

Way's key takeaways about car insurance in Woodbine

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Woodbine

Cheapest Liability Coverage in Woodbine, IA

Cheapest Full Coverage Car Insurance in Woodbine

Cheapest Full Coverage Car Insurance Quotes in Woodbine, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Woodbine by Rating Factor

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

Car Insurance Premiums by Age in Woodbine

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Woodbine,IA

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

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 Woodbine

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

Woodbine Car Insurance Rates by Violation

Woodbine auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Woodbine after a DUI

Woodbine car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Woodbine after Speeding ticket

Car Insurance Price Trends in Woodbine, Iowa

Average Car Insurance Cost in Woodbine by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Woodbine, IA

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

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