Cheapest Car Insurance Quotes in Mason City

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Mason City Car Insurance

^$ 17

/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 Mason City

The car insurance rate in Mason City is $999 for a six-month policy, which is $65 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $286, making it a popular choice for budget-conscious drivers. Rates in Mason City 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 Mason City

$999

Avg. Car Insurance in Nebraska

$934

National Average

$1140

Cheapest Car Insurance Companies in Mason City

1st place: American National P&C

At $286 for a six month policy, American National P&C offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $439 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American National

American National offers auto insurance rates at $553 for six months, making it the third cheapest auto insurance company in Mason City.

Mason City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mason City, NE is American National P&C, offering policies at just $286 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $439.

At the higher end of the spectrum, American Family is the most expensive, with rates reaching $1081 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mason City drivers find the best deals.

Cheap Car Insurance Companies in Mason City, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$286	$48
Auto-Owners Insurance Co	$439	$73
American National	$553	$93
Farmers Mutual of Nebraska	$597	$101
Shelter	$610	$104
IMT Insurance Company	$623	$104
Auto-Owners	$871	$147
USAA	$960	$162
Farmers	$1017	$173
Progressive	$1049	$177
State Farm	$1137	$192
North Star Mutual	$1347	$225
Allstate	$1583	$266
Farm Bureau	$1913	$319
Nationwide	$1932	$328
American Family	$1081	$180

Key Takeaways

Way's key takeaways about car insurance in Mason City

The auto insurance costs in Mason City fall around $286 for six months.
The cheapest auto insurance company in Mason City is American National P&C.
Teen drivers pay the highest rate in Mason City at $439 per month.

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Cheapest Minimum Liability Car Insurance in Mason City

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 Mason City are given below.

American National P&C provides the cheapest minimum car insurance coverage in Mason City. Their Average 6 Month Premium is $102. North Star Mutual Insurance is the most expensive at $171 for the same period.

Cheapest Liability Coverage in Mason City, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$102	$17
American National	$108	$18
Farmers Mutual of Nebraska	$159	$27
North Star Mutual	$197	$33
Auto-Owners Insurance Co	$210	$35
Farmers	$216	$36
IMT Insurance	$223	$37
Progressive	$223	$37
USAA	$223	$37
Auto-Owners	$235	$40
Iowa Farm Bureau	$255	$43
Shelter	$261	$44
State Farm	$261	$44
Farm Bureau	$363	$62
Allstate	$502	$85
Nationwide	$648	$110
American Family	$311	$52
North Star Mutual Insurance	$171	$29

Cheapest Full Coverage Car Insurance in Mason City

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 Mason City is American National P&C at $48 per month and $286 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mason City, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$286	$48
Auto-Owners Insurance Co	$439	$73
American National	$553	$93
Farmers Mutual of Nebraska	$597	$101
Shelter	$610	$104
IMT Insurance Company	$623	$104
Auto-Owners	$871	$147
USAA	$960	$162
Farmers	$1017	$173
Progressive	$1049	$177
State Farm	$1137	$192
North Star Mutual	$1347	$225
Allstate	$1583	$266
Farm Bureau	$1913	$319
Nationwide	$1932	$328
American Family	$1081	$180

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Average Car Insurance in Mason City 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 Mason City, NE increasing?

Despite maintaining a clean driving record, your car insurance rates in Mason City, Nebraska, may be increasing due to several external factors. Nebraska has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Mason City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Mason City

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Farm Bureau Mutual	$760
30s	USAA	$589
40s	USAA	$524
50s	USAA	$501
60s	USAA	$501
70s	USAA	$583

Cheapest Car Insurance Rates for Teen Drivers in Mason City,NE

If you are planning to get a car insurance policy for your teenage dependent, American National P&C provides the cheapest car insurance in the Mason City at $20 per month. At $2581 for a six-month premium, American Family offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$121	$20
Farmers	$197	$33
North Star Mutual Insurance	$266	$45
Iowa Farm Bureau	$286	$48
Auto-Owners Insurance Co	$292	$49
Farmers Mutual of Nebraska	$973	$164
American National	$1220	$208
USAA	$1462	$246
Auto-Owners	$2199	$370
State Farm	$2333	$393
Progressive	$2378	$400
Allstate	$3470	$584
Farm Bureau	$4183	$712
Nationwide	$6572	$1096
American Family	$2581	$439

Teen Car Insurance Rates in NE by Age

Way Tip

If you are in your twenties Farm Bureau Mutual is the best choice for car insurance in Mason City.

As young drivers face the highest rates in Mason City, Farm Bureau Mutual offers the cheapest auto insurance rates at $760 for six months.

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 Mason City, American National P&C is the cheapest car insurance provider. At $356 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 Mason City is American Family, offering rates of around $1850 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$356	$59
IMT Insurance Company	$400	$68
Shelter	$426	$71
Iowa Farm Bureau	$495	$85
Farmers Mutual of Nebraska	$661	$111
Progressive	$1100	$185
USAA	$1373	$229
Auto-Owners	$2447	$416
Allstate	$2460	$410
Nationwide	$2707	$460
Farm Bureau	$3565	$594
State Farm	$5739	$976
American Family	$1850	$308

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Car Insurance Rates with An Accident in Mason City

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 Mason City, NE, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Mason City

The cheapest car insurance companies after an at-fault accident in Mason City include American National P&C and Farmers, offering $147 and $235, respectively. American Family is an expensive provider with an average six-month premium of $1297.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$147	$25
Farmers	$235	$40
Auto-Owners Insurance Co	$242	$41
North Star Mutual	$343	$59
Iowa Farm Bureau	$394	$65
North Star Mutual Insurance	$458	$78
American National	$623	$104
Farmers Mutual of Nebraska	$629	$106
Auto-Owners	$731	$123
USAA	$731	$123
State Farm	$776	$131
Progressive	$1042	$175
Allstate	$2358	$397
Farm Bureau	$3044	$518
Nationwide	$3133	$522
American Family	$1297	$216

Mason City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mason City NE. For example, the car insurance in Mason City after a DUI increases to $1023 for a six month policy. While the rate increases by $203 for a six-month policy in the case of a speeding ticket.

Mason City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1087	$181
One Med/PIP claim	$1087	$185
Not-at-fault accident	$1182	$197
Driving without lights	$1208	$205
Failure to show documents	$1208	$201
Driving with expired registration	$1220	$208
Failure to wear a seat belt	$1220	$203
Two Med/PIP claims	$1226	$209
Cell phone violation	$1233	$205
One comp claim	$1233	$210
Texting while driving	$1233	$205
Failure to yield	$1252	$213
Child safety restraint	$1258	$210
Driving too slowly	$1258	$214
Speeding in school zone	$1271	$212
Failure to stop at a red light	$1278	$217
Illegal turn	$1290	$215
Passing school bus	$1290	$219
Speeding 6 - 10 MPH over limit	$1290	$215
Following too closely	$1297	$220
Improper passing	$1310	$218
Speeding 11 - 15 MPH over limit	$1323	$225
Speeding 16 - 20 MPH over limit	$1341	$224
Wrong way/wrong lane	$1366	$232
Speeding 21 - 25 MPH over limit	$1379	$230
Operating a vehicle without permission	$1449	$246
In 65 MPH zone	$1468	$245
Two comp claims	$1481	$251
Open container	$1519	$254
At-fault accident - less than $1000	$1557	$264
At-fault accident - $1000-$2000	$1697	$282
At-fault accident - greater than $2000	$1697	$289
Reckless driving	$1926	$321
Driving with a suspended license	$1989	$338
Refusal to submit to a chemical test	$2053	$342
DUI	$2110	$358
Leaving scene of an accident/hit and run	$2142	$357
Racing	$2149	$365

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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 Mason City 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 Mason City.

The cheapest car insurance premiums in Mason City are offered by American National P&C at $165 for a six-month policy. However, it can be as expensive as $1081 with companies like American Family.

Mason City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$165	$28
Farmers	$387	$64
IMT Insurance Company	$477	$81
Auto-Owners Insurance Co	$515	$86
Iowa Farm Bureau	$521	$89
Shelter	$579	$96
American National	$668	$113
Progressive	$826	$139
Farmers Mutual of Nebraska	$992	$167
USAA	$1297	$218
State Farm	$1323	$223
Auto-Owners	$1354	$228
Farm Bureau	$1373	$231
Allstate	$1976	$333
Nationwide	$4291	$730
American Family	$1081	$184

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 Mason City are offered by American National P&C at $127. However, it can be as expensive as $1195 with companies like American Family for a similar six-month premium.

Cheapest Car Insurance in Mason City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$127	$21
Auto-Owners Insurance Co	$273	$46
IMT Insurance Company	$318	$55
Iowa Farm Bureau	$324	$54
Farmers Mutual of Nebraska	$515	$87
State Farm	$724	$122
Auto-Owners	$826	$140
Progressive	$973	$164
USAA	$998	$170
Allstate	$1754	$292
Farm Bureau	$2294	$391
Nationwide	$2587	$431
American Family	$1195	$203

Car Insurance Price Trends in Mason City, Nebraska

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

The average cost of full coverage in the Mason City rose by $200 in December compared to $175 of November. In other words, there has been an increase by $25 when you compare December and November.

The average cost of liability insurance in the Mason City rose to $41 in December, compared to $40 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Mason City?

The car insurance in Mason City is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Mason City?

The cheapest car insurance in Mason City is $48 per month for full coverage.

How much is car insurance in Mason City for teenagers?

Car insurance for teenagers costs $121 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 Mason City?

The average cost of car insurance is $934 for a six-month policy. It will cost around $168 per month to insure your car in Mason City.

Is car insurance expensive in Mason City?

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

What is the best car insurance in Mason City, NE?

The best car insurance company in Mason City NE is American National P&C, offering $286 for a six-month policy.