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Finding the cheapest car insurance quotes in Ottumwa shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Ottumwa
The car insurance rate in Ottumwa is $1193 for a six-month policy, which is $239 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 Ottumwa 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.
At $379 for a six
month policy, American Family offers
the cheapest
auto
insurance rates in the city.
2nd place: Kemper
Kemper offers auto
insurance rates at $490 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Farmers Mutual of Nebraska
Farmers Mutual of Nebraska offers auto insurance
rates at $609
for six months, making it
the third cheapest auto insurance company in Ottumwa.
Ottumwa Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Ottumwa, SD is American Family, offering policies at just $379 for a six-month term. This is followed by Kemper, which has an average six-month premium of $490.
At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $2250 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ottumwa drivers find the best deals.
Way's key takeaways about car insurance in Ottumwa
The auto insurance costs in Ottumwa fall around $379 for six
months.
The cheapest auto insurance company in Ottumwa is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Ottumwa at $715 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Ottumwa
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 Ottumwa are given below.
Farmers Mutual of Nebraska provides
the cheapest minimum car insurance
coverage in Ottumwa. Their Average 6 Month Premium is $126.
Farmers is the most
expensive at $468 for the same
period.
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 Ottumwa is American Family
at $63 per month and $379
for six months.
Cheapest Full Coverage Car Insurance Quotes in Ottumwa,
SD
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Instantly!
Average Car Insurance in Ottumwa 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 Ottumwa, SD increasing?
Despite maintaining a clean driving record, your car insurance rates
in Ottumwa, South Dakota, may be increasing due to several external factors.
South Dakota has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Ottumwa's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Ottumwa
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
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Cheapest Car Insurance Rates for Teen Drivers in
Ottumwa,SD
If you are planning to get a car insurance policy for your teenage
dependent, American Family provides the cheapest car
insurance in the Ottumwa at $33
per
month. At $4291 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Ottumwa.
As young drivers face the highest rates in Ottumwa, N/A
offers the cheapest auto insurance rates at $N/A 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 Ottumwa,
American Family is
the cheapest car insurance provider. At $171 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
Ottumwa is Farmers, offering
rates of around $2331 for six
months.
Save up to $971/yr on car insurance rates in Ottumwa.
Car Insurance Rates with An Accident in Ottumwa
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 Ottumwa, SD,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Ottumwa
The cheapest car insurance companies after an at-fault accident in
Ottumwa include American Family
and Western National, offering $208
and $238,
respectively. Farmers is an expensive provider
with an average six-month premium of
$1998.
Here is a list of driving violations that can increase your car
insurance rates in Ottumwa SD. For example, the car
insurance in Ottumwa
after a DUI increases to $1084 for a six
month policy. While the rate increases by $208 for a six-month policy in the case of
a speeding ticket.
Ottumwa auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1240
$206
One Med/PIP claim
$1240
$211
Not-at-fault accident
$1270
$211
Two Med/PIP claims
$1314
$224
One comp claim
$1321
$220
Failure to show documents
$1366
$233
Two comp claims
$1366
$228
Failure to wear a seat belt
$1404
$239
Child safety restraint
$1425
$238
Driving without lights
$1425
$243
Driving with expired registration
$1433
$239
Wrong way/wrong lane
$1433
$244
Cell phone violation
$1440
$240
Driving too slowly
$1440
$245
Texting while driving
$1440
$240
Failure to stop at a red light
$1448
$246
Failure to yield
$1448
$241
Following too closely
$1448
$246
Illegal turn
$1448
$241
Speeding 6 - 10 MPH over limit
$1448
$246
Improper passing
$1463
$244
Speeding 11 - 15 MPH over limit
$1470
$250
Speeding 16 - 20 MPH over limit
$1478
$246
Operating a vehicle without permission
$1515
$258
At-fault accident - less than $1000
$1530
$255
In 65 MPH zone
$1530
$260
Speeding in school zone
$1538
$256
Speeding 21 - 25 MPH over limit
$1574
$268
Passing school bus
$1641
$274
Open container
$1700
$289
At-fault accident - $1000-$2000
$1723
$288
At-fault accident - greater than $2000
$1723
$293
Driving with a suspended license
$2079
$346
Reckless driving
$2101
$358
Refusal to submit to a chemical test
$2220
$370
Racing
$2294
$390
DUI
$2324
$388
Leaving scene of an accident/hit and run
$2376
$404
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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 Ottumwa 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 Ottumwa.
The cheapest car insurance premiums in
Ottumwa are
offered by American Family at $200 for a six-month policy.
However, it can be as
expensive as $2101 with companies
like Farmers.
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 Ottumwa are offered by American Family
at $200. However,
it can be as expensive as $2198
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Ottumwa after Speeding ticket
Car Insurance Price Trends in Ottumwa,
South Dakota
Car insurance rates in Ottumwa have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Ottumwa rose by
$211 in January
compared to $208 of December. In other words, there has been an increase by $3 when you
compare January and December.
The average cost of liability insurance in the Ottumwa remained steady at $38 in both January and December, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Ottumwa. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Ottumwa?
The car insurance in Ottumwa is $21 per month, which is lower than the national average.
What is the cheapest car insurance in Ottumwa?
The cheapest car insurance in Ottumwa
is $63 per month
for full coverage.
How much is car insurance in Ottumwa for teenagers?
Car insurance for teenagers costs $193 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
Ottumwa?
The average cost of car insurance is $954 for a six-month
policy. It will cost around $200 per month to insure your
car in Ottumwa.
Is car insurance expensive in Ottumwa?
Car insurance can be expensive in Ottumwa if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Ottumwa can be
affordable.
What is the best car insurance in Ottumwa,
SD?
The best car insurance company in Ottumwa
SD is
American Family, offering $379 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Ottumwa, SD
Car Insurance Rates by State in the USA (2025 Update)
Ottumwa Car Insurance
