Cheapest Car Insurance Quotes in Iowa Park

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Iowa Park Car Insurance

^$ 42

/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 Iowa Park

The car insurance rate in Iowa Park is $1028 for a six-month policy, which is $210 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $656, making it a popular choice for budget-conscious drivers. Rates in Iowa Park 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 Iowa Park

$1028

Avg. Car Insurance in Texas

$1238

National Average

$1278

Cheapest Car Insurance Companies in Iowa Park

1st place: Mercury

At $656 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: Texas Farm Bureau

Texas Farm Bureau offers auto insurance rates at $681 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA Texas

AAA Texas offers auto insurance rates at $686 for six months, making it the third cheapest auto insurance company in Iowa Park.

Iowa Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Iowa Park, TX is Mercury, offering policies at just $656 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $681.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $887 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Iowa Park drivers find the best deals.

Cheap Car Insurance Companies in Iowa Park, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$656	$110
Texas Farm Bureau	$681	$115
AAA Texas	$686	$115
State Farm	$710	$120
USAA	$774	$130
Redpoint Insurance	$808	$138
AAA	$996	$166
Progressive	$1035	$174
Southern County Mutual	$1070	$178
Allstate	$2229	$375
Farmers	$2036	$346
Redpoint County Mutual	$793	$135
Geico County Mutual	$887	$151

Key Takeaways

Way's key takeaways about car insurance in Iowa Park

The auto insurance costs in Iowa Park fall around $656 for six months.
The cheapest auto insurance company in Iowa Park is USAA.
Teen drivers pay the highest rate in Iowa Park at $61 per month.

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Cheapest Minimum Liability Car Insurance in Iowa Park

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 Iowa Park are given below.

USAA provides the cheapest minimum car insurance coverage in Iowa Park. Their Average 6 Month Premium is $247. Geico County Mutual is the most expensive at $276 for the same period.

Cheapest Liability Coverage in Iowa Park, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$247	$42
Texas Farm Bureau	$256	$44
State Farm	$266	$45
Redpoint Insurance	$276	$47
Mercury	$320	$54
AAA	$355	$61
AAA Texas	$355	$59
Progressive	$365	$61
Allstate	$769	$129
Farmers	$803	$134
Redpoint County Mutual	$266	$44
Geico County Mutual	$276	$47

Cheapest Full Coverage Car Insurance in Iowa Park

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 Iowa Park is Mercury at $110 per month and $656 for six months.

Cheapest Full Coverage Car Insurance Quotes in Iowa Park, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$656	$110
Texas Farm Bureau	$681	$115
AAA Texas	$686	$115
State Farm	$710	$120
USAA	$774	$130
Redpoint Insurance	$808	$138
AAA	$996	$166
Progressive	$1035	$174
Southern County Mutual	$1070	$178
Allstate	$2229	$375
Farmers	$2036	$346
Redpoint County Mutual	$793	$135
Geico County Mutual	$887	$151

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Average Car Insurance in Iowa Park 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 Iowa Park, TX increasing?

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

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

Car Insurance Premiums by Age in Iowa Park

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 Iowa Park,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Iowa Park at $48 per month. At $365 for a six-month premium, Geico County Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$281	$48
Southern County Mutual	$365	$61
Mercury	$394	$67
AAA Texas	$449	$75
USAA	$1129	$190
State Farm	$1203	$203
Texas Farm Bureau	$1262	$215
AAA	$2071	$345
Allstate	$3791	$638
Progressive	$5285	$890
Farmers	$6646	$1130
Redpoint County Mutual	$271	$46
Geico County Mutual	$365	$61

Teen Car Insurance Rates in TX 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 Iowa Park, Mercury is the cheapest car insurance provider. At $429 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 Iowa Park is Farmers, offering rates of around $3372 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$429	$71
Foremost	$513	$87
AAA Texas	$547	$91
Dairyland	$636	$108
USAA	$956	$159
Progressive	$1370	$231
AAA	$1662	$277
Allstate	$3909	$665
State Farm	$5103	$851
Texas Farm Bureau	$961	$164
Farmers	$3372	$574

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Car Insurance Rates with An Accident in Iowa Park

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 Iowa Park, TX, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Iowa Park

The cheapest car insurance companies after an at-fault accident in Iowa Park include Redpoint Insurance and Southern County Mutual, offering $281 and $340, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $340.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$281	$46
Southern County Mutual	$340	$58
AAA Texas	$528	$88
State Farm	$567	$95
Mercury	$641	$107
USAA	$818	$138
Texas Farm Bureau	$1065	$178
AAA	$1691	$287
Progressive	$1809	$305
Allstate	$3525	$593
Farmers	$5596	$951
Redpoint County Mutual	$271	$45
Geico County Mutual	$340	$58

Iowa Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Iowa Park TX. For example, the car insurance in Iowa Park after a DUI increases to $651 for a six month policy. While the rate increases by $153 for a six-month policy in the case of a speeding ticket.

Iowa Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1065	$178
One Med/PIP claim	$1075	$183
One comp claim	$1129	$188
Not-at-fault accident	$1139	$193
Two Med/PIP claims	$1144	$191
Failure to show documents	$1184	$201
Driving with expired registration	$1193	$199
Two comp claims	$1203	$204
Cell phone violation	$1213	$203
Driving without lights	$1213	$206
Texting while driving	$1213	$203
Driving too slowly	$1218	$207
Speeding 11 - 15 MPH over limit	$1218	$203
Speeding 16 - 20 MPH over limit	$1218	$207
Speeding 6 - 10 MPH over limit	$1218	$203
Speeding in school zone	$1218	$207
Child safety restraint	$1223	$204
Failure to wear a seat belt	$1223	$208
In 65 MPH zone	$1228	$205
Failure to stop at a red light	$1233	$210
Failure to yield	$1233	$206
Following too closely	$1233	$210
Illegal turn	$1233	$206
Improper passing	$1233	$210
Speeding 21 - 25 MPH over limit	$1233	$206
Passing school bus	$1238	$211
Wrong way/wrong lane	$1238	$206
Operating a vehicle without permission	$1243	$212
At-fault accident - less than $1000	$1291	$215
Open container	$1454	$247
Driving with a suspended license	$1509	$251
Racing	$1598	$271
Reckless driving	$1598	$266
Leaving scene of an accident/hit and run	$1637	$278
At-fault accident - $1000-$2000	$1642	$274
Refusal to submit to a chemical test	$1691	$287
DUI	$1716	$286
At-fault accident - greater than $2000	$1785	$304

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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 Iowa Park 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 Iowa Park.

The cheapest car insurance premiums in Iowa Park are offered by Mercury at $424 for a six-month policy. However, it can be as expensive as $2569 with companies like Farmers.

Iowa Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$424	$71
Foremost	$478	$81
Dairyland	$523	$87
AAA Texas	$552	$94
State Farm	$725	$122
USAA	$1129	$190
Progressive	$1154	$194
Nationwide	$1395	$237
AAA	$2559	$427
Allstate	$2914	$491
Texas Farm Bureau	$818	$139
Farmers	$2569	$428

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 Iowa Park are offered by Mercury at $439. However, it can be as expensive as $2795 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Iowa Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$439	$73
State Farm	$453	$76
AAA Texas	$468	$78
USAA	$696	$118
AAA	$1691	$282
Progressive	$1804	$307
Allstate	$2741	$457
Texas Farm Bureau	$424	$72
Farmers	$2795	$476

Car Insurance Price Trends in Iowa Park, Texas

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

The average cost of full coverage in the Iowa Park rose by $179 in January compared to $172 of December. In other words, there has been an increase by $7 when you compare January and December.

The average cost of liability insurance in the Iowa Park rose to $58 in January, compared to $53 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Iowa Park?

The car insurance in Iowa Park is $42 per month, which is lower than the national average.

What is the cheapest car insurance in Iowa Park?

The cheapest car insurance in Iowa Park is $110 per month for full coverage.

How much is car insurance in Iowa Park for teenagers?

Car insurance for teenagers costs $281 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 Iowa Park?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $173 per month to insure your car in Iowa Park.

Is car insurance expensive in Iowa Park?

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

Cheapest Car Insurance Quotes in Iowa Park

Why you can trust Way?

How Much Is Car Insurance in Iowa Park

Avg. Car Insurance in Iowa Park

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Iowa Park

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Iowa Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Iowa Park, TX

Way's key takeaways about car insurance in Iowa Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Iowa Park

Cheapest Liability Coverage in Iowa Park, TX

Cheapest Full Coverage Car Insurance in Iowa Park

Cheapest Full Coverage Car Insurance Quotes in Iowa Park, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Iowa Park by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Iowa Park, TX increasing?

Car Insurance Premiums by Age in Iowa Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Iowa Park,TX

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

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 Iowa Park

Cheapest Car Insurance Companies after an At-Fault Accident in Iowa Park

Iowa Park Car Insurance Rates by Violation

Iowa Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Iowa Park after a DUI

Iowa Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Iowa Park after Speeding ticket

Car Insurance Price Trends in Iowa Park, Texas

Average Car Insurance Cost in Iowa Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Iowa Park, TX

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

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