Best Fort Dodge, Iowa Auto Insurance in 2024
The average Fort Dodge, IA auto insurance rates are $246 per month. The minimum auto insurance in Fort Dodge is at least 20/40/15 in coverage to comply with Iowa auto insurance laws. To find the best cheap auto insurance in Fort Dodge, Iowa, compare quotes from multiple companies.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Sep 7, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 7, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Fort Dodge, IA for senior drivers are $1,634 per year
- The average commute length in Fort Dodge is 14.4 minutes
- The minimum auto insurance required in Fort Dodge, Iowa is 20/40/15
Fort Dodge, Iowa auto insurance requirements are 20/40/15 according to Iowa auto insurance laws. Finding cheap auto insurance in Fort Dodge can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Fort Dodge, Iowa, including driving record, credit, commute time, and more.
Compare auto insurance in Fort Dodge to other Iowa cities, including Waterloo auto insurance rates, West Des Moines auto insurance rates, and Council Bluffs auto insurance rates to see how Fort Dodge, Iowa auto insurance rates stack up.
Before you buy Fort Dodge, Iowa auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Fort Dodge, Iowa auto insurance quotes.
Minimum Auto Insurance in Fort Dodge, Iowa
Fort Dodge, Iowa auto insurance laws require that you have at least the Iowa minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Fort Dodge, Iowa.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $20,000 per person $40,000 per accident |
| Property Damage Liability Coverage | $15,000 minimum |
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Cheap Fort Dodge, Iowa Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Fort Dodge, Iowa are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $1,978 | $1,882 | $1,774 | $1,801 | $6,048 | $6,859 | $2,127 | $2,178 |
| American Family | $1,834 | $1,834 | $1,646 | $1,646 | $4,981 | $6,935 | $1,834 | $2,204 |
| Farmers | $1,478 | $1,506 | $1,324 | $1,444 | $4,449 | $4,739 | $2,000 | $2,144 |
| Geico | $1,940 | $1,743 | $1,766 | $1,632 | $4,550 | $4,229 | $1,814 | $1,667 |
| Liberty Mutual | $2,145 | $2,333 | $1,884 | $2,291 | $10,137 | $11,420 | $2,430 | $2,683 |
| Nationwide | $1,699 | $1,744 | $1,515 | $1,616 | $3,921 | $5,068 | $1,925 | $2,092 |
| Progressive | $1,608 | $1,545 | $1,328 | $1,377 | $4,009 | $4,522 | $1,934 | $2,093 |
| State Farm | $1,291 | $1,291 | $1,151 | $1,151 | $3,752 | $4,724 | $1,457 | $1,674 |
| Travelers | $2,640 | $2,693 | $2,569 | $2,572 | $11,704 | $18,552 | $2,751 | $3,256 |
| USAA | $1,181 | $1,196 | $1,084 | $1,108 | $3,143 | $3,342 | $1,417 | $1,566 |
Cheap Fort Dodge, Iowa Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Fort Dodge, Iowa is a challenge. Take a look at the annual teen auto insurance rates in Fort Dodge, Iowa.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,048 | $6,859 |
| American Family | $4,981 | $6,935 |
| Farmers | $4,449 | $4,739 |
| Geico | $4,550 | $4,229 |
| Liberty Mutual | $10,137 | $11,420 |
| Nationwide | $3,921 | $5,068 |
| Progressive | $4,009 | $4,522 |
| State Farm | $3,752 | $4,724 |
| Travelers | $11,704 | $18,552 |
| USAA | $3,143 | $3,342 |
Cheap Fort Dodge, Iowa Auto Insurance for Seniors
What are senior auto insurance rates in Fort Dodge, Iowa? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,774 | $1,801 |
| American Family | $1,646 | $1,646 |
| Farmers | $1,324 | $1,444 |
| Geico | $1,766 | $1,632 |
| Liberty Mutual | $1,884 | $2,291 |
| Nationwide | $1,515 | $1,616 |
| Progressive | $1,328 | $1,377 |
| State Farm | $1,151 | $1,151 |
| Travelers | $2,569 | $2,572 |
| USAA | $1,084 | $1,108 |
Cheap Fort Dodge, Iowa Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Fort Dodge, Iowa compared to the annual auto insurance rates with a clean record in Fort Dodge, Iowa.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,590 | $3,167 | $3,646 | $2,921 |
| American Family | $2,067 | $3,034 | $3,928 | $2,429 |
| Farmers | $2,033 | $2,522 | $2,558 | $2,430 |
| Geico | $1,796 | $2,560 | $3,388 | $1,927 |
| Liberty Mutual | $3,815 | $4,714 | $4,816 | $4,316 |
| Nationwide | $1,774 | $2,545 | $3,466 | $2,006 |
| Progressive | $1,849 | $3,039 | $2,007 | $2,314 |
| State Farm | $1,891 | $2,232 | $2,061 | $2,061 |
| Travelers | $4,250 | $5,679 | $7,606 | $5,832 |
| USAA | $1,342 | $1,799 | $2,337 | $1,540 |
Cheap Fort Dodge, Iowa Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Fort Dodge, Iowa is not easy. Compare the annual rates for DUI auto insurance in Fort Dodge, Iowa to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $3,646 |
| American Family | $3,928 |
| Farmers | $2,558 |
| Geico | $3,388 |
| Liberty Mutual | $4,816 |
| Nationwide | $3,466 |
| Progressive | $2,007 |
| State Farm | $2,061 |
| Travelers | $7,606 |
| USAA | $2,337 |
Cheap Fort Dodge, Iowa Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Fort Dodge, Iowa annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,681 | $2,925 | $2,636 |
| American Family | $3,650 | $2,683 | $2,261 |
| Farmers | $2,736 | $2,270 | $2,151 |
| Geico | $2,907 | $2,418 | $1,928 |
| Liberty Mutual | $6,305 | $3,882 | $3,058 |
| Nationwide | $2,972 | $2,330 | $2,042 |
| Progressive | $2,714 | $2,199 | $1,994 |
| State Farm | $2,935 | $1,816 | $1,433 |
| Travelers | $6,571 | $5,610 | $5,345 |
| USAA | $2,307 | $1,584 | $1,372 |
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Cheap Fort Dodge, Iowa Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Fort Dodge, Iowa can vary. Compare the annual cost of auto insurance by ZIP code in Fort Dodge, Iowa to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 50501 | $2,501 |
Cheap Fort Dodge, Iowa Auto Insurance Rates By Commute
Commute length and annual mileage affect Fort Dodge, Iowa auto insurance. Find the cheapest annual Fort Dodge, Iowa auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,007 | $3,155 |
| American Family | $2,831 | $2,898 |
| Farmers | $2,386 | $2,386 |
| Geico | $2,375 | $2,461 |
| Liberty Mutual | $4,415 | $4,415 |
| Nationwide | $2,448 | $2,448 |
| Progressive | $2,302 | $2,302 |
| State Farm | $2,012 | $2,111 |
| Travelers | $5,842 | $5,842 |
| USAA | $1,691 | $1,818 |
Cheap Fort Dodge, Iowa Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Fort Dodge, Iowa? Check out the comparison of annual Fort Dodge, Iowa auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $2,950 | $3,086 | $3,207 |
| American Family | $2,864 | $3,025 | $2,704 |
| Farmers | $2,288 | $2,393 | $2,476 |
| Geico | $2,281 | $2,419 | $2,552 |
| Liberty Mutual | $4,233 | $4,405 | $4,608 |
| Nationwide | $2,555 | $2,436 | $2,352 |
| Progressive | $2,168 | $2,310 | $2,428 |
| State Farm | $1,945 | $2,075 | $2,164 |
| Travelers | $5,536 | $5,928 | $6,063 |
| USAA | $1,660 | $1,760 | $1,843 |
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Best By Category: Cheapest Auto Insurance in Fort Dodge, Iowa
Compare the cheapest auto insurance companies in Fort Dodge, Iowa in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | USAA |
The Cheapest Fort Dodge, Iowa Auto Insurance Companies
What auto insurance companies in Fort Dodge, Iowa are the cheapest? Compare the top Fort Dodge, Iowa auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,081 |
| American Family | $2,864 |
| Farmers | $2,386 |
| Geico | $2,418 |
| Liberty Mutual | $4,415 |
| Nationwide | $2,448 |
| Progressive | $2,302 |
| State Farm | $2,061 |
| Travelers | $5,842 |
| USAA | $1,755 |
What affects auto insurance rates in Fort Dodge, Iowa?
There are a lot of reasons why auto insurance rates in Fort Dodge, Iowa are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Fort Dodge, Iowa. Many local factors may affect your Fort Dodge auto insurance rates.
Fort Dodge Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Fort Dodge, Iowa commute length is 14.4 minutes according to City-Data.
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Compare Fort Dodge, Iowa Auto Insurance Quotes
Before you buy Fort Dodge, Iowa auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Fort Dodge, Iowa auto insurance quotes.
Frequently Asked Questions
Is auto insurance mandatory in Fort Dodge, IA?
Yes, auto insurance is mandatory in Fort Dodge, IA, as it is in most states. The Iowa law requires all drivers to carry liability insurance to cover any injuries or damages they may cause to others in an accident.
What are the types of auto insurance coverage available in Fort Dodge, IA?
The common types of auto insurance coverage available in Fort Dodge, IA, include:
- Liability coverage: Covers bodily injury and property damage you cause to others.
- Collision coverage: Pays for damage to your vehicle in case of a collision.
- Comprehensive coverage: Protects your vehicle against damage from non-collision incidents like theft, fire, or vandalism.
- Personal injury protection (PIP): Provides coverage for medical expenses, lost wages, and other related costs for you and your passengers.
How much auto insurance coverage do I need in Fort Dodge, IA?
The required minimum liability coverage in Fort Dodge, IA, is 25/50/20, which means:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability per accident
How are auto insurance rates determined in Fort Dodge, IA?
Auto insurance rates in Fort Dodge, IA, are influenced by various factors, including:
- Your driving record
- Age and gender
- Vehicle make and model
- Annual mileage
- Credit history
- Coverage types and limits
- Deductibles
Can I get discounts on my auto insurance in Fort Dodge, IA?
Yes, many insurance companies offer various discounts that can help reduce your auto insurance premiums in Fort Dodge, IA. Some common discounts include:
- Safe driver discounts
- Multi-policy discounts
- Good student discounts
- Anti-theft device discounts
- Vehicle safety feature discounts
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.