Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Freeman, IA
We monitor insurance prices, helping the average driver in Freeman save up to 33.2% on car insurance.
The Cheapest Minimum Coverage in Freeman
The chart below shows the cheapest car insurance company in Freeman for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by IMT Insurance, Auto-Owners Insurance, and Farm Bureau.
| Freeman Insurer | Monthly Cost |
|---|---|
| State Farm | $26 |
| IMT Insurance | $27 |
| Auto-Owners Insurance | $29 |
| Farm Bureau | $30 |
Savings for Every Kind of Freeman Driver
Based on our extensive insurance data, we know the average Freeman driver will save about 22% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $262 per year by choosing the right vehicle insurance company. Some Freeman residents are paying out over $1,197 extra every year for auto insurance in Freeman. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Freeman, IA Savings / Yr. |
|---|---|
$262 |
|
$364 |
|
$311 |
|
$418 |
|
$1,095 |
|
$360 |
|
$552 |
Freeman Car Insurance vs. Iowa
People living in Freeman pay an average of 4.14% less than the typical driver in the state. The average driver in Freeman can expect to pay about $470 per year, or $1,197 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Freeman for most people.
Car Insurance Prices by Freeman Neighborhood
Insurance Prices
Where is insurance cheapest within Freeman?
The map shows insurance prices in and around Freeman, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $18 per year within the city boundaries, with insurance premiums ranging from a high of $1,215 to a low of $1,197. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Central parts of Freeman.Pick the Best Car Insurance Company for You in Freeman
The best car insurance provider for most drivers in Freeman
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $262 over the average Freeman car insurance company.
The best car insurance provider for Freeman drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $364 over the competition.
The best car insurance company for Freeman drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $311 better than other car insurance companies.
The best auto insurance for Freeman drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $418 less each year.
The least expensive car insurance company for new and young drivers in Freeman
In Freeman, IMT Insurance costs young drivers $1,095 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Freeman
State Farm gave the largest car insurance discounts to married couples, averaging $360 saved each year compared to an average Freeman couple's premiums.
The cheapest car insurance in Freeman for drivers with bad credit
The best Freeman car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Freeman, which was better than other insurers.
The cheapest large national provider in Freeman
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Freeman driver can expect to pay about $81 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Freeman, USAA has the best prices for drivers with a DUI conviction, drivers with bad credit, drivers with speeding tickets, drivers with accidents, good drivers, and young drivers.Auto Insurance Prices in and Around Freeman
What Influences the Cost of Car Insurance in Freeman?
On average, car insurance in Freeman is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Freeman is 18 minutes, which is far less than average for a driver in the state.
- Iowa state insurance regulations may allow for lower prices.
- An average of 11 to 12 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Freeman are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
- Freeman is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Freeman is $39 per month for minimum coverage and $100 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Manly: Insurance costs 1.67% more
- Mason City: Insurance costs 1.17% more
- Plymouth: Insurance costs 0.25% less
- Emery: Insurance costs 0.08% more
- Rock Falls: Insurance costs 0.92% less
- Portland: Insurance costs 0.84% less
- Hanlontown: Insurance costs 0.67% less
- Kensett: Insurance costs 1.67% more
- Grafton: Insurance costs 1.67% more
- Clear Lake: Insurance costs 0.17% less
Cities with Similar Populations
- Sheyenne: Insurance costs 20.97% more
- Leatherman: Insurance costs 0.67% less
- Lewisburg: Insurance costs 1.50% more
- Lilley: Insurance costs 134.75% more
- Lorenzo: Insurance costs 8.94% less
- Seven Springs: Insurance costs 45.45% more
- Sharp: Insurance costs 34.00% more
- Shawver Mill: Insurance costs 0.67% more
- Sheldon: Insurance costs 29.91% more
- Shermans Corner: Insurance costs 19.30% less