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Get Cheap Car Insurance in Lucas, IA

We monitor insurance prices, helping the average driver in Lucas save up to 33.2% on car insurance.

 

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The Cheapest Minimum Coverage in Lucas

The chart below shows the cheapest car insurance company in Lucas 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.

 
Lucas Insurer Monthly Cost
State Farm $27
IMT Insurance $28
Auto-Owners Insurance $29
Farm Bureau $30

Savings for Every Kind of Lucas Driver

The table shows how much the average auto insurance customer in Lucas might save by following our recommendations.

Based on our extensive insurance data, we know the average Lucas 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 $269 per year by choosing the right vehicle insurance company. Some Lucas residents are paying out over $1,230 extra every year for auto insurance in Lucas. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Lucas, IA Savings / Yr.
Drivers with good records
$269
Drivers with accidents
$374
Drivers with speeding tickets
$319
Drivers with a DUI conviction
$429
Young drivers
$1,125
Married drivers
$370
Drivers with bad credit
$567

Lucas Car Insurance vs. Iowa

People living in Lucas pay an average of 1.50% less than the typical driver in the state. The average driver in Lucas can expect to pay about $483 per year, or $1,230 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in Lucas for most people.

Car Insurance Prices by Lucas Neighborhood

Lucas, IA map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Lucas?

The map shows insurance prices in and around Lucas, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $82 per year within the city boundaries, with insurance premiums ranging from a high of $1,299 to a low of $1,217. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the South parts of Lucas.

Pick the Best Car Insurance Company for You in Lucas

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Lucas insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Lucas

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $269 over the average Lucas car insurance company.

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We use the average good driver, paying $80 per month, as our baseline for pricing in Lucas. State Farm, IMT Insurance, and Midvale Home & Auto are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Lucas drivers with accidents on their records

In Lucas getting into an accident will raise premiums an average 32% for a yearly cost of $1,801. That's $570 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, IMT Insurance, and Auto-Owners Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $374 over the competition.

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The best car insurance company for Lucas drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $319 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Lucas, tickets raise premiums on new quotes about $320. If you have a speeding ticket, we recommend State Farm, IMT Insurance, and Auto-Owners Insurance for savings that beat the average insurance cost of $1,550 per year.

The best auto insurance for Lucas drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,946 per year in auto insurance premiums, which was $716 more than a driver with no major issues. State Farm, Progressive, and IMT Insurance penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $429 less each year.

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The least expensive car insurance company for new and young drivers in Lucas

In Lucas, IMT Insurance costs young drivers $1,125 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 64% more for insurance than more mature drivers in Lucas. With an average cost of $3,385 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, IMT Insurance, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Lucas

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $83. State Farm, IMT Insurance, and Farm Bureau provided the largest discounts to couples living in Lucas.

State Farm gave the largest car insurance discounts to married couples, averaging $370 saved each year compared to an average Lucas couple's premiums.

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The cheapest car insurance in Lucas for drivers with bad credit

People with poor credit saved an average of $567 with IMT Insurance.

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Many people are surprised that their poor credit score can cost them an average of $805 every year. Premiums for people with poor credit were about $2,035 in Lucas. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Nationwide, Travelers, and IMT Insurance.

The best Lucas car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Lucas, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Farmers Insurance as the best provider in Lucas.

Nationwide was the best company for customer service in Lucas according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Lucas, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Lucas. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Lucas

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 6.3% of Lucas residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Lucas driver can expect to pay about $81 per month.

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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 Lucas, 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.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Lucas

What Influences the Cost of Car Insurance in Lucas?

On average, car insurance in Lucas 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 Lucas is 36 minutes, which is far more than average for a driver in the state.
  • Iowa state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Lucas are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
  • Lucas 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 Lucas is $40 per month for minimum coverage and $103 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

Cities with Similar Populations

* Who is the average Lucas driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Lucas with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.