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 Mason City, IA
We monitor insurance prices, helping the average driver in Mason City save up to 33.2% on car insurance.
The Cheapest Minimum Coverage in Mason City
The chart below shows the cheapest car insurance company in Mason City 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.
| Mason City Insurer | Monthly Cost |
|---|---|
| State Farm | $27 |
| IMT Insurance | $28 |
| Auto-Owners Insurance | $29 |
| Farm Bureau | $30 |
Savings for Every Kind of Mason City Driver
Based on our extensive insurance data, we know the average Mason City 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 $265 per year by choosing the right vehicle insurance company. Some Mason City residents are paying out over $1,211 extra every year for auto insurance in Mason City. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Mason City, IA Savings / Yr. |
|---|---|
$265 |
|
$369 |
|
$314 |
|
$423 |
|
$1,108 |
|
$365 |
|
$559 |
Mason City Car Insurance vs. Iowa
People living in Mason City pay an average of 3.01% less than the typical driver in the state. The average driver in Mason City can expect to pay about $475 per year, or $1,211 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Mason City for most people.
Car Insurance Prices by Mason City Neighborhood
Insurance Prices
Where is insurance cheapest within Mason City?
The map shows insurance prices in and around Mason City, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $167 per year within the city boundaries, with insurance premiums ranging from a high of $1,333 to a low of $1,166. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the East parts of Mason City.Pick the Best Car Insurance Company for You in Mason City
The best car insurance provider for most drivers in Mason City
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $265 over the average Mason City car insurance company.
The best car insurance provider for Mason City 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 $369 over the competition.
The best car insurance company for Mason City drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $314 better than other car insurance companies.
The best auto insurance for Mason City drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $423 less each year.
The least expensive car insurance company for new and young drivers in Mason City
In Mason City, IMT Insurance costs young drivers $1,108 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Mason City
State Farm gave the largest car insurance discounts to married couples, averaging $365 saved each year compared to an average Mason City couple's premiums.
The cheapest car insurance in Mason City for drivers with bad credit
The best Mason City car insurance company for customer service
Nationwide was the best company for customer service in Mason City according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Mason City, which was better than other insurers.
The cheapest large national provider in Mason City
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Mason City 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 Mason City, 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 Mason City
What Influences the Cost of Car Insurance in Mason City?
On average, car insurance in Mason City 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 Mason City is 19 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 Mason City are among the lowest 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 C according to CrimeGrade.org.
- Mason City is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Mason City is $40 per month for minimum coverage and $101 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
- Portland: Insurance costs 1.98% less
- Freeman: Insurance costs 1.16% less
- Emery: Insurance costs 1.07% less
- Hanford: Insurance costs 2.97% less
- Rock Falls: Insurance costs 2.06% less
- Plymouth: Insurance costs 1.40% less
- Clear Lake: Insurance costs 1.32% less
- Manly: Insurance costs 0.50% more
- Nora Springs: Insurance costs 0.08% less
- Rockwell: Insurance costs 0.83% less
Cities with Similar Populations
- Faribault: Insurance costs 32.54% more
- Green: Insurance costs 11.48% less
- Glasgow: Insurance costs 70.60% more
- Fremont: Insurance costs 9.99% less
- Freeport: Insurance costs 21.80% more
- Fortuna Foothills: Insurance costs 39.80% more
- Fort Hood: Insurance costs 36.00% more
- Fort Dodge: Insurance costs 0.17% more
- Flowing Wells: Insurance costs 46.41% more
- Feasterville-Trevose: Insurance costs 18.33% more