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Get Cheap Car Insurance in Neptune, IA
We monitor insurance prices, helping the average driver in Neptune save up to 33.2% on car insurance.
The Cheapest Minimum Coverage in Neptune
The chart below shows the cheapest car insurance company in Neptune 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.
| Neptune Insurer | Monthly Cost |
|---|---|
| State Farm | $26 |
| IMT Insurance | $27 |
| Auto-Owners Insurance | $28 |
| Farm Bureau | $30 |
Savings for Every Kind of Neptune Driver
Based on our extensive insurance data, we know the average Neptune 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 $261 per year by choosing the right vehicle insurance company. Some Neptune residents are paying out over $1,195 extra every year for auto insurance in Neptune. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Neptune, IA Savings / Yr. |
|---|---|
$261 |
|
$363 |
|
$310 |
|
$417 |
|
$1,092 |
|
$360 |
|
$551 |
Neptune Car Insurance vs. Iowa
People living in Neptune pay an average of 4.35% less than the typical driver in the state. The average driver in Neptune can expect to pay about $469 per year, or $1,195 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Neptune for most people.
Car Insurance Prices by Neptune Neighborhood
Insurance Prices
Where is insurance cheapest within Neptune?
The map shows insurance prices in and around Neptune, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $26 per year within the city boundaries, with insurance premiums ranging from a high of $1,213 to a low of $1,187. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Southwest parts of Neptune.Pick the Best Car Insurance Company for You in Neptune
The best car insurance provider for most drivers in Neptune
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $261 over the average Neptune car insurance company.
The best car insurance provider for Neptune 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 $363 over the competition.
The best car insurance company for Neptune drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $310 better than other car insurance companies.
The best auto insurance for Neptune drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $417 less each year.
The least expensive car insurance company for new and young drivers in Neptune
In Neptune, IMT Insurance costs young drivers $1,092 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Neptune
State Farm gave the largest car insurance discounts to married couples, averaging $360 saved each year compared to an average Neptune couple's premiums.
The cheapest car insurance in Neptune for drivers with bad credit
The best Neptune car insurance company for customer service
Recent price drops
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The cheapest large national provider in Neptune
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Neptune 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 Neptune, 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 Neptune
What Influences the Cost of Car Insurance in Neptune?
On average, car insurance in Neptune 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 Neptune is 25 minutes, which is a little less 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 Neptune are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- Neptune 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 Neptune 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
- Hinton: Insurance costs 0.17% less
- Merrill: Insurance costs the same
- Lawton: Insurance costs 0.17% less
- Sioux City: Insurance costs 6.78% more
- Union Center: Insurance costs 1.51% more
- West Le Mars: Insurance costs 0.67% more
- Moville: Insurance costs 1.09% more
- Kingsley: Insurance costs 2.59% more
- Millnerville: Insurance costs 0.50% more
- Le Mars: Insurance costs 0.42% less
Cities with Similar Populations
- Eris: Insurance costs 8.03% less
- Filley: Insurance costs 50.29% more
- Fidelity: Insurance costs 25.27% more
- Felch: Insurance costs 132.89% more
- Fame: Insurance costs 36.07% more
- Falmouth: Insurance costs 18.16% more
- Fair Oaks: Insurance costs 36.74% more
- Eunice: Insurance costs 77.82% more
- Essex: Insurance costs 7.20% less
- Filley: Insurance costs 15.98% more