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Get Cheap Car Insurance in Ottumwa Junction, IA
We monitor insurance prices, helping the average driver in Ottumwa Junction save up to 33.2% on car insurance.
The Cheapest Minimum Coverage in Ottumwa Junction
The chart below shows the cheapest car insurance company in Ottumwa Junction 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.
| Ottumwa Junction Insurer | Monthly Cost |
|---|---|
| State Farm | $27 |
| IMT Insurance | $27 |
| Auto-Owners Insurance | $29 |
| Farm Bureau | $30 |
Savings for Every Kind of Ottumwa Junction Driver
Based on our extensive insurance data, we know the average Ottumwa Junction 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 $264 per year by choosing the right vehicle insurance company. Some Ottumwa Junction residents are paying out over $1,208 extra every year for auto insurance in Ottumwa Junction. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Ottumwa Junction, IA Savings / Yr. |
|---|---|
$264 |
|
$367 |
|
$313 |
|
$422 |
|
$1,104 |
|
$364 |
|
$557 |
Ottumwa Junction Car Insurance vs. Iowa
People living in Ottumwa Junction pay an average of 3.32% less than the typical driver in the state. The average driver in Ottumwa Junction can expect to pay about $474 per year, or $1,208 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Ottumwa Junction for most people.
Car Insurance Prices by Ottumwa Junction Neighborhood
Insurance Prices
Where is insurance cheapest within Ottumwa Junction?
The map shows insurance prices in and around Ottumwa Junction, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $41 per year within the city boundaries, with insurance premiums ranging from a high of $1,238 to a low of $1,197. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Central parts of Ottumwa Junction.Pick the Best Car Insurance Company for You in Ottumwa Junction
The best car insurance provider for most drivers in Ottumwa Junction
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $264 over the average Ottumwa Junction car insurance company.
The best car insurance provider for Ottumwa Junction 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 $367 over the competition.
The best car insurance company for Ottumwa Junction drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $313 better than other car insurance companies.
The best auto insurance for Ottumwa Junction drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $422 less each year.
The least expensive car insurance company for new and young drivers in Ottumwa Junction
In Ottumwa Junction, IMT Insurance costs young drivers $1,104 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Ottumwa Junction
State Farm gave the largest car insurance discounts to married couples, averaging $364 saved each year compared to an average Ottumwa Junction couple's premiums.
The cheapest car insurance in Ottumwa Junction for drivers with bad credit
The best Ottumwa Junction car insurance company for customer service
Nationwide was the best company for customer service in Ottumwa Junction according to the NAIC.
Recent price drops
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The cheapest large national provider in Ottumwa Junction
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Ottumwa Junction 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 Ottumwa Junction, 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 Ottumwa Junction
What Influences the Cost of Car Insurance in Ottumwa Junction?
On average, car insurance in Ottumwa Junction 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 Ottumwa Junction is 23 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 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Ottumwa Junction are among the highest 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.
- Ottumwa Junction is one of the least populated areas 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 Ottumwa Junction is $39 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
- Cliffland: Insurance costs 0.83% more
- Chillicothe: Insurance costs 1.49% more
- Ottumwa: Insurance costs 2.57% more
- Rutledge: Insurance costs 0.75% more
- Munterville: Insurance costs 0.41% more
- Dahlonega: Insurance costs 3.15% more
- Kirkville: Insurance costs 1.41% more
- Dudley: Insurance costs 3.97% more
- Blakesburg: Insurance costs 1.32% more
- Agency: Insurance costs 0.75% more
Cities with Similar Populations
- Rozel: Insurance costs 31.87% more
- Moose River: Insurance costs 22.85% less
- Morrisville Station: Insurance costs 77.24% more
- Rockland: Insurance costs 94.45% more
- Rocky Bottom: Insurance costs 30.22% more
- Rocky Mountain: Insurance costs 43.29% more
- Rodemer: Insurance costs 22.02% more
- Rokeby Lock: Insurance costs 5.38% less
- Roman: Insurance costs 4.64% less
- Romont: Insurance costs 26.82% more