Dubuque Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Iowa has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Dubuque typically pay around $109.33 per month compared to the national average of $167.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Dubuque, IA Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Safeco generally has the most affordable car insurance in Dubuque coming in around $52.44 per month. Other companies to consider if you live in Dubuque is Dairyland with an average cost of $69.00 per month and State Farm which typically runs around $79.00 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Dubuque.

How Much is Car Insurance in Dubuque, IA?

Rates can vary from city to city. The residents of Ames typically pay $109.04 per month while people who live in Waterloo will pay $95.80 per month on average. See what people pay for car insurance in other cities in Iowa.

Cheap Car Insurance in Dubuque by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Iowa. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Dubuque

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $80.44 per month in Dubuque. Compare that to drivers in their 30’s who typically pay around $158.68 per month drivers in their 40s at $150.50 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Dubuque

If you are teen in Dubuque you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Farm Bureau Mutual (IA Group) typically charges around $150.45 per month. This is likely the most affordable option in Dubuque. You might also want to consider IMT Insurance Company and State Farm who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Dubuque

20 year-olds in Dubuque might want to consider SAFECO who, on average, offers car insurance rates around $54.67 per month. Dairyland , State Farm , Sentry and IMT Insurance Company are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Dubuque

If you are in your 30s in Dubuque our research has found that Safeco typically has the most affordable coverage coming in around $50.20 per month, followed by State Farm at $65.19 and Pekin Insurance at $85.28.

Cheapest Insurance for 40 Year-olds in Dubuque

On average, Hastings Mutual Insurance Co offers car insurance for 40 year-olds in Dubuque for around $68.87 per month. If you are looking for affordable coverage, you may also want to consider Pekin Insurance or IMT Insurance Company. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Dubuque

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Dubuque we found that State Farm generally offers the most affordable coverage at $76.18 per month.

Cheapest Insurance for 60 Year-olds in Dubuque

If you live in Dubuque and you’re in your 60s, our data indicates that State Farm usually has the best rates at $50.83 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Dubuque, IA

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Dubuque, the average monthly rate for a driver who is currently insured is $114.54 while drivers who are not currently covered will pay around $101.90.

Compare Recent Car Insurance Quotes in Dubuque

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Dubuque a driver of a 2012 Buick Lacrosse can expect to pay around $304.97 per month while someone that owns a 2019 Mitsubishi Outlander may pay around $90.65 per month. Check out the list of recent quotes in Dubuque below.

FAQ's for Drivers in Dubuque, IA

What Is the Minimum Liability Coverage Requirement in Dubuque, IA?

The vast majority of Iowa motorists simply opt to carry the minimum required coverage. This includes $20,000 bodily injury coverage per person, $40,000 bodily injury to more than one person per accident, and $15,000 property damage coverage per accident.

If you choose not to carry car insurance, you can demonstrate financial responsibility by filing a surety bond, cash, or securities equal to $55,000 with the state treasury. You may also drive a vehicle covered under a certificate of self-insurance from the Office of Driver Services.

In Iowa, you’re also automatically provided with uninsured motorist coverage in the minimum amounts of $20,000 bodily injury per person and $40,000 per accident. You have the right to waive this coverage by submitting a written letter of refusal to your carrier, though. This is a fairly common approach to this type of coverage in the US.

•  $20,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
•  $40,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
•  $15,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

What Is the Blood Alcohol Concentration (BAC) limit in Dubuque, IA?

It’s illegal to drive in Iowa at the following BAC percentages:

• .08%+ at 21 years old or older
• .04%+ for commercial vehicle drivers
• .02%+ at under 21 years old

Iowa law enforcement aggressively monitors for OWI, or operating while intoxicated or drugged. The laws don’t only apply to alcohol-related impairment; it’s also illegal to operate a vehicle when you’re impaired by any controlled substance, legal or illegal. There are more than 9,000 OWI arrests annually in Iowa.

Does Iowa allow the use of digital insurance cards?

Yes, it does. Iowa motorists are no longer forced to rummage through their overstuffed glove compartments, searching for their printed proof of coverage under the impatient stare of a police officer. Simply request an official digital proof of coverage from your carrier (almost all of them provided these now), and you can show it on your electronic mobile device.

Note that if you’ve opted not to buy car insurance and instead have otherwise demonstrated financial responsibility, you must have official documentation of having filed a bond with the state (or of whichever other method applies).

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