Best Rock Valley, IA Car Insurance in 2025
Car insurance in Rock Valley, IA averages $246 a month. Rock Valley, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Rock Valley car insurance rates, compare quotes from the top car insurance companies in Rock Valley, IA.
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Table of Contents
Table of Contents
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Jeffrey Manola
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Tracey L. Wells
Updated November 2025
- The cheapest car insurance company in Rock Valley for teen drivers is USAA
- Average car insurance rates in Rock Valley, IA after a DUI are $3,541/year
- The cheapest car insurance company in Rock Valley is USAA
If you need to buy Rock Valley, Iowa car insurance, the options can be confusing. Everything you need to know about car insurance in Rock Valley, IA is right here.
You’ll find Rock Valley car insurance rates, the cheapest Rock Valley, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Rock Valley, Iowa car insurance rates to Davenport car insurance rates, West Des Moines car insurance rates, and Ames car insurance rates.
Ready to find affordable Rock Valley, IA car insurance today? Enter your ZIP code for fast, free Rock Valley car insurance quotes.
Cheapest Rock Valley, IA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Rock Valley, IA car insurance rates? Every Rock Valley, Iowa car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,160 | $2,073 | $1,920 | $1,954 | $6,294 | $7,089 | $2,351 | $2,417 |
| American Family | $1,938 | $1,938 | $1,734 | $1,734 | $5,176 | $7,258 | $1,938 | $2,334 |
| Farmers | $1,510 | $1,539 | $1,351 | $1,477 | $4,580 | $4,887 | $2,048 | $2,192 |
| Geico | $1,821 | $1,640 | $1,620 | $1,483 | $4,142 | $3,866 | $1,733 | $1,612 |
| Liberty Mutual | $2,146 | $2,333 | $1,886 | $2,294 | $10,198 | $11,487 | $2,431 | $2,684 |
| Nationwide | $1,757 | $1,802 | $1,567 | $1,671 | $4,050 | $5,238 | $1,990 | $2,164 |
| Progressive | $1,740 | $1,667 | $1,432 | $1,492 | $4,395 | $4,959 | $2,091 | $2,267 |
| State Farm | $1,342 | $1,342 | $1,182 | $1,182 | $3,698 | $4,676 | $1,510 | $1,728 |
| Travelers | $2,313 | $2,361 | $2,243 | $2,250 | $10,142 | $16,154 | $2,404 | $2,848 |
| USAA | $1,239 | $1,254 | $1,136 | $1,161 | $3,318 | $3,528 | $1,487 | $1,644 |
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Minimum Car Insurance in Rock Valley, IA
Every driver must carry the minimum car insurance in Rock Valley, IA. Take a look at the Iowa car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $20,000 per person $40,000 per accident |
| Property Damage Liability Coverage | $15,000 minimum |
Cheapest Rock Valley, IA Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Rock Valley, IA. Compare credit history car insurance rates in Rock Valley from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,929 | $3,118 | $2,800 |
| American Family | $3,834 | $2,817 | $2,369 |
| Farmers | $2,805 | $2,331 | $2,208 |
| Geico | $2,691 | $2,240 | $1,788 |
| Liberty Mutual | $6,328 | $3,898 | $3,070 |
| Nationwide | $3,071 | $2,408 | $2,111 |
| Progressive | $2,950 | $2,394 | $2,173 |
| State Farm | $2,965 | $1,835 | $1,448 |
| Travelers | $5,728 | $4,886 | $4,654 |
| USAA | $2,427 | $1,667 | $1,444 |
Cheapest Rock Valley, IA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Rock Valley, IA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,787 | $3,381 | $3,843 | $3,118 |
| American Family | $2,170 | $3,179 | $4,125 | $2,552 |
| Farmers | $2,088 | $2,586 | $2,622 | $2,496 |
| Geico | $1,702 | $2,373 | $3,058 | $1,826 |
| Liberty Mutual | $3,829 | $4,733 | $4,834 | $4,333 |
| Nationwide | $1,831 | $2,631 | $3,586 | $2,072 |
| Progressive | $2,009 | $3,313 | $2,182 | $2,517 |
| State Farm | $1,924 | $2,242 | $2,083 | $2,083 |
| Travelers | $3,717 | $4,944 | $6,614 | $5,084 |
| USAA | $1,411 | $1,893 | $2,461 | $1,619 |
Cheapest Rock Valley, IA Car Insurance for Teen Drivers
Teen car insurance in Rock Valley, IA can be expensive. Take a look at rates from the top car insurance companies in Rock Valley for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,294 | $7,089 |
| American Family | $5,176 | $7,258 |
| Farmers | $4,580 | $4,887 |
| Geico | $4,142 | $3,866 |
| Liberty Mutual | $10,198 | $11,487 |
| Nationwide | $4,050 | $5,238 |
| Progressive | $4,395 | $4,959 |
| State Farm | $3,698 | $4,676 |
| Travelers | $10,142 | $16,154 |
| USAA | $3,318 | $3,528 |
Cheapest Rock Valley, IA Car Insurance for Seniors
Take a look at Rock Valley, IA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,920 | $1,954 |
| American Family | $1,734 | $1,734 |
| Farmers | $1,351 | $1,477 |
| Geico | $1,620 | $1,483 |
| Liberty Mutual | $1,886 | $2,294 |
| Nationwide | $1,567 | $1,671 |
| Progressive | $1,432 | $1,492 |
| State Farm | $1,182 | $1,182 |
| Travelers | $2,243 | $2,250 |
| USAA | $1,136 | $1,161 |
Cheapest Rock Valley, IA Car Insurance Rates After a DUI
A DUI in Rock Valley, IA increases car insurance rates. Compare Rock Valley, Iowa DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,843 |
| American Family | $4,125 |
| Farmers | $2,622 |
| Geico | $3,058 |
| Liberty Mutual | $4,834 |
| Nationwide | $3,586 |
| Progressive | $2,182 |
| State Farm | $2,083 |
| Travelers | $6,614 |
| USAA | $2,461 |
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Cheapest Rock Valley, IA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Rock Valley, IA by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,204 | $3,361 |
| American Family | $2,971 | $3,042 |
| Farmers | $2,448 | $2,448 |
| Geico | $2,195 | $2,285 |
| Liberty Mutual | $4,432 | $4,432 |
| Nationwide | $2,530 | $2,530 |
| Progressive | $2,505 | $2,505 |
| State Farm | $2,033 | $2,132 |
| Travelers | $5,089 | $5,089 |
| USAA | $1,779 | $1,913 |
The Best Cheap Car Insurance Companies in Rock Valley, IA
Take a look at a side-by-side comparison of the top car insurance companies in Rock Valley, IA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,282 |
| American Family | $3,006 |
| Farmers | $2,448 |
| Geico | $2,240 |
| Liberty Mutual | $4,432 |
| Nationwide | $2,530 |
| Progressive | $2,505 |
| State Farm | $2,083 |
| Travelers | $5,089 |
| USAA | $1,846 |
Category Winners: Cheapest Car Insurance in Rock Valley, Iowa
Find the cheapest car insurance companies in Rock Valley, IA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Cheapest Rock Valley, IA Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Rock Valley car insurance rates. Find the cheapest Rock Valley, IA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,145 | $3,287 | $3,416 |
| American Family | $3,019 | $3,173 | $2,827 |
| Farmers | $2,348 | $2,456 | $2,540 |
| Geico | $2,141 | $2,240 | $2,338 |
| Liberty Mutual | $4,248 | $4,422 | $4,626 |
| Nationwide | $2,624 | $2,522 | $2,444 |
| Progressive | $2,352 | $2,512 | $2,652 |
| State Farm | $1,983 | $2,094 | $2,171 |
| Travelers | $4,786 | $5,167 | $5,316 |
| USAA | $1,748 | $1,852 | $1,938 |
What affects car insurance rates in Rock Valley, Iowa?
What factors can have an impact on Rock Valley, IA car insurance? There are several reasons why Rock Valley car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Rock Valley, Iowa.
Commute Time in Rock Valley
The more time you spend in your car the higher the risk of an accident. The average commute length in Rock Valley, IA is 11.4 minutes according to City-Data.
Compare Car Insurance Quotes in Rock Valley, IA
Ready to find affordable Rock Valley, Iowa car insurance today? Enter your ZIP code for fast, free Rock Valley, IA car insurance quotes.
Frequently Asked Questions
What factors affect car insurance rates in Rock Valley, IA?
Several factors can influence car insurance rates in Rock Valley, IA. Some common factors include your driving history, age, gender, marital status, the type of car you drive, your credit score, the coverage limits you choose, and the deductible amount.
How can I find the best car insurance rates in Rock Valley, IA?
To find the best car insurance rates in Rock Valley, IA, consider the following steps:
- Shop around and compare quotes from multiple insurance providers.
- Maintain a clean driving record and avoid traffic violations.
- Increase your deductibles if you can afford it, as higher deductibles can lower your premiums.
- Ask about available discounts, such as safe driver discounts, multi-policy discounts, or discounts for low mileage.
- Consider bundling your car insurance with other policies, such as home or renters insurance.
Are car insurance rates higher for young drivers in Rock Valley, IA?
Generally, car insurance rates tend to be higher for young drivers in Rock Valley, IA. Young drivers are considered to be riskier to insure due to their limited driving experience. However, discounts and programs may be available to help reduce premiums for young drivers, such as good student discounts or completion of driver education courses.
Can my credit score impact my car insurance rates in Rock Valley, IA?
Yes, your credit score can affect your car insurance rates in Rock Valley, IA. Insurance companies often consider credit-based insurance scores when determining premiums. A higher credit score may result in lower insurance rates, while a lower credit score may lead to higher premiums. However, the weight given to credit scores can vary among insurance providers.
Are there any specific requirements for car insurance coverage in Rock Valley, IA?
In Rock Valley, IA, the state requires drivers to carry liability insurance. The minimum liability coverage limits mandated by law are typically expressed as three numbers, such as 25/50/25. This means the minimum coverage should include $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident, and $25,000 for property damage liability per accident.
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