Ames, IA Auto Insurance Rates

Ames, IA residents can save $310 by comparing multiple quotes & reading reviews & research on Ames car insurance rates, quotes, agents & coverage.

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$561 $772 $1,282

Latest Auto Insurance Reviews in Ames, Iowa


The Hartford
they offer first time forgiveness.I totaled my car, and it did not affect my rates at all. Also they offer discounts for various other things, like taking the defensive driving course
Liberty Mutual
The policy is helpful in that it offers extra coverage for medical expenses. It also offers help paying for a rental vehicle. And it offers damage from random events like a tree falling on the car, or hail storms.
Erie Insurance
I really like the prices that my insurance company offers. They are very competitive with the current market.
Horace Mann
Its about standard for the area in which I live. The rates are a little lower due to the lack of bells and whistles associated with the company.
21st Century Auto Insurance
I like that I have access to my policy information, insurance cards, and other features via my insurance company's app, however I do feel that the phone support for the customer is a bit lacking. I wish that it was easier to contact a person via phone if I have questions or concerns.
Allstate
They are very easily accessible. All State has a 24-hour coverage, where I can reach someone at any time. It's very good and I've used it in the middle of the night before when I've had trouble. I would definitely say they have good customer support.
Allstate
honestly, I don't have anything that I can complain about yet, but I guess the radio ads and the youtube ads are pretty bad I mean it is petty but that's all I have
State Farm
Because I have bad credit I cannot change insurance providers because other estimates come in hundreds of dollars highr.
Write Your Review | Ames, Iowa Auto Insurance Analysis
Travelers Auto Insurance, Ames, IA
$46/1 month
Car Insurance Policy Holder
  • Divorced 44 Years old Female licensed 3 years ago with Financed GMC Sierra 1500 SL used for Commute to Work or School with estimated annual mileage of 15,001 - 20,000.
  • Lawyer & Full Time Job.
  • No accidents , Issued traffic ticket previously , No DUIs , Licence suspended previously.
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 15 K Property Damage
  • 50 K Personal Injury Protection
  • 20 K Uninsured Motorists Bodily Injury
  • 40 K Uninsured Motorists Property Damage
California Casualty, Ames, IA
$75/1 month
Car Insurance Policy Holder
  • Single 28 Years old Female licensed 11 years ago with Own Ford Expedition Limited EL used for Commute to Work or School with estimated annual mileage of 12,001 - 15,000.
  • Bachelors & Full Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 20 K Property Damage
  • 50 K Personal Injury Protection
  • 25 K Uninsured Motorists Bodily Injury
  • 50 K Uninsured Motorists Property Damage
Chubb Group Of Insurance, Ames, IA
$85/1 month
Car Insurance Policy Holder
  • Divorced 28 Years old Female licensed 4 years ago with Financed Infiniti, M Series M37, 4 Door Sedan used for Business with estimated annual mileage of 15,001 - 20,000.
  • Associate, pursuing Bachelors Degree & Full Time Job.
  • No accidents , Issued traffic ticket previously , DUIs in history , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 2 cars insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $20K (Per Person Bodily Injury) / $40K (Per Accident Bodily Injury)
  • 20 K Property Damage
  • 50 K Personal Injury Protection
  • 20 K Uninsured Motorists Bodily Injury
  • 40 K Uninsured Motorists Property Damage
State Farm Auto Insurance, Ames, IA
$555/12 months
Car Insurance Policy Holder
  • Married 49 Years old Male licensed 32 years ago with Leased Acura, MDX, 5 Door 4WD Utility Tech used for Business with estimated annual mileage of 20,001+.
  • High School & Part Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $20K (Per Person Bodily Injury) / $40K (Per Accident Bodily Injury)
  • 20 K Property Damage
  • 25 K Personal Injury Protection
  • 20 K Uninsured Motorists Bodily Injury
  • 40 K Uninsured Motorists Property Damage
California Casualty, Ames, IA
$803/12 months
Car Insurance Policy Holder
  • Married 54 Years old Female licensed 18 years ago with Financed Ford, Explorer Limited, 4 Door SUV 4WD used for Business with estimated annual mileage of 12,001 - 15,000.
  • Associate, pursuing Bachelors Degree & Part Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 20 K Property Damage
  • 50 K Personal Injury Protection
  • 20 K Uninsured Motorists Bodily Injury
  • 40 K Uninsured Motorists Property Damage
Farmers Auto Insurance, Ames, IA
$779/12 months
Car Insurance Policy Holder
  • Single 21 Years old Female licensed 4 years ago with Own Ford, Edge SEL, 4 Door 2WD Utility used for Business with estimated annual mileage of 20,001+.
  • High School & Full Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $20K (Per Person Bodily Injury) / $40K (Per Accident Bodily Injury)
  • 20 K Property Damage
  • 25 K Personal Injury Protection
  • 20 K Uninsured Motorists Bodily Injury
  • 40 K Uninsured Motorists Property Damage
Liberty Mutual, Ames, IA
$833/12 months
Car Insurance Policy Holder
  • Married 24 Years old Female licensed 4 years ago with Own Toyota, Prius, 4 Door Hatchback Hybrid used for Business with estimated annual mileage of 20,001+.
  • Less than High School & Part Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $20K (Per Person Bodily Injury) / $40K (Per Accident Bodily Injury)
  • 15 K Property Damage
  • 25 K Personal Injury Protection
  • 20 K Uninsured Motorists Bodily Injury
  • 40 K Uninsured Motorists Property Damage
Safeco Insurance, Ames, IA
$589/12 months
Car Insurance Policy Holder
  • Divorced 34 Years old Female licensed 14 years ago with Financed Mini, Cooper John Cooper Works, 2 Door Hatchback used for Business with estimated annual mileage of 15,001 - 20,000.
  • Vocational & Full Time Job.
  • No accidents , Issued traffic ticket previously , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 50 K Property Damage
  • 50 K Personal Injury Protection
  • 25 K Uninsured Motorists Bodily Injury
  • 50 K Uninsured Motorists Property Damage
Nationwide Insurance, Ames, IA
$544/12 months
Car Insurance Policy Holder
  • Married 24 Years old Female licensed 5 years ago with Own Cadillac, Escalade EXT Luxury, 4 Door Utility Ethanol used for Business with estimated annual mileage of 20,001+.
  • Vocational & Full Time Job.
  • accidents in history , Issued traffic ticket previously , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $100K (Per Person Bodily Injury) / $200K (Per Accident Bodily Injury)
  • 15 K Property Damage
  • 300 K Personal Injury Protection
  • 100 K Uninsured Motorists Bodily Injury
  • 200 K Uninsured Motorists Property Damage

Ames Car Insurance Rate Comparisons

Ames, IA's average car insurance of $772 differs from Madrid, IA (+$418), Howard, IA (-$52), Story County, IA (-$62) and Iowa (+$256)

Ames Madrid, IA Howard, IA Story County, IA Iowa
Median Insurance Rates $772 +$418 -$52 -$62 +$256

Ames Car Insurance Savings By Neighborhood & Street Area

Ames Driver Street Residence & Car Locations Car Details in Ames Ames Driver Demographics Ames Auto Insurance Estimates Recent Ames Insurance Savings
Other Area
Peach Ln2007 Buick LaCrosse CXS26 year woman$611$533
Golden Aspen2008 Mazda MAZDA3 i Sport16 year female teenager$1,754$406
Carnegie Ave2007 Cadillac DTS Base63 year senior$1,154$731
S Kellogg Ave2009 Ford Fusion SE63 year female senior$676$324
Crestview Mobile Home Park
Raphael Ave2008 Jeep Liberty Sport17 year male teenager$2,181$805
Waller St2007 Chrysler 300 C54 year married man$1,139$716
Rockwell Ave2008 Audi A4 2.0T83 year male senior$1,284$921
Old Orchard Mobile Home Park
Opal Cir2005 Chevrolet Silverado 2500HD Work Truck34 year married woman$640$947
Meadow Glen Rd2014 Volkswagen Jetta S18 year teenager$1,994$821
530th Ave2013 Honda Civic U.S. LX41 year man$1,115$446

Ames Post DUI Car Insurance Rates

Ames Howard Lafayette Palestine Iowa
Median Post DUI Insurance Rate $1435 -$96 +$387 -$59 +$477
Male Teenager Post DUI Insurance Rate $4737 -$318 +$1278 -$195 +$1572
Female Teenager Post DUI Insurance Rate $3602 -$241 +$971 -$148 +$1196

The Post DUI insurance in Ames, IA's is $1435 compared to Howard (-$96), Lafayette (+$387), Palestine (-$59) and Iowa (+$477)

In Ames, a male teenager with Post DUI pays $1135 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2007 Cadillac DTS Base in Ames, IA would pay $5855 on auto insurance while a female teenager POST DUI would pay $4452.

Ames Car Insurance by Segment

Ames Teenagers Car Insurance Rates Comparison

7915 Ames Teenagers (13% of total population), 53% Male & 47% Female.

Ames Cambridge Howard Nevada Iowa
All Teenagers $2153 +$860 -$145 +$165 +$715
Male Teenager $2547 +$1017 -$171 +$195 +$845
Female Teenager $1937 +$773 -$130 +$148 +$643

Ames teenagers pay $2153 in insurance in contrast with Cambridge (+$860), Howard (-$145), Nevada (+$165) and Iowa (+$715). The difference between Male & Female teenagers in Ames is $610

Example

  • 2014 Hyundai Sonata GLS Male Teenager Insurance Rate $2,425
  • 2011 Lincoln MKZ Base Female Teenager Insurance Rate $1,912

Ames Men & Women Car Insurance

59206 Ames Adults (100% of total population), 53% Men & 47% Women.

Ames Sheldahl Madrid Nevada Iowa
All Women $725 +$233 +$393 +$56 +$241
Married Women $671 +$216 +$364 +$51 +$223
All Men $1312 +$422 +$711 +$100 +$435
Married Men $1312 +$422 +$711 +$100 +$435

The typical insurance rate of $1312 that Ames Men pay varies from Sheldahl (+$422), Madrid (+$711), Nevada (+$100) and Iowa (+$435). In Ames, married men pay $641 more than married women.

Example

  • 2014 Kia Sorento LX Married Men Insurance Rate $1,230
  • 2013 Dodge Journey Crew Married Women Insurance Rate $1,264

Ames Senior Car Insurance

6480 Ames Seniors (10% of total population), 45% Senior Men & 55% Senior Women.

Ames Cambridge Huxley Gilbert Iowa
All Seniors $934 +$372 -$63 -$39 +$309
Senior Men $1119 +$447 -$75 -$46 +$371
Senior Women $756 +$302 -$51 -$31 +$251

Ames seniors pay $934 in insurance compared to Cambridge (+$372), Huxley (-$63), Gilbert (-$39) and Iowa (+$309). In Ames, senior men pay $363 more than senior women.

Ames Car Insurance Discounts for Multiple Vehicles

Ames Population with 1 Vehicle 8223 (36% of Ames population), 2 Vehicles 9437 (42% of the Ames population) and 3 vehicles 2418 (11% of the population)

Ames Worth Cambridge Kelley Iowa
2 Vehicles $1467 -$232 +$585 +$528 +$487
3 Vehicles $2239 -$354 +$893 +$806 +$743
4 Vehicles $3011 -$476 +$1201 +$1084 +$999

Ames Auto Insurance Rates Vary by Deductible

Low Deductible ($500) High Deductible ($1000)
Make & Model Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
Jeep, Grand Cherokee Laredo $100 $780 $880 $730 $830 $50
Chevrolet, Avalanche LT $200 $800 $1,000 $740 $940 $60
Lexus, LS 460 $1,000 $820 $1,320 $770 $1,770 $-450
GMC, Sierra 2500HD Work Truck $700 $860 $1,360 $800 $1,500 $-140
Chevrolet, Express 3500 $400 $770 $1,170 $720 $1,120 $50