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Cheapest car insurance in Shenandoah, Iowa (Apr 2024)
Cheapest car insurance in Shenandoah, Iowa (Apr 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Shenandoah, Iowa.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Andrea Barrett
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance in Shenandoah
- Best car insurance companies in Shenandoah
- Best cheap car insurance quotes in Shenandoah
- Average cost of car insurance in Shenandoah
- Car insurance quotes in Shenandoah by rating factors
- How do different factors impact your car insurance costs in Shenandoah?
- Cheap car insurance quotes in Shenandoah after driving violations
- Cheap car insurance quotes in Shenandoah by age
- Cheap car insurance quotes in Shenandoah based on insurance history
- Cheap car insurance quotes in Shenandoah for popular cars
- How to lower car insurance costs in Shenandoah
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in Shenandoah
If you want to find the cheapest
auto insurance
in Shenandoah, Iowa—or any other city—the quickest and easiest way to save is to shop around and compare free quotes from multiple providers.
On average, car insurance in Shenandoah costs about $51 per month for minimum coverage liability insurance, and about $137 per month for full coverage insurance. Shenandoah drivers pay about 9% less for full coverage than the Iowa state average.But with dozens of providers, shopping around can seem like a big job. Instead of requesting
car insurance quotes
from individual providers, the Jerry
app can simplify and speed up the process. Jerry will help you create a profile, which is then used to find real—and completely free—personalized insurance quotes from the top companies in Shenandoah. Take a look at the table below to see some of the cheapest auto insurance rates Shenandoah, Iowa drivers found by shopping using the Jerry app.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $78 | Sophie, 31 Zip: 51601 | Chevrolet Spark LS | • 100,000/300,000 Liability • Comp / Collision |
| Bristol West | $125 | Verna, 48 Zip: 51601 | Jeep Liberty Sport | • 50,000/100,000 Liability • Comp / Collision |
| Dairyland | $207 | Ina, 22 Zip: 51601 | Ford Fusion SE | • State Minimum Liability • Comp / Collision |
Last Updated Apr 23, 2024Best car insurance companies in Shenandoah
Jerry’s nationwide insurance survey found that big-name carriers in Shenandoah, like GEICO and
State Farm
, received mixed reviews for policy cost and customer service. At the same time, smaller insurers, like Aspire Advantage
and National General
, came through with the highest ratings from actual customers. The table below provides an overview of how Shenandoah drivers ranked these and other major insurance providers.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Allstate | 4.5 | 4.7 | N/A | 4.5 |
| Progressive | 4.5 | 4.6 | 4.5 | 4.4 |
| State Farm | 3.7 | 3 | N/A | 4.8 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Shenandoah
Shenandoah drivers are required to purchase car insurance that meets or exceeds Iowa’s minimum coverage requirements. State laws only require drivers to purchase minimum coverage liability insurance. Still, many drivers find it beneficial to buy a full-coverage auto insurance policy that protects them legally and financially in the event of an accident.
Cheap minimum liability insurance quotes in Shenandoah
Iowa’s minimum car insurance requirements are referred to as 20/40/15 coverage and are as follows:
- $40,000 in bodily injury liability per accident
With this type of policy, medical expenses and property damage for other drivers involved in the crash will be covered—however, your own costs will not.
With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving, plus it often leads to the lowest rates. The average cost of a minimum liability policy in Shenandoah is around $51 a month—but shopping around can help you save.
Here are some of the deals Jerry helped Shenandoah drivers to find:
Cora (45 years old)
$67
per month
Do you need more than minimum coverage in Shenandoah?
Iowa car insurance laws
are similar to many other states, but accident expenses can quickly exceed policy minimums, especially if multiple people are injured, or vehicles are totaled.Increasing liability limits to exceed minimum coverage (at least 50/100/50, but 100/300/100 is better) is recommended to reduce out-of-pocket expenses—especially if you’re at fault and a vehicle is totaled.
It’s also recommended to purchase a
full-coverage car insurance policy
that includes collision and comprehensive insurance to limit unexpected costs. Cheap full coverage car insurance quotes in Shenandoah
Iowa’s minimum car insurance limits protect drivers from at-fault accident expenses, but they don’t cover the driver or their car—that’s where a full coverage policy comes in.
“Full coverage” isn’t a specific type of policy—it’s an umbrella term used to describe car insurance policies that include liability coverage (which pays for damages if you’re at fault in an accident) and physical damage coverage (comprehensive and collision insurance) that pays for repairs to your vehicle regardless of who or what caused the accident.
- Collision coveragecovers the cost of fixing or replacing your car after an accident with another vehicle or stationary object.
- Comprehensive coveragepays out if your vehicle is stolen or damaged by something other than a crash, such as vandalism, theft, or natural disasters.
If you’re leasing or financing a vehicle, lenders typically require you to purchase full coverage for the duration of your loan or lease. Full coverage is also needed if you want additional coverage to your policy, such as towing and labor coverage.
Reminder: Collision and comprehensive coverage are both subject to deductibles—amounts you must pay before your insurer will pay out for any repair costs. Increasing your deductible is a simple way to reduce your car insurance premium, but it’s important to select a deductible you can afford in the event of an accident.
It shouldn’t be surprising that a full-coverage insurance policy costs more than minimum coverage, but you’ll likely find it more affordable than you think.
The table below shows full-coverage insurance rates that Shenandoah drivers found using Jerry.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 100,000/300,000 Liability • Comp / Collision | Progressive | $78 | Sophie, 31 Zip: 51601 | Chevrolet Spark LS |
• 50,000/100,000 Liability • Comp / Collision | Bristol West | $125 | Verna, 48 Zip: 51601 | Jeep Liberty Sport |
• State Minimum Liability • Comp / Collision | Dairyland | $207 | Ina, 22 Zip: 51601 | Ford Fusion SE |
Last Updated Apr 23, 2024
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Shenandoah
After helping countless drivers in Shenandoah find car insurance, we discovered that the average cost for minimum liability coverage is $51 per month or $608 per year. The average price for full coverage insurance in Shenandoah is $137 per month or $1,642 per year.
While understanding these averages can help estimate how much you’ll pay for car insurance, these are just averages. Car insurance rates are highly individualized and are calculated based on several rating factors, including age, driving history, claims record, and other demographics.
Car insurance quotes in Shenandoah by rating factors
Your coverage options are just one factor that insurers use to
calculate your auto insurance premium
. Others include:- Your driving record and claims history: A history of at-fault accidents and moving violations on your record will lead to higher rates compared to drivers with aclean driving record.
- Your age: Teen and young drivers pay some of the highest premiums out of any age demographic due to their limited driving experience.
- The kind of car you own: Luxury cars and sports cars often see higher premiums as a result of more expensive repair costs and higher theft and vandalism rates.
- Annual mileage: The more you drive, the more you’re likely to be involved in an accident, which can raise your rates.
- Where you store your car: Parking on the street or a public parking lot can increase insurance rates due to a higher risk of theft and vandalism.
- How you use your car: Insurers often charge more if you use your vehicle for work than if you use it for leisure.
How do different factors impact your car insurance costs in Shenandoah?
How do different factors impact your car insurance costs in Shenandoah?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Shenandoah currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Shenandoah:
Cheap car insurance quotes in Shenandoah after driving violations
Your
Iowa driving record
is one of insurers' most important rating factors. A history of moving violations—even a minor speeding ticket or accident—could increase your insurance rates.Common driving violations that can raise your premium include:
- Speeding
- DUIs
- At fault accidents
- Driving without or with a suspended license
Cheapest car insurance in Shenandoah after speeding ticket
In Shenandoah, a speeding ticket could increase your car insurance rate. Jerry is proud to help drivers with speeding tickets of varying severities save on car insurance.
Here’s what Iowa drivers pay on average after a speeding ticket:
- 11–20 mph over the speed limit: $146/month
- 21+ mph over the speed limit: $223/month
To keep your rates affordable, you’ll need to compare car insurance quotes from as many providers as possible. Take a look at the rates Jerry found for Shenandoah drivers with a speeding ticket:
Last Updated Apr 22, 2024Cheapest car insurance in Shenandoah after DUI
In Shenandoah,
a DUI violation
can increase your insurance rates and label you as a high-risk driver. If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another. In Iowa, drivers pay around $166 a month for car insurance after a DUI.
You’ll likely need to compare rates from several insurance providers to find low-cost options after a DUI.
Jerry has helped many Shenandoah drivers obtain affordable auto insurance rates after a DUI.
Cheapest car insurance in Shenandoah after an at-fault accident
Car accidents
on your claim history, especially at-fault accidents, are another factor that can lead to high insurance rates in Shenandoah; the higher risk you are as a policyholder, the more you’ll pay to insure your car.Iowa drivers pay an average of around $157 a month for car insurance after an at-fault accident.
If you’ve recently added an accident to your Iowa driving record, the best way to find the most affordable rate is to shop around and compare quotes using the Jerry app.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $87 | Willie, 46 Zip: 51601 | Ford Explorer Limited | • 100,000/300,000 Liability • Comp / Collision |
Not At Fault | Bristol West | $87 | Myrtle, 46 Zip: 51601 | Ford Explorer Limited | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Progressive | $87 | Eleanor, 46 Zip: 51601 | Ford Explorer Limited | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Apr 22, 2024Cheapest car insurance in Shenandoah after other driving violations
Besides speeding tickets and DUIs, violations like
reckless driving
and driving without insurance can cause your insurance rates to climb. Check out the table below to see how other driving violations affect Shenandoah insurance rates and how Jerry helped drivers with these offenses save on their auto insurance.
Last Updated Apr 17, 2024Cheap car insurance quotes in Shenandoah by age
Age is another important factor influencing insurance rates—the less experience you have behind the wheel, the more you can expect to pay to insure your car. Young and new drivers pay some of the highest insurance rates of any age group due to limited driving experience.
After 25, insurance rates typically decrease, with the cheapest rates for middle-aged drivers.
Cheapest car insurance in Shenandoah for young drivers
Shenandoah drivers under the age of 21 could pay as much as $80 a month for minimum liability coverage and over $200 a month, or more, for full coverage.
Full coverage provides better financial protection for teen car owners because they’re more likely to get into accidents. And staying on a parent’s policy is the best way to keep rates low.
Cheapest car insurance in Shenandoah for senior drivers
Car insurance rates begin to climb again once you reach your mid-70s.
Car insurance rates for seniors
tend to be higher because older drivers are more likely to be involved in accidents and are also prone to severe injuries in the event of a collision, leading to significant medical expenses and increased costs for insurance providers.On average, drivers 65 and up in Shenandoah pay around $18 a month for minimum liability insurance and around $47 a month for full coverage. Here are some real quotes Jerry found for senior drivers in Shenandoah.
Cheap car insurance quotes in Shenandoah based on insurance history
A critical factor in your car insurance rates is your insurance history—i.e., whether or not you are currently insured. Any lapse in your insurance coverage tends to increase car insurance rates—Shenandoah drivers pay an average of $154 per month for full coverage following a lapse.
To help our customers make insurance payments on time and avoid a lapse in coverage, Jerry sends payment reminders to eligible clients when a payment is coming up or if they’re late on their payments.
We’ve helped many customers who were previously uninsured or had a lapse in coverage find savings on a new auto insurance policy.
Jeff (31 years old)
$78
per month
Lora (48 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Shenandoah, IA (Zip Code: 51601)
$125
per month
Georgia (31 years old)
$78
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I pay a great price for the insurance
Lynel
I've really enjoyed Bristol west insurance!
Kylee
I like this insurance a lot
Krista
Just switched from State Farm to progressive and I'm saving 60$ a month on my insured vehicles
Jordan
Cheap car insurance quotes in for drivers with poor credit
Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
660 - 750 | Progressive | $78 | Jordan, 31 Zip: 51601 | Chevrolet Spark LS | • 100,000/300,000 Liability • Comp / Collision |
660 - 750 | Safeco | $92 | Rodney, 31 Zip: 51601 | Chevrolet Spark LS | • 100,000/300,000 Liability • Comp / Collision |
550 - 659 | Bristol West | $125 | Helena, 48 Zip: 51601 | Jeep Liberty Sport | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Apr 20, 2024Cheap car insurance quotes in Shenandoah for popular cars
The type of vehicle can also influence your Shenandoah car insurance premiums. Luxury, sports, or high-performance vehicles have higher repair and replacement costs, which drives up insurance rates.
The table below shows some rates Jerry found for some of the most popular cars in Shenandoah.
Last Updated Apr 23, 2024Cheapest car insurance in Shenandoah for new vs. old car
New cars are usually more expensive to insure than older cars. We’ve found that the average insurance cost for cars older than 10 years is $150 per month in Shenandoah. The average cost for insuring a vehicle under four years old is $150 per month.
Sophie (31 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Shenandoah, IA (Zip Code: 51601)
$78
per month
Verna (48 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Shenandoah, IA (Zip Code: 51601)
$125
per month
How to lower car insurance costs in Shenandoah
1. Shop around and compare quotes
The easiest way to find cheap auto insurance is to compare quotes from multiple providers. The Jerry app streamlines the process, providing free, end-to-end service for car, renters, and home insurance with the help of 100+ licensed insurance agents who help you find the best rates in minutes.
2. Look for car insurance discounts
Car insurance discounts
are an easy way to maximize savings. Available discounts vary between providers, but most offer a " standard " discount roster. These include: - Good driver discounts: Many auto insurance companies offer discounts for drivers who maintain a clean driving record and remain accident-free.
- Telematics discounts: Not only can telematics help you build safe driving habits, but it can also help you save through rewards and discounts.
- Good student discounts: Full-time high school or college students who maintain a B average or better can qualify for discounts to help reduce expensive premiums.
- Bundling discounts: If you have multiple assets to insure,bundling your homeowners and auto insurance(or auto and renters) with the same providers is an easy way to find savings on both policies.
3. Increase your deductible for comprehensive and collision coverage
Collision and comprehensive insurance options are both subject to deductibles. Increasing your deductible—only to a cost you can afford out-of-pocket—is an easy way to lower your monthly expenses without sacrificing coverage. The higher your deductible, the lower your monthly payments.
FAQ
What is the best car insurance in Shenandoah?
Shopping for the best coverage at the best price is important when looking for an insurance policy, but other factors should also play a role in your decision. Allstate, Nationwide, and Progressive are big insurers receiving good ratings from Shenandoah drivers. That said, the best car insurance provider will depend on your unique driving and what you’re looking for in a policy.
What is the cheapest car insurance in Shenandoah?
Based on thousands of Shenandoah drivers Jerry has worked with, car insurance in Shenandoah costs an average of $51 per month for state-minimum coverage and $137 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
How much is car insurance in Shenandoah?
People living in Shenandoah pay on average $51 per month – or $608 per year – on state-minimum liability coverage. Full coverage in Shenandoah costs on average $137 per month of $1,642 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the minimum car insurance in Shenandoah, Iowa?
The state-minimum car insurance in Shenandoah, Iowa, follows a 20/40/15 coverage pattern—$20,000 bodily injury liability per person, $40,000 bodily injury liability per accident, and $15,000 property damage liability per accident.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Andrea Barrett
Andrea Barrett is an insurance writer with five years of experience in writing and publishing. Andrea specializes in car insurance, maintenance, and brand reviews, and her mission is to create comprehensive and useful content readers can use to help lower their car-related expenses. Andrea has written nearly 1,500 articles for Jerry on topics ranging from first-time buyer programs to insurance costs and vehicle life expectancies.
Before joining Jerry, Andrea co-founded a successful health food business and created content for clients in the health and wellness industry.
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
