Council Bluffs, IA Car Insurance

On average, Council Bluffs drivers pay around $52 a month for their car insurance. Learn more in our handy guide below.
How much can residents of Council Bluffs expect to pay for their car insurance? Compared to their surrounding area, how do rates in Council Bluffs stack up? What about against the rest of Iowa? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Council Bluffs?

Area Average Monthly Car Insurance Premium
Council Bluffs$52
IA$55
United States$80

Based on the chart above, you can see that the costs for coverage in Council Bluffs are in line with rates across the rest of Iowa.

Compared to the rest of the country, auto insurance in Council Bluffs is more affordable. Car insurance rates for the U.S. as a whole are, on average, $28 more expensive than the rates you'd pay in Council Bluffs.

Although these are the average rates for auto insurance in Council Bluffs, that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

But don't worry, we've broken down the average rate for Council Bluffs residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$88
25-34$46
35-44$49
45-54$44
55-64$36
65+$36

The longer you've been on the road, the more experienced of a driver you are. That experience can turn into some real savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. Drivers in Council Bluffs may see their rates begin to increase again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$48
Female$58

While women typically pay less than men do for auto insurance, Council Bluffs goes against the grain. Female drivers typically pay around $10 more a month to insure their car than their male counterparts.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$45
Multiple Accidents$50
1 Ticket$59
Multiple TicketsNot Enough Data

Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions. In Council Bluffs, drivers with one accident on their record will experience rates around $45 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $59 on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$38
2-3 Years$31
4-5 Years$38
6-7 Years$54
8-10 Years$45
11-14 Years$62
15 Years or Older$51

According to the first table above, SUVs and cars are by and large the cheapest vehicles to insure in Council Bluffs, with drivers paying around $52 per month for auto insurance coverage.

SUV owners, on the other hand, typically pay around $52 per month, while truck and van drivers can expect to pay about $54 a month for car insurance coverage.

Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Council Bluffs, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$53
Married$53
Divorced$44
Widowed$44

More often than not, married policyholders will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

As you can see in the table above, married couples pay about the same rate as single drivers in Council Bluffs.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$42
Rent$52
Live with parents$97

Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $10 a month more than if you own your own home in Council Bluffs. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Council Bluffs, IA

Recent trends in car insurance for Council Bluffs drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In Council Bluffs, auto insurance rates had been decreasing from 2016-2017, before leveling out in 2018. Policy premiums decreased again, reaching a low of $49 in 2020, and finished up at $76 in 2021.

How does Council Bluffs compare to neighboring areas?

Why are car insurance rates in Council Bluffs different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider a variety of factors. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:

  • Off-street parking availability
  • Area regulations
  • Road Safety (total number of local car accidents)
  • Amount of drivers in the region
  • Crime

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Council Bluffs?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But wait! Compare.com will handle the heavy lifting for you. Put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer policies in Council Bluffs.

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Council Bluffs Insurance FAQs

What factors affect car insurance quotes in Council Bluffs?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your marital status, credit score, address, and driving record.

Why is the cost of car insurance in Council Bluffs different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Council Bluffs?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Council Bluffs?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Council Bluffs or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes