Imt vs. Le Mars: Which Company is the Best Fit for You?

If you're in the market for a new car insurance policy, you might be wondering how Le Mars and Imt compare when it comes to the most affordable prices and biggest discounts. To find out which of these companies is the best fit for you and your wallet, check out our newest guide below.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for auto insurance, Imt offers significantly less expensive rates than Le Mars
  • Imt offers cheaper average premiums for residents of rural areas
  • Le Mars offers more discounts than IMT Insurance

Imt vs. Le Mars: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. With so many ads from all sorts of companies offering substantial discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Imt or Le Mars, but between the two, which one has more affordable prices for insurance?

Imt Le Mars

Looking at the national average rates for both companies, Imt is quite a bit cheaper than Le Mars, with premiums averaging $109 per month compared to $234 with Le Mars.

That being said, that doesn't necessarily mean Imt will be the less expensive option for every single driver. After all, auto insurance carriers can offer drastically different rates to each driver depending on rating factors like where you call home, your driving record, your age, or even your credit score (among other things). So, at the end of the day, rates from every company will differ quite a bit from person to person.

Wanting to know if Imt or Le Mars is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Imt or Le Mars: Average Car Insurance Rates by State

State Imt Le Mars

Imt and Le Mars only compete against each other in Iowa, where Imt offers the cheaper average premiums. For Iowa residents, Imt offers car insurance for $77 per month on average. Le Mars's average rates come out to be over 70% more expensive, at $234 monthly.

There's a lot more that goes into your insurance cost than just where you live. Keep reading to learn more.

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Which is the Best Company For Young Drivers?

Imt Le Mars
18-year-old drivers$201$422
25-year-old drivers$108$215

Teen drivers will almost always have the most expensive auto insurance prices of any group out there on the road. It's usually because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Imt save more than $200 a month compared to those who use Le Mars.

Even so, both companies will decrease rates by the time drivers turn 25. Le Mars offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Imt still has the cheapest premiums at $108 a month.

Which is the Best Company for Retired Drivers?

Imt Le Mars
65+-year-old drivers$82$196

Once you approach retirement age, you'll normally enjoy the lowest insurance prices out there. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for car insurance.

So, which company offers the best rates to retired drivers? Imt gets the edge, with premiums for drivers 65 and older nearly 60% cheaper than the national average for Le Mars.

Which is the Best Company for Married Drivers?

Imt Le Mars

Single policyholders tend to get offered slightly more expensive auto insurance prices than married policyholders. That's generally because married drivers tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, Imt is the clear winner for single drivers, with rates about $142 per month more affordable than Le Mars, on average. The advantage is also clear for married couples - Imt offers the most affordable average prices.

Imt vs. Le Mars: Average Rates by Gender

Imt Le Mars

Men are statistically more likely than women to get tickets and get into collisions, which means they'll typically end up paying more for insurance than women.

With Imt, women generally pay over $10 a month less than men, while with Le Mars, the difference is closer to $29 per month.

Looking at overall affordability, Imt comes out as the cheapest option for both genders, with average rates 54% less for men and 53% cheaper for women.

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Imt or Le Mars: Compare State Minimum vs. Full Coverage Rates

Imt Le Mars
State Minimum*$58$78
Full Coverage**$160$391

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

It's no secret that auto insurance can be a complicated subject for most people. There are so many different limits and coverages that it can make it pretty confusing to find the right policy.

However, most policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability).

If you're looking for state minimum limits for liability insurance, Imt normally offers significantly cheaper premiums of $58 compared to Le Mars's $78. When it comes to full coverage policies with similar limits, Imt again has the edge, with policies around $250 a month less expensive than Le Mars, on average.

Is Imt or Le Mars Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

At-fault accidents and tickets will most likely raise your prices, but is Imt or Le Mars more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Imt Le Mars
Clean Record$76$138
1 Speeding Ticket$89$180

Imt policyholders can expect their rates to go up an average of $13 per month if they get a ticket, while Le Mars usually raises premiums about $42 a month, on average.

But Imt has cheaper rates for drivers in both categories. Drivers with a clean record can save around $62 per month and drivers with a speeding ticket can save about $91 a month with IMT Insurance.

Which Company is Best for Drivers After an Accident?

Imt Le Mars
Clean Record$76$138
1 At-Fault Accident$134$186

Imt drivers who get in a collision can expect to see their prices climb by just under 45%, while those who have insurance through Le Mars will see around a 25% increase.

Overall, Imt offers the lowest premiums for drivers with an at-fault accident on their records, with monthly rates averaging $134 compared to Le Mars Insurance Company's $186.

Which Company is Best for Drivers with a DUI?

Imt Le Mars
Clean Record$76$138
1 DUI$135$434

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. On average, Le Mars will climb your prices about 68% after a DUI, while Imt's average premiums increase by just under 45%.

If you have a DUI on your record and are looking for more affordable prices, Imt tends to be the much less expensive option with average rates of $135 monthly compared to $434 from Le Mars.

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How does Credit Score Impact Imt and Le Mars Rates?

You may not have known, but your credit score can come into play when carriers calculate your monthly bill. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it will come into play for quite a few policyholders.

The reasoning auto insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with more affordable premiums.

Looking specifically at Imt and Le Mars, which carrier has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Imt Le Mars
Excellent Credit Score$86$135
Good Credit Score$102$180

If you have great credit, you'll usually find a better deal with Imt. Drivers with "excellent" credit can save over 35% compared to Le Mars, and those with "good" scores can also expect to see savings -- around $78 or 43% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Imt Le Mars
Fair Credit Score$108$221
Poor Credit Score$140$401

Imt typically offers lower rates than Le Mars when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $113 per month less with Imt compared to Le Mars, and those with "poor" scores usually save an average of around $261 per month.

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Is Imt or Le Mars Better for Drivers who Work from Home or Have Short Commutes?

Imt Le Mars
6,000 Annual Miles$109$219
12,000 Annual Miles$109$249

Did you know that the amount of time you spend in your car have a big impact on your monthly premiums? Typically, the more miles you drive, the more you can expect to pay for insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Imt charges. However, there's a pretty significant difference in monthly prices for Le Mars, with policyholders who drive the least paying about $30 less every month compared to those who drive 12,000 miles annually. Still, Imt is the cheaper option for drivers in both categories.

Imt vs. Le Mars: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can have a sizable impact on your monthly car insurance payment. Normally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers due to the small number of cars that are on the roads in those areas.

Imt Le Mars
Urban Areas$136$290
Suburban Areas$100$179
Rural Areas$90$235

Imt boasts the lowest average prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Imt's average premiums are around $136 while Le Mars offers rates about $290. People in suburban areas pay a monthly price of around $100 with Imt compared to $179 with Le Mars. If you live in a rural area, you can expect to pay about $90 a month with Imt and $235 with Le Mars.

Imt vs. Le Mars Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many insurance discounts as you can.

But with what seems like a million different discounts out there, it can be challenging to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

In the section below, we've taken a look at all of the different discounts Imt and Le Mars offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Imt Le Mars
ABS Discount 
Advance Quote Discount 
Anti-Theft Discount 
Commercial Product Discount 
Defensive Driver Discount 
Distant Student Discount 
Driver Training Discount
Family Discount 
Good Driving Discount 
Good Student Discount
Group Discount
Hybrid Vehicle Discount 
Marital Status Discount 
Minor Child Discount 
Multi-Car Discount 
Multi-Policy Discount
New Business Discount 
Next Generation Discount 
Paid In Full Discount
Passive Restraint Discount 

Le Mars blows Imt away when it comes to the sheer amount of discounts available, offering 17 different discounts to Imt's nine.

There are a couple discounts both carriers offer, but Le Mars also offers ABS discounts, advance quote discounts, anti-theft discounts, and more that Imt does not.

On the flip side, Imt has a couple unique discounts of its own -- commercial product discounts, discounts for being a defensive driver, distant student discounts, and more.

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Final Thoughts: Is Imt or Le Mars Best for You?

You've seen the role certain factors have on your car insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, which insurance carrier is the right company for you, your vehicle, and your wallet?

Imt might be best for you if....

  • You want to save money on your auto insurance after a collision.
  • You're looking for more protection with "full coverage" insurance.
  • You are over 65 years old and want to save some money on your car insurance.

Le Mars might be best for you if...

  • You want to save extra money with discounts.

We hope this guide has ben a valuable resource as you compare Imt and Le Mars and that it aids in making a more informed decision about your auto insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from a handful of carriers, not just Imt and Le Mars. Luckily, sites like make it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance companies in your area, all in just a few minutes.

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Imt vs. Le Mars FAQs

Is Imt or Le Mars cheaper?

Looking just at the national average prices, Imt is the more affordable of the two carriers, offering average rates of $109 a month compared to $234 for Le Mars. However, Imt won't necessarily be the cheapest company for each policyholder, since there are many different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Imt or Le Mars?

Sadly, the only answer we can give you is "it depends.". One carrier is not necessarily "better" for every driver -- it all boils down to your unique auto insurance profile.

Why do Imt and Le Mars offer me different rates?

Car insurance companies take a look at many different factors when calculating the rates they charge policyholders. Things such as where you live, age, where your home is, gender, and sometimes even things like your credit score can all be used. Both Imt and Le Mars calculate premiums differently, so each one will most likely offer different prices. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if Imt or Le Mars is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best auto insurance carriers in your area. With those, you can guarantee you're getting the lowest premium. And who knows, the best company for you might not be Imt or Le Mars at all!


All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.

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