Le Mars vs. State Farm: 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 State Farm and Le Mars compare when it comes to the lowest rates 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

  • Looking at the national averages for insurance, State Farm offers significantly cheaper prices than Le Mars
  • State Farm has more affordable premiums for drivers who have less-than-stellar credit
  • State Farm offers less expensive average rates for residents of suburban areas

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

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering large discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Le Mars or State Farm, but between the two, which company has more affordable premiums for car insurance?

Le Mars State Farm

Looking at nationwide averages, State Farm is quite a bit cheaper than Le Mars, with prices averaging $158 per month compared to $234 with Le Mars.

That being said, that doesn't mean State Farm will necessarily be cheaper than Le Mars for every driver. Auto insurance companies vary their rates depending on things like where you live, how clean your driving record is, how good your credit score is, how old you are, and tons of other factors, so premiums could vary drastically from person to person.

So, if you want to find out which of Le Mars or State Farm is really the best for you, keep reading to see average prices for each company broken down by a range of different rate factors.

Le Mars or State Farm: Average Car Insurance Rates by State

State Le Mars State Farm

Le Mars and State Farm only compete against each other in Iowa, where State Farm offers the cheaper average premiums. For Iowa residents, State Farm offers insurance for $67 a month on average. Le Mars's average prices come out to be over 70% more expensive, at $234 monthly.

But there's more to car insurance than just where you call home. As we mentioned above, there's a lot of things that go into how auto insurance carriers calculate your rates. Continue reading to see how other factors will affect your rates.

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Which is the Best Company For Young Drivers?

Le Mars State Farm
18-year-old drivers$422$353
25-year-old drivers$215$142

Teen drivers will almost always have the most expensive insurance premiums of any group on the road. It's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. For example, 18-year-old drivers pay an average of nearly $70 less a month by choosing State Farm over Le Mars.

But both companies will offer you dramatically lower prices by the time you turn 25. For example, average rates for Le Mars policyholders decrease more than $200 and State Farm's premiums drop about $200 over that time.

Which is the Best Company for Retired Drivers?

Le Mars State Farm
65+-year-old drivers$196$111

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices you'll ever see.

When looking at Le Mars and State Farm specifically, which carrier is best for retired drivers? State Farm gets the edge, with rates for drivers 65 and older $85 less expensive than the national average for Le Mars.

Which is the Best Company for Married Drivers?

Le Mars State Farm

Did you know that insurance premiums are usually more expensive for single drivers than they are for married drivers? This usually boils down to married couples having multiple cars on their policy -- something lots of car insurance carriers will reward with discounts.

When it comes to relationship status, State Farm is the clear winner for those who are single, with prices around $83 per month cheaper than Le Mars, on average. For married policyholders, the advantage is clear again - State Farm has the edge when it comes to average premiums.

Le Mars vs. State Farm: Average Rates by Gender

Le Mars State Farm

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to insurance men will typically end up paying a little more.

On average, men see rates almost $30 a month higher with Le Mars, and about $12 more with State Farm.

Looking at the data for each company specifically, State Farm comes out on top for both men and women, with average prices 34% less for men and 31% cheaper for women.

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

Le Mars State Farm
State Minimum*$78$99
Full Coverage**$391$216

*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.

Auto insurance can be a complicated subject for most people. There are so many different terms and coverages that it can make it pretty confusing to find the right policy.

However, most policies end up falling into two different types of coverage -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside what you get with a liability policy).

In this case, Le Mars offers the most affordable average rates for state minimum liability insurance, while State Farm has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $20 with Le Mars Insurance Company, while full coverage comes out to be around $200 less expensive with State Farm.

Is Le Mars or State Farm Better for Drivers with Spotty Records?

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

It's no secret secret that at-fault accidents and tickets lead to higher prices, but which carrier -- Le Mars or State Farm -- has the cheapest premiums for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Le Mars State Farm
Clean Record$138$134
1 Speeding Ticket$180$155

Le Mars policyholders can expect their prices to go up an average of $42 per month if they get a ticket, while State Farm normally raises premiums about $21 a month, on average.

Even so, State Farm tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket -- their rates are around 3% more affordable for drivers with clean records and 14% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Le Mars State Farm
Clean Record$138$134
1 At-Fault Accident$186$163

Le Mars policyholders who get in a collision can expect to see their rates increase by just under $50, while those who have insurance through State Farm will see around a $30 increase.

Overall, the more affordable premiums come from State Farm, with monthly rates averaging $163 compared to Le Mars Insurance Company's $186.

Which Company is Best for Drivers with a DUI?

Le Mars State Farm
Clean Record$138$134
1 DUI$434$179

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your auto insurance bill. Le Mars drivers usually see a 68% increase in their car insurance prices after a DUI charge, while State Farm will generally climb rates by about 25%.

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How does Credit Score Impact Le Mars and State Farm Rates?

Often times, your credit score can come into play when companies determine your monthly bill. Certain states and carriers do not allow for credit score to be used as a rating factor, but it does affect a lot of drivers out there.

The reasoning auto insurance companies use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will typically be forced to pay more.

Looking at Le Mars and State Farm specifically, which carrier has the lowest premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Le Mars State Farm
Excellent Credit Score$135$80
Good Credit Score$180$105

Which Company is Best for Drivers with Bad Credit?

Le Mars State Farm
Fair Credit Score$221$148
Poor Credit Score$401$300

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

Le Mars State Farm
6,000 Annual Miles$219$151
12,000 Annual Miles$249$164

How much you drive can have a large impact on your monthly car insurance bill. Usually, those who drive fewer miles will end up with cheaper rates since there's less of a chance of getting into an accident and causing an insurance claim.

State Farm tends to be the more affordable option for both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure. Le Mars's average premiums for drivers with 6,000 annual miles come in around 31% more expensive than State Farm. Those who drive 12,000 miles yearly can expect to pay about 34% more with Le Mars over State Farm.

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

Where your home is can play a pretty big role in how much you pay for insurance. Normally, those who live in rural areas will pay less than policyholders in urban areas because of the small number of vehicles that are on the roads in those areas.

Le Mars State Farm
Urban Areas$290$185
Suburban Areas$179$161
Rural Areas$235$127

State Farm boasts the cheapest average rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

If you live in a rural area, you can expect to save around $108 with State Farm compared to Le Mars. Drivers in suburban ZIP codes pay about $18 less with State Farm compared to Le Mars. In urban areas, State Farm's average premiums are around $105 less than Le Mars Insurance Company.

Le Mars vs. State Farm Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many insurance discounts as you can.

The difficult part is finding all of the discounts you're eligible for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Below, we've taken a look at all of the different discounts Le Mars and State Farm offer their customers so that you can see which one can save you the most money each month.

Le Mars State Farm
ABS Discount
Advance Quote Discount 
Annual Mileage Discount 
Anti-Theft Discount
Defensive Driver Discount 
Distant Student Discount 
Drive Safe & Save Discount 
Driver Training Discount
DRL Discount 
Family Discount 
Farm Discount 
Good Driving Discount
Good Student Discount
Goverment Employee Discount 
Group Discount 
Homeowner Discount 
Hybrid Vehicle Discount 
Low Income Discount 
Marital Status Discount 
Mature Driver Discount 

State Farm blows Le Mars away when it comes to the sheer amount of discounts available, offering 23 different discounts to Le Mars's 17.

Both carriers offer a lot of the same discounts -- like ABS discounts, discounts for getting driver training, discounts for being a good student, and passive restraint discounts -- but State Farm also offers annual mileage discounts, defensive driver discounts, distant student discounts, and more that Le Mars does not.

On the flip side, Le Mars has a couple unique discounts of its own -- advance quote discounts, family discounts, group discounts, and more.

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Final Thoughts: Is Le Mars or State Farm Best for You?

You've seen the effect certain variables have on your auto insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, is Le Mars or State Farm the best carrier for you and your specific driver profile?

State Farm might be best for you if....

  • You value the experience that comes with a large national car insurance company.
  • You already have a great credit score.
  • You live in a rural area.

Le Mars might be best for you if...

  • You want basic auto insurance coverage at the state minimum limits.

We hope this guide helps you get a better idea of the difference between Le Mars and State Farm and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several carriers, not just Le Mars and State Farm. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top auto insurance companies in your area, all in just a few minutes.

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Le Mars vs. State Farm FAQs

Is Le Mars or State Farm cheaper?

Looking just at the national average prices, State Farm is the cheaper of the two carriers, offering average rates of $158 per month compared to $234 for Le Mars. But State Farm won't necessarily be the lowest carrier for each driver, since there are multiple different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Le Mars or State Farm?

Sadly, the answer truly is "it depends.". No one company is "better" for every driver -- it all boils down to your unique insurance profile.

Why do Le Mars and State Farm offer me different rates?

Auto insurance companies take a look at many different variables when calculating the premiums they charge drivers. Things like age, your driving record, where you park your car, gender, and sometimes even things like your credit score can all be taken into consideration. Both Le Mars and State Farm calculate prices using different factors, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from lots of different carriers.

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

The only way to find the insurance company that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best car insurance carriers in your area. With those, you can guarantee you're getting the lowest premium. And who knows, the best carrier for you might not be Le Mars or State Farm 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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