- Council Bluffs car insurance rates average $1,684 per year for full coverage, or approximately $140 per month.
- Car insurance rates for a few popular vehicles in Council Bluffs include the Honda Accord at $1,628 per year, Subaru Forester at $1,504, and Chevrolet Equinox at $1,550.
- For the cheapest car insurance in Council Bluffs, Iowa, compact SUV models like the Chevrolet Trailblazer, Toyota Corolla Cross, and Buick Envision cost less to insure than most other models.
Average car insurance cost in Council Bluffs, IA
The average cost of car insurance in Council Bluffs is $1,684 per year, which is about $140 per month. Council Bluffs car insurance costs 11.2% less than the U.S. overall average rate of $1,883.
Average auto insurance cost in Iowa is $1,330 per year, so Council Bluffs drivers pay an average of $354 more per year than the overall Iowa average rate.
When prices are compared to other larger cities in Iowa, the average cost of car insurance in Council Bluffs is about $304 per year more expensive than in Des Moines, $340 per year more than in Cedar Rapids, and $256 per year more expensive than in Waterloo.
The chart below shows additional information for drivers age 20 to 60 by including rates for three different policy deductibles. These extra rates can aid in comprehending how auto insurance cost increases with lower deductibles, and decreases with high deductibles.
The average cost of car insurance per month in Council Bluffs is $140, with policy premium ranging from $99 to $328 for drivers age 20 to 60 and policy deductibles from $250 to $1,000.
Car insurance rates can have wide price ranges and can also be significantly different between companies. This large rate variability reinforces the need for accurate auto insurance quotes when looking for the cheapest car insurance policy.
The age of the rated driver has a big impact on the price you pay for auto insurance, so the list below illustrates this by breaking out average car insurance rates depending on driver age.
Council Bluffs, IA, car insurance cost by driver age
- 16-year-old driver – $5,997 per year or $500 per month
- 17-year-old driver – $5,807 per year or $484 per month
- 18-year-old driver – $5,205 per year or $434 per month
- 19-year-old driver – $4,742 per year or $395 per month
- 20-year-old driver – $3,388 per year or $282 per month
- 30-year-old driver – $1,798 per year or $150 per month
- 40-year-old driver – $1,684 per year or $140 per month
- 50-year-old driver – $1,494 per year or $125 per month
- 60-year-old driver – $1,398 per year or $117 per month
Average rates for popular models
The car insurance rates discussed up to this point take all 2024 models and come up with an average cost, which is helpful when making big picture comparisons such as between locations or by driver risk profile.
Average auto insurance rates are awesome for getting the answer to questions like “is Council Bluffs car insurance cheaper than in Des Moines?” or “are car insurance rates in Iowa cheaper than in Nebraska?”.
For more complete cost comparisons, however, we should look at the exact vehicle being insured. Each individual model has a unique profile for determining auto insurance prices and this data enables more detailed insurance cost analysis.
The following chart displays average car insurance cost in Council Bluffs for the more popular models.
Cheapest cars to insure in Council Bluffs, Iowa
When rates are compared for all models, the vehicles with the lowest cost average car insurance rates in Council Bluffs tend to be compact SUVs and crossovers like the Chevrolet Trailblazer, Kia Soul, and Hyundai Venue.
Average insurance rates for vehicles ranking in the top 10 cost $1,380 or less per year ($115 per month) for full coverage car insurance.
A few other models that are ranked high in our car insurance price comparison are the Subaru Outback, Chevrolet Colorado, Buick Envista, and Volkswagen Tiguan.
Rates are a little bit more for those models than the cheapest small SUVs at the top of the list, but they still have an average cost of $1,446 or less per year in Council Bluffs.
The table below breaks down the 40 cheapest vehicles to insure in Council Bluffs, sorted by average cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,244 | $104 |
| 2 | Chevrolet Trailblazer | $1,266 | $106 |
| 3 | Kia Soul | $1,316 | $110 |
| 4 | Nissan Kicks | $1,326 | $111 |
| 5 | Honda Passport | $1,340 | $112 |
| 6 | Buick Envision | $1,350 | $113 |
| 7 | Toyota Corolla Cross | $1,358 | $113 |
| 8 | Hyundai Venue | $1,366 | $114 |
| 9 | Mazda CX-5 | $1,374 | $115 |
| 10 | Ford Bronco Sport | $1,380 | $115 |
| 11 | Volkswagen Tiguan | $1,396 | $116 |
| 12 | Acura RDX | $1,408 | $117 |
| 13 | Nissan Murano | $1,418 | $118 |
| 14 | Buick Encore | $1,432 | $119 |
| 15 | Subaru Outback | $1,436 | $120 |
| 16 | Honda CR-V | $1,438 | $120 |
| 17 | Buick Envista | $1,440 | $120 |
| 18 | Chevrolet Colorado | $1,440 | $120 |
| 19 | Volkswagen Taos | $1,442 | $120 |
| 20 | Kia Niro | $1,446 | $121 |
| 21 | Honda HR-V | $1,464 | $122 |
| 22 | Subaru Ascent | $1,464 | $122 |
| 23 | Toyota GR Corolla | $1,464 | $122 |
| 24 | Nissan Leaf | $1,474 | $123 |
| 25 | Honda Civic | $1,490 | $124 |
| 26 | Lexus NX 250 | $1,492 | $124 |
| 27 | Volkswagen Atlas | $1,494 | $125 |
| 28 | Acura Integra | $1,500 | $125 |
| 29 | Kia Seltos | $1,502 | $125 |
| 30 | Volkswagen Atlas Cross Sport | $1,502 | $125 |
| 31 | Subaru Forester | $1,504 | $125 |
| 32 | GMC Terrain | $1,510 | $126 |
| 33 | Hyundai Kona | $1,514 | $126 |
| 34 | Nissan Rogue | $1,514 | $126 |
| 35 | Mazda CX-30 | $1,518 | $127 |
| 36 | Cadillac XT4 | $1,522 | $127 |
| 37 | Volkswagen ID4 | $1,528 | $127 |
| 38 | Ford Explorer | $1,530 | $128 |
| 39 | Ford Escape | $1,534 | $128 |
| 40 | Toyota Highlander | $1,534 | $128 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Council Bluffs, IA Zip Codes. Updated February 22, 2024
A few additional models ranking in the top 40 table above include the Lexus NX 250, the Toyota GR Corolla, the Volkswagen Atlas Cross Sport, the Subaru Forester, and the Subaru Ascent. Insurance rates for those models cost between $1,446 and $1,538 per year in Council Bluffs.
To put the rates of the cheapest vehicles in perspective, a few examples that have more expensive insurance rates include the Jeep Wrangler which costs $160 per month, the Toyota Tundra that costs $167, and the Audi e-tron which averages $175.
Insurance rates by the type of driver
In an effort to show the amount the cost of a car insurance policy can vary from one driver to the next (and also emphasize the importance of accurate rate quotes), the sections below show a wide range of car insurance rates for three popular vehicles in Council Bluffs: the Chevrolet Silverado, Honda Civic, and Honda Pilot.
Each example uses different risk profiles to demonstrate the difference in cost based on changes in the rated driver profile.
Chevrolet Silverado insurance rates
Chevrolet Silverado insurance in Council Bluffs averages $1,862 per year, ranging from a low of $1,578 per year on the Chevrolet Silverado EV WT trim level (MSRP of $39,900) up to $2,208 per year for the Chevrolet Silverado EV RST First Edition trim (MSRP of $105,000).
When Council Bluffs car insurance quotes on a Chevrolet Silverado are compared with the cost averaged for the entire U.S. on the same model, the cost is anywhere from $200 to $278 less per year in Council Bluffs, depending on the trim being insured.
The chart below may help to demonstrate how auto insurance quotes on a Chevrolet Silverado can be significantly different based on an assortment of driver ages, physical damage coverage deductibles, and driver risk profiles. In this example, rates range from $1,544 to $4,324 per year, which is a difference in cost of $2,780 based on different drivers.
The Chevrolet Silverado is a full-size truck, and other popular models in the same segment include the Nissan Titan, Ram Truck, GMC Sierra, and Toyota Tundra.
Honda Civic insurance rates
The cheapest 2024 Honda Civic model to insure in Council Bluffs is the LX model, costing an average of $1,334 per year, or around $111 per month. This model has a MSRP of $23,950.
The most expensive 2022 Honda Civic trim level to insure in Council Bluffs is the Type R, costing an average of $1,766 per year, or about $147 per month. The retail price for this model is $43,795, not including delivery and documentation fees.
On a monthly basis, car insurance rates on the Honda Civic for a middle-age safe driver can cost from $111 to $147 per month, depending on your insurance company and exact Zip Code in Council Bluffs.
The chart displayed below shows how the price of car insurance for a Honda Civic can be significantly different based on changes in driver age, deductibles, and risk profiles. For this example, cost varies from $1,242 to $3,380 per year, which is a difference of $2,138 per year simply by increasing driver risk.
The Honda Civic is classified as a compact car, and other popular same-segment models include the Hyundai Elantra, Toyota Corolla, Chevrolet Cruze, and Volkswagen Jetta.
Honda Pilot insurance rates
In Council Bluffs, the least-expensive car insurance rates on a 2024 Honda Pilot are on the LX trim, costing an average of $1,534 per year, or around $128 per month. This model has a sticker price of $37,090.
The most expensive 2022 Honda Pilot trim to insure in Council Bluffs is the Elite AWD model, costing an average of $1,742 per year, or around $145 per month. The MSRP for this model is $52,480, before documentation and delivery charges.
When Council Bluffs car insurance rates on a Honda Pilot are compared with the cost averaged for the entire U.S. for the same vehicle, the cost is $192 to $220 cheaper per year in Council Bluffs, depending on which trim level is insured.
On a monthly basis, car insurance quotes on a Honda Pilot for an average middle-age driver can range from $128 to $145 per month, depending on exact policy limits and your Zip Code in Council Bluffs.
The bar chart below may be useful to help you comprehend how car insurance quotes for a Honda Pilot can be very different based on a number of different driver ages, policy deductibles, and policy risk factors.
The Honda Pilot belongs to the midsize SUV segment, and other popular models include the Ford Explorer, Ford Edge, Jeep Grand Cherokee, and Toyota Highlander.
Tips for finding cheaper Council Bluffs car insurance
Resourceful drivers should always be looking to reduce the monthly expense for insurance, so take a minute to review the money-saving tips in the list below and maybe you’ll be able to save some money on your next policy.
- Be a careful driver and pay less for car insurance in Council Bluffs. Having at-fault accidents will cost you more, potentially by an additional $2,402 per year for a 20-year-old driver and even as much as $698 per year for a 40-year-old driver. So drive safe and save!
- Compare insurance rates before buying a car. Different cars can have significantly different car insurance premiums, and insurance companies can sell policies with a wide range of costs. Get quotes to see the cost of insurance before you upgrade you car in order to prevent insurance sticker shock when you see your first insurance bill.
- Don’t file small claims. Most insurers give a discount if you do not file any claims. Auto insurance is intended to be used in the case of larger claims, not for insignificant claims.
- Shop around. Taking the time to get some free car insurance quotes could significantly reduce the cost of insurance. Rates change quite often and switching to a different company is very easy to do.
- Your occupation could earn you policy discounts. The large majority of auto insurance providers offer policy discounts for specific occupations like firefighters, architects, scientists, dentists, police officers and law enforcement, nurses, and others. By qualifying for this discount, you could potentially save between $51 and $164 on your annual car insurance cost, depending on the coverage levels.
- Tickets and violations cost money. To get cheap car insurance in Council Bluffs, it pays off to be a safe driver. Just a few minor traffic citations have the potential to raise insurance policy cost by as much as $450 per year. Being convicted of a serious infraction such as reckless driving could raise rates by an additional $1,564 or more.