Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Waterloo

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Waterloo Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

48Reviewed

32Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

622 West 4th Street, Waterloo, IA 50702
WebsiteLicense: 10137431

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Why choose this provider?

Established in 1923, The Sinnott Agency, Inc., is a full-service, local independent insurance agency in Waterloo that offers car insurance options to its clients. Its agents help clients assess their risks, find the best-suited policy and coverages, and make a claim. Their customized risk management solutions protect the assets of around 2000 individuals and 500 businesses. The Sinnott Agency, Inc., also offers insurance products and services for home, life, health, retirement, and business needs.

  • Multiple Carriers

834 West 4th Street, Waterloo, IA 50702
WebsiteLicense: 8859106

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Review Sources

Google
4.0 (20)
Facebook
5.0 (17)

Why choose this provider?

Preferred Rate is a local personal line insurance company that serves the Waterloo community and nearby localities. The independent insurance agency assists individuals and families in protecting themselves and their loved ones on the road with an auto insurance policy. Its lead insurance agents help clients filter coverage options and choose the right policy among several carriers that best suits their needs. They also work with providers in writing personalized policies for each client. Other products they offer include home, life, and health insurance.

  • Home & Auto Insurance

3826 Cedar Heights Drive, Cedar Falls, IA 50613
WebsiteLicense: 277599

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Review Sources

Google
4.0 (9)

Why choose this provider?

Douglas Trunnell Insurance Services is an independent insurance firm in Cedar Falls that extends its services to individuals, families, and businesses in Waterloo and the surrounding areas. The company’s experienced and professional agents can help drivers of different backgrounds obtain car insurance policies from several reputable carriers for financial support in the event of an automotive emergency. In addition to standard auto, Douglas Trunnell Insurance Services also insures other vehicles, such as classic cars and motorcycles.

  • Multiple Carriers

611 Ansborough Avenue, Waterloo, IA 50701
WebsiteLicense: 268673

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Review Sources

Google
4.0 (12)
Facebook
5.0 (1)

Why choose this provider?

Elliott Hartman Insurance Services is a full-service insurance firm responding to the coverage needs of individuals, families, and businesses in Waterloo. Its professional agents can help vehicle owners find car insurance policies from various reputable and financially strong carriers aimed at meeting the state’s requirements as well as the clients' personal preferences. They also assist with obtaining home, trucking, and commercial insurance. Elliott Hartman Insurance Services traces its origins to the year 1910 when it was first established as Weatherwax Agency.

  • Home & Auto Insurance

116 1st Avenue North, Waterloo, IA 50009
WebsiteLicense: 9700911

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Review Sources

Facebook
5.0 (2)

Why choose this provider?

Luke Peterson Insurance is an auto insurance provider that covers clients in Waterloo and nearby cities. It interviews clients to assess their driving history and risk level. Through this, the company can choose which coverages, like uninsured motorist and medical liability protection, are the best fit for each driver. The independent agency is partnered with carriers like State Auto, Progressive, and Travelers. It was founded by Luke Peterson, who has over 13 years of experience in insurance.

  • Multiple Carriers
  • RV & Motorhome
  • Boats

3022 Airport Boulevard, Waterloo, IA 50703

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Review Sources

Google
4.8 (61)
Facebook
5.0 (24)
Yelp
1.0 (1)

Why choose this provider?

PDCM Insurance assists customers in Waterloo by utilizing its unique Risk Reduction Approach to customize insurance solutions. The company partners with a variety of insurance companies to offer traditional coverages covering home, automobile, and rental property. Its commercial coverages include general liability and workers' compensation. Its agents provide commercial insurance services to industries like manufacturing, technology, social services and nonprofits, healthcare, and construction. PDCM Insurance resulted from a merger of two companies, with roots dating back 100 years.

  • Home Insurance

3265 West 4th Street, Waterloo, IA 50701
WebsiteLicense: 19305880

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Review Sources

Google
4.9 (14)
Facebook
5.0 (3)

Why choose this provider?

Fish-Johnson Insurance is a locally owned company that serves residential and commercial clients in Waterloo. It offers a variety of insurance services, including personal and commercial auto, motorcycle support, boat, and watercraft insurance. Its agents also provide general and excess liability coverage for small and medium enterprises. The Fish-Johnson Insurance team has access to reliable insurance brands and gives policy buyers a detailed coverage recommendation that can meet their needs.

  • Multiple Carriers

1010 East Mitchell Avenue, Waterloo, IA 50702
WebsiteLicense: 6899968

Expertise.com Rating

Review Sources

Google
4.0 (7)

Why choose this provider?

Yarwood Insurance Agency is a local car insurance company in Waterloo that offers comprehensive car insurance coverage. It provides insurance products that protect clients from financial losses brought by accidents, vandalism, theft, and fire. The company also takes care of medical payments, commonly known in other states as personal injury protection insurance plans, which cover the hospital bills needed if drivers or passengers sustain injuries. Aside from car insurance, Yarwood Insurance Agency also has insurance policies for homeowners and renters.

  • Home & Auto Insurance
  • Home Insurance

724 E 1st Street, Waterloo, IA 50111
WebsiteLicense: 263929

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Review Sources

Google
5.0 (23)

Why choose this provider?

Jerry Holbrook Insurance Grimes Johnston West Des Moines is an independent insurance agency servicing the Waterloo community. Since 1989, it has been providing multiple personal and commercial insurance plans to clients, including auto insurance coverage options. Insurance policies are also available for videographers, woodworkers, and churches. Claims are accommodated by Jerry Holbrook during evenings and weekends through a phone call. The agency partners with different insurance companies to serve clients with the most ideal policies that fit their unique needs.

  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

1708 State Street, Cedar Falls, IA 50613
WebsiteLicense: 6858557

Expertise.com Rating

Review Sources

Google
4.9 (28)
Facebook
5.0 (4)

Why choose this provider?

Brad McCunniff is a second-generation State Farm insurance agent that serves clients in Waterloo, Cedar Valley, and nearby areas. Through State Farm, he provides general insurance products and services such as auto insurance focusing on fleet management for small businesses as well as home and life insurance products. His team also conducts annual reviews for clients' financial services and insurance needs. Brad earned his credentials as a chartered life underwriter and notary public at the University of Northern Iowa.

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • What is the average monthly car insurance rate in Waterloo for drivers with current coverage?

    The average monthly car insurance rate in Waterloo for drivers with current coverage is around $84.54. This rate reflects the competitive pricing offered to drivers who maintain continuous car insurance coverage, as insurance companies often consider them lower-risk customers due to their adherence to legal requirements and responsible driving behavior.

  • What are the liability requirements for car insurance in Waterloo?

    Car insurance liability requirements in Waterloo require a minimum of $20,000 in coverage for one person's injury or death, $40,000 in coverage for two or more people's injuries or deaths, and at least $15,000 in coverage for property damage. These minimum limits apply to all policies for drivers in the state. Drivers can tailor policies to their specific needs and preferences by selecting policies with higher liability limits and additional coverage options.

  • Is car insurance in Waterloo necessary if you do not own a vehicle?

    Non-owner auto insurance in Waterloo is recommended for people who frequently borrow or rent cars. This coverage not only protects you in the event of an accident, but it also ensures that you are in compliance with state regulations. Whether you use car-sharing services or occasionally borrow vehicles from friends or family members, non-owner auto insurance adds a valuable layer of protection and peace of mind.

  • Is it possible to transfer your out-of-state car insurance to Waterloo?

    Yes, you can usually transfer your out-of-state auto insurance to Waterloo. While most insurance companies allow policy transfers, you should double check that your coverage meets Iowa's minimum requirements. Because Iowa has specific minimum coverage limits for liability insurance, you may need to modify your policy to comply with these regulations.

  • Which types of vehicles typically have the cheapest car insurance rates in Waterloo?

    Crossovers and compact SUVs are the vehicle types with the most affordable car insurance rates in Waterloo. Nissan Kicks, Chevrolet Trailblazer, and Nissan Rogue Sport models are well-known for their low insurance costs, which typically average around $1,236 per year or $103 per month for full coverage. These vehicles provide affordable insurance options for Waterloo residents.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.