Dubuque, IA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Dubuque, IA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Dubuque, IA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Dubuque, IA Auto Insurance Rates
- Dubuque, IA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Dubuque, IA
- Multi Vehicle Insurance Savings in Dubuque, IA
- How Credit Score Affects Car Insurance Rates in Dubuque, IA
- How DUI Affects Auto Insurance Premiums in Dubuque, IA
- Top Auto Insurance Agents Near Dubuque, IA
- How Driving Violations Affect Auto Insurance Rates in Dubuque, IA
- Dubuque, IA Auto Insurance Discounts on Anti Theft Feature
- Dubuque, IA Auto Insurance Company Reviews
Dubuque, IA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Dubuque, IA with that of other cities in and around Dubuque.
| Dubuque | Dunleith | East Dubuque | Sageville | Asbury | Sandy Hook | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,114 | $1,229 | $1,220 | $1,047 | $1,165 | $1,122 |
Dubuque, IA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Dubuque, IA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Dubuque | $1,111 | $939 |
| Sageville | $1,326 | $1,120 |
| East Dubuque | $1,705 | $1,440 |
| Asbury | $1,073 | $907 |
| Julien | $1,547 | $1,307 |
| Dunleith | $1,007 | $851 |
| Durango | $1,363 | $1,151 |
| Sandy Hook | $1,350 | $1,141 |
Dubuque, IA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Dubuque, IA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,615 |
| 20 Years | $1,431 |
| 30 Years | $1,102 |
| 40 Years | $1,061 |
| 50 Years | $982 |
| 60 Years | $996 |
| 70 Years | $1,159 |
Dubuque, IA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Dubuque, IA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,916 | $312 |
| 3 Vehicles | $2,874 | $468 |
| 4 Vehicles | $3,832 | $624 |
Savings on 2 Vehicles bundle:$312
Savings on 3 Vehicles bundle:$468
Savings on 4 Vehicles bundle:$624
Dubuque, IA Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Dubuque, IA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Dubuque | $1,114 | $1,893 |
| Sageville | $1,047 | $1,779 |
| East Dubuque | $1,220 | $1,981 |
| Asbury | $1,165 | $1,979 |
| Julien | $1,502 | $2,552 |
| Dunleith | $1,229 | $1,995 |
| Durango | $1,323 | $2,248 |
| Sandy Hook | $1,122 | $2,160 |
Dubuque, IA Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $956 |
| Excellent (740-799) | $1,091 |
| Good (670-739) | $1,161 |
| Average (580-669) | $1,514 |
| Poor (300-579) | $1,817 |
Dubuque, IA Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Loveless Tri-State Insurance | None | 1660 Embassy West Drive, Dubuque, 52002 | None |
| Goodmann Insurance Services, Inc. | None | 2774 University Ave, Dubuque, 52001 | None |
| Nancy Wallace | State Farm | 4867 Asbury Rd, Dubuque, 52002-0490 | 563-582-7403 |
| Steve Buchheit | State Farm | 1900 John F Kennedy Rd Ste 3, Dubuque, 52002-3803 | 563-588-1491 |
| Db & T Insurance Inc | None | 1398 Central Ave, Dubuque, 52001 | None |
| Scott Goins | State Farm | 3100 Cedar Crest Rdg, Dubuque, 52003-6727 | 563-583-4313 |
| Denlinger Insurance Agency Inc | None | 2600 Jackson Street, Dubuque, 52001 | None |
Dubuque, IA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$49 | $1,163 |
| Driver's Failure In Showing Documents | +$108 | $1,222 |
| Driving With An Expired Registration | +$115 | $1,229 |
| Driving At A Considerably Slow Pace | +$242 | $1,356 |
| Using A Cellphone While Driving | +$255 | $1,369 |
| Running A Red Light | +$260 | $1,374 |
| Speeding | +$273 | $1,387 |
| Driving A Vehicle Without The Required Permission | +$346 | $1,460 |
| Driving With An Expired/Suspended License | +$751 | $1,865 |
Dubuque, IA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,069 |
| Active Disabling Device | $1,069 |
| Tracking Device | $1,047 |
| Passive Disabling Device | $1,036 |
Latest Auto Insurance Reviews in Dubuque, IA | Back to Top
GeicoI am completely satisfied with Geico! The prices are amazing, so is the customer service. They always take care of me when I call and i'm 100 happy with the level of care that they provide evertime I call.
Progressiveit is one of the largest insurance company in th U.S and has compeetitive rates lots of positive reviews, fast claim process
Erie InsuranceI am content with the premium and deductible of my current insurer. I don't know how they presently compare to other insurers.
GeicoAgain, I haven't been insurance shopping ina long time. I have looked to check that I am not getting over charged, but mine works for me . I am not sure baout other insurances, but I guess they are all pretty much the same.
GeicoMy current car insurance policy is full coverage including liability, towing, road side assistance. I currently have a car insurance policy with Geico Insurance.
Liberty MutualI am completely satisfied with my current insurance company. I have had them for about six years and they continue to find ways to help me cut cost.
State FarmI picked the one with the lowest premium that still had the decent review because for the most part, it was similar to other companies with service and the premium was a little lower. It's still way too high though
GeicoI like them because they offer fantastic support. I never have to wait on hold, I can get answers online or by calling them. Very important
GeicoMy customer service experience was great. All I had to do was go into the app and select chat. I was immediately connected to someone who helped me with my claim. I got fast service and didn't even have to leave my house, the glass repair tech came to my house.