Howard Auto Insurance Rates, Quotes, Agents & Reviews in IA

Howard, IA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Howard, 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.

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Factors that can influence the cost of car insurance in Howard, 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.

Howard, IA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Howard, IA with that of other cities in and around Howard.

Howard Roland Lafayette Randall Gilbert McCallsburg
Average Insurance Rates $1,058 $1,030 $1,044 $1,100 $1,064 $998

Howard, 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 Howard, 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)
Howard $1,141 $964
Roland $1,095 $925
Story City $1,829 $1,545
Lafayette $1,657 $1,400
Randall $1,283 $1,084
Gilbert $1,690 $1,428
McCallsburg $1,571 $1,327
Franklin $1,244 $1,051

Howard, IA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Howard, 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 $3,433
20 Years $1,359
30 Years $1,047
40 Years $1,007
50 Years $933
60 Years $946
70 Years $1,101

Howard, IA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Howard, 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 $1,820 $296
3 Vehicles $2,730 $444
4 Vehicles $3,640 $592

Savings on 2 Vehicles bundle:$296

Savings on 3 Vehicles bundle:$444

Savings on 4 Vehicles bundle:$592

Howard, 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 Howard, IA.

Location Average Insurance Cost Post DUI Insurance Rate
Howard $1,058 $1,798
Roland $1,030 $1,750
Story City $1,040 $1,767
Lafayette $1,044 $1,774
Randall $1,100 $1,869
Gilbert $1,064 $1,808
McCallsburg $998 $1,696
Franklin $1,191 $2,024

Howard, 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) $908
Excellent (740-799) $1,036
Good (670-739) $1,102
Average (580-669) $1,438
Poor (300-579) $1,726

Howard, 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
First State Ins Travelers 385 CHICAGO RD, PAW PAW, 61353 815-627-8552
Mark Doyle State Farm 2701 Stange Rd Ste 110, Ames, 50010-3959 515-232-8090
The Dana Company Travelers 12345 UNIVERSITY AVE STE 300, DES MOINES, 50325 515-224-4391
Brandon Geise State Farm 617 Broad St, Story City, 50248-1200 515-733-4366
Ecolab Travelers 12421 MEREDITH DR, URBANDALE, 50398 800-952-8699
Nate Sammler State Farm 1850 SW White Birch Circle, Ankeny, 50023-7216 515-964-8102

Howard, 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 +$47 $1,105
Driver's Failure In Showing Documents +$103 $1,161
Driving With An Expired Registration +$109 $1,167
Driving At A Considerably Slow Pace +$230 $1,288
Using A Cellphone While Driving +$242 $1,300
Running A Red Light +$247 $1,305
Speeding +$259 $1,317
Driving A Vehicle Without The Required Permission +$329 $1,387
Driving With An Expired/Suspended License +$713 $1,771

Howard, 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 $1,016
Active Disabling Device $1,016
Tracking Device $995
Passive Disabling Device $984