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Finding the cheapest car insurance quotes in Booneville shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Booneville
The car insurance rate in Booneville is $671 for a six-month policy, which is $28 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $353, making it a popular choice for budget-conscious drivers. Rates in Booneville can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $353 for a six
month policy, West Bend Mutual offers
the cheapest
auto
insurance rates in the city.
2nd place: Grange
Grange offers auto
insurance rates at $399 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $422
for six months, making it
the third cheapest auto insurance company in Booneville.
Booneville Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Booneville, IA is West Bend Mutual, offering policies at just $353 for a six-month term. This is followed by Grange, which has an average six-month premium of $399.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1317 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Booneville drivers find the best deals.
Way's key takeaways about car insurance in Booneville
The auto insurance costs in Booneville fall around $353 for six
months.
The cheapest auto insurance company in Booneville is Pekin.
Teen drivers pay the highest rate in Booneville at $567 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Booneville
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Booneville are given below.
Pekin provides
the cheapest minimum car insurance
coverage in Booneville. Their Average 6 Month Premium is $97.
West Bend is the most
expensive at $120 for the same
period.
Cheapest Full Coverage Car Insurance in Booneville
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Booneville is West Bend Mutual
at $59 per month and $353
for six months.
Cheapest Full Coverage Car Insurance Quotes in Booneville,
IA
Get Your Car Insurance Quote in Booneville
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Average Car Insurance in Booneville by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Booneville, IA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Booneville, Iowa, may be increasing due to several external factors.
Iowa has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Booneville's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Booneville
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Booneville,IA
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Booneville at $21
per
month. At $3336 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Booneville.
As young drivers face the highest rates in Booneville, N/A
offers the cheapest auto insurance rates at $N/A for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Booneville,
Grange is
the cheapest car insurance provider. At $165 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Booneville is Grinnell Mutual, offering
rates of around $2025 for six
months.
Save up to $971/yr on car insurance rates in Booneville.
Car Insurance Rates with An Accident in Booneville
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Booneville, IA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Booneville
The cheapest car insurance companies after an at-fault accident in
Booneville include Hastings Mutual
and Pekin, offering $108
and $132,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1808.
Here is a list of driving violations that can increase your car
insurance rates in Booneville IA. For example, the car
insurance in Booneville
after a DUI increases to $684 for a six
month policy. While the rate increases by $97 for a six-month policy in the case of
a speeding ticket.
Booneville auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$804
$134
One Med/PIP claim
$815
$138
Not-at-fault accident
$838
$140
One comp claim
$861
$147
Two Med/PIP claims
$884
$147
Child safety restraint
$901
$154
Failure to show documents
$901
$150
Failure to wear a seat belt
$901
$154
Speeding 6 - 10 MPH over limit
$901
$150
Two comp claims
$901
$154
Driving without lights
$906
$151
Driving with expired registration
$929
$158
Failure to yield
$929
$155
Illegal turn
$929
$158
Failure to stop at a red light
$935
$156
Wrong way/wrong lane
$941
$160
Cell phone violation
$947
$157
Driving too slowly
$947
$161
Speeding 11 - 15 MPH over limit
$947
$157
Texting while driving
$947
$161
Speeding 16 - 20 MPH over limit
$952
$158
Speeding in school zone
$964
$164
Improper passing
$970
$161
Following too closely
$975
$166
At-fault accident - less than $1000
$993
$165
Passing school bus
$1009
$172
Operating a vehicle without permission
$1061
$177
At-fault accident - $1000-$2000
$1078
$183
Speeding 21 - 25 MPH over limit
$1078
$180
At-fault accident - greater than $2000
$1084
$184
In 65 MPH zone
$1158
$193
Open container
$1220
$207
Racing
$1375
$229
Driving with a suspended license
$1403
$238
Reckless driving
$1437
$239
Refusal to submit to a chemical test
$1460
$249
DUI
$1488
$248
Leaving scene of an accident/hit and run
$1505
$256
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Booneville after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Booneville.
The cheapest car insurance premiums in
Booneville are
offered by Western National at $171 for a six-month policy.
However, it can be as
expensive as $2230 with companies
like Grinnell Mutual.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Booneville are offered by Westfield
at $126. However,
it can be as expensive as $1460
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Booneville after Speeding ticket
Car insurance rates in Booneville have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Booneville remained steady at $134 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Booneville remained steady at $28 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Booneville by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Booneville. At $1342 for a
six-month policy, insuring
your car at 50038 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Booneville?
The car insurance in Booneville is $16 per month, which is lower than the national average.
What is the cheapest car insurance in Booneville?
The cheapest car insurance in Booneville
is $59 per month
for full coverage.
How much is car insurance in Booneville for teenagers?
Car insurance for teenagers costs $126 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Booneville?
The average cost of car insurance is $699 for a six-month
policy. It will cost around $112 per month to insure your
car in Booneville.
Is car insurance expensive in Booneville?
Car insurance can be expensive in Booneville if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Booneville can be
affordable.
What is the best car insurance in Booneville,
IA?
The best car insurance company in Booneville
IA is
West Bend Mutual, offering $353 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Booneville, IA
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Booneville Car Insurance
