We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Honey Creek 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 Honey Creek
The car insurance rate in Honey Creek is $783 for a six-month policy, which is $84 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $412, making it a popular choice for budget-conscious drivers. Rates in Honey Creek 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 $412 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 $466 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $493
for six months, making it
the third cheapest auto insurance company in Honey Creek.
Honey Creek Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Honey Creek, IA is West Bend Mutual, offering policies at just $412 for a six-month term. This is followed by Grange, which has an average six-month premium of $466.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1537 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Honey Creek drivers find the best deals.
Way's key takeaways about car insurance in Honey Creek
The auto insurance costs in Honey Creek fall around $412 for six
months.
The cheapest auto insurance company in Honey Creek is Pekin.
Teen drivers pay the highest rate in Honey Creek at $662 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 Honey Creek
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 Honey Creek are given below.
Pekin provides
the cheapest minimum car insurance
coverage in Honey Creek. Their Average 6 Month Premium is $113.
West Bend is the most
expensive at $140 for the same
period.
Cheapest Full Coverage Car Insurance in Honey Creek
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 Honey Creek is West Bend Mutual
at $68 per month and $412
for six months.
Cheapest Full Coverage Car Insurance Quotes in Honey Creek,
IA
Get Your Car Insurance Quote in Honey Creek
Instantly!
Average Car Insurance in Honey Creek 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 Honey Creek, IA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Honey Creek, 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, Honey Creek's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Honey Creek
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
undefined
Cheapest Car Insurance Rates for Teen Drivers in
Honey Creek,IA
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Honey Creek at $25
per
month. At $3892 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 Honey Creek.
As young drivers face the highest rates in Honey Creek, 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 Honey Creek,
Grange is
the cheapest car insurance provider. At $193 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
Honey Creek is Grinnell Mutual, offering
rates of around $2362 for six
months.
Save up to $971/yr on car insurance rates in Honey Creek.
Car Insurance Rates with An Accident in Honey Creek
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 Honey Creek, IA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Honey Creek
The cheapest car insurance companies after an at-fault accident in
Honey Creek include Hastings Mutual
and Pekin, offering $127
and $153,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2109.
Here is a list of driving violations that can increase your car
insurance rates in Honey Creek IA. For example, the car
insurance in Honey Creek
after a DUI increases to $797 for a six
month policy. While the rate increases by $113 for a six-month policy in the case of
a speeding ticket.
Honey Creek auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$939
$157
One Med/PIP claim
$951
$161
Not-at-fault accident
$978
$164
One comp claim
$1005
$171
Two Med/PIP claims
$1032
$171
Child safety restraint
$1052
$179
Failure to show documents
$1052
$175
Failure to wear a seat belt
$1052
$179
Speeding 6 - 10 MPH over limit
$1052
$175
Two comp claims
$1052
$179
Driving without lights
$1057
$176
Driving with expired registration
$1084
$185
Failure to yield
$1084
$180
Illegal turn
$1084
$185
Failure to stop at a red light
$1091
$181
Wrong way/wrong lane
$1098
$187
Cell phone violation
$1104
$184
Driving too slowly
$1104
$188
Speeding 11 - 15 MPH over limit
$1104
$184
Texting while driving
$1104
$188
Speeding 16 - 20 MPH over limit
$1111
$185
Speeding in school zone
$1124
$192
Improper passing
$1131
$188
Following too closely
$1138
$194
At-fault accident - less than $1000
$1158
$193
Passing school bus
$1177
$200
Operating a vehicle without permission
$1238
$206
At-fault accident - $1000-$2000
$1258
$214
Speeding 21 - 25 MPH over limit
$1258
$209
At-fault accident - greater than $2000
$1264
$215
In 65 MPH zone
$1351
$225
Open container
$1424
$242
Racing
$1604
$268
Driving with a suspended license
$1636
$278
Reckless driving
$1677
$279
Refusal to submit to a chemical test
$1704
$290
DUI
$1736
$289
Leaving scene of an accident/hit and run
$1756
$299
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 Honey Creek 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 Honey Creek.
The cheapest car insurance premiums in
Honey Creek are
offered by Western National at $199 for a six-month policy.
However, it can be as
expensive as $2602 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 Honey Creek are offered by Westfield
at $147. However,
it can be as expensive as $1704
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Honey Creek after Speeding ticket
Car insurance rates in Honey Creek have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Honey Creek remained steady at $157 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Honey Creek remained steady at $32 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Honey Creek 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
Honey Creek. At $1565 for a
six-month policy, insuring
your car at 51542 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Honey Creek?
The car insurance in Honey Creek is $19 per month, which is lower than the national average.
What is the cheapest car insurance in Honey Creek?
The cheapest car insurance in Honey Creek
is $68 per month
for full coverage.
How much is car insurance in Honey Creek for teenagers?
Car insurance for teenagers costs $147 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
Honey Creek?
The average cost of car insurance is $699 for a six-month
policy. It will cost around $131 per month to insure your
car in Honey Creek.
Is car insurance expensive in Honey Creek?
Car insurance can be expensive in Honey Creek if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Honey Creek can be
affordable.
What is the best car insurance in Honey Creek,
IA?
The best car insurance company in Honey Creek
IA is
West Bend Mutual, offering $412 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Honey Creek right now.
Find Car Insurance Rates in Cities Near Honey Creek, IA
Car Insurance Rates by State in the USA (2025 Update)
Honey Creek Car Insurance
