Cheapest Car Insurance Quotes in Howards Grove

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Howards Grove Car Insurance

^$ 17

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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 Howards Grove

The car insurance rate in Howards Grove is $582 for a six-month policy, which is $95 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $240, making it a popular choice for budget-conscious drivers. Rates in Howards Grove 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.

Avg. Car Insurance in Howards Grove

$582

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Howards Grove

1st place: AAA

At $240 for a six month policy, AAA offers the cheapest auto insurance rates in the city.

2nd place: West Bend Mutual

West Bend Mutual offers auto insurance rates at $358 for a six-month policy, making it one of the cheapest to insure with.

3rd place: IMT Insurance Company

IMT Insurance Company offers auto insurance rates at $393 for six months, making it the third cheapest auto insurance company in Howards Grove.

Howards Grove Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Howards Grove, WI is AAA, offering policies at just $240 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $358.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $654 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Howards Grove drivers find the best deals.

Cheap Car Insurance Companies in Howards Grove, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$240	$40
West Bend Mutual	$358	$59
IMT Insurance Company	$393	$67
Auto-Owners Insurance Co	$398	$66
Chubb	$409	$70
Acuity	$439	$74
American Family	$445	$75
Travelers	$455	$77
Erie	$531	$89
USAA	$618	$104
Rockford Mutual	$648	$110
Nationwide	$700	$118
Rural Mutual	$721	$122
State Farm	$721	$121
Progressive	$843	$142
Farmers	$899	$150
Allstate	$1042	$175
Secura	$552	$92
Hastings Mutual	$654	$111

Key Takeaways

Way's key takeaways about car insurance in Howards Grove

The auto insurance costs in Howards Grove fall around $240 for six months.
The cheapest auto insurance company in Howards Grove is AAA.
Teen drivers pay the highest rate in Howards Grove at $550 per month.

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Cheapest Minimum Liability Car Insurance in Howards Grove

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 Howards Grove are given below.

AAA provides the cheapest minimum car insurance coverage in Howards Grove. Their Average 6 Month Premium is $102. Secura is the most expensive at $138 for the same period.

Cheapest Liability Coverage in Howards Grove, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$102	$17
Rural Mutual	$113	$19
Western National	$123	$21
Erie	$138	$23
USAA	$148	$25
West Bend Mutual	$153	$26
Auto-Owners Insurance Co	$158	$27
Acuity	$163	$28
American Family	$169	$28
Travelers	$169	$28
Progressive	$174	$29
Chubb	$179	$30
State Farm	$194	$33
Farmers	$301	$52
Allstate	$398	$67
Secura	$138	$23

Cheapest Full Coverage Car Insurance in Howards Grove

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 Howards Grove is AAA at $40 per month and $240 for six months.

Cheapest Full Coverage Car Insurance Quotes in Howards Grove, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$240	$40
West Bend Mutual	$358	$59
IMT Insurance Company	$393	$67
Auto-Owners Insurance Co	$398	$66
Chubb	$409	$70
Acuity	$439	$74
American Family	$445	$75
Travelers	$455	$77
Erie	$531	$89
USAA	$618	$104
Rockford Mutual	$648	$110
Nationwide	$700	$118
Rural Mutual	$721	$122
State Farm	$721	$121
Progressive	$843	$142
Farmers	$899	$150
Allstate	$1042	$175
Secura	$552	$92
Hastings Mutual	$654	$111

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Average Car Insurance in Howards Grove 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 Howards Grove, WI increasing?

Despite maintaining a clean driving record, your car insurance rates in Howards Grove, Wisconsin, may be increasing due to several external factors. Wisconsin has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Howards Grove's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Howards Grove

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
20s	USAA	$412
30s	USAA	$331
40s	USAA	$300
50s	USAA	$285
60s	USAA	$297
70s	USAA	$366

Cheapest Car Insurance Rates for Teen Drivers in Howards Grove,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Howards Grove at $28 per month. At $3295 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$169	$28
Travelers	$174	$29
Auto-Owners Insurance Co	$200	$34
Western National	$200	$34
West Bend Mutual	$224	$38
USAA	$740	$125
Erie	$761	$128
American Family	$919	$155
Acuity	$1400	$236
State Farm	$1614	$272
Progressive	$2330	$392
Allstate	$3070	$517
Farmers	$3295	$550

Teen Car Insurance Rates in WI by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Howards Grove.

As young drivers face the highest rates in Howards Grove, USAA offers the cheapest auto insurance rates at $412 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 Howards Grove, Western National is the cheapest car insurance provider. At $128 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 Howards Grove is Allstate, offering rates of around $1583 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$128	$22
AAA	$143	$24
West Bend Mutual	$184	$31
Chubb	$205	$34
IMT Insurance Company	$205	$34
Travelers	$240	$40
Acuity	$506	$85
American Family	$582	$98
State Farm	$624	$104
Erie	$674	$114
Progressive	$787	$132
Allstate	$1583	$269

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Car Insurance Rates with An Accident in Howards Grove

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 Howards Grove, WI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Howards Grove

The cheapest car insurance companies after an at-fault accident in Howards Grove include Western National and Rural Mutual, offering $128 and $148, respectively. Allstate is an expensive provider with an average six-month premium of $1553.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$128	$22
Rural Mutual	$148	$25
Auto-Owners Insurance Co	$194	$33
AAA	$200	$34
Chubb	$205	$34
Travelers	$205	$34
West Bend	$214	$36
West Bend Mutual	$255	$44
Auto-Owners	$266	$44
Erie	$409	$69
USAA	$409	$69
American Family	$618	$104
Acuity	$648	$109
State Farm	$654	$110
Farmers	$1236	$206
Progressive	$1374	$231
Allstate	$1553	$261

Howards Grove Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Howards Grove WI. For example, the car insurance in Howards Grove after a DUI increases to $680 for a six month policy. While the rate increases by $149 for a six-month policy in the case of a speeding ticket.

Howards Grove auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$730	$122
One Med/PIP claim	$735	$125
Not-at-fault accident	$766	$128
One comp claim	$777	$132
Two Med/PIP claims	$787	$131
Failure to show documents	$797	$136
Driving with expired registration	$817	$136
Failure to wear a seat belt	$822	$140
Two comp claims	$838	$139
Driving without lights	$869	$148
Child safety restraint	$874	$145
Speeding 6 - 10 MPH over limit	$879	$150
At-fault accident - less than $1000	$889	$148
Cell phone violation	$894	$152
Driving too slowly	$899	$150
Failure to yield	$899	$153
Speeding in school zone	$899	$150
Illegal turn	$904	$154
Speeding 11 - 15 MPH over limit	$904	$151
Speeding 16 - 20 MPH over limit	$904	$154
Texting while driving	$904	$151
Wrong way/wrong lane	$904	$154
Failure to stop at a red light	$914	$152
Following too closely	$914	$156
Improper passing	$940	$157
Passing school bus	$955	$163
In 65 MPH zone	$1006	$168
At-fault accident - $1000-$2000	$1047	$178
Speeding 21 - 25 MPH over limit	$1047	$175
Operating a vehicle without permission	$1053	$179
At-fault accident - greater than $2000	$1058	$176
Open container	$1067	$181
Reckless driving	$1379	$230
Racing	$1385	$236
Refusal to submit to a chemical test	$1395	$232
Driving with a suspended license	$1400	$238
Leaving scene of an accident/hit and run	$1405	$234
DUI	$1410	$240

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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 Howards Grove 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 Howards Grove.

The cheapest car insurance premiums in Howards Grove are offered by Western National at $128 for a six-month policy. However, it can be as expensive as $1241 with companies like Allstate.

Howards Grove car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$128	$22
Chubb	$205	$34
Travelers	$240	$40
West Bend	$286	$47
Kemper	$292	$50
USAA	$537	$90
Erie	$556	$94
American Family	$634	$107
Progressive	$761	$128
State Farm	$817	$138
Farmers	$1190	$202
Acuity	$1201	$200
Allstate	$1241	$209

Cheapest car insurance after a speeding ticket

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 Howards Grove are offered by Western National at $128. However, it can be as expensive as $1154 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Howards Grove after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$128	$22
AAA	$163	$28
Auto-Owners Insurance Co	$179	$30
Travelers	$200	$34
Chubb	$205	$34
West Bend Mutual	$235	$40
Erie	$363	$61
State Farm	$424	$71
American Family	$429	$72
Acuity	$511	$86
Progressive	$674	$114
Allstate	$1154	$196

Car Insurance Price Trends in Howards Grove, Wisconsin

Car insurance rates in Howards Grove have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Howards Grove rose by $108 in December compared to $105 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Howards Grove rose to $29 in December, compared to $28 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Howards Grove?

The car insurance in Howards Grove is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Howards Grove?

The cheapest car insurance in Howards Grove is $40 per month for full coverage.

How much is car insurance in Howards Grove for teenagers?

Car insurance for teenagers costs $169 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 Howards Grove?

The average cost of car insurance is $677 for a six-month policy. It will cost around $98 per month to insure your car in Howards Grove.

Is car insurance expensive in Howards Grove?

Car insurance can be expensive in Howards Grove if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Howards Grove can be affordable.

Cheapest Car Insurance Quotes in Howards Grove

Why you can trust Way?

How Much Is Car Insurance in Howards Grove

Avg. Car Insurance in Howards Grove

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Howards Grove

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Howards Grove Car Insurance Rates by Company

Cheap Car Insurance Companies in Howards Grove, WI

Way's key takeaways about car insurance in Howards Grove

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Howards Grove

Cheapest Liability Coverage in Howards Grove, WI

Cheapest Full Coverage Car Insurance in Howards Grove

Cheapest Full Coverage Car Insurance Quotes in Howards Grove, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Howards Grove by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Howards Grove, WI increasing?

Car Insurance Premiums by Age in Howards Grove

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Howards Grove,WI

If you are in your twenties USAA is the best choice for car insurance in Howards Grove.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Howards Grove

Cheapest Car Insurance Companies after an At-Fault Accident in Howards Grove

Howards Grove Car Insurance Rates by Violation

Howards Grove auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Howards Grove after a DUI

Howards Grove car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Howards Grove after Speeding ticket

Car Insurance Price Trends in Howards Grove, Wisconsin

Average Car Insurance Cost in Howards Grove by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Howards Grove, WI

Car Insurance Rates by State in the USA (2025 Update)

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