Buy Cheap Houghton, IA Auto Insurance (2021)

Houghton, IA auto insurance rates average $253 a month. Minimum auto insurance requirements in Houghton, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Houghton, IA, compare Houghton auto insurance quotes from top companies.

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    Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the ...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
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UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Houghton after a DUI is Travelers
  • Average auto insurance rates in Houghton, IA after a DUI are $3,660/year
  • The most expensive auto insurance company in Houghton is Travelers

Finding affordable Houghton, Iowa auto insurance can be challenging, but everything you need to know to buy cheap Houghton, IA auto insurance with confidence is right here. Auto insurance rates in Houghton are affected by local factors as well as personal ones like your driving record.

See how Houghton, IA car insurance rates compare to Ames auto insurance rates, Davenport auto insurance rates, and Cedar Rapids auto insurance rates before you read more about the cost of auto insurance in Houghton.

Don’t buy Houghton, IA auto insurance until you’ve compared rates. Get free Houghton, Iowa auto insurance quotes when you enter your ZIP code above.

Houghton, IA Minimum Auto Insurance Requirements

The required auto insurance in Houghton, IA is 20/40/15 according to the auto insurance laws in Iowa. The minimum auto insurance in Houghton, Iowa is outlined here.

Minimum Required Auto Insurance Coverage in Houghton, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Find Cheap Houghton, IA Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Houghton, IA. Take a look at Houghton, Iowa auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Houghton, Iowa

Insurance Company Poor Fair Good
Allstate $3,364 $2,677 $2,403
American Family $3,947 $2,900 $2,434
Farmers $2,822 $2,339 $2,216
GEICO $2,783 $2,315 $1,848
Liberty Mutual $6,693 $4,138 $3,253
Nationwide $3,293 $2,572 $2,254
Progressive $3,032 $2,428 $2,189
State Farm $3,157 $1,953 $1,541
Travelers $6,434 $5,491 $5,232
USAA $2,399 $1,648 $1,427

Buy Cheap Houghton, IA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Houghton, Iowa auto insurance rates? Find out how car insurance rates in Houghton, IA are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Houghton, Iowa

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,901 $1,837 $1,679 $1,711 $5,260 $5,887 $2,087 $2,154
American Family $2,002 $2,002 $1,788 $1,788 $5,297 $7,457 $2,002 $2,414
Farmers $1,524 $1,554 $1,366 $1,491 $4,582 $4,887 $2,062 $2,204
GEICO $1,893 $1,693 $1,696 $1,552 $4,278 $3,972 $1,787 $1,651
Liberty Mutual $2,219 $2,406 $1,952 $2,371 $10,975 $12,344 $2,516 $2,775
Nationwide $1,884 $1,937 $1,676 $1,793 $4,314 $5,598 $2,130 $2,321
Progressive $1,839 $1,785 $1,515 $1,568 $4,265 $4,826 $2,214 $2,387
State Farm $1,447 $1,447 $1,269 $1,269 $3,891 $4,937 $1,626 $1,851
Travelers $2,578 $2,632 $2,501 $2,510 $11,430 $18,247 $2,680 $3,174
USAA $1,224 $1,238 $1,123 $1,146 $3,285 $3,490 $1,468 $1,622

Buy Cheap Houghton, IA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Houghton can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Houghton, IA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Houghton, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,260 $5,887
American Family $5,297 $7,457
Farmers $4,582 $4,887
GEICO $4,278 $3,972
Liberty Mutual $10,975 $12,344
Nationwide $4,314 $5,598
Progressive $4,265 $4,826
State Farm $3,891 $4,937
Travelers $11,430 $18,247
USAA $3,285 $3,490

Buy Cheap Houghton, IA Auto Insurance for Seniors

You can save on senior auto insurance rates in Houghton, Iowa by comparing Houghton senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Houghton, IA here.

Annual Auto Insurance Rates for Senior Drivers in Houghton, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,679 $1,711
American Family $1,788 $1,788
Farmers $1,366 $1,491
GEICO $1,696 $1,552
Liberty Mutual $1,952 $2,371
Nationwide $1,676 $1,793
Progressive $1,515 $1,568
State Farm $1,269 $1,269
Travelers $2,501 $2,510
USAA $1,123 $1,146

Find Cheap Auto Insurance Rates in Houghton, IA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Houghton, Iowa auto insurance. Compare Houghton, IA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Houghton, Iowa

Insurance Company Low Medium High
Allstate $2,718 $2,817 $2,908
American Family $3,115 $3,265 $2,900
Farmers $2,354 $2,467 $2,556
GEICO $2,192 $2,316 $2,437
Liberty Mutual $4,514 $4,687 $4,883
Nationwide $2,829 $2,691 $2,599
Progressive $2,415 $2,557 $2,677
State Farm $2,111 $2,229 $2,311
Travelers $5,374 $5,806 $5,977
USAA $1,732 $1,830 $1,911

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Find Cheap Houghton, IA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Houghton. Compare auto insurance rates in Houghton, IA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Houghton, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,748 $2,881
American Family $3,057 $3,130
Farmers $2,459 $2,459
GEICO $2,269 $2,362
Liberty Mutual $4,695 $4,695
Nationwide $2,706 $2,706
Progressive $2,550 $2,550
State Farm $2,164 $2,270
Travelers $5,719 $5,719
USAA $1,758 $1,891

Find Cheap Houghton, IA Auto Insurance Rates by Driving Record

Auto insurance rates in Houghton, Iowa are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Houghton, IA, take a look at the average cost for various violations versus rates for a clean driving record in Houghton.

Annual Houghton, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,414 $2,900 $3,264 $2,680
American Family $2,233 $3,268 $4,246 $2,627
Farmers $2,095 $2,597 $2,637 $2,506
GEICO $1,756 $2,451 $3,170 $1,884
Liberty Mutual $4,053 $5,020 $5,113 $4,592
Nationwide $1,951 $2,815 $3,849 $2,211
Progressive $2,057 $3,336 $2,229 $2,577
State Farm $2,054 $2,380 $2,217 $2,217
Travelers $4,171 $5,556 $7,440 $5,709
USAA $1,395 $1,870 $2,432 $1,602

Find Cheap Houghton, IA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Houghton, Iowa is higher than for a clean driving record. You can buy auto insurance after a DUI in Houghton for less when you shop around and compare rates from multiple Houghton, IA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Houghton, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,264
American Family $4,246
Farmers $2,637
GEICO $3,170
Liberty Mutual $5,113
Nationwide $3,849
Progressive $2,229
State Farm $2,217
Travelers $7,440
USAA $2,432

Winners by Category: Where to Buy Cheap Auto Insurance in Houghton, IA

Compare rates from the cheapest auto insurance companies in Houghton, IA for your needs. Take a look at how Houghton, Iowa auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Houghton, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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Find Cheap Houghton, Iowa Auto Insurance Companies

If you’re looking for the cheapest Houghton, IA auto insurance companies overall, you can compare them here. Find the best price for Houghton, Iowa car insurance by company.

Average Annual Auto Insurance Rates by Company in Houghton, Iowa

Insurance Company Average Annual Rates
Allstate $2,815
American Family $3,093
Farmers $2,459
GEICO $2,315
Liberty Mutual $4,695
Nationwide $2,706
Progressive $2,550
State Farm $2,217
Travelers $5,719
USAA $1,825

What affects Houghton, Iowa auto insurance rates?

Local factors affect auto insurance rates in Houghton, IA, including traffic, theft statistics, and commute length. Take a look at the things that impact Houghton auto insurance rates.

Commute Times in Houghton

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Houghton, IA is 20.1 minutes according to City-Data.

Compare Auto Insurance Quotes in Houghton, IA

You can buy cheap Houghton, IA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Houghton, Iowa auto insurance quotes from top companies.

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