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Car Insurance Quotes in Howard, WI

Full coverage / year
$1,381
State minimum / year
$397
Typical quote range
$981 – $1,906

Drivers in Howard pay an estimated $1,381 a year for full coverage car insurance, or about $115 a month. That is around 11% below the Wisconsin average, helped by low traffic density and few comprehensive claims. Use the calculator below to price your actual age, vehicle and record instead of the city average.

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Car insurance calculator — Howard, WI

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$115/ month
$1,381 per year · carriers in Howard, WI typically quote $981 – $1,906
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Howard, WI

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$1,050$88-24%Military members and families only
Geico$1,132$94-18%Usually cheapest for clean records
State Farm$1,215$101-12%Strong for young and student drivers
Progressive$1,312$109-5%Competitive after a ticket or accident
Travelers$1,340$112-3%Good multi-policy discounts
Nationwide$1,381$1150%Mid-market, wide availability
Allstate$1,574$131+14%Higher base rate, heavy discount stacking
Farmers$1,671$139+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Howard, WI. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Howard

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$3,731$1,073$311
18 years old$3,147$905$262
20 years old$2,606$749$217
22 years old$2,164$622$180
25 years old$1,652$475$138
30 years old$1,424$409$119
40 years old$1,339$385$112
50 years old$1,282$368$107
60 years old$1,267$364$106
65 years old$1,324$381$110
70 years old$1,452$418$121
75 years old$1,695$487$141

Estimated premiums by age in Howard, WI, clean record, sedan.

What a ticket, accident or DUI costs in Howard

Driving recordEst. annualIncrease
Clean record$1,381—
1 speeding ticket$1,699+23%
1 at-fault accident$2,030+47%
DUI / DWI$2,611+89%

What a violation costs a 35-year-old in Howard, WI. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Wisconsin

Every driver registering a vehicle in Wisconsin must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Wisconsin Department of Insurance.

Required coverage in WisconsinMinimum limit
Bodily injury liability, per person$25,000
Bodily injury liability, per accident$50,000
Property damage liability$10,000
Uninsured motorist 25/50Required
Insurance systemAt-fault (tort)

Coverage levels compared in Howard

Coverage levelEst. annualEst. monthly
State minimum liability$397$33
Full coverage (100/300/100 + comp & collision)$1,381$115
Full coverage, high limits + low deductible$1,644$137

Coverage level comparison for Howard, WI.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Howard

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Howard covers 54303, 54162, 54180, 54304 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Howard, WI?
Full coverage in Howard is estimated at $1,381 a year ($115 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $397 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Wisconsin?
Wisconsin requires at least $25,000 bodily injury per person, $50,000 per accident and $10,000 property damage, plus uninsured motorist 25/50. Wisconsin is an at-fault state, so the driver responsible for the crash pays for the damage.
▸Who has the cheapest car insurance in Howard?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Howard for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Howard?
An 18-year-old in Howard is estimated at $3,147 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Howard?
A DUI takes the estimate from $1,381 to about $2,611 a year in Howard, an increase of roughly 89%. Wisconsin drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Howard?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

Green BayAshwaubenonDe PereBellevueKaukaunaAppletonMenashaNeenah

Comparing more of Wisconsin? See every Wisconsin city we price or read the cheap car insurance guide for Howard.