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Get Cheap Car Insurance in Horton, IA
We monitor insurance prices, helping the average driver in Horton save up to 33.2% on car insurance.
The Cheapest Minimum Coverage in Horton
The chart below shows the cheapest car insurance company in Horton for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by IMT Insurance, Auto-Owners Insurance, and Farm Bureau.
| Horton Insurer | Monthly Cost |
|---|---|
| State Farm | $27 |
| IMT Insurance | $27 |
| Auto-Owners Insurance | $29 |
| Farm Bureau | $30 |
Savings for Every Kind of Horton Driver
Based on our extensive insurance data, we know the average Horton driver will save about 22% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $263 per year by choosing the right vehicle insurance company. Some Horton residents are paying out over $1,203 extra every year for auto insurance in Horton. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Horton, IA Savings / Yr. |
|---|---|
$263 |
|
$366 |
|
$312 |
|
$420 |
|
$1,100 |
|
$362 |
|
$555 |
Horton Car Insurance vs. Iowa
People living in Horton pay an average of 3.71% less than the typical driver in the state. The average driver in Horton can expect to pay about $472 per year, or $1,203 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Horton for most people.
Car Insurance Prices by Horton Neighborhood
Insurance Prices
Where is insurance cheapest within Horton?
The map shows insurance prices in and around Horton, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $17 per year within the city boundaries, with insurance premiums ranging from a high of $1,211 to a low of $1,194. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Central parts of Horton.Pick the Best Car Insurance Company for You in Horton
The best car insurance provider for most drivers in Horton
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $263 over the average Horton car insurance company.
The best car insurance provider for Horton drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $366 over the competition.
The best car insurance company for Horton drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $312 better than other car insurance companies.
The best auto insurance for Horton drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $420 less each year.
The least expensive car insurance company for new and young drivers in Horton
In Horton, IMT Insurance costs young drivers $1,100 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Horton
State Farm gave the largest car insurance discounts to married couples, averaging $362 saved each year compared to an average Horton couple's premiums.
The cheapest car insurance in Horton for drivers with bad credit
The best Horton car insurance company for customer service
Recent price drops
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The cheapest large national provider in Horton
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Horton driver can expect to pay about $81 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Horton, USAA has the best prices for drivers with a DUI conviction, drivers with bad credit, drivers with speeding tickets, drivers with accidents, good drivers, and young drivers.Auto Insurance Prices in and Around Horton
What Influences the Cost of Car Insurance in Horton?
On average, car insurance in Horton is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Horton is 28 minutes, which is about the national average for a driver in the state.
- Iowa state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Horton are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
- Horton is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Horton is $39 per month for minimum coverage and $100 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Plainfield: Insurance costs 0.25% less
- Bremer: Insurance costs 0.67% more
- Waverly: Insurance costs 0.50% less
- Frederika: Insurance costs 0.58% more
- Nashua: Insurance costs 2.49% more
- Republic: Insurance costs 0.33% more
- Clarksville: Insurance costs 0.25% less
- Packard: Insurance costs 0.75% more
- Tripoli: Insurance costs 1.16% more
- Shell Rock: Insurance costs 0.58% more
Cities with Similar Populations
- Greenville: Insurance costs 11.22% more
- Gills: Insurance costs 0.83% less
- Gladys: Insurance costs 35.25% more
- Glasgow: Insurance costs 37.99% more
- Glen Park: Insurance costs 70.49% more
- Wing: Insurance costs 21.78% more
- Glynn: Insurance costs 160.43% more
- Golinda: Insurance costs 32.50% more
- Goodridge: Insurance costs 30.76% more
- Goshen: Insurance costs 12.14% more