Howard drivers pay an average of $1,423/year — $348 less than the national average. With 222 crashes per year and a 2.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $223/year.
(888) 217-6781Estimated full coverage auto insurance rates for Howard, WI from top carriers. Rates are adjusted for Howard's 222 annual crashes, 2.0 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $540 | $90/mo |
| Rural Mutual | $567 | $95/mo |
| Progressive | $605 | $101/mo |
| American Family | $638 | $106/mo |
| State Farm | $665 | $111/mo |
Estimates based on 2026 rate filings for ZIP 54303. GEICO is cheapest at ~$90/mo. Actual rates vary by driver profile and exact Howard location.
These Howard-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Howard, WI. Takes under 2 minutes.
(888) 217-6781Howard is a smaller city in Wisconsin with a population of 19,950. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as blizzards, severe thunderstorms, tornadoes, ice, lake-effect snow, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Howard.
For official Wisconsin insurance regulations, visit the Wisconsin OCI. For driver licensing, see the Wisconsin DMV.
Your specific ZIP code within Howard can swing your premium by hundreds of dollars. Here's how rates compare across Howard neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 54318 | Howard South Side | $1,320/yr | $110/mo |
| 54306 | Howard North Side | $1,363/yr | $114/mo |
| 54307 | Howard West Side | $1,381/yr | $115/mo |
| 54311 | Howard East Side | $1,451/yr | $121/mo |
| 54303 | Howard Downtown/Central | $1,552/yr | $129/mo |
The cheapest ZIP is 54318 (Howard South Side) at $1,320/yr. The most expensive is 54303 (Howard Downtown/Central) at $1,552/yr — a $232/year difference for the same driver.
Your Howard ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Howard. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $2,988/yr | $249/mo | +110% vs avg |
| Young Adult (20-25) | $1,992/yr | $166/mo | +40% vs avg |
| Adult (26-35) | $1,423/yr | $119/mo | 0% vs avg |
| Mid-Career (36-50) | $1,252/yr | $104/mo | -12% vs avg |
| Senior (51-65) | $1,181/yr | $98/mo | -17% vs avg |
| 65+ | $1,266/yr | $106/mo | -11% vs avg |
Teens in Howard pay an average of $2,988/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,181/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Wisconsin cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Howard drivers can save up to $223/year. ZIP 54318 (Howard South Side) has the lowest rates starting at $1,320/yr.
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