Cheapest Car Insurance Quotes in Albert Lea

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Albert Lea Car Insurance

^$ 21

/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 Albert Lea

The car insurance rate in Albert Lea is $699 for a six-month policy, which is $104 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $372, making it a popular choice for budget-conscious drivers. Rates in Albert Lea 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 Albert Lea

$699

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Albert Lea

1st place: AAA

At $372 for a six month policy, AAA offers the cheapest auto insurance rates in the city.

2nd place: Iowa Farm Bureau

Iowa Farm Bureau offers auto insurance rates at $450 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $455 for six months, making it the third cheapest auto insurance company in Albert Lea.

Albert Lea Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Albert Lea, MN is AAA, offering policies at just $372 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $450.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1349 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Albert Lea drivers find the best deals.

Cheap Car Insurance Companies in Albert Lea, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$372	$64
Iowa Farm Bureau	$450	$75
Auto-Owners Insurance Co	$455	$77
Westfield	$455	$76
American Family	$553	$93
Travelers	$589	$99
West Bend Mutual	$589	$99
Nationwide	$698	$117
USAA	$708	$119
Auto-Owners	$765	$129
State Farm	$863	$145
West Bend	$868	$144
Allstate	$1070	$180
Farmers	$1349	$224

Key Takeaways

Way's key takeaways about car insurance in Albert Lea

The auto insurance costs in Albert Lea fall around $372 for six months.
The cheapest auto insurance company in Albert Lea is Westfield.
Teen drivers pay the highest rate in Albert Lea at $814 per month.

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Cheapest Minimum Liability Car Insurance in Albert Lea

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 Albert Lea are given below.

Westfield provides the cheapest minimum car insurance coverage in Albert Lea. Their Average 6 Month Premium is $124. Nationwide is the most expensive at $269 for the same period.

Cheapest Liability Coverage in Albert Lea, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$124	$21
West Bend Mutual	$176	$30
AAA	$181	$30
North Star Mutual	$191	$32
North Star Mutual Insurance	$191	$32
USAA	$191	$32
Auto-Owners	$217	$37
Auto-Owners Insurance Co	$217	$37
Iowa Farm Bureau	$217	$37
West Bend	$217	$37
Farmers Union Insurance	$222	$37
Travelers	$238	$40
American Family	$248	$42
State Farm	$248	$42
Western National	$264	$45
Allstate	$429	$72
Farmers	$605	$103
Nationwide	$269	$44

Cheapest Full Coverage Car Insurance in Albert Lea

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 Albert Lea is AAA at $64 per month and $372 for six months.

Cheapest Full Coverage Car Insurance Quotes in Albert Lea, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$372	$64
Iowa Farm Bureau	$450	$75
Auto-Owners Insurance Co	$455	$77
Westfield	$455	$76
American Family	$553	$93
Travelers	$589	$99
West Bend Mutual	$589	$99
Nationwide	$698	$117
USAA	$708	$119
Auto-Owners	$765	$129
State Farm	$863	$145
West Bend	$868	$144
Allstate	$1070	$180
Farmers	$1349	$224

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Average Car Insurance in Albert Lea 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 Albert Lea, MN increasing?

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

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

Car Insurance Premiums by Age in Albert Lea

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	Farm Bureau Mutual	$579
30s	Farm Bureau Mutual	$413
40s	Farm Bureau Mutual	$409
50s	Farm Bureau Mutual	$344
60s	Farm Bureau Mutual	$352
70s	Farm Bureau Mutual	$413

Cheapest Car Insurance Rates for Teen Drivers in Albert Lea,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Albert Lea at $25 per month. At $4883 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$150	$25
North Star Mutual Insurance	$207	$35
Auto-Owners Insurance Co	$222	$37
AAA	$227	$38
Iowa Farm Bureau	$227	$38
Farmers Union Insurance	$238	$40
Umialik	$295	$50
Travelers	$754	$127
Auto-Owners	$1085	$183
USAA	$1153	$194
American Family	$1395	$235
State Farm	$1675	$282
Allstate	$2806	$472
Farmers	$4883	$814

Teen Car Insurance Rates in MN by Age

Way Tip

If you are in your twenties Farm Bureau Mutual is the best choice for car insurance in Albert Lea.

As young drivers face the highest rates in Albert Lea, Farm Bureau Mutual offers the cheapest auto insurance rates at $579 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 Albert Lea, West Bend Mutual is the cheapest car insurance provider. At $222 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 Albert Lea is State Farm, offering rates of around $4475 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$222	$37
Westfield	$274	$45
Farmers Union Insurance	$305	$52
Iowa Farm Bureau	$429	$71
AAA	$485	$83
American Family	$930	$157
USAA	$1292	$220
Travelers	$1545	$258
Auto-Owners	$2093	$356
Farmers	$2558	$426
Allstate	$2894	$492
State Farm	$4475	$746

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Save up to $971/yr on car insurance rates in Albert Lea.

Car Insurance Rates with An Accident in Albert Lea

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 Albert Lea, MN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Albert Lea

The cheapest car insurance companies after an at-fault accident in Albert Lea include Westfield and Umialik, offering $181 and $227, respectively. Nationwide is an expensive provider with an average six-month premium of $357.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$181	$30
Umialik	$227	$38
Western National	$248	$42
Iowa Farm Bureau	$279	$48
Auto-Owners Insurance Co	$295	$49
Farmers Union Insurance	$300	$51
AAA	$305	$50
West Bend Mutual	$305	$52
North Star Mutual	$320	$53
North Star Mutual Insurance	$351	$60
Encompass	$383	$64
Auto-Owners	$553	$93
State Farm	$584	$98
Travelers	$615	$104
USAA	$708	$119
American Family	$858	$144
Allstate	$1871	$315
Farmers	$2011	$342
Nationwide	$357	$59

Albert Lea Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Albert Lea MN. For example, the car insurance in Albert Lea after a DUI increases to $951 for a six month policy. While the rate increases by $196 for a six-month policy in the case of a speeding ticket.

Albert Lea auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$889	$148
One Med/PIP claim	$900	$153
Not-at-fault accident	$914	$152
One comp claim	$946	$161
Two Med/PIP claims	$946	$157
Two comp claims	$987	$168
Failure to wear a seat belt	$1013	$169
Failure to show documents	$1028	$175
Child safety restraint	$1044	$174
Driving without lights	$1044	$177
Driving with expired registration	$1065	$177
Cell phone violation	$1085	$184
Speeding 6 - 10 MPH over limit	$1085	$181
Texting while driving	$1085	$184
Following too closely	$1095	$183
Driving too slowly	$1101	$187
Failure to yield	$1101	$184
Illegal turn	$1101	$187
Speeding in school zone	$1101	$184
Wrong way/wrong lane	$1101	$187
Failure to stop at a red light	$1106	$184
Improper passing	$1106	$188
Speeding 11 - 15 MPH over limit	$1111	$185
Speeding 16 - 20 MPH over limit	$1121	$191
At-fault accident - less than $1000	$1148	$191
Passing school bus	$1148	$195
In 65 MPH zone	$1153	$192
Operating a vehicle without permission	$1158	$197
Speeding 21 - 25 MPH over limit	$1194	$199
At-fault accident - $1000-$2000	$1276	$217
Open container	$1282	$214
At-fault accident - greater than $2000	$1308	$223
Reckless driving	$1602	$267
Racing	$1654	$281
Driving with a suspended license	$1757	$293
Refusal to submit to a chemical test	$1777	$302
DUI	$1840	$306
Leaving scene of an accident/hit and run	$1907	$325

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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 Albert Lea 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 Albert Lea.

The cheapest car insurance premiums in Albert Lea are offered by Umialik at $227 for a six-month policy. However, it can be as expensive as $2036 with companies like Farmers.

Albert Lea car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$227	$38
West Bend Mutual	$238	$40
Western National	$238	$40
Farmers Union Insurance	$284	$49
Westfield	$320	$53
Iowa Farm Bureau	$418	$71
Country Financial	$445	$74
Auto-Owners Insurance Co	$475	$81
Travelers	$646	$109
State Farm	$687	$116
American Family	$775	$131
Auto-Owners	$920	$155
USAA	$935	$157
Allstate	$1928	$325
Farmers	$2036	$339

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 Albert Lea are offered by Westfield at $150. However, it can be as expensive as $1943 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Albert Lea after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$150	$25
Iowa Farm Bureau	$238	$40
West Bend Mutual	$238	$40
Western National	$238	$40
Auto-Owners Insurance Co	$248	$42
Farmers Union Insurance	$269	$46
State Farm	$485	$82
American Family	$559	$94
USAA	$661	$110
Auto-Owners	$672	$114
Travelers	$693	$116
Farmers	$1690	$287
Allstate	$1943	$324

Car Insurance Price Trends in Albert Lea, Minnesota

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

The average cost of full coverage in the Albert Lea rose by $154 in December compared to $153 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Albert Lea remained steady at $43 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Albert Lea?

The car insurance in Albert Lea is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Albert Lea?

The cheapest car insurance in Albert Lea is $64 per month for full coverage.

How much is car insurance in Albert Lea for teenagers?

Car insurance for teenagers costs $150 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 Albert Lea?

The average cost of car insurance is $803 for a six-month policy. It will cost around $117 per month to insure your car in Albert Lea.

Is car insurance expensive in Albert Lea?

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

Cheapest Car Insurance Quotes in Albert Lea

Why you can trust Way?

How Much Is Car Insurance in Albert Lea

Avg. Car Insurance in Albert Lea

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Albert Lea

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

Albert Lea Car Insurance Rates by Company

Cheap Car Insurance Companies in Albert Lea, MN

Way's key takeaways about car insurance in Albert Lea

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Albert Lea

Cheapest Liability Coverage in Albert Lea, MN

Cheapest Full Coverage Car Insurance in Albert Lea

Cheapest Full Coverage Car Insurance Quotes in Albert Lea, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Albert Lea by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Albert Lea, MN increasing?

Car Insurance Premiums by Age in Albert Lea

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Albert Lea,MN

If you are in your twenties Farm Bureau Mutual is the best choice for car insurance in Albert Lea.

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 Albert Lea

Cheapest Car Insurance Companies after an At-Fault Accident in Albert Lea

Albert Lea Car Insurance Rates by Violation

Albert Lea auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Albert Lea after a DUI

Albert Lea car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Albert Lea after Speeding ticket

Car Insurance Price Trends in Albert Lea, Minnesota

Average Car Insurance Cost in Albert Lea by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Albert Lea, MN

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

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