Cheapest Car Insurance Quotes in Apple Valley

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Apple Valley Car Insurance

^$ 24

/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 Apple Valley

The car insurance rate in Apple Valley is $953 for a six-month policy, which is $9 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $522, making it a popular choice for budget-conscious drivers. Rates in Apple Valley 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 Apple Valley

$953

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Apple Valley

1st place: Iowa Farm Bureau

At $522 for a six month policy, Iowa Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $528 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $528 for six months, making it the third cheapest auto insurance company in Apple Valley.

Apple Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Apple Valley, MN is Iowa Farm Bureau, offering policies at just $522 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $528.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1716 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Apple Valley drivers find the best deals.

Cheap Car Insurance Companies in Apple Valley, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$522	$89
Auto-Owners Insurance Co	$528	$88
Westfield	$528	$90
American Family	$551	$93
West Bend Mutual	$684	$115
Travelers	$732	$123
Nationwide	$810	$137
USAA	$846	$142
AAA	$876	$147
Auto-Owners	$936	$158
West Bend	$1008	$172
State Farm	$1055	$178
Western National	$1361	$231
Allstate	$1428	$240
North Star Mutual	$1674	$285
Farmers	$1716	$286

Key Takeaways

Way's key takeaways about car insurance in Apple Valley

The auto insurance costs in Apple Valley fall around $522 for six months.
The cheapest auto insurance company in Apple Valley is Westfield.
Teen drivers pay the highest rate in Apple Valley at $1031 per month.

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Cheapest Minimum Liability Car Insurance in Apple Valley

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 Apple Valley are given below.

Westfield provides the cheapest minimum car insurance coverage in Apple Valley. Their Average 6 Month Premium is $144. Nationwide is the most expensive at $312 for the same period.

Cheapest Liability Coverage in Apple Valley, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$144	$24
West Bend Mutual	$204	$34
North Star Mutual Insurance	$222	$37
USAA	$240	$40
Auto-Owners Insurance Co	$251	$42
Iowa Farm Bureau	$251	$42
West Bend	$251	$42
Farmers Union Insurance	$258	$43
Auto-Owners	$264	$44
North Star Mutual	$264	$44
AAA	$294	$49
American Family	$294	$49
Travelers	$294	$49
State Farm	$318	$54
Western National	$336	$57
Allstate	$492	$83
Farmers	$696	$118
Nationwide	$312	$52

Cheapest Full Coverage Car Insurance in Apple Valley

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 Apple Valley is Iowa Farm Bureau at $89 per month and $522 for six months.

Cheapest Full Coverage Car Insurance Quotes in Apple Valley, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$522	$89
Auto-Owners Insurance Co	$528	$88
Westfield	$528	$90
American Family	$551	$93
West Bend Mutual	$684	$115
Travelers	$732	$123
Nationwide	$810	$137
USAA	$846	$142
AAA	$876	$147
Auto-Owners	$936	$158
West Bend	$1008	$172
State Farm	$1055	$178
Western National	$1361	$231
Allstate	$1428	$240
North Star Mutual	$1674	$285
Farmers	$1716	$286

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Average Car Insurance in Apple Valley 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 Apple Valley, MN increasing?

Despite maintaining a clean driving record, your car insurance rates in Apple Valley, 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, Apple Valley's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Apple Valley

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	$661
30s	Farm Bureau Mutual	$472
40s	Farm Bureau Mutual	$467
50s	Farm Bureau Mutual	$393
60s	Farm Bureau Mutual	$402
70s	Farm Bureau Mutual	$472

Cheapest Car Insurance Rates for Teen Drivers in Apple Valley,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Apple Valley at $29 per month. At $6185 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$174	$29
North Star Mutual Insurance	$240	$40
Auto-Owners Insurance Co	$258	$43
Iowa Farm Bureau	$264	$44
Farmers Union Insurance	$276	$46
Umialik	$342	$57
American Family	$936	$158
Travelers	$1050	$177
Auto-Owners	$1374	$231
USAA	$1404	$236
State Farm	$2094	$352
AAA	$2112	$356
Allstate	$3365	$567
North Star Mutual	$3528	$588
Western National	$3924	$668
Farmers	$6185	$1031

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 Apple Valley.

As young drivers face the highest rates in Apple Valley, Farm Bureau Mutual offers the cheapest auto insurance rates at $661 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 Apple Valley, West Bend Mutual is the cheapest car insurance provider. At $258 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 Apple Valley is State Farm, offering rates of around $6846 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$258	$43
Westfield	$318	$53
Farmers Union Insurance	$354	$61
Iowa Farm Bureau	$498	$83
American Family	$510	$87
USAA	$1668	$278
AAA	$1859	$313
Travelers	$2394	$399
North Star Mutual	$2771	$472
Auto-Owners	$2892	$482
Farmers	$3179	$540
Western National	$3324	$553
Allstate	$3983	$678
State Farm	$6846	$1141

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Car Insurance Rates with An Accident in Apple Valley

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 Apple Valley, MN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Apple Valley

The cheapest car insurance companies after an at-fault accident in Apple Valley include Westfield and Umialik, offering $210 and $264, respectively. Nationwide is an expensive provider with an average six-month premium of $414.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$210	$35
Umialik	$264	$44
Iowa Farm Bureau	$324	$54
Auto-Owners Insurance Co	$342	$59
Farmers Union Insurance	$348	$58
West Bend Mutual	$354	$61
North Star Mutual Insurance	$408	$68
Encompass	$444	$76
American Family	$624	$105
Western National	$648	$109
Auto-Owners	$696	$117
State Farm	$720	$121
Travelers	$804	$135
USAA	$864	$145
AAA	$1368	$230
North Star Mutual	$1620	$273
Farmers	$2526	$421
Allstate	$2616	$440
Nationwide	$414	$69

Apple Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Apple Valley MN. For example, the car insurance in Apple Valley after a DUI increases to $1104 for a six month policy. While the rate increases by $227 for a six-month policy in the case of a speeding ticket.

Apple Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1032	$172
One Med/PIP claim	$1044	$178
Not-at-fault accident	$1062	$177
One comp claim	$1098	$187
Two Med/PIP claims	$1098	$183
Two comp claims	$1146	$195
Failure to wear a seat belt	$1176	$196
Failure to show documents	$1194	$203
Child safety restraint	$1212	$202
Driving without lights	$1212	$206
Driving with expired registration	$1236	$206
Cell phone violation	$1259	$214
Speeding 6 - 10 MPH over limit	$1259	$210
Texting while driving	$1259	$214
Following too closely	$1272	$212
Driving too slowly	$1278	$217
Failure to yield	$1278	$213
Illegal turn	$1278	$217
Speeding in school zone	$1278	$213
Wrong way/wrong lane	$1278	$217
Failure to stop at a red light	$1284	$214
Improper passing	$1284	$218
Speeding 11 - 15 MPH over limit	$1290	$215
Speeding 16 - 20 MPH over limit	$1302	$221
At-fault accident - less than $1000	$1332	$222
Passing school bus	$1332	$226
In 65 MPH zone	$1338	$223
Operating a vehicle without permission	$1344	$228
Speeding 21 - 25 MPH over limit	$1386	$231
At-fault accident - $1000-$2000	$1482	$251
Open container	$1488	$248
At-fault accident - greater than $2000	$1518	$259
Reckless driving	$1859	$310
Racing	$1920	$326
Driving with a suspended license	$2040	$340
Refusal to submit to a chemical test	$2063	$350
DUI	$2136	$356
Leaving scene of an accident/hit and run	$2214	$377

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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 Apple Valley 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 Apple Valley.

The cheapest car insurance premiums in Apple Valley are offered by Umialik at $264 for a six-month policy. However, it can be as expensive as $4793 with companies like AAA.

Apple Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$264	$44
West Bend Mutual	$276	$46
Farmers Union Insurance	$330	$55
Westfield	$372	$64
Iowa Farm Bureau	$486	$81
Country Financial	$516	$88
Auto-Owners Insurance Co	$551	$92
American Family	$582	$98
Western National	$822	$138
Travelers	$828	$139
State Farm	$1055	$178
USAA	$1140	$192
Auto-Owners	$1176	$198
Farmers	$2561	$435
Allstate	$2718	$458
North Star Mutual	$4787	$814
AAA	$4793	$799

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 Apple Valley are offered by Westfield at $174. However, it can be as expensive as $3006 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Apple Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$174	$29
Iowa Farm Bureau	$276	$46
West Bend Mutual	$276	$46
Auto-Owners Insurance Co	$288	$48
American Family	$306	$51
Farmers Union Insurance	$312	$54
State Farm	$660	$111
Western National	$822	$138
USAA	$870	$145
Auto-Owners	$960	$164
Travelers	$1044	$174
North Star Mutual	$1674	$285
Farmers	$2153	$359
AAA	$2232	$380
Allstate	$3006	$501

Car Insurance Price Trends in Apple Valley, Minnesota

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

The average cost of full coverage in the Apple Valley rose by $217 in January compared to $179 of December. In other words, there has been an increase by $38 when you compare January and December.

The average cost of liability insurance in the Apple Valley rose to $52 in January, compared to $49 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Apple Valley?

The car insurance in Apple Valley is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Apple Valley?

The cheapest car insurance in Apple Valley is $89 per month for full coverage.

How much is car insurance in Apple Valley for teenagers?

Car insurance for teenagers costs $174 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 Apple Valley?

The average cost of car insurance is $944 for a six-month policy. It will cost around $161 per month to insure your car in Apple Valley.

Is car insurance expensive in Apple Valley?

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

Cheapest Car Insurance Quotes in Apple Valley

Why you can trust Way?

How Much Is Car Insurance in Apple Valley

Avg. Car Insurance in Apple Valley

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Apple Valley

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Apple Valley Car Insurance Rates by Company

Cheap Car Insurance Companies in Apple Valley, MN

Way's key takeaways about car insurance in Apple Valley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Apple Valley

Cheapest Liability Coverage in Apple Valley, MN

Cheapest Full Coverage Car Insurance in Apple Valley

Cheapest Full Coverage Car Insurance Quotes in Apple Valley, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Apple Valley by Rating Factor

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

Car Insurance Premiums by Age in Apple Valley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Apple Valley,MN

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

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 Apple Valley

Cheapest Car Insurance Companies after an At-Fault Accident in Apple Valley

Apple Valley Car Insurance Rates by Violation

Apple Valley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Apple Valley after a DUI

Apple Valley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Apple Valley after Speeding ticket

Car Insurance Price Trends in Apple Valley, Minnesota

Average Car Insurance Cost in Apple Valley by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Apple Valley, MN

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

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