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Backus Car Insurance
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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.
The car insurance rate in the Backus is $835, which is $40 higher than the state average. AAA offers the cheapest insurance rates in the city at $449 for a six-month policy.
$835
$795
$1146
At $449 for a six month policy, AAA offers the cheapest auto insurance rates in the city.
Iowa Farm Bureau offers auto insurance rates at $543 for a six-month policy, making it one of the cheapest to insure with.
AutoOwners Insurance Co offers auto insurance rates at $549 for six months, making it the third cheapest auto insurance company in Backus.
Based on our research, the cheapest car insurance companies in Backus MN include AAA, offering $449 for a six-month policy. This is followed by Iowa Farm Bureau, with an average six-month premium of $543. Farmers is the most expensive, at $1628.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| AAA | $449 | $77 |
| Iowa Farm Bureau | $543 | $90 |
| Auto-Owners Insurance Co | $549 | $93 |
| Westfield | $549 | $91 |
| American Family | $668 | $112 |
| Travelers | $705 | $119 |
| West Bend Mutual | $711 | $120 |
| Nationwide | $761 | $127 |
| USAA | $855 | $144 |
| Auto-Owners | $898 | $151 |
| State Farm | $1048 | $176 |
| West Bend | $1061 | $176 |
| Allstate | $1273 | $214 |
| Farmers | $1628 | $271 |
Save up to $971/yr with our auto insurance quotes
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 Backus are given below.
Westfield provides the cheapest minimum car insurance coverage in Backus. Their Average 6 Month Premium is $150. Farmers is the most expensive at $730 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $150 | $25 |
| West Bend Mutual | $212 | $36 |
| AAA | $218 | $37 |
| North Star Mutual | $231 | $39 |
| North Star Mutual Insurance | $231 | $39 |
| USAA | $231 | $39 |
| Auto-Owners | $256 | $43 |
| Auto-Owners Insurance Co | $261 | $44 |
| Iowa Farm Bureau | $261 | $44 |
| Farmers Union Insurance | $268 | $45 |
| West Bend | $280 | $47 |
| Travelers | $287 | $48 |
| American Family | $299 | $50 |
| State Farm | $306 | $51 |
| Western National | $318 | $55 |
| Nationwide | $324 | $54 |
| Allstate | $605 | $102 |
| Farmers | $730 | $122 |
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 Backus is AAA at $77 per month and $449 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| AAA | $449 | $77 |
| Iowa Farm Bureau | $543 | $90 |
| Auto-Owners Insurance Co | $549 | $93 |
| Westfield | $549 | $91 |
| American Family | $668 | $112 |
| Travelers | $705 | $119 |
| West Bend Mutual | $711 | $120 |
| Nationwide | $761 | $127 |
| USAA | $855 | $144 |
| Auto-Owners | $898 | $151 |
| State Farm | $1048 | $176 |
| West Bend | $1061 | $176 |
| Allstate | $1273 | $214 |
| Farmers | $1628 | $271 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Backus, 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, Backus's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | Farm Bureau Mutual | $698 |
| 30s | Farm Bureau Mutual | $499 |
| 40s | Farm Bureau Mutual | $494 |
| 50s | Farm Bureau Mutual | $415 |
| 60s | Farm Bureau Mutual | $425 |
| 70s | Farm Bureau Mutual | $499 |
If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Backus at $30 per month. At $5894 for a six-month premium, Farmers offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $181 | $30 |
| North Star Mutual Insurance | $250 | $42 |
| Auto-Owners Insurance Co | $268 | $45 |
| AAA | $274 | $46 |
| Iowa Farm Bureau | $274 | $46 |
| Farmers Union Insurance | $287 | $48 |
| Umialik | $356 | $59 |
| Travelers | $910 | $153 |
| Auto-Owners | $1309 | $221 |
| USAA | $1391 | $234 |
| American Family | $1684 | $284 |
| State Farm | $2021 | $340 |
| Allstate | $3386 | $570 |
| Farmers | $5894 | $1002 |
Teen Car Insurance Rates in MN by Age
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.
For those with poor credit scores in Backus, West Bend Mutual is the cheapest car insurance provider. At $268 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 Backus is State Farm, offering rates of around $5401 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| West Bend Mutual | $268 | $45 |
| Westfield | $331 | $55 |
| Farmers Union Insurance | $368 | $63 |
| Iowa Farm Bureau | $518 | $86 |
| AAA | $586 | $100 |
| American Family | $1122 | $189 |
| USAA | $1559 | $266 |
| Travelers | $1865 | $311 |
| Auto-Owners | $2526 | $429 |
| Farmers | $3087 | $515 |
| Allstate | $3492 | $594 |
| State Farm | $5401 | $900 |
Save up to $971/yr on car insurance rates in Backus.
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 Backus, MN, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Backus include Westfield and Umialik, offering $218 and $274, respectively. Farmers is an expensive provider with an average six-month premium of $2427.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $218 | $37 |
| Umialik | $274 | $46 |
| Western National | $299 | $50 |
| Iowa Farm Bureau | $337 | $58 |
| Auto-Owners Insurance Co | $356 | $59 |
| Farmers Union Insurance | $362 | $62 |
| AAA | $368 | $61 |
| West Bend Mutual | $368 | $63 |
| North Star Mutual | $386 | $64 |
| North Star Mutual Insurance | $424 | $72 |
| Nationwide | $431 | $71 |
| Encompass | $462 | $79 |
| Auto-Owners | $662 | $111 |
| State Farm | $698 | $118 |
| Travelers | $742 | $125 |
| USAA | $855 | $144 |
| American Family | $1035 | $174 |
| Allstate | $2258 | $380 |
| Farmers | $2427 | $413 |
Here is a list of driving violations that can increase your car insurance rates in Backus MN. For example, the car insurance in Backus after a DUI increases to $1148 for a six month policy. While the rate increases by $236 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1073 | $179 |
| One Med/PIP claim | $1086 | $185 |
| Not-at-fault accident | $1104 | $184 |
| One comp claim | $1141 | $194 |
| Two Med/PIP claims | $1141 | $190 |
| Two comp claims | $1192 | $203 |
| Failure to wear a seat belt | $1222 | $204 |
| Failure to show documents | $1241 | $211 |
| Child safety restraint | $1260 | $210 |
| Driving without lights | $1260 | $214 |
| Driving with expired registration | $1285 | $214 |
| Cell phone violation | $1309 | $223 |
| Speeding 6 - 10 MPH over limit | $1309 | $218 |
| Texting while driving | $1309 | $223 |
| Following too closely | $1322 | $221 |
| Driving too slowly | $1328 | $226 |
| Failure to yield | $1328 | $222 |
| Illegal turn | $1328 | $226 |
| Speeding in school zone | $1328 | $222 |
| Wrong way/wrong lane | $1328 | $226 |
| Failure to stop at a red light | $1335 | $223 |
| Improper passing | $1335 | $227 |
| Speeding 11 - 15 MPH over limit | $1341 | $224 |
| Speeding 16 - 20 MPH over limit | $1353 | $230 |
| At-fault accident - less than $1000 | $1385 | $231 |
| Passing school bus | $1385 | $235 |
| In 65 MPH zone | $1391 | $232 |
| Operating a vehicle without permission | $1398 | $237 |
| Speeding 21 - 25 MPH over limit | $1441 | $240 |
| At-fault accident - $1000-$2000 | $1540 | $261 |
| Open container | $1547 | $258 |
| At-fault accident - greater than $2000 | $1578 | $269 |
| Reckless driving | $1933 | $322 |
| Racing | $1996 | $339 |
| Driving with a suspended license | $2121 | $354 |
| Refusal to submit to a chemical test | $2145 | $364 |
| DUI | $2221 | $370 |
| Leaving scene of an accident/hit and run | $2302 | $392 |
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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.
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 Backus.
The cheapest car insurance premiums in Backus are offered by Umialik at $274 for a six-month policy. However, it can be as expensive as $2457 with companies like Farmers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Umialik | $274 | $46 |
| West Bend Mutual | $287 | $48 |
| Western National | $287 | $48 |
| Farmers Union Insurance | $343 | $59 |
| Westfield | $386 | $64 |
| Iowa Farm Bureau | $505 | $86 |
| Country Financial | $537 | $89 |
| Auto-Owners Insurance Co | $573 | $98 |
| Travelers | $780 | $131 |
| State Farm | $830 | $140 |
| American Family | $936 | $158 |
| Auto-Owners | $1110 | $187 |
| USAA | $1129 | $190 |
| Allstate | $2327 | $392 |
| Farmers | $2457 | $410 |
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 Backus are offered by Westfield at $181. However, it can be as expensive as $2345 with companies like Allstate for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $181 | $30 |
| Iowa Farm Bureau | $287 | $48 |
| West Bend Mutual | $287 | $48 |
| Western National | $287 | $48 |
| Auto-Owners Insurance Co | $299 | $50 |
| Farmers Union Insurance | $324 | $54 |
| State Farm | $586 | $99 |
| American Family | $674 | $113 |
| USAA | $798 | $135 |
| Auto-Owners | $811 | $135 |
| Travelers | $836 | $142 |
| Farmers | $2039 | $340 |
| Allstate | $2345 | $399 |
Car insurance rates in Backus have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Backus dipped by $185 in August compared to $187 of July. In other words, there has been an decrease by $2 when you compare August and July.
The average cost of liability insurance in the Backus dipped to $51 in August, compared to $55 in July. This represents an decrease of $4 when comparing August and July.
How much is car insurance in Backus?
The car insurance in Backus is $25 per month, which is lower than the national average.
What is the cheapest car insurance in Backus?
The cheapest car insurance in Backus is $77 per month for full coverage.
How much is car insurance in Backus for teenagers?
Car insurance for teenagers costs $181 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 Backus?
The average cost of car insurance is $795 for a six-month policy. It will cost around $140 per month to insure your car in Backus.
Is car insurance expensive in Backus?
Car insurance can be expensive in Backus if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Backus can be affordable.
What is the best car insurance in Backus, MN?
The best car insurance company in Backus MN is AAA, offering $449 for a six-month policy.
Cut auto insurance costs in Backus right now.