Cheapest Car Insurance Quotes in Bethel

Finding the cheapest car insurance quotes in Bethel shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Bethel Car Insurance

^$ 26

/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 Bethel

The car insurance rate in Bethel is $1038 for a six-month policy, which is $94 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $569, making it a popular choice for budget-conscious drivers. Rates in Bethel 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 Bethel

$1038

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Bethel

1st place: Iowa Farm Bureau

At $569 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 $575 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $575 for six months, making it the third cheapest auto insurance company in Bethel.

Bethel Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bethel, MN is Iowa Farm Bureau, offering policies at just $569 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $575.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1869 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bethel drivers find the best deals.

Cheap Car Insurance Companies in Bethel, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$569	$97
Auto-Owners Insurance Co	$575	$96
Westfield	$575	$98
American Family	$601	$101
West Bend Mutual	$745	$125
Travelers	$798	$134
Nationwide	$882	$150
USAA	$922	$155
AAA	$954	$161
Auto-Owners	$1020	$172
West Bend	$1098	$187
State Farm	$1150	$194
Western National	$1483	$252
Allstate	$1555	$262
North Star Mutual	$1823	$310
Farmers	$1869	$311

Key Takeaways

Way's key takeaways about car insurance in Bethel

The auto insurance costs in Bethel fall around $569 for six months.
The cheapest auto insurance company in Bethel is Westfield.
Teen drivers pay the highest rate in Bethel at $1123 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Bethel

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 Bethel are given below.

Westfield provides the cheapest minimum car insurance coverage in Bethel. Their Average 6 Month Premium is $157. Nationwide is the most expensive at $340 for the same period.

Cheapest Liability Coverage in Bethel, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$157	$26
West Bend Mutual	$222	$37
North Star Mutual Insurance	$242	$41
USAA	$262	$44
Auto-Owners Insurance Co	$274	$46
Iowa Farm Bureau	$274	$46
West Bend	$274	$46
Farmers Union Insurance	$281	$47
Auto-Owners	$287	$48
North Star Mutual	$287	$48
AAA	$320	$54
American Family	$320	$54
Travelers	$320	$54
State Farm	$347	$58
Western National	$366	$62
Allstate	$536	$90
Farmers	$758	$129
Nationwide	$340	$56

Cheapest Full Coverage Car Insurance in Bethel

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 Bethel is Iowa Farm Bureau at $97 per month and $569 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bethel, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$569	$97
Auto-Owners Insurance Co	$575	$96
Westfield	$575	$98
American Family	$601	$101
West Bend Mutual	$745	$125
Travelers	$798	$134
Nationwide	$882	$150
USAA	$922	$155
AAA	$954	$161
Auto-Owners	$1020	$172
West Bend	$1098	$187
State Farm	$1150	$194
Western National	$1483	$252
Allstate	$1555	$262
North Star Mutual	$1823	$310
Farmers	$1869	$311

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Bethel Instantly!

Average Car Insurance in Bethel 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 Bethel, MN increasing?

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

Car Insurance Premiums by Age in Bethel

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	$719
30s	Farm Bureau Mutual	$514
40s	Farm Bureau Mutual	$508
50s	Farm Bureau Mutual	$428
60s	Farm Bureau Mutual	$438
70s	Farm Bureau Mutual	$514

Cheapest Car Insurance Rates for Teen Drivers in Bethel,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Bethel at $32 per month. At $6736 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$189	$32
North Star Mutual Insurance	$262	$44
Auto-Owners Insurance Co	$281	$47
Iowa Farm Bureau	$287	$48
Farmers Union Insurance	$300	$51
Umialik	$373	$62
American Family	$1020	$172
Travelers	$1144	$193
Auto-Owners	$1496	$252
USAA	$1529	$257
State Farm	$2280	$384
AAA	$2300	$387
Allstate	$3665	$617
North Star Mutual	$3842	$640
Western National	$4274	$727
Farmers	$6736	$1123

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 Bethel.

As young drivers face the highest rates in Bethel, Farm Bureau Mutual offers the cheapest auto insurance rates at $719 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 Bethel, West Bend Mutual is the cheapest car insurance provider. At $281 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 Bethel is State Farm, offering rates of around $7456 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$281	$47
Westfield	$347	$57
Farmers Union Insurance	$385	$66
Iowa Farm Bureau	$542	$90
American Family	$556	$95
USAA	$1816	$303
AAA	$2025	$341
Travelers	$2607	$435
North Star Mutual	$3018	$514
Auto-Owners	$3149	$525
Farmers	$3463	$589
Western National	$3620	$603
Allstate	$4338	$738
State Farm	$7456	$1243

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Bethel

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

Cheapest Car Insurance Companies after an At-Fault Accident in Bethel

The cheapest car insurance companies after an at-fault accident in Bethel include Westfield and Umialik, offering $229 and $287, respectively. Nationwide is an expensive provider with an average six-month premium of $451.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$229	$39
Umialik	$287	$48
Iowa Farm Bureau	$353	$58
Auto-Owners Insurance Co	$373	$64
Farmers Union Insurance	$380	$63
West Bend Mutual	$385	$66
North Star Mutual Insurance	$444	$74
Encompass	$484	$83
American Family	$680	$114
Western National	$706	$119
Auto-Owners	$758	$128
State Farm	$784	$132
Travelers	$876	$147
USAA	$941	$158
AAA	$1489	$251
North Star Mutual	$1764	$297
Farmers	$2751	$459
Allstate	$2849	$480
Nationwide	$451	$75

Bethel Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bethel MN. For example, the car insurance in Bethel after a DUI increases to $1203 for a six month policy. While the rate increases by $248 for a six-month policy in the case of a speeding ticket.

Bethel auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1124	$187
One Med/PIP claim	$1137	$194
Not-at-fault accident	$1156	$193
One comp claim	$1196	$204
Two Med/PIP claims	$1196	$199
Two comp claims	$1249	$212
Failure to wear a seat belt	$1280	$213
Failure to show documents	$1300	$221
Child safety restraint	$1320	$220
Driving without lights	$1320	$224
Driving with expired registration	$1346	$224
Cell phone violation	$1372	$233
Speeding 6 - 10 MPH over limit	$1372	$229
Texting while driving	$1372	$233
Following too closely	$1385	$231
Driving too slowly	$1392	$237
Failure to yield	$1392	$232
Illegal turn	$1392	$237
Speeding in school zone	$1392	$232
Wrong way/wrong lane	$1392	$237
Failure to stop at a red light	$1398	$233
Improper passing	$1398	$238
Speeding 11 - 15 MPH over limit	$1405	$234
Speeding 16 - 20 MPH over limit	$1418	$241
At-fault accident - less than $1000	$1451	$242
Passing school bus	$1451	$246
In 65 MPH zone	$1458	$243
Operating a vehicle without permission	$1464	$249
Speeding 21 - 25 MPH over limit	$1509	$252
At-fault accident - $1000-$2000	$1614	$274
Open container	$1620	$271
At-fault accident - greater than $2000	$1653	$282
Reckless driving	$2025	$338
Racing	$2091	$355
Driving with a suspended license	$2222	$371
Refusal to submit to a chemical test	$2247	$382
DUI	$2327	$387
Leaving scene of an accident/hit and run	$2411	$410

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Bethel 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 Bethel.

The cheapest car insurance premiums in Bethel are offered by Umialik at $287 for a six-month policy. However, it can be as expensive as $5221 with companies like AAA.

Bethel car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$287	$48
West Bend Mutual	$300	$51
Farmers Union Insurance	$360	$59
Westfield	$405	$69
Iowa Farm Bureau	$529	$88
Country Financial	$562	$96
Auto-Owners Insurance Co	$601	$100
American Family	$634	$107
Western National	$895	$151
Travelers	$902	$152
State Farm	$1150	$194
USAA	$1242	$209
Auto-Owners	$1280	$216
Farmers	$2790	$474
Allstate	$2960	$498
North Star Mutual	$5214	$887
AAA	$5221	$870

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 Bethel are offered by Westfield at $189. However, it can be as expensive as $3274 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Bethel after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$189	$32
Iowa Farm Bureau	$300	$51
West Bend Mutual	$300	$51
Auto-Owners Insurance Co	$314	$53
American Family	$333	$55
Farmers Union Insurance	$340	$58
State Farm	$718	$121
Western National	$895	$151
USAA	$947	$158
Auto-Owners	$1045	$178
Travelers	$1137	$189
North Star Mutual	$1823	$310
Farmers	$2345	$391
AAA	$2431	$414
Allstate	$3274	$546

Car Insurance Price Trends in Bethel, Minnesota

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

The average cost of full coverage in the Bethel rose by $237 in January compared to $195 of December. In other words, there has been an increase by $42 when you compare January and December.

The average cost of liability insurance in the Bethel rose to $56 in January, compared to $54 in December. This represents an increase of $2 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Bethel?

The car insurance in Bethel is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Bethel?

The cheapest car insurance in Bethel is $97 per month for full coverage.

How much is car insurance in Bethel for teenagers?

Car insurance for teenagers costs $189 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 Bethel?

The average cost of car insurance is $944 for a six-month policy. It will cost around $175 per month to insure your car in Bethel.

Is car insurance expensive in Bethel?

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

Cheapest Car Insurance Quotes in Bethel

Why you can trust Way?

How Much Is Car Insurance in Bethel

Avg. Car Insurance in Bethel

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Bethel

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Bethel Car Insurance Rates by Company

Cheap Car Insurance Companies in Bethel, MN

Way's key takeaways about car insurance in Bethel

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bethel

Cheapest Liability Coverage in Bethel, MN

Cheapest Full Coverage Car Insurance in Bethel

Cheapest Full Coverage Car Insurance Quotes in Bethel, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bethel by Rating Factor

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

Car Insurance Premiums by Age in Bethel

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bethel,MN

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

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 Bethel

Cheapest Car Insurance Companies after an At-Fault Accident in Bethel

Bethel Car Insurance Rates by Violation

Bethel auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bethel after a DUI

Bethel car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bethel after Speeding ticket

Car Insurance Price Trends in Bethel, Minnesota

Average Car Insurance Cost in Bethel by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bethel, MN

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

Featured Blogs

Data Sources