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Cheapest Car Insurance Quotes in Birchwood Village
Finding the cheapest car insurance quotes in Birchwood Village 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.
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 Birchwood Village
The car insurance rate in Birchwood Village is $843 for a six-month policy, which is $40 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $449, making it a popular choice for budget-conscious drivers. Rates in Birchwood Village 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.
Cheapest Car Insurance Companies in Birchwood Village
1st place: AAA
At $449 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 $543 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 $549
for six months, making it
the third cheapest auto insurance company in Birchwood Village.
Birchwood Village Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Birchwood Village, MN is AAA, offering policies at just $449 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $543.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1628 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Birchwood Village drivers find the best deals.
Cheap Car Insurance Companies in Birchwood Village, MN
Way's key takeaways about car insurance in Birchwood Village
The auto insurance costs in Birchwood Village fall around $449 for six
months.
The cheapest auto insurance company in Birchwood Village is Westfield.
Teen drivers pay the highest rate in Birchwood Village at $983 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 Birchwood Village
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 Birchwood Village are given below.
Westfield provides
the cheapest minimum car insurance
coverage in Birchwood Village. Their Average 6 Month Premium is $150.
Nationwide is the most
expensive at $324 for the same
period.
Cheapest Liability Coverage in Birchwood Village, MN
Cheapest Full Coverage Car Insurance in Birchwood Village
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 Birchwood Village is AAA
at $77 per month and $449
for six months.
Cheapest Full Coverage Car Insurance Quotes in Birchwood Village,
MN
Get Your Car Insurance Quote in Birchwood Village
Instantly!
Average Car Insurance in Birchwood Village 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 Birchwood Village, MN increasing?
Despite maintaining a clean driving record, your car insurance rates
in Birchwood Village, 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, Birchwood Village's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Birchwood Village
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
$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
Cheapest Car Insurance Rates for Teen Drivers in
Birchwood Village,MN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Birchwood Village at $30
per
month. At $5894 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties Farm Bureau Mutual is
the best choice for car
insurance in Birchwood Village.
As young drivers face the highest rates in Birchwood Village, Farm Bureau Mutual
offers the cheapest auto insurance rates at $698 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 Birchwood Village,
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
Birchwood Village is State Farm, offering
rates of around $5401 for six
months.
Save up to $971/yr on car insurance rates in Birchwood Village.
Car Insurance Rates with An Accident in Birchwood Village
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 Birchwood Village, MN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Birchwood Village
The cheapest car insurance companies after an at-fault accident in
Birchwood Village include Westfield
and Umialik, offering $218
and $274,
respectively. Nationwide is an expensive provider
with an average six-month premium of
$431.
Birchwood Village Car Insurance Rates by
Violation
Here is a list of driving violations that can increase your car
insurance rates in Birchwood Village MN. For example, the car
insurance in Birchwood Village
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.
Birchwood Village auto insurance quotes by violations
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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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 Birchwood Village 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 Birchwood Village.
The cheapest car insurance premiums in
Birchwood Village are
offered by Umialik at $274 for a six-month policy.
However, it can be as
expensive as $2457 with companies
like Farmers.
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 Birchwood Village are offered by Westfield
at $181. However,
it can be as expensive as $2345
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Birchwood Village after Speeding ticket
Car Insurance Price Trends in Birchwood Village,
Minnesota
Car insurance rates in Birchwood Village have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Birchwood Village rose by
$186 in December
compared to $185 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 Birchwood Village remained steady at $51 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Birchwood Village by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Birchwood Village. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Birchwood Village?
The car insurance in Birchwood Village is $25 per month, which is lower than the national average.
What is the cheapest car insurance in Birchwood Village?
The cheapest car insurance in Birchwood Village
is $77 per month
for full coverage.
How much is car insurance in Birchwood Village 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
Birchwood Village?
The average cost of car insurance is $803 for a six-month
policy. It will cost around $141 per month to insure your
car in Birchwood Village.
Is car insurance expensive in Birchwood Village?
Car insurance can be expensive in Birchwood Village if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Birchwood Village can be
affordable.
What is the best car insurance in Birchwood Village,
MN?
The best car insurance company in Birchwood Village
MN is
AAA, offering $449 for a
six-month policy.
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Birchwood Village Car Insurance
