Cheapest Car Insurance Quotes in Brooklyn Center

Finding the cheapest car insurance quotes in Brooklyn Center 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

399,755 Policies Sold

Brooklyn Center Car Insurance

^$ 31

/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 Brooklyn Center

The car insurance rate in Brooklyn Center is $1052 for a six-month policy, which is $249 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $561, making it a popular choice for budget-conscious drivers. Rates in Brooklyn Center 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 Brooklyn Center

$1052

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Brooklyn Center

1st place: AAA

At $561 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 $677 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 $685 for six months, making it the third cheapest auto insurance company in Brooklyn Center.

Brooklyn Center Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Brooklyn Center, MN is AAA, offering policies at just $561 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $677.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2031 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Brooklyn Center drivers find the best deals.

Cheap Car Insurance Companies in Brooklyn Center, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$561	$96
Iowa Farm Bureau	$677	$113
Auto-Owners Insurance Co	$685	$117
Westfield	$685	$114
American Family	$833	$140
Travelers	$887	$149
West Bend Mutual	$887	$149
Nationwide	$1051	$176
USAA	$1066	$179
Auto-Owners	$1151	$194
State Farm	$1300	$219
West Bend	$1307	$217
Allstate	$1611	$271
Farmers	$2031	$338

Key Takeaways

Way's key takeaways about car insurance in Brooklyn Center

The auto insurance costs in Brooklyn Center fall around $561 for six months.
The cheapest auto insurance company in Brooklyn Center is Westfield.
Teen drivers pay the highest rate in Brooklyn Center at $1226 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 Brooklyn Center

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 Brooklyn Center are given below.

Westfield provides the cheapest minimum car insurance coverage in Brooklyn Center. Their Average 6 Month Premium is $187. Nationwide is the most expensive at $405 for the same period.

Cheapest Liability Coverage in Brooklyn Center, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$187	$31
West Bend Mutual	$265	$45
AAA	$272	$46
North Star Mutual	$288	$48
North Star Mutual Insurance	$288	$48
USAA	$288	$48
Auto-Owners	$326	$55
Auto-Owners Insurance Co	$326	$55
Iowa Farm Bureau	$326	$55
West Bend	$326	$55
Farmers Union Insurance	$334	$56
Travelers	$358	$60
American Family	$373	$63
State Farm	$373	$63
Western National	$397	$68
Allstate	$646	$109
Farmers	$910	$155
Nationwide	$405	$67

Cheapest Full Coverage Car Insurance in Brooklyn Center

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 Brooklyn Center is AAA at $96 per month and $561 for six months.

Cheapest Full Coverage Car Insurance Quotes in Brooklyn Center, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$561	$96
Iowa Farm Bureau	$677	$113
Auto-Owners Insurance Co	$685	$117
Westfield	$685	$114
American Family	$833	$140
Travelers	$887	$149
West Bend Mutual	$887	$149
Nationwide	$1051	$176
USAA	$1066	$179
Auto-Owners	$1151	$194
State Farm	$1300	$219
West Bend	$1307	$217
Allstate	$1611	$271
Farmers	$2031	$338

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Brooklyn Center Instantly!

Average Car Insurance in Brooklyn Center 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 Brooklyn Center, MN increasing?

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

Car Insurance Premiums by Age in Brooklyn Center

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	$871
30s	Farm Bureau Mutual	$622
40s	Farm Bureau Mutual	$616
50s	Farm Bureau Mutual	$517
60s	Farm Bureau Mutual	$531
70s	Farm Bureau Mutual	$622

Cheapest Car Insurance Rates for Teen Drivers in Brooklyn Center,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Brooklyn Center at $38 per month. At $7353 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$225	$38
North Star Mutual Insurance	$312	$52
Auto-Owners Insurance Co	$334	$56
AAA	$342	$58
Iowa Farm Bureau	$342	$58
Farmers Union Insurance	$358	$60
Umialik	$444	$76
Travelers	$1136	$191
Auto-Owners	$1634	$275
USAA	$1736	$292
American Family	$2101	$354
State Farm	$2522	$424
Allstate	$4225	$711
Farmers	$7353	$1226

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 Brooklyn Center.

As young drivers face the highest rates in Brooklyn Center, Farm Bureau Mutual offers the cheapest auto insurance rates at $871 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 Brooklyn Center, West Bend Mutual is the cheapest car insurance provider. At $334 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 Brooklyn Center is State Farm, offering rates of around $6739 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$334	$56
Westfield	$413	$68
Farmers Union Insurance	$459	$79
Iowa Farm Bureau	$646	$107
AAA	$731	$124
American Family	$1400	$236
USAA	$1945	$331
Travelers	$2327	$388
Auto-Owners	$3152	$536
Farmers	$3851	$642
Allstate	$4357	$741
State Farm	$6739	$1123

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Brooklyn Center

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

Cheapest Car Insurance Companies after an At-Fault Accident in Brooklyn Center

The cheapest car insurance companies after an at-fault accident in Brooklyn Center include Westfield and Umialik, offering $272 and $342, respectively. Nationwide is an expensive provider with an average six-month premium of $537.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$272	$46
Umialik	$342	$58
Western National	$373	$63
Iowa Farm Bureau	$421	$72
Auto-Owners Insurance Co	$444	$73
Farmers Union Insurance	$452	$77
AAA	$459	$76
West Bend Mutual	$459	$79
North Star Mutual	$482	$80
North Star Mutual Insurance	$529	$90
Encompass	$576	$96
Auto-Owners	$833	$140
State Farm	$879	$148
Travelers	$926	$156
USAA	$1066	$179
American Family	$1292	$217
Allstate	$2817	$474
Farmers	$3027	$515
Nationwide	$537	$89

Brooklyn Center Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Brooklyn Center MN. For example, the car insurance in Brooklyn Center after a DUI increases to $1432 for a six month policy. While the rate increases by $295 for a six-month policy in the case of a speeding ticket.

Brooklyn Center auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1339	$223
One Med/PIP claim	$1355	$231
Not-at-fault accident	$1377	$229
One comp claim	$1424	$242
Two Med/PIP claims	$1424	$237
Two comp claims	$1487	$253
Failure to wear a seat belt	$1525	$254
Failure to show documents	$1548	$263
Child safety restraint	$1572	$262
Driving without lights	$1572	$267
Driving with expired registration	$1603	$267
Cell phone violation	$1634	$278
Speeding 6 - 10 MPH over limit	$1634	$272
Texting while driving	$1634	$278
Following too closely	$1649	$275
Driving too slowly	$1657	$282
Failure to yield	$1657	$276
Illegal turn	$1657	$282
Speeding in school zone	$1657	$276
Wrong way/wrong lane	$1657	$282
Failure to stop at a red light	$1665	$278
Improper passing	$1665	$283
Speeding 11 - 15 MPH over limit	$1673	$279
Speeding 16 - 20 MPH over limit	$1689	$287
At-fault accident - less than $1000	$1728	$288
Passing school bus	$1728	$293
In 65 MPH zone	$1736	$290
Operating a vehicle without permission	$1744	$296
Speeding 21 - 25 MPH over limit	$1797	$300
At-fault accident - $1000-$2000	$1922	$326
Open container	$1930	$322
At-fault accident - greater than $2000	$1969	$335
Reckless driving	$2412	$402
Racing	$2490	$423
Driving with a suspended license	$2646	$441
Refusal to submit to a chemical test	$2676	$455
DUI	$2771	$461
Leaving scene of an accident/hit and run	$2872	$489

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 Brooklyn Center 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 Brooklyn Center.

The cheapest car insurance premiums in Brooklyn Center are offered by Umialik at $342 for a six-month policy. However, it can be as expensive as $3065 with companies like Farmers.

Brooklyn Center car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$342	$58
West Bend Mutual	$358	$60
Western National	$358	$60
Farmers Union Insurance	$428	$73
Westfield	$482	$80
Iowa Farm Bureau	$630	$107
Country Financial	$669	$111
Auto-Owners Insurance Co	$715	$122
Travelers	$973	$164
State Farm	$1035	$174
American Family	$1167	$197
Auto-Owners	$1385	$233
USAA	$1408	$237
Allstate	$2903	$489
Farmers	$3065	$511

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 Brooklyn Center are offered by Westfield at $225. However, it can be as expensive as $2925 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Brooklyn Center after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$225	$38
Iowa Farm Bureau	$358	$60
West Bend Mutual	$358	$60
Western National	$358	$60
Auto-Owners Insurance Co	$373	$63
Farmers Union Insurance	$405	$69
State Farm	$731	$123
American Family	$841	$141
USAA	$996	$166
Auto-Owners	$1011	$172
Travelers	$1043	$174
Farmers	$2544	$432
Allstate	$2925	$487

Car Insurance Price Trends in Brooklyn Center, Minnesota

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

The average cost of full coverage in the Brooklyn Center rose by $232 in December compared to $231 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 Brooklyn Center remained steady at $64 in both December and November, indicating no change over the two month period.

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 Brooklyn Center?

The car insurance in Brooklyn Center is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Brooklyn Center?

The cheapest car insurance in Brooklyn Center is $96 per month for full coverage.

How much is car insurance in Brooklyn Center for teenagers?

Car insurance for teenagers costs $225 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 Brooklyn Center?

The average cost of car insurance is $803 for a six-month policy. It will cost around $176 per month to insure your car in Brooklyn Center.

Is car insurance expensive in Brooklyn Center?

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

Cheapest Car Insurance Quotes in Brooklyn Center

Why you can trust Way?

How Much Is Car Insurance in Brooklyn Center

Avg. Car Insurance in Brooklyn Center

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Brooklyn Center

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

Brooklyn Center Car Insurance Rates by Company

Cheap Car Insurance Companies in Brooklyn Center, MN

Way's key takeaways about car insurance in Brooklyn Center

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Brooklyn Center

Cheapest Liability Coverage in Brooklyn Center, MN

Cheapest Full Coverage Car Insurance in Brooklyn Center

Cheapest Full Coverage Car Insurance Quotes in Brooklyn Center, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Brooklyn Center by Rating Factor

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

Car Insurance Premiums by Age in Brooklyn Center

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Brooklyn Center,MN

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

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 Brooklyn Center

Cheapest Car Insurance Companies after an At-Fault Accident in Brooklyn Center

Brooklyn Center Car Insurance Rates by Violation

Brooklyn Center auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Brooklyn Center after a DUI

Brooklyn Center car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Brooklyn Center after Speeding ticket

Car Insurance Price Trends in Brooklyn Center, Minnesota

Average Car Insurance Cost in Brooklyn Center by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Brooklyn Center, MN

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

Featured Blogs

Data Sources