Cheapest Car Insurance Quotes in Brooklyn Center

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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 $1237 for a six-month policy, which is $293 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $677, 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

$1237

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Brooklyn Center

1st place: Iowa Farm Bureau

At $677 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 $685 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield 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 Iowa Farm Bureau, offering policies at just $677 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $685.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2226 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
Iowa Farm Bureau	$677	$115
Auto-Owners Insurance Co	$685	$114
Westfield	$685	$117
American Family	$715	$121
West Bend Mutual	$887	$149
Travelers	$950	$160
Nationwide	$1051	$178
USAA	$1098	$185
AAA	$1136	$191
Auto-Owners	$1214	$204
West Bend	$1307	$223
State Farm	$1369	$231
Western National	$1766	$300
Allstate	$1852	$312
North Star Mutual	$2171	$369
Farmers	$2226	$371

Key Takeaways

Way's key takeaways about car insurance in Brooklyn Center

The auto insurance costs in Brooklyn Center fall around $677 for six months.
The cheapest auto insurance company in Brooklyn Center is Westfield.
Teen drivers pay the highest rate in Brooklyn Center at $1338 per month.

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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
North Star Mutual Insurance	$288	$48
USAA	$312	$52
Auto-Owners Insurance Co	$326	$55
Iowa Farm Bureau	$326	$55
West Bend	$326	$55
Farmers Union Insurance	$334	$56
Auto-Owners	$342	$58
North Star Mutual	$342	$58
AAA	$381	$64
American Family	$381	$64
Travelers	$381	$64
State Farm	$413	$69
Western National	$436	$73
Allstate	$638	$107
Farmers	$903	$153
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 Iowa Farm Bureau at $115 per month and $677 for six months.

Cheapest Full Coverage Car Insurance Quotes in Brooklyn Center, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$677	$115
Auto-Owners Insurance Co	$685	$114
Westfield	$685	$117
American Family	$715	$121
West Bend Mutual	$887	$149
Travelers	$950	$160
Nationwide	$1051	$178
USAA	$1098	$185
AAA	$1136	$191
Auto-Owners	$1214	$204
West Bend	$1307	$223
State Farm	$1369	$231
Western National	$1766	$300
Allstate	$1852	$312
North Star Mutual	$2171	$369
Farmers	$2226	$371

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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	$857
30s	Farm Bureau Mutual	$612
40s	Farm Bureau Mutual	$605
50s	Farm Bureau Mutual	$510
60s	Farm Bureau Mutual	$521
70s	Farm Bureau Mutual	$612

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 $8022 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
Iowa Farm Bureau	$342	$58
Farmers Union Insurance	$358	$60
Umialik	$444	$73
American Family	$1214	$204
Travelers	$1362	$229
Auto-Owners	$1782	$300
USAA	$1821	$307
State Farm	$2716	$457
AAA	$2739	$461
Allstate	$4365	$735
North Star Mutual	$4576	$762
Western National	$5089	$866
Farmers	$8022	$1338

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 $857 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 $8879 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
American Family	$662	$113
USAA	$2163	$360
AAA	$2412	$406
Travelers	$3105	$517
North Star Mutual	$3595	$612
Auto-Owners	$3751	$625
Farmers	$4124	$701
Western National	$4311	$718
Allstate	$5167	$879
State Farm	$8879	$1480

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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
Iowa Farm Bureau	$421	$69
Auto-Owners Insurance Co	$444	$76
Farmers Union Insurance	$452	$75
West Bend Mutual	$459	$79
North Star Mutual Insurance	$529	$88
Encompass	$576	$98
American Family	$810	$136
Western National	$841	$141
Auto-Owners	$903	$152
State Farm	$934	$157
Travelers	$1043	$176
USAA	$1120	$189
AAA	$1774	$299
North Star Mutual	$2101	$354
Farmers	$3276	$546
Allstate	$3393	$571
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

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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 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 $6217 with companies like AAA.

Brooklyn Center car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$342	$58
West Bend Mutual	$358	$60
Farmers Union Insurance	$428	$71
Westfield	$482	$83
Iowa Farm Bureau	$630	$105
Country Financial	$669	$114
Auto-Owners Insurance Co	$715	$119
American Family	$755	$127
Western National	$1066	$179
Travelers	$1074	$181
State Farm	$1369	$231
USAA	$1479	$249
Auto-Owners	$1525	$257
Farmers	$3322	$565
Allstate	$3525	$593
North Star Mutual	$6209	$1056
AAA	$6217	$1036

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 $3899 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
Auto-Owners Insurance Co	$373	$63
American Family	$397	$66
Farmers Union Insurance	$405	$69
State Farm	$855	$144
Western National	$1066	$179
USAA	$1128	$189
Auto-Owners	$1245	$212
Travelers	$1355	$225
North Star Mutual	$2171	$369
Farmers	$2793	$465
AAA	$2895	$493
Allstate	$3899	$650

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 $282 in January compared to $232 of December. In other words, there has been an increase by $50 when you compare January and December.

The average cost of liability insurance in the Brooklyn Center rose to $67 in January, compared to $64 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 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 $115 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 $944 for a six-month policy. It will cost around $208 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: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

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)

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Data Sources