Cheapest Car Insurance Quotes in Brooklyn Park

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Brooklyn Park Car Insurance

^$ 30

/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 Park

The car insurance rate in Brooklyn Park is $1161 for a six-month policy, which is $217 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $636, making it a popular choice for budget-conscious drivers. Rates in Brooklyn Park 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 Park

$1161

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Brooklyn Park

1st place: Iowa Farm Bureau

At $636 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 $643 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $643 for six months, making it the third cheapest auto insurance company in Brooklyn Park.

Brooklyn Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Brooklyn Park, MN is Iowa Farm Bureau, offering policies at just $636 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $643.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2090 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Brooklyn Park drivers find the best deals.

Cheap Car Insurance Companies in Brooklyn Park, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$636	$108
Auto-Owners Insurance Co	$643	$107
Westfield	$643	$109
American Family	$672	$113
West Bend Mutual	$833	$140
Travelers	$892	$150
Nationwide	$986	$167
USAA	$1031	$173
AAA	$1066	$180
Auto-Owners	$1140	$192
West Bend	$1228	$209
State Farm	$1285	$216
Western National	$1658	$282
Allstate	$1739	$293
North Star Mutual	$2038	$347
Farmers	$2090	$348

Key Takeaways

Way's key takeaways about car insurance in Brooklyn Park

The auto insurance costs in Brooklyn Park fall around $636 for six months.
The cheapest auto insurance company in Brooklyn Park is Westfield.
Teen drivers pay the highest rate in Brooklyn Park at $1256 per month.

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Cheapest Minimum Liability Car Insurance in Brooklyn Park

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 Park are given below.

Westfield provides the cheapest minimum car insurance coverage in Brooklyn Park. Their Average 6 Month Premium is $176. Nationwide is the most expensive at $380 for the same period.

Cheapest Liability Coverage in Brooklyn Park, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$176	$30
West Bend Mutual	$248	$42
North Star Mutual Insurance	$271	$46
USAA	$293	$49
Auto-Owners Insurance Co	$306	$52
Iowa Farm Bureau	$306	$52
West Bend	$306	$52
Farmers Union Insurance	$314	$53
Auto-Owners	$321	$54
North Star Mutual	$321	$54
AAA	$358	$60
American Family	$358	$60
Travelers	$358	$60
State Farm	$387	$65
Western National	$410	$69
Allstate	$599	$101
Farmers	$847	$144
Nationwide	$380	$63

Cheapest Full Coverage Car Insurance in Brooklyn Park

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 Park is Iowa Farm Bureau at $108 per month and $636 for six months.

Cheapest Full Coverage Car Insurance Quotes in Brooklyn Park, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$636	$108
Auto-Owners Insurance Co	$643	$107
Westfield	$643	$109
American Family	$672	$113
West Bend Mutual	$833	$140
Travelers	$892	$150
Nationwide	$986	$167
USAA	$1031	$173
AAA	$1066	$180
Auto-Owners	$1140	$192
West Bend	$1228	$209
State Farm	$1285	$216
Western National	$1658	$282
Allstate	$1739	$293
North Star Mutual	$2038	$347
Farmers	$2090	$348

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Average Car Insurance in Brooklyn Park 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 Park, MN increasing?

Despite maintaining a clean driving record, your car insurance rates in Brooklyn Park, 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 Park'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 Park

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	$804
30s	Farm Bureau Mutual	$574
40s	Farm Bureau Mutual	$568
50s	Farm Bureau Mutual	$478
60s	Farm Bureau Mutual	$490
70s	Farm Bureau Mutual	$574

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

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Brooklyn Park at $36 per month. At $7533 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$212	$36
North Star Mutual Insurance	$293	$49
Auto-Owners Insurance Co	$314	$53
Iowa Farm Bureau	$321	$54
Farmers Union Insurance	$336	$57
Umialik	$417	$69
American Family	$1140	$192
Travelers	$1279	$215
Auto-Owners	$1673	$282
USAA	$1710	$288
State Farm	$2550	$429
AAA	$2572	$433
Allstate	$4098	$690
North Star Mutual	$4296	$716
Western National	$4779	$813
Farmers	$7533	$1256

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 Park.

As young drivers face the highest rates in Brooklyn Park, Farm Bureau Mutual offers the cheapest auto insurance rates at $804 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 Park, West Bend Mutual is the cheapest car insurance provider. At $314 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 Park is State Farm, offering rates of around $8337 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$314	$53
Westfield	$387	$64
Farmers Union Insurance	$431	$74
Iowa Farm Bureau	$606	$101
American Family	$621	$106
USAA	$2031	$338
AAA	$2264	$381
Travelers	$2915	$486
North Star Mutual	$3375	$574
Auto-Owners	$3521	$587
Farmers	$3872	$658
Western National	$4048	$674
Allstate	$4851	$825
State Farm	$8337	$1390

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Car Insurance Rates with An Accident in Brooklyn Park

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

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

The cheapest car insurance companies after an at-fault accident in Brooklyn Park include Westfield and Umialik, offering $256 and $321, respectively. Nationwide is an expensive provider with an average six-month premium of $504.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$256	$43
Umialik	$321	$54
Iowa Farm Bureau	$395	$65
Auto-Owners Insurance Co	$417	$71
Farmers Union Insurance	$424	$70
West Bend Mutual	$431	$74
North Star Mutual Insurance	$497	$82
Encompass	$541	$92
American Family	$760	$128
Western National	$790	$133
Auto-Owners	$847	$143
State Farm	$877	$148
Travelers	$979	$165
USAA	$1052	$177
AAA	$1665	$280
North Star Mutual	$1973	$332
Farmers	$3076	$513
Allstate	$3186	$536
Nationwide	$504	$84

Brooklyn Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Brooklyn Park MN. For example, the car insurance in Brooklyn Park after a DUI increases to $1344 for a six month policy. While the rate increases by $277 for a six-month policy in the case of a speeding ticket.

Brooklyn Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1257	$209
One Med/PIP claim	$1272	$216
Not-at-fault accident	$1293	$215
One comp claim	$1337	$228
Two Med/PIP claims	$1337	$223
Two comp claims	$1396	$237
Failure to wear a seat belt	$1432	$239
Failure to show documents	$1454	$247
Child safety restraint	$1476	$246
Driving without lights	$1476	$251
Driving with expired registration	$1506	$251
Cell phone violation	$1534	$261
Speeding 6 - 10 MPH over limit	$1534	$256
Texting while driving	$1534	$261
Following too closely	$1549	$258
Driving too slowly	$1556	$264
Failure to yield	$1556	$260
Illegal turn	$1556	$264
Speeding in school zone	$1556	$260
Wrong way/wrong lane	$1556	$264
Failure to stop at a red light	$1563	$261
Improper passing	$1563	$266
Speeding 11 - 15 MPH over limit	$1571	$262
Speeding 16 - 20 MPH over limit	$1585	$269
At-fault accident - less than $1000	$1622	$271
Passing school bus	$1622	$276
In 65 MPH zone	$1630	$272
Operating a vehicle without permission	$1637	$278
Speeding 21 - 25 MPH over limit	$1688	$282
At-fault accident - $1000-$2000	$1804	$306
Open container	$1812	$303
At-fault accident - greater than $2000	$1849	$315
Reckless driving	$2264	$378
Racing	$2338	$397
Driving with a suspended license	$2485	$415
Refusal to submit to a chemical test	$2513	$427
DUI	$2601	$433
Leaving scene of an accident/hit and run	$2696	$459

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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 Park 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 Park.

The cheapest car insurance premiums in Brooklyn Park are offered by Umialik at $321 for a six-month policy. However, it can be as expensive as $5838 with companies like AAA.

Brooklyn Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$321	$54
West Bend Mutual	$336	$57
Farmers Union Insurance	$402	$66
Westfield	$453	$77
Iowa Farm Bureau	$592	$98
Country Financial	$629	$107
Auto-Owners Insurance Co	$672	$112
American Family	$708	$119
Western National	$1001	$169
Travelers	$1009	$170
State Farm	$1285	$216
USAA	$1389	$234
Auto-Owners	$1432	$241
Farmers	$3119	$530
Allstate	$3310	$557
North Star Mutual	$5830	$991
AAA	$5838	$973

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 Park are offered by Westfield at $212. However, it can be as expensive as $3660 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Brooklyn Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$212	$36
Iowa Farm Bureau	$336	$57
West Bend Mutual	$336	$57
Auto-Owners Insurance Co	$351	$59
American Family	$373	$62
Farmers Union Insurance	$380	$65
State Farm	$803	$135
Western National	$1001	$169
USAA	$1059	$177
Auto-Owners	$1169	$199
Travelers	$1272	$212
North Star Mutual	$2038	$347
Farmers	$2622	$437
AAA	$2718	$462
Allstate	$3660	$610

Car Insurance Price Trends in Brooklyn Park, Minnesota

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

The average cost of full coverage in the Brooklyn Park rose by $264 in January compared to $218 of December. In other words, there has been an increase by $46 when you compare January and December.

The average cost of liability insurance in the Brooklyn Park rose to $63 in January, compared to $60 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 Park?

The car insurance in Brooklyn Park is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Brooklyn Park?

The cheapest car insurance in Brooklyn Park is $108 per month for full coverage.

How much is car insurance in Brooklyn Park for teenagers?

Car insurance for teenagers costs $212 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 Park?

The average cost of car insurance is $944 for a six-month policy. It will cost around $196 per month to insure your car in Brooklyn Park.

Is car insurance expensive in Brooklyn Park?

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

Cheapest Car Insurance Quotes in Brooklyn Park

Why you can trust Way?

How Much Is Car Insurance in Brooklyn Park

Avg. Car Insurance in Brooklyn Park

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Brooklyn Park

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Brooklyn Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Brooklyn Park, MN

Way's key takeaways about car insurance in Brooklyn Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Brooklyn Park

Cheapest Liability Coverage in Brooklyn Park, MN

Cheapest Full Coverage Car Insurance in Brooklyn Park

Cheapest Full Coverage Car Insurance Quotes in Brooklyn Park, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Brooklyn Park by Rating Factor

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

Car Insurance Premiums by Age in Brooklyn Park

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Park

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

Brooklyn Park Car Insurance Rates by Violation

Brooklyn Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Brooklyn Park after a DUI

Brooklyn Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Brooklyn Park after Speeding ticket

Car Insurance Price Trends in Brooklyn Park, Minnesota

Average Car Insurance Cost in Brooklyn Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Brooklyn Park, MN

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

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