Cheapest Car Insurance Quotes in Buffalo Lake

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Buffalo Lake Car Insurance

^$ 21

/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 Buffalo Lake

The car insurance rate in Buffalo Lake is $831 for a six-month policy, which is $113 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $455, making it a popular choice for budget-conscious drivers. Rates in Buffalo Lake 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 Buffalo Lake

$831

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Buffalo Lake

1st place: Iowa Farm Bureau

At $455 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 $460 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $460 for six months, making it the third cheapest auto insurance company in Buffalo Lake.

Buffalo Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Buffalo Lake, MN is Iowa Farm Bureau, offering policies at just $455 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $460.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1495 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Buffalo Lake drivers find the best deals.

Cheap Car Insurance Companies in Buffalo Lake, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$455	$77
Auto-Owners Insurance Co	$460	$77
Westfield	$460	$78
American Family	$480	$81
West Bend Mutual	$596	$100
Travelers	$638	$107
Nationwide	$706	$120
USAA	$737	$124
AAA	$763	$128
Auto-Owners	$816	$137
West Bend	$878	$150
State Farm	$920	$155
Western National	$1186	$202
Allstate	$1244	$209
North Star Mutual	$1458	$248
Farmers	$1495	$249

Key Takeaways

Way's key takeaways about car insurance in Buffalo Lake

The auto insurance costs in Buffalo Lake fall around $455 for six months.
The cheapest auto insurance company in Buffalo Lake is Westfield.
Teen drivers pay the highest rate in Buffalo Lake at $898 per month.

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

Cheapest Minimum Liability Car Insurance in Buffalo Lake

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 Buffalo Lake are given below.

Westfield provides the cheapest minimum car insurance coverage in Buffalo Lake. Their Average 6 Month Premium is $126. Nationwide is the most expensive at $272 for the same period.

Cheapest Liability Coverage in Buffalo Lake, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$126	$21
West Bend Mutual	$178	$30
North Star Mutual Insurance	$194	$33
USAA	$209	$35
Auto-Owners Insurance Co	$219	$37
Iowa Farm Bureau	$219	$37
West Bend	$219	$37
Farmers Union Insurance	$224	$38
Auto-Owners	$230	$39
North Star Mutual	$230	$39
AAA	$256	$43
American Family	$256	$43
Travelers	$256	$43
State Farm	$277	$47
Western National	$293	$49
Allstate	$429	$72
Farmers	$606	$103
Nationwide	$272	$45

Cheapest Full Coverage Car Insurance in Buffalo Lake

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 Buffalo Lake is Iowa Farm Bureau at $77 per month and $455 for six months.

Cheapest Full Coverage Car Insurance Quotes in Buffalo Lake, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$455	$77
Auto-Owners Insurance Co	$460	$77
Westfield	$460	$78
American Family	$480	$81
West Bend Mutual	$596	$100
Travelers	$638	$107
Nationwide	$706	$120
USAA	$737	$124
AAA	$763	$128
Auto-Owners	$816	$137
West Bend	$878	$150
State Farm	$920	$155
Western National	$1186	$202
Allstate	$1244	$209
North Star Mutual	$1458	$248
Farmers	$1495	$249

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Average Car Insurance in Buffalo Lake 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 Buffalo Lake, MN increasing?

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

Car Insurance Premiums by Age in Buffalo Lake

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	$576
30s	Farm Bureau Mutual	$411
40s	Farm Bureau Mutual	$407
50s	Farm Bureau Mutual	$342
60s	Farm Bureau Mutual	$350
70s	Farm Bureau Mutual	$411

Cheapest Car Insurance Rates for Teen Drivers in Buffalo Lake,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Buffalo Lake at $26 per month. At $5389 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$151	$26
North Star Mutual Insurance	$209	$35
Auto-Owners Insurance Co	$224	$38
Iowa Farm Bureau	$230	$39
Farmers Union Insurance	$240	$40
Umialik	$298	$49
American Family	$816	$137
Travelers	$915	$154
Auto-Owners	$1197	$202
USAA	$1223	$206
State Farm	$1824	$307
AAA	$1840	$310
Allstate	$2932	$494
North Star Mutual	$3074	$512
Western National	$3419	$582
Farmers	$5389	$898

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 Buffalo Lake.

As young drivers face the highest rates in Buffalo Lake, Farm Bureau Mutual offers the cheapest auto insurance rates at $576 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 Buffalo Lake, West Bend Mutual is the cheapest car insurance provider. At $224 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 Buffalo Lake is State Farm, offering rates of around $5965 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$224	$38
Westfield	$277	$46
Farmers Union Insurance	$308	$53
Iowa Farm Bureau	$434	$72
American Family	$444	$76
USAA	$1453	$242
AAA	$1620	$273
Travelers	$2086	$348
North Star Mutual	$2415	$411
Auto-Owners	$2519	$420
Farmers	$2770	$471
Western National	$2896	$482
Allstate	$3471	$590
State Farm	$5965	$994

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

Car Insurance Rates with An Accident in Buffalo Lake

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

Cheapest Car Insurance Companies after an At-Fault Accident in Buffalo Lake

The cheapest car insurance companies after an at-fault accident in Buffalo Lake include Westfield and Umialik, offering $183 and $230, respectively. Nationwide is an expensive provider with an average six-month premium of $361.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$183	$31
Umialik	$230	$39
Iowa Farm Bureau	$282	$47
Auto-Owners Insurance Co	$298	$51
Farmers Union Insurance	$304	$50
West Bend Mutual	$308	$53
North Star Mutual Insurance	$356	$59
Encompass	$387	$66
American Family	$544	$92
Western National	$565	$95
Auto-Owners	$606	$102
State Farm	$627	$106
Travelers	$700	$118
USAA	$752	$127
AAA	$1192	$201
North Star Mutual	$1412	$238
Farmers	$2201	$367
Allstate	$2279	$384
Nationwide	$361	$60

Buffalo Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Buffalo Lake MN. For example, the car insurance in Buffalo Lake after a DUI increases to $962 for a six month policy. While the rate increases by $198 for a six-month policy in the case of a speeding ticket.

Buffalo Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$899	$150
One Med/PIP claim	$910	$155
Not-at-fault accident	$925	$154
One comp claim	$957	$163
Two Med/PIP claims	$957	$159
Two comp claims	$999	$170
Failure to wear a seat belt	$1024	$171
Failure to show documents	$1040	$177
Child safety restraint	$1056	$176
Driving without lights	$1056	$180
Driving with expired registration	$1077	$180
Cell phone violation	$1097	$187
Speeding 6 - 10 MPH over limit	$1097	$183
Texting while driving	$1097	$187
Following too closely	$1108	$185
Driving too slowly	$1113	$189
Failure to yield	$1113	$186
Illegal turn	$1113	$189
Speeding in school zone	$1113	$186
Wrong way/wrong lane	$1113	$189
Failure to stop at a red light	$1118	$187
Improper passing	$1118	$190
Speeding 11 - 15 MPH over limit	$1124	$187
Speeding 16 - 20 MPH over limit	$1134	$193
At-fault accident - less than $1000	$1161	$194
Passing school bus	$1161	$197
In 65 MPH zone	$1166	$194
Operating a vehicle without permission	$1171	$199
Speeding 21 - 25 MPH over limit	$1207	$202
At-fault accident - $1000-$2000	$1291	$219
Open container	$1296	$216
At-fault accident - greater than $2000	$1323	$225
Reckless driving	$1620	$270
Racing	$1673	$284
Driving with a suspended license	$1778	$297
Refusal to submit to a chemical test	$1798	$305
DUI	$1861	$310
Leaving scene of an accident/hit and run	$1929	$328

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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 Buffalo Lake 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 Buffalo Lake.

The cheapest car insurance premiums in Buffalo Lake are offered by Umialik at $230 for a six-month policy. However, it can be as expensive as $4176 with companies like AAA.

Buffalo Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$230	$39
West Bend Mutual	$240	$40
Farmers Union Insurance	$288	$48
Westfield	$324	$55
Iowa Farm Bureau	$423	$70
Country Financial	$450	$77
Auto-Owners Insurance Co	$480	$80
American Family	$507	$85
Western National	$716	$121
Travelers	$722	$121
State Farm	$920	$155
USAA	$994	$167
Auto-Owners	$1024	$172
Farmers	$2232	$379
Allstate	$2368	$399
North Star Mutual	$4171	$709
AAA	$4176	$696

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 Buffalo Lake are offered by Westfield at $151. However, it can be as expensive as $2619 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Buffalo Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$151	$26
Iowa Farm Bureau	$240	$40
West Bend Mutual	$240	$40
Auto-Owners Insurance Co	$251	$42
American Family	$267	$44
Farmers Union Insurance	$272	$47
State Farm	$575	$97
Western National	$716	$121
USAA	$758	$127
Auto-Owners	$836	$143
Travelers	$910	$151
North Star Mutual	$1458	$248
Farmers	$1876	$312
AAA	$1945	$331
Allstate	$2619	$436

Car Insurance Price Trends in Buffalo Lake, Minnesota

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

The average cost of full coverage in the Buffalo Lake rose by $189 in January compared to $156 of December. In other words, there has been an increase by $33 when you compare January and December.

The average cost of liability insurance in the Buffalo Lake rose to $45 in January, compared to $43 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Buffalo Lake?

The car insurance in Buffalo Lake is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Buffalo Lake?

The cheapest car insurance in Buffalo Lake is $77 per month for full coverage.

How much is car insurance in Buffalo Lake for teenagers?

Car insurance for teenagers costs $151 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 Buffalo Lake?

The average cost of car insurance is $944 for a six-month policy. It will cost around $140 per month to insure your car in Buffalo Lake.

Is car insurance expensive in Buffalo Lake?

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

Cheapest Car Insurance Quotes in Buffalo Lake

Why you can trust Way?

How Much Is Car Insurance in Buffalo Lake

Avg. Car Insurance in Buffalo Lake

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Buffalo Lake

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Buffalo Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Buffalo Lake, MN

Way's key takeaways about car insurance in Buffalo Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Buffalo Lake

Cheapest Liability Coverage in Buffalo Lake, MN

Cheapest Full Coverage Car Insurance in Buffalo Lake

Cheapest Full Coverage Car Insurance Quotes in Buffalo Lake, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Buffalo Lake by Rating Factor

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

Car Insurance Premiums by Age in Buffalo Lake

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Buffalo Lake,MN

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

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 Buffalo Lake

Cheapest Car Insurance Companies after an At-Fault Accident in Buffalo Lake

Buffalo Lake Car Insurance Rates by Violation

Buffalo Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Buffalo Lake after a DUI

Buffalo Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Buffalo Lake after Speeding ticket

Car Insurance Price Trends in Buffalo Lake, Minnesota

Average Car Insurance Cost in Buffalo Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Buffalo Lake, MN

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

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