Cheapest Car Insurance Quotes in Columbia Heights

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Columbia Heights Car Insurance

^$ 29

/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 Columbia Heights

The car insurance rate in Columbia Heights is $1133 for a six-month policy, which is $189 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $620, making it a popular choice for budget-conscious drivers. Rates in Columbia Heights 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 Columbia Heights

$1133

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Columbia Heights

1st place: Iowa Farm Bureau

At $620 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 $628 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $628 for six months, making it the third cheapest auto insurance company in Columbia Heights.

Columbia Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Columbia Heights, MN is Iowa Farm Bureau, offering policies at just $620 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $628.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2039 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Columbia Heights drivers find the best deals.

Cheap Car Insurance Companies in Columbia Heights, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$620	$106
Auto-Owners Insurance Co	$628	$104
Westfield	$628	$107
American Family	$655	$110
West Bend Mutual	$812	$137
Travelers	$870	$146
Nationwide	$962	$163
USAA	$1006	$169
AAA	$1040	$175
Auto-Owners	$1112	$187
West Bend	$1198	$204
State Farm	$1254	$211
Western National	$1618	$275
Allstate	$1697	$286
North Star Mutual	$1988	$338
Farmers	$2039	$340

Key Takeaways

Way's key takeaways about car insurance in Columbia Heights

The auto insurance costs in Columbia Heights fall around $620 for six months.
The cheapest auto insurance company in Columbia Heights is Westfield.
Teen drivers pay the highest rate in Columbia Heights at $1225 per month.

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Cheapest Minimum Liability Car Insurance in Columbia Heights

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 Columbia Heights are given below.

Westfield provides the cheapest minimum car insurance coverage in Columbia Heights. Their Average 6 Month Premium is $172. Nationwide is the most expensive at $371 for the same period.

Cheapest Liability Coverage in Columbia Heights, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$172	$29
West Bend Mutual	$242	$41
North Star Mutual Insurance	$264	$44
USAA	$286	$48
Auto-Owners Insurance Co	$299	$50
Iowa Farm Bureau	$299	$50
West Bend	$299	$50
Farmers Union Insurance	$306	$52
Auto-Owners	$313	$53
North Star Mutual	$313	$53
AAA	$349	$59
American Family	$349	$59
Travelers	$349	$59
State Farm	$378	$64
Western National	$400	$67
Allstate	$584	$98
Farmers	$827	$140
Nationwide	$371	$61

Cheapest Full Coverage Car Insurance in Columbia Heights

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 Columbia Heights is Iowa Farm Bureau at $106 per month and $620 for six months.

Cheapest Full Coverage Car Insurance Quotes in Columbia Heights, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$620	$106
Auto-Owners Insurance Co	$628	$104
Westfield	$628	$107
American Family	$655	$110
West Bend Mutual	$812	$137
Travelers	$870	$146
Nationwide	$962	$163
USAA	$1006	$169
AAA	$1040	$175
Auto-Owners	$1112	$187
West Bend	$1198	$204
State Farm	$1254	$211
Western National	$1618	$275
Allstate	$1697	$286
North Star Mutual	$1988	$338
Farmers	$2039	$340

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Average Car Insurance in Columbia Heights 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 Columbia Heights, MN increasing?

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

Car Insurance Premiums by Age in Columbia Heights

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	$785
30s	Farm Bureau Mutual	$560
40s	Farm Bureau Mutual	$554
50s	Farm Bureau Mutual	$467
60s	Farm Bureau Mutual	$478
70s	Farm Bureau Mutual	$560

Cheapest Car Insurance Rates for Teen Drivers in Columbia Heights,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Columbia Heights at $35 per month. At $7349 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$206	$35
North Star Mutual Insurance	$286	$48
Auto-Owners Insurance Co	$306	$52
Iowa Farm Bureau	$313	$53
Farmers Union Insurance	$328	$55
Umialik	$407	$67
American Family	$1112	$187
Travelers	$1248	$210
Auto-Owners	$1632	$275
USAA	$1668	$281
State Farm	$2488	$419
AAA	$2509	$422
Allstate	$3998	$673
North Star Mutual	$4192	$698
Western National	$4662	$793
Farmers	$7349	$1225

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 Columbia Heights.

As young drivers face the highest rates in Columbia Heights, Farm Bureau Mutual offers the cheapest auto insurance rates at $785 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 Columbia Heights, West Bend Mutual is the cheapest car insurance provider. At $306 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 Columbia Heights is State Farm, offering rates of around $8134 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$306	$52
Westfield	$378	$62
Farmers Union Insurance	$420	$72
Iowa Farm Bureau	$592	$98
American Family	$606	$103
USAA	$1981	$330
AAA	$2209	$372
Travelers	$2844	$474
North Star Mutual	$3293	$560
Auto-Owners	$3436	$572
Farmers	$3778	$642
Western National	$3949	$658
Allstate	$4733	$805
State Farm	$8134	$1356

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Car Insurance Rates with An Accident in Columbia Heights

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

Cheapest Car Insurance Companies after an At-Fault Accident in Columbia Heights

The cheapest car insurance companies after an at-fault accident in Columbia Heights include Westfield and Umialik, offering $250 and $313, respectively. Nationwide is an expensive provider with an average six-month premium of $492.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$250	$42
Umialik	$313	$53
Iowa Farm Bureau	$385	$64
Auto-Owners Insurance Co	$407	$70
Farmers Union Insurance	$414	$68
West Bend Mutual	$420	$72
North Star Mutual Insurance	$485	$80
Encompass	$528	$90
American Family	$742	$125
Western National	$770	$130
Auto-Owners	$827	$139
State Farm	$856	$144
Travelers	$955	$161
USAA	$1026	$173
AAA	$1625	$274
North Star Mutual	$1925	$324
Farmers	$3001	$500
Allstate	$3108	$523
Nationwide	$492	$82

Columbia Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Columbia Heights MN. For example, the car insurance in Columbia Heights after a DUI increases to $1312 for a six month policy. While the rate increases by $270 for a six-month policy in the case of a speeding ticket.

Columbia Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1226	$204
One Med/PIP claim	$1241	$211
Not-at-fault accident	$1261	$210
One comp claim	$1304	$222
Two Med/PIP claims	$1304	$217
Two comp claims	$1362	$232
Failure to wear a seat belt	$1397	$233
Failure to show documents	$1418	$241
Child safety restraint	$1440	$240
Driving without lights	$1440	$245
Driving with expired registration	$1469	$245
Cell phone violation	$1496	$254
Speeding 6 - 10 MPH over limit	$1496	$250
Texting while driving	$1496	$254
Following too closely	$1511	$252
Driving too slowly	$1518	$258
Failure to yield	$1518	$253
Illegal turn	$1518	$258
Speeding in school zone	$1518	$253
Wrong way/wrong lane	$1518	$258
Failure to stop at a red light	$1525	$254
Improper passing	$1525	$259
Speeding 11 - 15 MPH over limit	$1532	$256
Speeding 16 - 20 MPH over limit	$1547	$263
At-fault accident - less than $1000	$1583	$264
Passing school bus	$1583	$269
In 65 MPH zone	$1590	$265
Operating a vehicle without permission	$1597	$271
Speeding 21 - 25 MPH over limit	$1646	$275
At-fault accident - $1000-$2000	$1760	$299
Open container	$1768	$295
At-fault accident - greater than $2000	$1804	$307
Reckless driving	$2209	$368
Racing	$2281	$388
Driving with a suspended license	$2424	$404
Refusal to submit to a chemical test	$2452	$416
DUI	$2538	$422
Leaving scene of an accident/hit and run	$2630	$448

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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 Columbia Heights 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 Columbia Heights.

The cheapest car insurance premiums in Columbia Heights are offered by Umialik at $313 for a six-month policy. However, it can be as expensive as $5695 with companies like AAA.

Columbia Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$313	$53
West Bend Mutual	$328	$55
Farmers Union Insurance	$392	$65
Westfield	$442	$76
Iowa Farm Bureau	$577	$96
Country Financial	$613	$104
Auto-Owners Insurance Co	$655	$109
American Family	$691	$116
Western National	$977	$164
Travelers	$984	$166
State Farm	$1254	$211
USAA	$1355	$228
Auto-Owners	$1397	$235
Farmers	$3043	$517
Allstate	$3229	$544
North Star Mutual	$5688	$967
AAA	$5695	$949

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 Columbia Heights are offered by Westfield at $206. However, it can be as expensive as $3571 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Columbia Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$206	$35
Iowa Farm Bureau	$328	$55
West Bend Mutual	$328	$55
Auto-Owners Insurance Co	$342	$58
American Family	$364	$60
Farmers Union Insurance	$371	$64
State Farm	$784	$132
Western National	$977	$164
USAA	$1033	$173
Auto-Owners	$1140	$194
Travelers	$1241	$206
North Star Mutual	$1988	$338
Farmers	$2558	$426
AAA	$2652	$451
Allstate	$3571	$595

Car Insurance Price Trends in Columbia Heights, Minnesota

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

The average cost of full coverage in the Columbia Heights rose by $258 in January compared to $212 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 Columbia Heights rose to $61 in January, compared to $59 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 Columbia Heights?

The car insurance in Columbia Heights is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Columbia Heights?

The cheapest car insurance in Columbia Heights is $106 per month for full coverage.

How much is car insurance in Columbia Heights for teenagers?

Car insurance for teenagers costs $206 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 Columbia Heights?

The average cost of car insurance is $944 for a six-month policy. It will cost around $191 per month to insure your car in Columbia Heights.

Is car insurance expensive in Columbia Heights?

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

Cheapest Car Insurance Quotes in Columbia Heights

Why you can trust Way?

How Much Is Car Insurance in Columbia Heights

Avg. Car Insurance in Columbia Heights

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Columbia Heights

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Columbia Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Columbia Heights, MN

Way's key takeaways about car insurance in Columbia Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Columbia Heights

Cheapest Liability Coverage in Columbia Heights, MN

Cheapest Full Coverage Car Insurance in Columbia Heights

Cheapest Full Coverage Car Insurance Quotes in Columbia Heights, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Columbia Heights by Rating Factor

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

Car Insurance Premiums by Age in Columbia Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Columbia Heights,MN

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

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 Columbia Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Columbia Heights

Columbia Heights Car Insurance Rates by Violation

Columbia Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Columbia Heights after a DUI

Columbia Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Columbia Heights after Speeding ticket

Car Insurance Price Trends in Columbia Heights, Minnesota

Average Car Insurance Cost in Columbia Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Columbia Heights, MN

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

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