Cheapest Car Insurance Quotes in Cottage Grove

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Cottage Grove Car Insurance

^$ 24

/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 Cottage Grove

The car insurance rate in Cottage Grove is $811 for a six-month policy, which is $8 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $432, making it a popular choice for budget-conscious drivers. Rates in Cottage Grove 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 Cottage Grove

$811

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Cottage Grove

1st place: AAA

At $432 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 $522 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 $528 for six months, making it the third cheapest auto insurance company in Cottage Grove.

Cottage Grove Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cottage Grove, MN is AAA, offering policies at just $432 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $522.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1566 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cottage Grove drivers find the best deals.

Cheap Car Insurance Companies in Cottage Grove, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$432	$74
Iowa Farm Bureau	$522	$87
Auto-Owners Insurance Co	$528	$90
Westfield	$528	$88
American Family	$642	$108
Travelers	$684	$115
West Bend Mutual	$684	$115
Nationwide	$810	$135
USAA	$822	$138
Auto-Owners	$888	$149
State Farm	$1002	$169
West Bend	$1008	$168
Allstate	$1242	$209
Farmers	$1566	$261

Key Takeaways

Way's key takeaways about car insurance in Cottage Grove

The auto insurance costs in Cottage Grove fall around $432 for six months.
The cheapest auto insurance company in Cottage Grove is Westfield.
Teen drivers pay the highest rate in Cottage Grove at $945 per month.

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Cheapest Minimum Liability Car Insurance in Cottage Grove

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 Cottage Grove are given below.

Westfield provides the cheapest minimum car insurance coverage in Cottage Grove. Their Average 6 Month Premium is $144. Nationwide is the most expensive at $312 for the same period.

Cheapest Liability Coverage in Cottage Grove, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$144	$24
West Bend Mutual	$204	$34
AAA	$210	$35
North Star Mutual	$222	$37
North Star Mutual Insurance	$222	$37
USAA	$222	$37
Auto-Owners	$251	$42
Auto-Owners Insurance Co	$251	$42
Iowa Farm Bureau	$251	$42
West Bend	$251	$42
Farmers Union Insurance	$258	$43
Travelers	$276	$46
American Family	$288	$48
State Farm	$288	$48
Western National	$306	$53
Allstate	$498	$84
Farmers	$702	$119
Nationwide	$312	$52

Cheapest Full Coverage Car Insurance in Cottage Grove

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 Cottage Grove is AAA at $74 per month and $432 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cottage Grove, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$432	$74
Iowa Farm Bureau	$522	$87
Auto-Owners Insurance Co	$528	$90
Westfield	$528	$88
American Family	$642	$108
Travelers	$684	$115
West Bend Mutual	$684	$115
Nationwide	$810	$135
USAA	$822	$138
Auto-Owners	$888	$149
State Farm	$1002	$169
West Bend	$1008	$168
Allstate	$1242	$209
Farmers	$1566	$261

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Average Car Insurance in Cottage Grove 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 Cottage Grove, MN increasing?

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

Car Insurance Premiums by Age in Cottage Grove

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	$672
30s	Farm Bureau Mutual	$480
40s	Farm Bureau Mutual	$475
50s	Farm Bureau Mutual	$399
60s	Farm Bureau Mutual	$409
70s	Farm Bureau Mutual	$480

Cheapest Car Insurance Rates for Teen Drivers in Cottage Grove,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Cottage Grove at $29 per month. At $5669 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$174	$29
North Star Mutual Insurance	$240	$40
Auto-Owners Insurance Co	$258	$43
AAA	$264	$44
Iowa Farm Bureau	$264	$44
Farmers Union Insurance	$276	$46
Umialik	$342	$59
Travelers	$876	$147
Auto-Owners	$1259	$212
USAA	$1338	$225
American Family	$1620	$273
State Farm	$1944	$327
Allstate	$3257	$548
Farmers	$5669	$945

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 Cottage Grove.

As young drivers face the highest rates in Cottage Grove, Farm Bureau Mutual offers the cheapest auto insurance rates at $672 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 Cottage Grove, West Bend Mutual is the cheapest car insurance provider. At $258 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 Cottage Grove is State Farm, offering rates of around $5195 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$258	$43
Westfield	$318	$53
Farmers Union Insurance	$354	$61
Iowa Farm Bureau	$498	$83
AAA	$564	$96
American Family	$1080	$182
USAA	$1500	$256
Travelers	$1794	$299
Auto-Owners	$2430	$413
Farmers	$2969	$495
Allstate	$3359	$572
State Farm	$5195	$866

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Save up to $971/yr on car insurance rates in Cottage Grove.

Car Insurance Rates with An Accident in Cottage Grove

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

Cheapest Car Insurance Companies after an At-Fault Accident in Cottage Grove

The cheapest car insurance companies after an at-fault accident in Cottage Grove include Westfield and Umialik, offering $210 and $264, respectively. Nationwide is an expensive provider with an average six-month premium of $414.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$210	$35
Umialik	$264	$44
Western National	$288	$48
Iowa Farm Bureau	$324	$56
Auto-Owners Insurance Co	$342	$57
Farmers Union Insurance	$348	$60
AAA	$354	$59
West Bend Mutual	$354	$61
North Star Mutual	$372	$62
North Star Mutual Insurance	$408	$70
Encompass	$444	$74
Auto-Owners	$642	$108
State Farm	$678	$114
Travelers	$714	$120
USAA	$822	$138
American Family	$996	$168
Allstate	$2172	$366
Farmers	$2334	$397
Nationwide	$414	$69

Cottage Grove Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cottage Grove MN. For example, the car insurance in Cottage Grove after a DUI increases to $1104 for a six month policy. While the rate increases by $227 for a six-month policy in the case of a speeding ticket.

Cottage Grove auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1032	$172
One Med/PIP claim	$1044	$178
Not-at-fault accident	$1062	$177
One comp claim	$1098	$187
Two Med/PIP claims	$1098	$183
Two comp claims	$1146	$195
Failure to wear a seat belt	$1176	$196
Failure to show documents	$1194	$203
Child safety restraint	$1212	$202
Driving without lights	$1212	$206
Driving with expired registration	$1236	$206
Cell phone violation	$1259	$214
Speeding 6 - 10 MPH over limit	$1259	$210
Texting while driving	$1259	$214
Following too closely	$1272	$212
Driving too slowly	$1278	$217
Failure to yield	$1278	$213
Illegal turn	$1278	$217
Speeding in school zone	$1278	$213
Wrong way/wrong lane	$1278	$217
Failure to stop at a red light	$1284	$214
Improper passing	$1284	$218
Speeding 11 - 15 MPH over limit	$1290	$215
Speeding 16 - 20 MPH over limit	$1302	$221
At-fault accident - less than $1000	$1332	$222
Passing school bus	$1332	$226
In 65 MPH zone	$1338	$223
Operating a vehicle without permission	$1344	$228
Speeding 21 - 25 MPH over limit	$1386	$231
At-fault accident - $1000-$2000	$1482	$251
Open container	$1488	$248
At-fault accident - greater than $2000	$1518	$259
Reckless driving	$1859	$310
Racing	$1920	$326
Driving with a suspended license	$2040	$340
Refusal to submit to a chemical test	$2063	$350
DUI	$2136	$356
Leaving scene of an accident/hit and run	$2214	$377

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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 Cottage Grove 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 Cottage Grove.

The cheapest car insurance premiums in Cottage Grove are offered by Umialik at $264 for a six-month policy. However, it can be as expensive as $2363 with companies like Farmers.

Cottage Grove car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$264	$44
West Bend Mutual	$276	$46
Western National	$276	$46
Farmers Union Insurance	$330	$57
Westfield	$372	$62
Iowa Farm Bureau	$486	$83
Country Financial	$516	$86
Auto-Owners Insurance Co	$551	$94
Travelers	$750	$126
State Farm	$798	$134
American Family	$900	$152
Auto-Owners	$1068	$180
USAA	$1086	$183
Allstate	$2238	$377
Farmers	$2363	$394

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 Cottage Grove are offered by Westfield at $174. However, it can be as expensive as $2255 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Cottage Grove after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$174	$29
Iowa Farm Bureau	$276	$46
West Bend Mutual	$276	$46
Western National	$276	$46
Auto-Owners Insurance Co	$288	$48
Farmers Union Insurance	$312	$54
State Farm	$564	$95
American Family	$648	$109
USAA	$768	$128
Auto-Owners	$780	$132
Travelers	$804	$134
Farmers	$1961	$333
Allstate	$2255	$376

Car Insurance Price Trends in Cottage Grove, Minnesota

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

The average cost of full coverage in the Cottage Grove rose by $179 in December compared to $178 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 Cottage Grove remained steady at $49 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Cottage Grove?

The car insurance in Cottage Grove is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Cottage Grove?

The cheapest car insurance in Cottage Grove is $74 per month for full coverage.

How much is car insurance in Cottage Grove for teenagers?

Car insurance for teenagers costs $174 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 Cottage Grove?

The average cost of car insurance is $803 for a six-month policy. It will cost around $135 per month to insure your car in Cottage Grove.

Is car insurance expensive in Cottage Grove?

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

Cheapest Car Insurance Quotes in Cottage Grove

Why you can trust Way?

How Much Is Car Insurance in Cottage Grove

Avg. Car Insurance in Cottage Grove

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Cottage Grove

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

Cottage Grove Car Insurance Rates by Company

Cheap Car Insurance Companies in Cottage Grove, MN

Way's key takeaways about car insurance in Cottage Grove

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cottage Grove

Cheapest Liability Coverage in Cottage Grove, MN

Cheapest Full Coverage Car Insurance in Cottage Grove

Cheapest Full Coverage Car Insurance Quotes in Cottage Grove, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cottage Grove by Rating Factor

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

Car Insurance Premiums by Age in Cottage Grove

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cottage Grove,MN

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

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 Cottage Grove

Cheapest Car Insurance Companies after an At-Fault Accident in Cottage Grove

Cottage Grove Car Insurance Rates by Violation

Cottage Grove auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cottage Grove after a DUI

Cottage Grove car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cottage Grove after Speeding ticket

Car Insurance Price Trends in Cottage Grove, Minnesota

Average Car Insurance Cost in Cottage Grove by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cottage Grove, MN

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

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