Cheapest Car Insurance Quotes in Eagle Lake

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Eagle Lake Car Insurance

^$ 22

/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 Eagle Lake

The car insurance rate in Eagle Lake is $868 for a six-month policy, which is $76 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $476, making it a popular choice for budget-conscious drivers. Rates in Eagle 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 Eagle Lake

$868

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Eagle Lake

1st place: Iowa Farm Bureau

At $476 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 $481 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $481 for six months, making it the third cheapest auto insurance company in Eagle Lake.

Eagle Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Eagle Lake, MN is Iowa Farm Bureau, offering policies at just $476 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $481.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1563 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Eagle Lake drivers find the best deals.

Cheap Car Insurance Companies in Eagle Lake, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$476	$81
Auto-Owners Insurance Co	$481	$80
Westfield	$481	$82
American Family	$502	$85
West Bend Mutual	$623	$105
Travelers	$667	$112
Nationwide	$738	$125
USAA	$771	$130
AAA	$798	$134
Auto-Owners	$853	$144
West Bend	$918	$156
State Farm	$961	$162
Western National	$1240	$211
Allstate	$1301	$219
North Star Mutual	$1524	$259
Farmers	$1563	$260

Key Takeaways

Way's key takeaways about car insurance in Eagle Lake

The auto insurance costs in Eagle Lake fall around $476 for six months.
The cheapest auto insurance company in Eagle Lake is Westfield.
Teen drivers pay the highest rate in Eagle Lake at $939 per month.

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Cheapest Minimum Liability Car Insurance in Eagle 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 Eagle Lake are given below.

Westfield provides the cheapest minimum car insurance coverage in Eagle Lake. Their Average 6 Month Premium is $132. Nationwide is the most expensive at $284 for the same period.

Cheapest Liability Coverage in Eagle Lake, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$132	$22
West Bend Mutual	$186	$31
North Star Mutual Insurance	$202	$34
USAA	$219	$37
Auto-Owners Insurance Co	$229	$39
Iowa Farm Bureau	$229	$39
West Bend	$229	$39
Farmers Union Insurance	$235	$40
Auto-Owners	$240	$40
North Star Mutual	$240	$40
AAA	$268	$45
American Family	$268	$45
Travelers	$268	$45
State Farm	$290	$49
Western National	$306	$52
Allstate	$448	$75
Farmers	$634	$108
Nationwide	$284	$47

Cheapest Full Coverage Car Insurance in Eagle 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 Eagle Lake is Iowa Farm Bureau at $81 per month and $476 for six months.

Cheapest Full Coverage Car Insurance Quotes in Eagle Lake, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$476	$81
Auto-Owners Insurance Co	$481	$80
Westfield	$481	$82
American Family	$502	$85
West Bend Mutual	$623	$105
Travelers	$667	$112
Nationwide	$738	$125
USAA	$771	$130
AAA	$798	$134
Auto-Owners	$853	$144
West Bend	$918	$156
State Farm	$961	$162
Western National	$1240	$211
Allstate	$1301	$219
North Star Mutual	$1524	$259
Farmers	$1563	$260

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Average Car Insurance in Eagle 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 Eagle Lake, MN increasing?

Despite maintaining a clean driving record, your car insurance rates in Eagle 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, Eagle 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 Eagle 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	$602
30s	Farm Bureau Mutual	$430
40s	Farm Bureau Mutual	$425
50s	Farm Bureau Mutual	$358
60s	Farm Bureau Mutual	$366
70s	Farm Bureau Mutual	$430

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

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Eagle Lake at $27 per month. At $5634 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$158	$27
North Star Mutual Insurance	$219	$37
Auto-Owners Insurance Co	$235	$40
Iowa Farm Bureau	$240	$40
Farmers Union Insurance	$251	$42
Umialik	$312	$52
American Family	$853	$144
Travelers	$957	$161
Auto-Owners	$1251	$211
USAA	$1279	$215
State Farm	$1907	$321
AAA	$1924	$324
Allstate	$3065	$516
North Star Mutual	$3214	$535
Western National	$3574	$608
Farmers	$5634	$939

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 Eagle Lake.

As young drivers face the highest rates in Eagle Lake, Farm Bureau Mutual offers the cheapest auto insurance rates at $602 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 Eagle Lake, West Bend Mutual is the cheapest car insurance provider. At $235 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 Eagle Lake is State Farm, offering rates of around $6236 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$235	$40
Westfield	$290	$48
Farmers Union Insurance	$322	$55
Iowa Farm Bureau	$454	$75
American Family	$465	$79
USAA	$1519	$253
AAA	$1694	$285
Travelers	$2180	$363
North Star Mutual	$2524	$430
Auto-Owners	$2634	$439
Farmers	$2896	$492
Western National	$3028	$504
Allstate	$3628	$617
State Farm	$6236	$1040

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Car Insurance Rates with An Accident in Eagle 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 Eagle Lake, MN, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Eagle Lake include Westfield and Umialik, offering $191 and $240, respectively. Nationwide is an expensive provider with an average six-month premium of $377.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$191	$32
Umialik	$240	$40
Iowa Farm Bureau	$295	$49
Auto-Owners Insurance Co	$312	$53
Farmers Union Insurance	$317	$52
West Bend Mutual	$322	$55
North Star Mutual Insurance	$372	$62
Encompass	$405	$69
American Family	$569	$96
Western National	$591	$99
Auto-Owners	$634	$107
State Farm	$656	$110
Travelers	$732	$123
USAA	$787	$132
AAA	$1246	$210
North Star Mutual	$1476	$248
Farmers	$2301	$384
Allstate	$2383	$401
Nationwide	$377	$63

Eagle Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Eagle Lake MN. For example, the car insurance in Eagle Lake after a DUI increases to $1006 for a six month policy. While the rate increases by $207 for a six-month policy in the case of a speeding ticket.

Eagle Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$940	$156
One Med/PIP claim	$951	$162
Not-at-fault accident	$967	$161
One comp claim	$1000	$170
Two Med/PIP claims	$1000	$167
Two comp claims	$1044	$178
Failure to wear a seat belt	$1071	$178
Failure to show documents	$1087	$185
Child safety restraint	$1104	$184
Driving without lights	$1104	$188
Driving with expired registration	$1126	$188
Cell phone violation	$1147	$195
Speeding 6 - 10 MPH over limit	$1147	$191
Texting while driving	$1147	$195
Following too closely	$1158	$193
Driving too slowly	$1164	$198
Failure to yield	$1164	$194
Illegal turn	$1164	$198
Speeding in school zone	$1164	$194
Wrong way/wrong lane	$1164	$198
Failure to stop at a red light	$1169	$195
Improper passing	$1169	$199
Speeding 11 - 15 MPH over limit	$1175	$196
Speeding 16 - 20 MPH over limit	$1186	$201
At-fault accident - less than $1000	$1213	$202
Passing school bus	$1213	$206
In 65 MPH zone	$1219	$203
Operating a vehicle without permission	$1225	$208
Speeding 21 - 25 MPH over limit	$1262	$211
At-fault accident - $1000-$2000	$1350	$229
Open container	$1355	$226
At-fault accident - greater than $2000	$1383	$236
Reckless driving	$1694	$282
Racing	$1749	$297
Driving with a suspended license	$1858	$310
Refusal to submit to a chemical test	$1880	$319
DUI	$1946	$324
Leaving scene of an accident/hit and run	$2017	$343

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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 Eagle 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 Eagle Lake.

The cheapest car insurance premiums in Eagle Lake are offered by Umialik at $240 for a six-month policy. However, it can be as expensive as $4366 with companies like AAA.

Eagle Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$240	$40
West Bend Mutual	$251	$42
Farmers Union Insurance	$301	$50
Westfield	$339	$58
Iowa Farm Bureau	$443	$74
Country Financial	$470	$80
Auto-Owners Insurance Co	$502	$84
American Family	$530	$89
Western National	$749	$126
Travelers	$754	$127
State Farm	$961	$162
USAA	$1039	$175
Auto-Owners	$1071	$180
Farmers	$2333	$397
Allstate	$2476	$417
North Star Mutual	$4361	$742
AAA	$4366	$728

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 Eagle Lake are offered by Westfield at $158. However, it can be as expensive as $2738 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Eagle Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$158	$27
Iowa Farm Bureau	$251	$42
West Bend Mutual	$251	$42
Auto-Owners Insurance Co	$262	$44
American Family	$279	$46
Farmers Union Insurance	$284	$49
State Farm	$601	$101
Western National	$749	$126
USAA	$792	$132
Auto-Owners	$874	$149
Travelers	$951	$158
North Star Mutual	$1524	$259
Farmers	$1961	$327
AAA	$2033	$346
Allstate	$2738	$456

Car Insurance Price Trends in Eagle Lake, Minnesota

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

The average cost of full coverage in the Eagle Lake rose by $198 in January compared to $163 of December. In other words, there has been an increase by $35 when you compare January and December.

The average cost of liability insurance in the Eagle Lake rose to $47 in January, compared to $45 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 Eagle Lake?

The car insurance in Eagle Lake is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Eagle Lake?

The cheapest car insurance in Eagle Lake is $81 per month for full coverage.

How much is car insurance in Eagle Lake for teenagers?

Car insurance for teenagers costs $158 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 Eagle Lake?

The average cost of car insurance is $944 for a six-month policy. It will cost around $146 per month to insure your car in Eagle Lake.

Is car insurance expensive in Eagle Lake?

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

Cheapest Car Insurance Quotes in Eagle Lake

Why you can trust Way?

How Much Is Car Insurance in Eagle Lake

Avg. Car Insurance in Eagle Lake

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Eagle Lake

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Eagle Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Eagle Lake, MN

Way's key takeaways about car insurance in Eagle Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Eagle Lake

Cheapest Liability Coverage in Eagle Lake, MN

Cheapest Full Coverage Car Insurance in Eagle Lake

Cheapest Full Coverage Car Insurance Quotes in Eagle Lake, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Eagle Lake by Rating Factor

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

Car Insurance Premiums by Age in Eagle Lake

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Eagle Lake Car Insurance Rates by Violation

Eagle Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Eagle Lake after a DUI

Eagle Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Eagle Lake after Speeding ticket

Car Insurance Price Trends in Eagle Lake, Minnesota

Average Car Insurance Cost in Eagle Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Eagle Lake, MN

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

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