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Finding the cheapest car insurance quotes in Embarrass shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Embarrass
The car insurance rate in Embarrass is $835 for a six-month policy, which is $32 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $445, making it a popular choice for budget-conscious drivers. Rates in Embarrass 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.
At $445 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 $538 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 $544
for six months, making it
the third cheapest auto insurance company in Embarrass.
Embarrass Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Embarrass, MN is AAA, offering policies at just $445 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $538.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1612 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Embarrass drivers find the best deals.
Way's key takeaways about car insurance in Embarrass
The auto insurance costs in Embarrass fall around $445 for six
months.
The cheapest auto insurance company in Embarrass is Westfield.
Teen drivers pay the highest rate in Embarrass at $973 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Embarrass
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 Embarrass are given below.
Westfield provides
the cheapest minimum car insurance
coverage in Embarrass. Their Average 6 Month Premium is $149.
Nationwide is the most
expensive at $321 for the same
period.
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 Embarrass is AAA
at $76 per month and $445
for six months.
Cheapest Full Coverage Car Insurance Quotes in Embarrass,
MN
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Instantly!
Average Car Insurance in Embarrass 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 Embarrass, MN increasing?
Despite maintaining a clean driving record, your car insurance rates
in Embarrass, 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, Embarrass's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Embarrass
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
$692
30s
Farm Bureau Mutual
$494
40s
Farm Bureau Mutual
$489
50s
Farm Bureau Mutual
$411
60s
Farm Bureau Mutual
$421
70s
Farm Bureau Mutual
$494
Cheapest Car Insurance Rates for Teen Drivers in
Embarrass,MN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Embarrass at $30
per
month. At $5838 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties Farm Bureau Mutual is
the best choice for car
insurance in Embarrass.
As young drivers face the highest rates in Embarrass, Farm Bureau Mutual
offers the cheapest auto insurance rates at $692 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 Embarrass,
West Bend Mutual is
the cheapest car insurance provider. At $265 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
Embarrass is State Farm, offering
rates of around $5350 for six
months.
Save up to $971/yr on car insurance rates in Embarrass.
Car Insurance Rates with An Accident in Embarrass
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 Embarrass, MN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Embarrass
The cheapest car insurance companies after an at-fault accident in
Embarrass include Westfield
and Umialik, offering $216
and $271,
respectively. Nationwide is an expensive provider
with an average six-month premium of
$426.
Here is a list of driving violations that can increase your car
insurance rates in Embarrass MN. For example, the car
insurance in Embarrass
after a DUI increases to $1137 for a six
month policy. While the rate increases by $234 for a six-month policy in the case of
a speeding ticket.
Embarrass auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1063
$177
One Med/PIP claim
$1075
$183
Not-at-fault accident
$1093
$182
One comp claim
$1130
$192
Two Med/PIP claims
$1130
$188
Two comp claims
$1180
$201
Failure to wear a seat belt
$1211
$202
Failure to show documents
$1229
$209
Child safety restraint
$1248
$208
Driving without lights
$1248
$212
Driving with expired registration
$1273
$212
Cell phone violation
$1297
$220
Speeding 6 - 10 MPH over limit
$1297
$216
Texting while driving
$1297
$220
Following too closely
$1309
$218
Driving too slowly
$1316
$224
Failure to yield
$1316
$219
Illegal turn
$1316
$224
Speeding in school zone
$1316
$219
Wrong way/wrong lane
$1316
$224
Failure to stop at a red light
$1322
$220
Improper passing
$1322
$225
Speeding 11 - 15 MPH over limit
$1328
$222
Speeding 16 - 20 MPH over limit
$1341
$228
At-fault accident - less than $1000
$1372
$229
Passing school bus
$1372
$233
In 65 MPH zone
$1378
$230
Operating a vehicle without permission
$1384
$235
Speeding 21 - 25 MPH over limit
$1427
$238
At-fault accident - $1000-$2000
$1526
$259
Open container
$1532
$256
At-fault accident - greater than $2000
$1563
$266
Reckless driving
$1915
$319
Racing
$1977
$336
Driving with a suspended license
$2101
$350
Refusal to submit to a chemical test
$2125
$361
DUI
$2200
$366
Leaving scene of an accident/hit and run
$2280
$388
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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 Embarrass 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 Embarrass.
The cheapest car insurance premiums in
Embarrass are
offered by Umialik at $271 for a six-month policy.
However, it can be as
expensive as $2434 with companies
like Farmers.
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 Embarrass are offered by Westfield
at $179. However,
it can be as expensive as $2322
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Embarrass after Speeding ticket
Car Insurance Price Trends in Embarrass,
Minnesota
Car insurance rates in Embarrass have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Embarrass rose by
$184 in December
compared to $183 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 Embarrass remained steady at $51 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Embarrass by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Embarrass. At $1670 for a
six-month policy, insuring
your car at 55732 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Embarrass?
The car insurance in Embarrass is $25 per month, which is lower than the national average.
What is the cheapest car insurance in Embarrass?
The cheapest car insurance in Embarrass
is $76 per month
for full coverage.
How much is car insurance in Embarrass for teenagers?
Car insurance for teenagers costs $179 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
Embarrass?
The average cost of car insurance is $803 for a six-month
policy. It will cost around $139 per month to insure your
car in Embarrass.
Is car insurance expensive in Embarrass?
Car insurance can be expensive in Embarrass if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Embarrass can be
affordable.
What is the best car insurance in Embarrass,
MN?
The best car insurance company in Embarrass
MN is
AAA, offering $445 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Embarrass, MN
Car Insurance Rates by State in the USA (2025 Update)
Embarrass Car Insurance
