Cheapest Car Insurance Quotes in Falcon Heights

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Falcon Heights Car Insurance

^$ 28

/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 Falcon Heights

The car insurance rate in Falcon Heights is $1095 for a six-month policy, which is $151 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $600, making it a popular choice for budget-conscious drivers. Rates in Falcon 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 Falcon Heights

$1095

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Falcon Heights

1st place: Iowa Farm Bureau

At $600 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 $607 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $607 for six months, making it the third cheapest auto insurance company in Falcon Heights.

Falcon Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Falcon Heights, MN is Iowa Farm Bureau, offering policies at just $600 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $607.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1971 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Falcon Heights drivers find the best deals.

Cheap Car Insurance Companies in Falcon Heights, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$600	$102
Auto-Owners Insurance Co	$607	$101
Westfield	$607	$103
American Family	$633	$107
West Bend Mutual	$785	$132
Travelers	$841	$142
Nationwide	$930	$158
USAA	$972	$164
AAA	$1006	$169
Auto-Owners	$1075	$181
West Bend	$1158	$197
State Farm	$1212	$204
Western National	$1564	$266
Allstate	$1640	$276
North Star Mutual	$1922	$327
Farmers	$1971	$328

Key Takeaways

Way's key takeaways about car insurance in Falcon Heights

The auto insurance costs in Falcon Heights fall around $600 for six months.
The cheapest auto insurance company in Falcon Heights is Westfield.
Teen drivers pay the highest rate in Falcon Heights at $1184 per month.

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Cheapest Minimum Liability Car Insurance in Falcon 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 Falcon Heights are given below.

Westfield provides the cheapest minimum car insurance coverage in Falcon Heights. Their Average 6 Month Premium is $166. Nationwide is the most expensive at $358 for the same period.

Cheapest Liability Coverage in Falcon Heights, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$166	$28
West Bend Mutual	$234	$39
North Star Mutual Insurance	$255	$43
USAA	$276	$46
Auto-Owners Insurance Co	$289	$49
Iowa Farm Bureau	$289	$49
West Bend	$289	$49
Farmers Union Insurance	$296	$50
Auto-Owners	$303	$51
North Star Mutual	$303	$51
AAA	$338	$57
American Family	$338	$57
Travelers	$338	$57
State Farm	$365	$61
Western National	$386	$65
Allstate	$565	$95
Farmers	$799	$136
Nationwide	$358	$59

Cheapest Full Coverage Car Insurance in Falcon 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 Falcon Heights is Iowa Farm Bureau at $102 per month and $600 for six months.

Cheapest Full Coverage Car Insurance Quotes in Falcon Heights, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$600	$102
Auto-Owners Insurance Co	$607	$101
Westfield	$607	$103
American Family	$633	$107
West Bend Mutual	$785	$132
Travelers	$841	$142
Nationwide	$930	$158
USAA	$972	$164
AAA	$1006	$169
Auto-Owners	$1075	$181
West Bend	$1158	$197
State Farm	$1212	$204
Western National	$1564	$266
Allstate	$1640	$276
North Star Mutual	$1922	$327
Farmers	$1971	$328

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Average Car Insurance in Falcon 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 Falcon Heights, MN increasing?

Despite maintaining a clean driving record, your car insurance rates in Falcon 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, Falcon 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 Falcon 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	$759
30s	Farm Bureau Mutual	$542
40s	Farm Bureau Mutual	$536
50s	Farm Bureau Mutual	$451
60s	Farm Bureau Mutual	$462
70s	Farm Bureau Mutual	$542

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

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Falcon Heights at $34 per month. At $7104 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$200	$34
North Star Mutual Insurance	$276	$46
Auto-Owners Insurance Co	$296	$50
Iowa Farm Bureau	$303	$51
Farmers Union Insurance	$317	$53
Umialik	$393	$65
American Family	$1075	$181
Travelers	$1206	$203
Auto-Owners	$1578	$266
USAA	$1612	$271
State Farm	$2405	$405
AAA	$2426	$408
Allstate	$3865	$651
North Star Mutual	$4052	$675
Western National	$4507	$767
Farmers	$7104	$1184

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 Falcon Heights.

As young drivers face the highest rates in Falcon Heights, Farm Bureau Mutual offers the cheapest auto insurance rates at $759 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 Falcon Heights, West Bend Mutual is the cheapest car insurance provider. At $296 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 Falcon Heights is State Farm, offering rates of around $7862 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$296	$50
Westfield	$365	$60
Farmers Union Insurance	$406	$70
Iowa Farm Bureau	$572	$95
American Family	$586	$100
USAA	$1915	$319
AAA	$2136	$360
Travelers	$2749	$458
North Star Mutual	$3183	$542
Auto-Owners	$3321	$553
Farmers	$3652	$621
Western National	$3818	$636
Allstate	$4575	$778
State Farm	$7862	$1311

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

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

The cheapest car insurance companies after an at-fault accident in Falcon Heights include Westfield and Umialik, offering $241 and $303, respectively. Nationwide is an expensive provider with an average six-month premium of $476.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$241	$41
Umialik	$303	$51
Iowa Farm Bureau	$372	$61
Auto-Owners Insurance Co	$393	$67
Farmers Union Insurance	$400	$66
West Bend Mutual	$406	$70
North Star Mutual Insurance	$469	$78
Encompass	$510	$87
American Family	$717	$121
Western National	$745	$125
Auto-Owners	$799	$135
State Farm	$827	$139
Travelers	$923	$155
USAA	$992	$167
AAA	$1571	$264
North Star Mutual	$1861	$313
Farmers	$2901	$484
Allstate	$3004	$506
Nationwide	$476	$79

Falcon Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Falcon Heights MN. For example, the car insurance in Falcon Heights after a DUI increases to $1267 for a six month policy. While the rate increases by $261 for a six-month policy in the case of a speeding ticket.

Falcon Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1186	$197
One Med/PIP claim	$1199	$204
Not-at-fault accident	$1219	$203
One comp claim	$1261	$215
Two Med/PIP claims	$1261	$210
Two comp claims	$1317	$224
Failure to wear a seat belt	$1350	$225
Failure to show documents	$1371	$233
Child safety restraint	$1392	$232
Driving without lights	$1392	$237
Driving with expired registration	$1420	$237
Cell phone violation	$1447	$246
Speeding 6 - 10 MPH over limit	$1447	$241
Texting while driving	$1447	$246
Following too closely	$1460	$244
Driving too slowly	$1467	$249
Failure to yield	$1467	$245
Illegal turn	$1467	$249
Speeding in school zone	$1467	$245
Wrong way/wrong lane	$1467	$249
Failure to stop at a red light	$1474	$246
Improper passing	$1474	$251
Speeding 11 - 15 MPH over limit	$1481	$247
Speeding 16 - 20 MPH over limit	$1495	$254
At-fault accident - less than $1000	$1530	$255
Passing school bus	$1530	$260
In 65 MPH zone	$1537	$256
Operating a vehicle without permission	$1544	$262
Speeding 21 - 25 MPH over limit	$1592	$266
At-fault accident - $1000-$2000	$1702	$289
Open container	$1709	$285
At-fault accident - greater than $2000	$1743	$297
Reckless driving	$2136	$356
Racing	$2205	$375
Driving with a suspended license	$2343	$391
Refusal to submit to a chemical test	$2370	$403
DUI	$2453	$408
Leaving scene of an accident/hit and run	$2543	$433

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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 Falcon 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 Falcon Heights.

The cheapest car insurance premiums in Falcon Heights are offered by Umialik at $303 for a six-month policy. However, it can be as expensive as $5505 with companies like AAA.

Falcon Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$303	$51
West Bend Mutual	$317	$53
Farmers Union Insurance	$379	$63
Westfield	$427	$73
Iowa Farm Bureau	$558	$93
Country Financial	$593	$101
Auto-Owners Insurance Co	$633	$106
American Family	$668	$113
Western National	$944	$159
Travelers	$951	$160
State Farm	$1212	$204
USAA	$1310	$220
Auto-Owners	$1350	$227
Farmers	$2942	$500
Allstate	$3122	$525
North Star Mutual	$5498	$935
AAA	$5505	$918

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 Falcon Heights are offered by Westfield at $200. However, it can be as expensive as $3452 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Falcon Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$200	$34
Iowa Farm Bureau	$317	$53
West Bend Mutual	$317	$53
Auto-Owners Insurance Co	$331	$56
American Family	$351	$58
Farmers Union Insurance	$358	$61
State Farm	$757	$128
Western National	$944	$159
USAA	$999	$167
Auto-Owners	$1102	$188
Travelers	$1199	$200
North Star Mutual	$1922	$327
Farmers	$2473	$412
AAA	$2564	$436
Allstate	$3452	$575

Car Insurance Price Trends in Falcon Heights, Minnesota

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

The average cost of full coverage in the Falcon Heights rose by $249 in January compared to $205 of December. In other words, there has been an increase by $44 when you compare January and December.

The average cost of liability insurance in the Falcon Heights rose to $59 in January, compared to $57 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 Falcon Heights?

The car insurance in Falcon Heights is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Falcon Heights?

The cheapest car insurance in Falcon Heights is $102 per month for full coverage.

How much is car insurance in Falcon Heights for teenagers?

Car insurance for teenagers costs $200 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 Falcon Heights?

The average cost of car insurance is $944 for a six-month policy. It will cost around $184 per month to insure your car in Falcon Heights.

Is car insurance expensive in Falcon Heights?

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

Cheapest Car Insurance Quotes in Falcon Heights

Why you can trust Way?

How Much Is Car Insurance in Falcon Heights

Avg. Car Insurance in Falcon Heights

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Falcon Heights

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Falcon Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Falcon Heights, MN

Way's key takeaways about car insurance in Falcon Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Falcon Heights

Cheapest Liability Coverage in Falcon Heights, MN

Cheapest Full Coverage Car Insurance in Falcon Heights

Cheapest Full Coverage Car Insurance Quotes in Falcon Heights, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Falcon Heights by Rating Factor

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

Car Insurance Premiums by Age in Falcon Heights

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Falcon Heights Car Insurance Rates by Violation

Falcon Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Falcon Heights after a DUI

Falcon Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Falcon Heights after Speeding ticket

Car Insurance Price Trends in Falcon Heights, Minnesota

Average Car Insurance Cost in Falcon Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Falcon Heights, MN

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

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