Cheapest Car Insurance Quotes in Fridley

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Fridley 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 Fridley

The car insurance rate in Fridley is $1104 for a six-month policy, which is $160 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $605, making it a popular choice for budget-conscious drivers. Rates in Fridley 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 Fridley

$1104

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Fridley

1st place: Iowa Farm Bureau

At $605 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 $612 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $612 for six months, making it the third cheapest auto insurance company in Fridley.

Fridley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fridley, MN is Iowa Farm Bureau, offering policies at just $605 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $612.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1988 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fridley drivers find the best deals.

Cheap Car Insurance Companies in Fridley, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$605	$103
Auto-Owners Insurance Co	$612	$102
Westfield	$612	$104
American Family	$639	$108
West Bend Mutual	$792	$133
Travelers	$848	$143
Nationwide	$938	$159
USAA	$980	$165
AAA	$1014	$171
Auto-Owners	$1085	$183
West Bend	$1168	$199
State Farm	$1223	$206
Western National	$1577	$268
Allstate	$1654	$278
North Star Mutual	$1939	$330
Farmers	$1988	$331

Key Takeaways

Way's key takeaways about car insurance in Fridley

The auto insurance costs in Fridley fall around $605 for six months.
The cheapest auto insurance company in Fridley is Westfield.
Teen drivers pay the highest rate in Fridley at $1195 per month.

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Cheapest Minimum Liability Car Insurance in Fridley

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 Fridley are given below.

Westfield provides the cheapest minimum car insurance coverage in Fridley. Their Average 6 Month Premium is $167. Nationwide is the most expensive at $362 for the same period.

Cheapest Liability Coverage in Fridley, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$167	$28
West Bend Mutual	$236	$40
North Star Mutual Insurance	$257	$43
USAA	$278	$47
Auto-Owners Insurance Co	$291	$49
Iowa Farm Bureau	$291	$49
West Bend	$291	$49
Farmers Union Insurance	$298	$50
Auto-Owners	$305	$51
North Star Mutual	$305	$51
AAA	$340	$57
American Family	$340	$57
Travelers	$340	$57
State Farm	$369	$62
Western National	$390	$66
Allstate	$570	$96
Farmers	$806	$137
Nationwide	$362	$60

Cheapest Full Coverage Car Insurance in Fridley

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 Fridley is Iowa Farm Bureau at $103 per month and $605 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fridley, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$605	$103
Auto-Owners Insurance Co	$612	$102
Westfield	$612	$104
American Family	$639	$108
West Bend Mutual	$792	$133
Travelers	$848	$143
Nationwide	$938	$159
USAA	$980	$165
AAA	$1014	$171
Auto-Owners	$1085	$183
West Bend	$1168	$199
State Farm	$1223	$206
Western National	$1577	$268
Allstate	$1654	$278
North Star Mutual	$1939	$330
Farmers	$1988	$331

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Average Car Insurance in Fridley 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 Fridley, MN increasing?

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

Car Insurance Premiums by Age in Fridley

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	$765
30s	Farm Bureau Mutual	$546
40s	Farm Bureau Mutual	$541
50s	Farm Bureau Mutual	$455
60s	Farm Bureau Mutual	$466
70s	Farm Bureau Mutual	$546

Cheapest Car Insurance Rates for Teen Drivers in Fridley,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Fridley at $34 per month. At $7165 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$201	$34
North Star Mutual Insurance	$278	$47
Auto-Owners Insurance Co	$298	$50
Iowa Farm Bureau	$305	$51
Farmers Union Insurance	$319	$54
Umialik	$397	$66
American Family	$1085	$183
Travelers	$1217	$205
Auto-Owners	$1591	$268
USAA	$1626	$274
State Farm	$2425	$408
AAA	$2446	$412
Allstate	$3898	$656
North Star Mutual	$4087	$681
Western National	$4545	$773
Farmers	$7165	$1195

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 Fridley.

As young drivers face the highest rates in Fridley, Farm Bureau Mutual offers the cheapest auto insurance rates at $765 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 Fridley, West Bend Mutual is the cheapest car insurance provider. At $298 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 Fridley is State Farm, offering rates of around $7930 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$298	$50
Westfield	$369	$61
Farmers Union Insurance	$410	$70
Iowa Farm Bureau	$577	$96
American Family	$591	$101
USAA	$1932	$322
AAA	$2154	$363
Travelers	$2773	$462
North Star Mutual	$3210	$546
Auto-Owners	$3350	$558
Farmers	$3683	$626
Western National	$3850	$641
Allstate	$4614	$785
State Farm	$7930	$1322

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Car Insurance Rates with An Accident in Fridley

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

Cheapest Car Insurance Companies after an At-Fault Accident in Fridley

The cheapest car insurance companies after an at-fault accident in Fridley include Westfield and Umialik, offering $243 and $305, respectively. Nationwide is an expensive provider with an average six-month premium of $480.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$243	$41
Umialik	$305	$51
Iowa Farm Bureau	$376	$62
Auto-Owners Insurance Co	$397	$68
Farmers Union Insurance	$404	$67
West Bend Mutual	$410	$70
North Star Mutual Insurance	$473	$78
Encompass	$515	$88
American Family	$723	$122
Western National	$751	$126
Auto-Owners	$806	$136
State Farm	$834	$140
Travelers	$931	$157
USAA	$1000	$168
AAA	$1584	$267
North Star Mutual	$1877	$316
Farmers	$2926	$488
Allstate	$3030	$510
Nationwide	$480	$80

Fridley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fridley MN. For example, the car insurance in Fridley after a DUI increases to $1279 for a six month policy. While the rate increases by $263 for a six-month policy in the case of a speeding ticket.

Fridley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1196	$199
One Med/PIP claim	$1210	$206
Not-at-fault accident	$1230	$205
One comp claim	$1272	$216
Two Med/PIP claims	$1272	$212
Two comp claims	$1328	$226
Failure to wear a seat belt	$1362	$227
Failure to show documents	$1383	$235
Child safety restraint	$1404	$234
Driving without lights	$1404	$239
Driving with expired registration	$1432	$239
Cell phone violation	$1459	$248
Speeding 6 - 10 MPH over limit	$1459	$243
Texting while driving	$1459	$248
Following too closely	$1473	$246
Driving too slowly	$1480	$252
Failure to yield	$1480	$247
Illegal turn	$1480	$252
Speeding in school zone	$1480	$247
Wrong way/wrong lane	$1480	$252
Failure to stop at a red light	$1487	$248
Improper passing	$1487	$253
Speeding 11 - 15 MPH over limit	$1494	$249
Speeding 16 - 20 MPH over limit	$1508	$256
At-fault accident - less than $1000	$1543	$257
Passing school bus	$1543	$262
In 65 MPH zone	$1550	$259
Operating a vehicle without permission	$1557	$264
Speeding 21 - 25 MPH over limit	$1605	$268
At-fault accident - $1000-$2000	$1716	$291
Open container	$1723	$288
At-fault accident - greater than $2000	$1759	$300
Reckless driving	$2154	$359
Racing	$2224	$378
Driving with a suspended license	$2363	$394
Refusal to submit to a chemical test	$2390	$406
DUI	$2475	$412
Leaving scene of an accident/hit and run	$2565	$436

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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 Fridley 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 Fridley.

The cheapest car insurance premiums in Fridley are offered by Umialik at $305 for a six-month policy. However, it can be as expensive as $5553 with companies like AAA.

Fridley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$305	$51
West Bend Mutual	$319	$54
Farmers Union Insurance	$383	$63
Westfield	$431	$74
Iowa Farm Bureau	$563	$94
Country Financial	$598	$102
Auto-Owners Insurance Co	$639	$106
American Family	$674	$113
Western National	$952	$160
Travelers	$959	$161
State Farm	$1223	$206
USAA	$1321	$222
Auto-Owners	$1362	$229
Farmers	$2967	$504
Allstate	$3148	$530
North Star Mutual	$5546	$943
AAA	$5553	$925

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 Fridley are offered by Westfield at $201. However, it can be as expensive as $3482 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Fridley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$201	$34
Iowa Farm Bureau	$319	$54
West Bend Mutual	$319	$54
Auto-Owners Insurance Co	$333	$56
American Family	$355	$59
Farmers Union Insurance	$362	$62
State Farm	$764	$129
Western National	$952	$160
USAA	$1007	$168
Auto-Owners	$1112	$190
Travelers	$1210	$201
North Star Mutual	$1939	$330
Farmers	$2494	$415
AAA	$2586	$440
Allstate	$3482	$580

Car Insurance Price Trends in Fridley, Minnesota

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

The average cost of full coverage in the Fridley rose by $252 in January compared to $207 of December. In other words, there has been an increase by $45 when you compare January and December.

The average cost of liability insurance in the Fridley rose to $60 in January, compared to $57 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Fridley?

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

What is the cheapest car insurance in Fridley?

The cheapest car insurance in Fridley is $103 per month for full coverage.

How much is car insurance in Fridley for teenagers?

Car insurance for teenagers costs $201 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 Fridley?

The average cost of car insurance is $944 for a six-month policy. It will cost around $186 per month to insure your car in Fridley.

Is car insurance expensive in Fridley?

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

Cheapest Car Insurance Quotes in Fridley

Why you can trust Way?

How Much Is Car Insurance in Fridley

Avg. Car Insurance in Fridley

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Fridley

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Fridley Car Insurance Rates by Company

Cheap Car Insurance Companies in Fridley, MN

Way's key takeaways about car insurance in Fridley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fridley

Cheapest Liability Coverage in Fridley, MN

Cheapest Full Coverage Car Insurance in Fridley

Cheapest Full Coverage Car Insurance Quotes in Fridley, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fridley by Rating Factor

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

Car Insurance Premiums by Age in Fridley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fridley,MN

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

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 Fridley

Cheapest Car Insurance Companies after an At-Fault Accident in Fridley

Fridley Car Insurance Rates by Violation

Fridley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fridley after a DUI

Fridley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fridley after Speeding ticket

Car Insurance Price Trends in Fridley, Minnesota

Average Car Insurance Cost in Fridley by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fridley, MN

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

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