Cheapest Car Insurance Quotes in Ham Lake

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Ham Lake Car Insurance

^$ 26

/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 Ham Lake

The car insurance rate in Ham Lake is $883 for a six-month policy, which is $80 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $471, making it a popular choice for budget-conscious drivers. Rates in Ham 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 Ham Lake

$883

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Ham Lake

1st place: AAA

At $471 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 $569 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 $575 for six months, making it the third cheapest auto insurance company in Ham Lake.

Ham Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ham Lake, MN is AAA, offering policies at just $471 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $569.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1705 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ham Lake drivers find the best deals.

Cheap Car Insurance Companies in Ham Lake, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$471	$80
Iowa Farm Bureau	$569	$95
Auto-Owners Insurance Co	$575	$98
Westfield	$575	$96
American Family	$700	$118
Travelers	$745	$125
West Bend Mutual	$745	$125
Nationwide	$882	$147
USAA	$895	$151
Auto-Owners	$967	$163
State Farm	$1091	$184
West Bend	$1098	$183
Allstate	$1353	$228
Farmers	$1705	$284

Key Takeaways

Way's key takeaways about car insurance in Ham Lake

The auto insurance costs in Ham Lake fall around $471 for six months.
The cheapest auto insurance company in Ham Lake is Westfield.
Teen drivers pay the highest rate in Ham Lake at $1030 per month.

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

Westfield provides the cheapest minimum car insurance coverage in Ham Lake. Their Average 6 Month Premium is $157. Nationwide is the most expensive at $340 for the same period.

Cheapest Liability Coverage in Ham Lake, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$157	$26
West Bend Mutual	$222	$37
AAA	$229	$39
North Star Mutual	$242	$41
North Star Mutual Insurance	$242	$41
USAA	$242	$41
Auto-Owners	$274	$46
Auto-Owners Insurance Co	$274	$46
Iowa Farm Bureau	$274	$46
West Bend	$274	$46
Farmers Union Insurance	$281	$47
Travelers	$300	$51
American Family	$314	$53
State Farm	$314	$53
Western National	$333	$57
Allstate	$542	$91
Farmers	$765	$130
Nationwide	$340	$56

Cheapest Full Coverage Car Insurance in Ham 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 Ham Lake is AAA at $80 per month and $471 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ham Lake, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$471	$80
Iowa Farm Bureau	$569	$95
Auto-Owners Insurance Co	$575	$98
Westfield	$575	$96
American Family	$700	$118
Travelers	$745	$125
West Bend Mutual	$745	$125
Nationwide	$882	$147
USAA	$895	$151
Auto-Owners	$967	$163
State Farm	$1091	$184
West Bend	$1098	$183
Allstate	$1353	$228
Farmers	$1705	$284

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Average Car Insurance in Ham 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 Ham Lake, MN increasing?

Despite maintaining a clean driving record, your car insurance rates in Ham 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, Ham 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 Ham 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	$732
30s	Farm Bureau Mutual	$523
40s	Farm Bureau Mutual	$517
50s	Farm Bureau Mutual	$435
60s	Farm Bureau Mutual	$446
70s	Farm Bureau Mutual	$523

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

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Ham Lake at $32 per month. At $6174 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$189	$32
North Star Mutual Insurance	$262	$44
Auto-Owners Insurance Co	$281	$47
AAA	$287	$48
Iowa Farm Bureau	$287	$48
Farmers Union Insurance	$300	$51
Umialik	$373	$64
Travelers	$954	$161
Auto-Owners	$1372	$231
USAA	$1458	$245
American Family	$1764	$297
State Farm	$2118	$356
Allstate	$3548	$597
Farmers	$6174	$1030

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 Ham Lake.

As young drivers face the highest rates in Ham Lake, Farm Bureau Mutual offers the cheapest auto insurance rates at $732 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 Ham Lake, West Bend Mutual is the cheapest car insurance provider. At $281 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 Ham Lake is State Farm, offering rates of around $5658 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$281	$47
Westfield	$347	$57
Farmers Union Insurance	$385	$66
Iowa Farm Bureau	$542	$90
AAA	$614	$105
American Family	$1176	$198
USAA	$1634	$278
Travelers	$1954	$326
Auto-Owners	$2647	$450
Farmers	$3234	$539
Allstate	$3659	$623
State Farm	$5658	$943

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Save up to $971/yr on car insurance rates in Ham Lake.

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

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

The cheapest car insurance companies after an at-fault accident in Ham Lake include Westfield and Umialik, offering $229 and $287, respectively. Nationwide is an expensive provider with an average six-month premium of $451.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$229	$39
Umialik	$287	$48
Western National	$314	$53
Iowa Farm Bureau	$353	$61
Auto-Owners Insurance Co	$373	$62
Farmers Union Insurance	$380	$65
AAA	$385	$64
West Bend Mutual	$385	$66
North Star Mutual	$405	$67
North Star Mutual Insurance	$444	$76
Encompass	$484	$80
Auto-Owners	$700	$118
State Farm	$738	$124
Travelers	$778	$131
USAA	$895	$151
American Family	$1085	$183
Allstate	$2365	$398
Farmers	$2542	$432
Nationwide	$451	$75

Ham Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ham Lake MN. For example, the car insurance in Ham Lake after a DUI increases to $1203 for a six month policy. While the rate increases by $248 for a six-month policy in the case of a speeding ticket.

Ham Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1124	$187
One Med/PIP claim	$1137	$194
Not-at-fault accident	$1156	$193
One comp claim	$1196	$204
Two Med/PIP claims	$1196	$199
Two comp claims	$1249	$212
Failure to wear a seat belt	$1280	$213
Failure to show documents	$1300	$221
Child safety restraint	$1320	$220
Driving without lights	$1320	$224
Driving with expired registration	$1346	$224
Cell phone violation	$1372	$233
Speeding 6 - 10 MPH over limit	$1372	$229
Texting while driving	$1372	$233
Following too closely	$1385	$231
Driving too slowly	$1392	$237
Failure to yield	$1392	$232
Illegal turn	$1392	$237
Speeding in school zone	$1392	$232
Wrong way/wrong lane	$1392	$237
Failure to stop at a red light	$1398	$233
Improper passing	$1398	$238
Speeding 11 - 15 MPH over limit	$1405	$234
Speeding 16 - 20 MPH over limit	$1418	$241
At-fault accident - less than $1000	$1451	$242
Passing school bus	$1451	$246
In 65 MPH zone	$1458	$243
Operating a vehicle without permission	$1464	$249
Speeding 21 - 25 MPH over limit	$1509	$252
At-fault accident - $1000-$2000	$1614	$274
Open container	$1620	$271
At-fault accident - greater than $2000	$1653	$282
Reckless driving	$2025	$338
Racing	$2091	$355
Driving with a suspended license	$2222	$371
Refusal to submit to a chemical test	$2247	$382
DUI	$2327	$387
Leaving scene of an accident/hit and run	$2411	$410

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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 Ham 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 Ham Lake.

The cheapest car insurance premiums in Ham Lake are offered by Umialik at $287 for a six-month policy. However, it can be as expensive as $2574 with companies like Farmers.

Ham Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$287	$48
West Bend Mutual	$300	$51
Western National	$300	$51
Farmers Union Insurance	$360	$62
Westfield	$405	$67
Iowa Farm Bureau	$529	$90
Country Financial	$562	$94
Auto-Owners Insurance Co	$601	$102
Travelers	$817	$138
State Farm	$869	$146
American Family	$980	$165
Auto-Owners	$1163	$196
USAA	$1183	$199
Allstate	$2438	$410
Farmers	$2574	$429

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 Ham Lake are offered by Westfield at $189. However, it can be as expensive as $2456 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Ham Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$189	$32
Iowa Farm Bureau	$300	$51
West Bend Mutual	$300	$51
Western National	$300	$51
Auto-Owners Insurance Co	$314	$53
Farmers Union Insurance	$340	$58
State Farm	$614	$103
American Family	$706	$119
USAA	$836	$140
Auto-Owners	$849	$144
Travelers	$876	$146
Farmers	$2136	$363
Allstate	$2456	$409

Car Insurance Price Trends in Ham Lake, Minnesota

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

The average cost of full coverage in the Ham Lake rose by $195 in December compared to $194 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 Ham Lake remained steady at $54 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 Ham Lake?

The car insurance in Ham Lake is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Ham Lake?

The cheapest car insurance in Ham Lake is $80 per month for full coverage.

How much is car insurance in Ham Lake for teenagers?

Car insurance for teenagers costs $189 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 Ham Lake?

The average cost of car insurance is $803 for a six-month policy. It will cost around $147 per month to insure your car in Ham Lake.

Is car insurance expensive in Ham Lake?

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

Cheapest Car Insurance Quotes in Ham Lake

Why you can trust Way?

How Much Is Car Insurance in Ham Lake

Avg. Car Insurance in Ham Lake

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Ham Lake

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

Ham Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Ham Lake, MN

Way's key takeaways about car insurance in Ham Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ham Lake

Cheapest Liability Coverage in Ham Lake, MN

Cheapest Full Coverage Car Insurance in Ham Lake

Cheapest Full Coverage Car Insurance Quotes in Ham Lake, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ham Lake by Rating Factor

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

Car Insurance Premiums by Age in Ham Lake

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Ham Lake Car Insurance Rates by Violation

Ham Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ham Lake after a DUI

Ham Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ham Lake after Speeding ticket

Car Insurance Price Trends in Ham Lake, Minnesota

Average Car Insurance Cost in Ham Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ham Lake, MN

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

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