Cheapest Car Insurance Quotes in Hanley Falls

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Hanley Falls 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 Hanley Falls

The car insurance rate in Hanley Falls is $739 for a six-month policy, which is $64 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $394, making it a popular choice for budget-conscious drivers. Rates in Hanley Falls 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 Hanley Falls

$739

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Hanley Falls

1st place: AAA

At $394 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 $476 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 $481 for six months, making it the third cheapest auto insurance company in Hanley Falls.

Hanley Falls Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hanley Falls, MN is AAA, offering policies at just $394 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $476.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1426 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hanley Falls drivers find the best deals.

Cheap Car Insurance Companies in Hanley Falls, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$394	$67
Iowa Farm Bureau	$476	$79
Auto-Owners Insurance Co	$481	$82
Westfield	$481	$80
American Family	$585	$98
Travelers	$623	$105
West Bend Mutual	$623	$105
Nationwide	$738	$123
USAA	$749	$126
Auto-Owners	$809	$136
State Farm	$913	$154
West Bend	$918	$153
Allstate	$1132	$190
Farmers	$1426	$237

Key Takeaways

Way's key takeaways about car insurance in Hanley Falls

The auto insurance costs in Hanley Falls fall around $394 for six months.
The cheapest auto insurance company in Hanley Falls is Westfield.
Teen drivers pay the highest rate in Hanley Falls at $861 per month.

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Cheapest Minimum Liability Car Insurance in Hanley Falls

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 Hanley Falls are given below.

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

Cheapest Liability Coverage in Hanley Falls, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$132	$22
West Bend Mutual	$186	$31
AAA	$191	$32
North Star Mutual	$202	$34
North Star Mutual Insurance	$202	$34
USAA	$202	$34
Auto-Owners	$229	$39
Auto-Owners Insurance Co	$229	$39
Iowa Farm Bureau	$229	$39
West Bend	$229	$39
Farmers Union Insurance	$235	$40
Travelers	$251	$42
American Family	$262	$44
State Farm	$262	$44
Western National	$279	$48
Allstate	$454	$76
Farmers	$639	$109
Nationwide	$284	$47

Cheapest Full Coverage Car Insurance in Hanley Falls

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 Hanley Falls is AAA at $67 per month and $394 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hanley Falls, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$394	$67
Iowa Farm Bureau	$476	$79
Auto-Owners Insurance Co	$481	$82
Westfield	$481	$80
American Family	$585	$98
Travelers	$623	$105
West Bend Mutual	$623	$105
Nationwide	$738	$123
USAA	$749	$126
Auto-Owners	$809	$136
State Farm	$913	$154
West Bend	$918	$153
Allstate	$1132	$190
Farmers	$1426	$237

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Average Car Insurance in Hanley Falls 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 Hanley Falls, MN increasing?

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

Car Insurance Premiums by Age in Hanley Falls

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	$612
30s	Farm Bureau Mutual	$437
40s	Farm Bureau Mutual	$432
50s	Farm Bureau Mutual	$363
60s	Farm Bureau Mutual	$373
70s	Farm Bureau Mutual	$437

Cheapest Car Insurance Rates for Teen Drivers in Hanley Falls,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Hanley Falls at $27 per month. At $5164 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
AAA	$240	$40
Iowa Farm Bureau	$240	$40
Farmers Union Insurance	$251	$42
Umialik	$312	$53
Travelers	$798	$134
Auto-Owners	$1147	$193
USAA	$1219	$205
American Family	$1476	$248
State Farm	$1771	$298
Allstate	$2967	$500
Farmers	$5164	$861

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 Hanley Falls.

As young drivers face the highest rates in Hanley Falls, Farm Bureau Mutual offers the cheapest auto insurance rates at $612 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 Hanley Falls, 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 Hanley Falls is State Farm, offering rates of around $4732 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
AAA	$513	$87
American Family	$983	$166
USAA	$1366	$233
Travelers	$1634	$272
Auto-Owners	$2214	$376
Farmers	$2705	$451
Allstate	$3060	$521
State Farm	$4732	$788

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Save up to $971/yr on car insurance rates in Hanley Falls.

Car Insurance Rates with An Accident in Hanley Falls

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

Cheapest Car Insurance Companies after an At-Fault Accident in Hanley Falls

The cheapest car insurance companies after an at-fault accident in Hanley Falls 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
Western National	$262	$44
Iowa Farm Bureau	$295	$51
Auto-Owners Insurance Co	$312	$52
Farmers Union Insurance	$317	$54
AAA	$322	$53
West Bend Mutual	$322	$55
North Star Mutual	$339	$56
North Star Mutual Insurance	$372	$63
Encompass	$405	$67
Auto-Owners	$585	$98
State Farm	$617	$104
Travelers	$650	$109
USAA	$749	$126
American Family	$907	$153
Allstate	$1978	$333
Farmers	$2126	$362
Nationwide	$377	$63

Hanley Falls Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hanley Falls MN. For example, the car insurance in Hanley Falls 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.

Hanley Falls 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 Hanley Falls 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 Hanley Falls.

The cheapest car insurance premiums in Hanley Falls are offered by Umialik at $240 for a six-month policy. However, it can be as expensive as $2153 with companies like Farmers.

Hanley Falls car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$240	$40
West Bend Mutual	$251	$42
Western National	$251	$42
Farmers Union Insurance	$301	$52
Westfield	$339	$56
Iowa Farm Bureau	$443	$75
Country Financial	$470	$78
Auto-Owners Insurance Co	$502	$86
Travelers	$684	$115
State Farm	$727	$122
American Family	$820	$138
Auto-Owners	$972	$164
USAA	$989	$167
Allstate	$2039	$343
Farmers	$2153	$359

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 Hanley Falls are offered by Westfield at $158. However, it can be as expensive as $2054 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hanley Falls after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$158	$27
Iowa Farm Bureau	$251	$42
West Bend Mutual	$251	$42
Western National	$251	$42
Auto-Owners Insurance Co	$262	$44
Farmers Union Insurance	$284	$49
State Farm	$513	$86
American Family	$591	$99
USAA	$699	$117
Auto-Owners	$710	$121
Travelers	$732	$122
Farmers	$1787	$304
Allstate	$2054	$342

Car Insurance Price Trends in Hanley Falls, Minnesota

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

The average cost of full coverage in the Hanley Falls rose by $163 in December compared to $162 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 Hanley Falls remained steady at $45 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 Hanley Falls?

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

What is the cheapest car insurance in Hanley Falls?

The cheapest car insurance in Hanley Falls is $67 per month for full coverage.

How much is car insurance in Hanley Falls 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 Hanley Falls?

The average cost of car insurance is $803 for a six-month policy. It will cost around $123 per month to insure your car in Hanley Falls.

Is car insurance expensive in Hanley Falls?

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

Cheapest Car Insurance Quotes in Hanley Falls

Why you can trust Way?

How Much Is Car Insurance in Hanley Falls

Avg. Car Insurance in Hanley Falls

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Hanley Falls

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

Hanley Falls Car Insurance Rates by Company

Cheap Car Insurance Companies in Hanley Falls, MN

Way's key takeaways about car insurance in Hanley Falls

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hanley Falls

Cheapest Liability Coverage in Hanley Falls, MN

Cheapest Full Coverage Car Insurance in Hanley Falls

Cheapest Full Coverage Car Insurance Quotes in Hanley Falls, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hanley Falls by Rating Factor

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

Car Insurance Premiums by Age in Hanley Falls

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hanley Falls,MN

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

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 Hanley Falls

Cheapest Car Insurance Companies after an At-Fault Accident in Hanley Falls

Hanley Falls Car Insurance Rates by Violation

Hanley Falls auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hanley Falls after a DUI

Hanley Falls car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hanley Falls after Speeding ticket

Car Insurance Price Trends in Hanley Falls, Minnesota

Average Car Insurance Cost in Hanley Falls by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hanley Falls, MN

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

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