Cheapest Car Insurance Quotes in Hector

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Hector 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 Hector

The car insurance rate in Hector is $747 for a six-month policy, which is $56 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $398, making it a popular choice for budget-conscious drivers. Rates in Hector 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 Hector

$747

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Hector

1st place: AAA

At $398 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 $481 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 $486 for six months, making it the third cheapest auto insurance company in Hector.

Hector Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hector, MN is AAA, offering policies at just $398 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $481.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1442 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hector drivers find the best deals.

Cheap Car Insurance Companies in Hector, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$398	$68
Iowa Farm Bureau	$481	$80
Auto-Owners Insurance Co	$486	$83
Westfield	$486	$81
American Family	$591	$100
Travelers	$630	$106
West Bend Mutual	$630	$106
Nationwide	$746	$125
USAA	$757	$127
Auto-Owners	$817	$138
State Farm	$923	$155
West Bend	$928	$154
Allstate	$1144	$193
Farmers	$1442	$240

Key Takeaways

Way's key takeaways about car insurance in Hector

The auto insurance costs in Hector fall around $398 for six months.
The cheapest auto insurance company in Hector is Westfield.
Teen drivers pay the highest rate in Hector at $870 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Hector

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 Hector are given below.

Westfield provides the cheapest minimum car insurance coverage in Hector. Their Average 6 Month Premium is $133. Nationwide is the most expensive at $287 for the same period.

Cheapest Liability Coverage in Hector, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$133	$22
West Bend Mutual	$188	$32
AAA	$193	$33
North Star Mutual	$205	$34
North Star Mutual Insurance	$205	$34
USAA	$205	$34
Auto-Owners	$232	$39
Auto-Owners Insurance Co	$232	$39
Iowa Farm Bureau	$232	$39
West Bend	$232	$39
Farmers Union Insurance	$237	$40
Travelers	$254	$43
American Family	$265	$45
State Farm	$265	$45
Western National	$282	$48
Allstate	$458	$77
Farmers	$646	$110
Nationwide	$287	$47

Cheapest Full Coverage Car Insurance in Hector

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 Hector is AAA at $68 per month and $398 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hector, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$398	$68
Iowa Farm Bureau	$481	$80
Auto-Owners Insurance Co	$486	$83
Westfield	$486	$81
American Family	$591	$100
Travelers	$630	$106
West Bend Mutual	$630	$106
Nationwide	$746	$125
USAA	$757	$127
Auto-Owners	$817	$138
State Farm	$923	$155
West Bend	$928	$154
Allstate	$1144	$193
Farmers	$1442	$240

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Average Car Insurance in Hector 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 Hector, MN increasing?

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

Car Insurance Premiums by Age in Hector

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	$618
30s	Farm Bureau Mutual	$442
40s	Farm Bureau Mutual	$437
50s	Farm Bureau Mutual	$367
60s	Farm Bureau Mutual	$377
70s	Farm Bureau Mutual	$442

Cheapest Car Insurance Rates for Teen Drivers in Hector,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Hector at $27 per month. At $5220 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$160	$27
North Star Mutual Insurance	$221	$37
Auto-Owners Insurance Co	$237	$40
AAA	$243	$41
Iowa Farm Bureau	$243	$41
Farmers Union Insurance	$254	$43
Umialik	$315	$54
Travelers	$806	$136
Auto-Owners	$1160	$195
USAA	$1232	$207
American Family	$1492	$251
State Farm	$1790	$301
Allstate	$2999	$505
Farmers	$5220	$870

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 Hector.

As young drivers face the highest rates in Hector, Farm Bureau Mutual offers the cheapest auto insurance rates at $618 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 Hector, West Bend Mutual is the cheapest car insurance provider. At $237 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 Hector is State Farm, offering rates of around $4784 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$237	$40
Westfield	$293	$48
Farmers Union Insurance	$326	$56
Iowa Farm Bureau	$458	$76
AAA	$519	$88
American Family	$994	$167
USAA	$1381	$235
Travelers	$1652	$275
Auto-Owners	$2238	$380
Farmers	$2734	$456
Allstate	$3093	$526
State Farm	$4784	$797

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

Car Insurance Rates with An Accident in Hector

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

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

The cheapest car insurance companies after an at-fault accident in Hector include Westfield and Umialik, offering $193 and $243, respectively. Nationwide is an expensive provider with an average six-month premium of $381.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$193	$33
Umialik	$243	$41
Western National	$265	$45
Iowa Farm Bureau	$299	$51
Auto-Owners Insurance Co	$315	$52
Farmers Union Insurance	$321	$55
AAA	$326	$54
West Bend Mutual	$326	$56
North Star Mutual	$342	$57
North Star Mutual Insurance	$376	$64
Encompass	$409	$68
Auto-Owners	$591	$100
State Farm	$624	$105
Travelers	$658	$111
USAA	$757	$127
American Family	$917	$154
Allstate	$2000	$337
Farmers	$2149	$365
Nationwide	$381	$63

Hector Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hector MN. For example, the car insurance in Hector after a DUI increases to $1017 for a six month policy. While the rate increases by $210 for a six-month policy in the case of a speeding ticket.

Hector auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$950	$158
One Med/PIP claim	$962	$164
Not-at-fault accident	$977	$163
One comp claim	$1011	$172
Two Med/PIP claims	$1011	$168
Two comp claims	$1056	$179
Failure to wear a seat belt	$1083	$180
Failure to show documents	$1099	$187
Child safety restraint	$1116	$186
Driving without lights	$1116	$190
Driving with expired registration	$1138	$190
Cell phone violation	$1160	$197
Speeding 6 - 10 MPH over limit	$1160	$193
Texting while driving	$1160	$197
Following too closely	$1171	$195
Driving too slowly	$1176	$200
Failure to yield	$1176	$196
Illegal turn	$1176	$200
Speeding in school zone	$1176	$196
Wrong way/wrong lane	$1176	$200
Failure to stop at a red light	$1182	$197
Improper passing	$1182	$201
Speeding 11 - 15 MPH over limit	$1188	$198
Speeding 16 - 20 MPH over limit	$1199	$204
At-fault accident - less than $1000	$1227	$205
Passing school bus	$1227	$208
In 65 MPH zone	$1232	$206
Operating a vehicle without permission	$1238	$210
Speeding 21 - 25 MPH over limit	$1276	$213
At-fault accident - $1000-$2000	$1364	$232
Open container	$1370	$229
At-fault accident - greater than $2000	$1398	$238
Reckless driving	$1712	$286
Racing	$1768	$300
Driving with a suspended license	$1879	$313
Refusal to submit to a chemical test	$1900	$323
DUI	$1967	$327
Leaving scene of an accident/hit and run	$2039	$347

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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 Hector 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 Hector.

The cheapest car insurance premiums in Hector are offered by Umialik at $243 for a six-month policy. However, it can be as expensive as $2176 with companies like Farmers.

Hector car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$243	$41
West Bend Mutual	$254	$43
Western National	$254	$43
Farmers Union Insurance	$304	$52
Westfield	$342	$57
Iowa Farm Bureau	$447	$76
Country Financial	$475	$79
Auto-Owners Insurance Co	$508	$86
Travelers	$691	$116
State Farm	$735	$124
American Family	$829	$140
Auto-Owners	$983	$166
USAA	$1000	$168
Allstate	$2061	$347
Farmers	$2176	$363

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 Hector are offered by Westfield at $160. However, it can be as expensive as $2077 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hector after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$160	$27
Iowa Farm Bureau	$254	$43
West Bend Mutual	$254	$43
Western National	$254	$43
Auto-Owners Insurance Co	$265	$45
Farmers Union Insurance	$287	$49
State Farm	$519	$87
American Family	$597	$100
USAA	$707	$118
Auto-Owners	$718	$122
Travelers	$740	$124
Farmers	$1806	$307
Allstate	$2077	$346

Car Insurance Price Trends in Hector, Minnesota

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

The average cost of full coverage in the Hector rose by $165 in December compared to $164 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 Hector remained steady at $46 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 Hector?

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

What is the cheapest car insurance in Hector?

The cheapest car insurance in Hector is $68 per month for full coverage.

How much is car insurance in Hector for teenagers?

Car insurance for teenagers costs $160 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 Hector?

The average cost of car insurance is $803 for a six-month policy. It will cost around $125 per month to insure your car in Hector.

Is car insurance expensive in Hector?

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

Cheapest Car Insurance Quotes in Hector

Why you can trust Way?

How Much Is Car Insurance in Hector

Avg. Car Insurance in Hector

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Hector

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

Hector Car Insurance Rates by Company

Cheap Car Insurance Companies in Hector, MN

Way's key takeaways about car insurance in Hector

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hector

Cheapest Liability Coverage in Hector, MN

Cheapest Full Coverage Car Insurance in Hector

Cheapest Full Coverage Car Insurance Quotes in Hector, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hector by Rating Factor

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

Car Insurance Premiums by Age in Hector

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hector,MN

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

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 Hector

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

Hector Car Insurance Rates by Violation

Hector auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hector after a DUI

Hector car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hector after Speeding ticket

Car Insurance Price Trends in Hector, Minnesota

Average Car Insurance Cost in Hector by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hector, MN

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

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