Cheapest Car Insurance Quotes in Hillman

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Hillman Car Insurance

^$ 27

/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 Hillman

The car insurance rate in Hillman is $915 for a six-month policy, which is $112 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $488, making it a popular choice for budget-conscious drivers. Rates in Hillman 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 Hillman

$915

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Hillman

1st place: AAA

At $488 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 $589 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 $596 for six months, making it the third cheapest auto insurance company in Hillman.

Hillman Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hillman, MN is AAA, offering policies at just $488 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $589.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1767 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hillman drivers find the best deals.

Cheap Car Insurance Companies in Hillman, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$488	$83
Iowa Farm Bureau	$589	$98
Auto-Owners Insurance Co	$596	$101
Westfield	$596	$99
American Family	$725	$122
Travelers	$772	$130
West Bend Mutual	$772	$130
Nationwide	$914	$153
USAA	$928	$156
Auto-Owners	$1002	$169
State Farm	$1131	$190
West Bend	$1138	$189
Allstate	$1402	$236
Farmers	$1767	$294

Key Takeaways

Way's key takeaways about car insurance in Hillman

The auto insurance costs in Hillman fall around $488 for six months.
The cheapest auto insurance company in Hillman is Westfield.
Teen drivers pay the highest rate in Hillman at $1067 per month.

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Cheapest Minimum Liability Car Insurance in Hillman

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 Hillman are given below.

Westfield provides the cheapest minimum car insurance coverage in Hillman. Their Average 6 Month Premium is $163. Nationwide is the most expensive at $352 for the same period.

Cheapest Liability Coverage in Hillman, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$163	$27
West Bend Mutual	$230	$39
AAA	$237	$40
North Star Mutual	$251	$42
North Star Mutual Insurance	$251	$42
USAA	$251	$42
Auto-Owners	$284	$48
Auto-Owners Insurance Co	$284	$48
Iowa Farm Bureau	$284	$48
West Bend	$284	$48
Farmers Union Insurance	$291	$49
Travelers	$311	$52
American Family	$325	$55
State Farm	$325	$55
Western National	$345	$59
Allstate	$562	$95
Farmers	$792	$135
Nationwide	$352	$58

Cheapest Full Coverage Car Insurance in Hillman

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 Hillman is AAA at $83 per month and $488 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hillman, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$488	$83
Iowa Farm Bureau	$589	$98
Auto-Owners Insurance Co	$596	$101
Westfield	$596	$99
American Family	$725	$122
Travelers	$772	$130
West Bend Mutual	$772	$130
Nationwide	$914	$153
USAA	$928	$156
Auto-Owners	$1002	$169
State Farm	$1131	$190
West Bend	$1138	$189
Allstate	$1402	$236
Farmers	$1767	$294

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Average Car Insurance in Hillman 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 Hillman, MN increasing?

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

Car Insurance Premiums by Age in Hillman

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	$758
30s	Farm Bureau Mutual	$542
40s	Farm Bureau Mutual	$536
50s	Farm Bureau Mutual	$450
60s	Farm Bureau Mutual	$462
70s	Farm Bureau Mutual	$542

Cheapest Car Insurance Rates for Teen Drivers in Hillman,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Hillman at $33 per month. At $6399 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$196	$33
North Star Mutual Insurance	$271	$46
Auto-Owners Insurance Co	$291	$49
AAA	$298	$50
Iowa Farm Bureau	$298	$50
Farmers Union Insurance	$311	$52
Umialik	$386	$66
Travelers	$988	$166
Auto-Owners	$1422	$239
USAA	$1510	$254
American Family	$1829	$308
State Farm	$2195	$369
Allstate	$3676	$619
Farmers	$6399	$1067

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 Hillman.

As young drivers face the highest rates in Hillman, Farm Bureau Mutual offers the cheapest auto insurance rates at $758 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 Hillman, West Bend Mutual is the cheapest car insurance provider. At $291 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 Hillman is State Farm, offering rates of around $5864 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$291	$49
Westfield	$359	$59
Farmers Union Insurance	$399	$68
Iowa Farm Bureau	$562	$93
AAA	$636	$108
American Family	$1219	$205
USAA	$1693	$288
Travelers	$2025	$337
Auto-Owners	$2743	$466
Farmers	$3352	$559
Allstate	$3792	$645
State Farm	$5864	$977

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Hillman

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

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

The cheapest car insurance companies after an at-fault accident in Hillman include Westfield and Umialik, offering $237 and $298, respectively. Nationwide is an expensive provider with an average six-month premium of $467.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$237	$40
Umialik	$298	$50
Western National	$325	$55
Iowa Farm Bureau	$366	$63
Auto-Owners Insurance Co	$386	$64
Farmers Union Insurance	$393	$67
AAA	$399	$66
West Bend Mutual	$399	$68
North Star Mutual	$420	$70
North Star Mutual Insurance	$461	$79
Encompass	$502	$83
Auto-Owners	$725	$122
State Farm	$765	$129
Travelers	$806	$136
USAA	$928	$156
American Family	$1124	$189
Allstate	$2451	$413
Farmers	$2635	$448
Nationwide	$467	$78

Hillman Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hillman MN. For example, the car insurance in Hillman after a DUI increases to $1246 for a six month policy. While the rate increases by $257 for a six-month policy in the case of a speeding ticket.

Hillman auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1165	$194
One Med/PIP claim	$1179	$201
Not-at-fault accident	$1198	$199
One comp claim	$1239	$211
Two Med/PIP claims	$1239	$206
Two comp claims	$1294	$220
Failure to wear a seat belt	$1327	$221
Failure to show documents	$1347	$229
Child safety restraint	$1368	$228
Driving without lights	$1368	$233
Driving with expired registration	$1395	$233
Cell phone violation	$1422	$242
Speeding 6 - 10 MPH over limit	$1422	$237
Texting while driving	$1422	$242
Following too closely	$1435	$239
Driving too slowly	$1442	$245
Failure to yield	$1442	$241
Illegal turn	$1442	$245
Speeding in school zone	$1442	$241
Wrong way/wrong lane	$1442	$245
Failure to stop at a red light	$1449	$242
Improper passing	$1449	$246
Speeding 11 - 15 MPH over limit	$1456	$243
Speeding 16 - 20 MPH over limit	$1469	$250
At-fault accident - less than $1000	$1504	$251
Passing school bus	$1504	$255
In 65 MPH zone	$1510	$252
Operating a vehicle without permission	$1517	$258
Speeding 21 - 25 MPH over limit	$1564	$261
At-fault accident - $1000-$2000	$1672	$284
Open container	$1679	$280
At-fault accident - greater than $2000	$1713	$292
Reckless driving	$2099	$350
Racing	$2167	$368
Driving with a suspended license	$2303	$384
Refusal to submit to a chemical test	$2329	$396
DUI	$2411	$401
Leaving scene of an accident/hit and run	$2499	$425

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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 Hillman 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 Hillman.

The cheapest car insurance premiums in Hillman are offered by Umialik at $298 for a six-month policy. However, it can be as expensive as $2668 with companies like Farmers.

Hillman car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$298	$50
West Bend Mutual	$311	$52
Western National	$311	$52
Farmers Union Insurance	$373	$64
Westfield	$420	$70
Iowa Farm Bureau	$548	$93
Country Financial	$583	$97
Auto-Owners Insurance Co	$622	$106
Travelers	$847	$143
State Farm	$901	$152
American Family	$1016	$171
Auto-Owners	$1205	$203
USAA	$1226	$206
Allstate	$2526	$425
Farmers	$2668	$445

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 Hillman are offered by Westfield at $196. However, it can be as expensive as $2546 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hillman after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$196	$33
Iowa Farm Bureau	$311	$52
West Bend Mutual	$311	$52
Western National	$311	$52
Auto-Owners Insurance Co	$325	$55
Farmers Union Insurance	$352	$60
State Farm	$636	$107
American Family	$732	$123
USAA	$866	$145
Auto-Owners	$880	$149
Travelers	$907	$152
Farmers	$2214	$376
Allstate	$2546	$424

Car Insurance Price Trends in Hillman, Minnesota

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

The average cost of full coverage in the Hillman rose by $202 in December compared to $201 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 Hillman remained steady at $56 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 Hillman?

The car insurance in Hillman is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Hillman?

The cheapest car insurance in Hillman is $83 per month for full coverage.

How much is car insurance in Hillman for teenagers?

Car insurance for teenagers costs $196 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 Hillman?

The average cost of car insurance is $803 for a six-month policy. It will cost around $153 per month to insure your car in Hillman.

Is car insurance expensive in Hillman?

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

Cheapest Car Insurance Quotes in Hillman

Why you can trust Way?

How Much Is Car Insurance in Hillman

Avg. Car Insurance in Hillman

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Hillman

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

Hillman Car Insurance Rates by Company

Cheap Car Insurance Companies in Hillman, MN

Way's key takeaways about car insurance in Hillman

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hillman

Cheapest Liability Coverage in Hillman, MN

Cheapest Full Coverage Car Insurance in Hillman

Cheapest Full Coverage Car Insurance Quotes in Hillman, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hillman by Rating Factor

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

Car Insurance Premiums by Age in Hillman

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hillman,MN

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

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 Hillman

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

Hillman Car Insurance Rates by Violation

Hillman auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hillman after a DUI

Hillman car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hillman after Speeding ticket

Car Insurance Price Trends in Hillman, Minnesota

Average Car Insurance Cost in Hillman by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hillman, MN

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

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