Cheapest Car Insurance Quotes in International Falls

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International 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 International Falls

The car insurance rate in International Falls is $878 for a six-month policy, which is $66 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $481, making it a popular choice for budget-conscious drivers. Rates in International 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 International Falls

$878

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in International Falls

1st place: Iowa Farm Bureau

At $481 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 $486 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $486 for six months, making it the third cheapest auto insurance company in International Falls.

International Falls Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in International Falls, MN is Iowa Farm Bureau, offering policies at just $481 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $486.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1580 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help International Falls drivers find the best deals.

Cheap Car Insurance Companies in International Falls, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$481	$82
Auto-Owners Insurance Co	$486	$81
Westfield	$486	$83
American Family	$508	$86
West Bend Mutual	$630	$106
Travelers	$674	$113
Nationwide	$746	$126
USAA	$779	$131
AAA	$806	$136
Auto-Owners	$862	$145
West Bend	$928	$158
State Farm	$972	$164
Western National	$1254	$213
Allstate	$1315	$221
North Star Mutual	$1541	$262
Farmers	$1580	$263

Key Takeaways

Way's key takeaways about car insurance in International Falls

The auto insurance costs in International Falls fall around $481 for six months.
The cheapest auto insurance company in International Falls is Westfield.
Teen drivers pay the highest rate in International Falls at $950 per month.

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

Cheapest Minimum Liability Car Insurance in International 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 International Falls are given below.

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

Cheapest Liability Coverage in International Falls, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$133	$22
West Bend Mutual	$188	$32
North Star Mutual Insurance	$205	$34
USAA	$221	$37
Auto-Owners Insurance Co	$232	$39
Iowa Farm Bureau	$232	$39
West Bend	$232	$39
Farmers Union Insurance	$237	$40
Auto-Owners	$243	$41
North Star Mutual	$243	$41
AAA	$271	$46
American Family	$271	$46
Travelers	$271	$46
State Farm	$293	$49
Western National	$310	$52
Allstate	$453	$76
Farmers	$641	$109
Nationwide	$287	$47

Cheapest Full Coverage Car Insurance in International 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 International Falls is Iowa Farm Bureau at $82 per month and $481 for six months.

Cheapest Full Coverage Car Insurance Quotes in International Falls, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$481	$82
Auto-Owners Insurance Co	$486	$81
Westfield	$486	$83
American Family	$508	$86
West Bend Mutual	$630	$106
Travelers	$674	$113
Nationwide	$746	$126
USAA	$779	$131
AAA	$806	$136
Auto-Owners	$862	$145
West Bend	$928	$158
State Farm	$972	$164
Western National	$1254	$213
Allstate	$1315	$221
North Star Mutual	$1541	$262
Farmers	$1580	$263

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Average Car Insurance in International 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 International Falls, MN increasing?

Despite maintaining a clean driving record, your car insurance rates in International 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, International 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 International 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	$608
30s	Farm Bureau Mutual	$434
40s	Farm Bureau Mutual	$430
50s	Farm Bureau Mutual	$362
60s	Farm Bureau Mutual	$370
70s	Farm Bureau Mutual	$434

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

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the International Falls at $27 per month. At $5695 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
Iowa Farm Bureau	$243	$41
Farmers Union Insurance	$254	$43
Umialik	$315	$52
American Family	$862	$145
Travelers	$967	$163
Auto-Owners	$1265	$213
USAA	$1293	$218
State Farm	$1928	$325
AAA	$1945	$327
Allstate	$3099	$522
North Star Mutual	$3248	$541
Western National	$3613	$615
Farmers	$5695	$950

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 International Falls.

As young drivers face the highest rates in International Falls, Farm Bureau Mutual offers the cheapest auto insurance rates at $608 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 International Falls, 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 International Falls is State Farm, offering rates of around $6304 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
American Family	$470	$80
USAA	$1535	$256
AAA	$1712	$288
Travelers	$2204	$367
North Star Mutual	$2552	$434
Auto-Owners	$2663	$444
Farmers	$2928	$498
Western National	$3061	$510
Allstate	$3668	$624
State Farm	$6304	$1051

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

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

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

The cheapest car insurance companies after an at-fault accident in International Falls 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
Iowa Farm Bureau	$299	$49
Auto-Owners Insurance Co	$315	$54
Farmers Union Insurance	$321	$53
West Bend Mutual	$326	$56
North Star Mutual Insurance	$376	$62
Encompass	$409	$70
American Family	$575	$97
Western National	$597	$100
Auto-Owners	$641	$108
State Farm	$663	$112
Travelers	$740	$125
USAA	$795	$134
AAA	$1259	$212
North Star Mutual	$1492	$251
Farmers	$2326	$388
Allstate	$2409	$405
Nationwide	$381	$63

International Falls Car Insurance Rates by Violation

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

International Falls 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 International 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 International Falls.

The cheapest car insurance premiums in International Falls are offered by Umialik at $243 for a six-month policy. However, it can be as expensive as $4414 with companies like AAA.

International Falls car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$243	$41
West Bend Mutual	$254	$43
Farmers Union Insurance	$304	$50
Westfield	$342	$59
Iowa Farm Bureau	$447	$74
Country Financial	$475	$81
Auto-Owners Insurance Co	$508	$85
American Family	$536	$90
Western National	$757	$127
Travelers	$763	$128
State Farm	$972	$164
USAA	$1050	$177
Auto-Owners	$1083	$182
Farmers	$2358	$401
Allstate	$2503	$421
North Star Mutual	$4408	$750
AAA	$4414	$736

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 International Falls are offered by Westfield at $160. However, it can be as expensive as $2768 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in International Falls after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$160	$27
Iowa Farm Bureau	$254	$43
West Bend Mutual	$254	$43
Auto-Owners Insurance Co	$265	$45
American Family	$282	$47
Farmers Union Insurance	$287	$49
State Farm	$607	$102
Western National	$757	$127
USAA	$801	$134
Auto-Owners	$884	$151
Travelers	$962	$160
North Star Mutual	$1541	$262
Farmers	$1983	$330
AAA	$2055	$350
Allstate	$2768	$461

Car Insurance Price Trends in International Falls, Minnesota

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

The average cost of full coverage in the International Falls rose by $200 in January compared to $165 of December. In other words, there has been an increase by $35 when you compare January and December.

The average cost of liability insurance in the International Falls rose to $47 in January, compared to $46 in December. This represents an increase of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in International Falls?

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

What is the cheapest car insurance in International Falls?

The cheapest car insurance in International Falls is $82 per month for full coverage.

How much is car insurance in International Falls 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 International Falls?

The average cost of car insurance is $944 for a six-month policy. It will cost around $148 per month to insure your car in International Falls.

Is car insurance expensive in International Falls?

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

Cheapest Car Insurance Quotes in International Falls

Why you can trust Way?

How Much Is Car Insurance in International Falls

Avg. Car Insurance in International Falls

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in International Falls

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

International Falls Car Insurance Rates by Company

Cheap Car Insurance Companies in International Falls, MN

Way's key takeaways about car insurance in International Falls

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in International Falls

Cheapest Liability Coverage in International Falls, MN

Cheapest Full Coverage Car Insurance in International Falls

Cheapest Full Coverage Car Insurance Quotes in International Falls, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in International Falls by Rating Factor

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

Car Insurance Premiums by Age in International Falls

Cheapest Car Insurance Companies Based on Age Group

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

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

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

International Falls Car Insurance Rates by Violation

International Falls auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in International Falls after a DUI

International Falls car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in International Falls after Speeding ticket

Car Insurance Price Trends in International Falls, Minnesota

Average Car Insurance Cost in International Falls by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near International Falls, MN

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

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