Cheapest Car Insurance Quotes in Kettle River

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Kettle River Car Insurance

^$ 25

/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 Kettle River

The car insurance rate in Kettle River is $835 for a six-month policy, which is $32 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $445, making it a popular choice for budget-conscious drivers. Rates in Kettle River 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 Kettle River

$835

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Kettle River

1st place: AAA

At $445 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 $538 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 $544 for six months, making it the third cheapest auto insurance company in Kettle River.

Kettle River Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kettle River, MN is AAA, offering policies at just $445 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $538.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1612 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kettle River drivers find the best deals.

Cheap Car Insurance Companies in Kettle River, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$445	$76
Iowa Farm Bureau	$538	$89
Auto-Owners Insurance Co	$544	$93
Westfield	$544	$90
American Family	$661	$111
Travelers	$704	$119
West Bend Mutual	$704	$119
Nationwide	$834	$139
USAA	$847	$142
Auto-Owners	$914	$154
State Farm	$1032	$174
West Bend	$1038	$173
Allstate	$1279	$215
Farmers	$1612	$268

Key Takeaways

Way's key takeaways about car insurance in Kettle River

The auto insurance costs in Kettle River fall around $445 for six months.
The cheapest auto insurance company in Kettle River is Westfield.
Teen drivers pay the highest rate in Kettle River at $973 per month.

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

Cheapest Minimum Liability Car Insurance in Kettle River

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 Kettle River are given below.

Westfield provides the cheapest minimum car insurance coverage in Kettle River. Their Average 6 Month Premium is $149. Nationwide is the most expensive at $321 for the same period.

Cheapest Liability Coverage in Kettle River, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$149	$25
West Bend Mutual	$210	$35
AAA	$216	$36
North Star Mutual	$229	$38
North Star Mutual Insurance	$229	$38
USAA	$229	$38
Auto-Owners	$259	$44
Auto-Owners Insurance Co	$259	$44
Iowa Farm Bureau	$259	$44
West Bend	$259	$44
Farmers Union Insurance	$265	$45
Travelers	$284	$48
American Family	$296	$50
State Farm	$296	$50
Western National	$315	$54
Allstate	$513	$86
Farmers	$723	$123
Nationwide	$321	$53

Cheapest Full Coverage Car Insurance in Kettle River

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 Kettle River is AAA at $76 per month and $445 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kettle River, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$445	$76
Iowa Farm Bureau	$538	$89
Auto-Owners Insurance Co	$544	$93
Westfield	$544	$90
American Family	$661	$111
Travelers	$704	$119
West Bend Mutual	$704	$119
Nationwide	$834	$139
USAA	$847	$142
Auto-Owners	$914	$154
State Farm	$1032	$174
West Bend	$1038	$173
Allstate	$1279	$215
Farmers	$1612	$268

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Average Car Insurance in Kettle River 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 Kettle River, MN increasing?

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

Car Insurance Premiums by Age in Kettle River

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	$692
30s	Farm Bureau Mutual	$494
40s	Farm Bureau Mutual	$489
50s	Farm Bureau Mutual	$411
60s	Farm Bureau Mutual	$421
70s	Farm Bureau Mutual	$494

Cheapest Car Insurance Rates for Teen Drivers in Kettle River,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Kettle River at $30 per month. At $5838 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$179	$30
North Star Mutual Insurance	$248	$42
Auto-Owners Insurance Co	$265	$45
AAA	$271	$46
Iowa Farm Bureau	$271	$46
Farmers Union Insurance	$284	$48
Umialik	$353	$60
Travelers	$902	$152
Auto-Owners	$1297	$218
USAA	$1378	$232
American Family	$1668	$281
State Farm	$2002	$337
Allstate	$3354	$565
Farmers	$5838	$973

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 Kettle River.

As young drivers face the highest rates in Kettle River, Farm Bureau Mutual offers the cheapest auto insurance rates at $692 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 Kettle River, West Bend Mutual is the cheapest car insurance provider. At $265 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 Kettle River is State Farm, offering rates of around $5350 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$265	$45
Westfield	$328	$54
Farmers Union Insurance	$364	$62
Iowa Farm Bureau	$513	$85
AAA	$580	$99
American Family	$1112	$187
USAA	$1544	$263
Travelers	$1847	$308
Auto-Owners	$2502	$425
Farmers	$3058	$510
Allstate	$3459	$589
State Farm	$5350	$891

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

Car Insurance Rates with An Accident in Kettle River

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

Cheapest Car Insurance Companies after an At-Fault Accident in Kettle River

The cheapest car insurance companies after an at-fault accident in Kettle River include Westfield and Umialik, offering $216 and $271, respectively. Nationwide is an expensive provider with an average six-month premium of $426.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$216	$36
Umialik	$271	$46
Western National	$296	$50
Iowa Farm Bureau	$334	$57
Auto-Owners Insurance Co	$353	$58
Farmers Union Insurance	$359	$61
AAA	$364	$60
West Bend Mutual	$364	$62
North Star Mutual	$383	$63
North Star Mutual Insurance	$420	$72
Encompass	$458	$76
Auto-Owners	$661	$111
State Farm	$698	$118
Travelers	$735	$124
USAA	$847	$142
American Family	$1025	$173
Allstate	$2236	$376
Farmers	$2403	$409
Nationwide	$426	$71

Kettle River Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Kettle River MN. For example, the car insurance in Kettle River after a DUI increases to $1137 for a six month policy. While the rate increases by $234 for a six-month policy in the case of a speeding ticket.

Kettle River auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1063	$177
One Med/PIP claim	$1075	$183
Not-at-fault accident	$1093	$182
One comp claim	$1130	$192
Two Med/PIP claims	$1130	$188
Two comp claims	$1180	$201
Failure to wear a seat belt	$1211	$202
Failure to show documents	$1229	$209
Child safety restraint	$1248	$208
Driving without lights	$1248	$212
Driving with expired registration	$1273	$212
Cell phone violation	$1297	$220
Speeding 6 - 10 MPH over limit	$1297	$216
Texting while driving	$1297	$220
Following too closely	$1309	$218
Driving too slowly	$1316	$224
Failure to yield	$1316	$219
Illegal turn	$1316	$224
Speeding in school zone	$1316	$219
Wrong way/wrong lane	$1316	$224
Failure to stop at a red light	$1322	$220
Improper passing	$1322	$225
Speeding 11 - 15 MPH over limit	$1328	$222
Speeding 16 - 20 MPH over limit	$1341	$228
At-fault accident - less than $1000	$1372	$229
Passing school bus	$1372	$233
In 65 MPH zone	$1378	$230
Operating a vehicle without permission	$1384	$235
Speeding 21 - 25 MPH over limit	$1427	$238
At-fault accident - $1000-$2000	$1526	$259
Open container	$1532	$256
At-fault accident - greater than $2000	$1563	$266
Reckless driving	$1915	$319
Racing	$1977	$336
Driving with a suspended license	$2101	$350
Refusal to submit to a chemical test	$2125	$361
DUI	$2200	$366
Leaving scene of an accident/hit and run	$2280	$388

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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 Kettle River 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 Kettle River.

The cheapest car insurance premiums in Kettle River are offered by Umialik at $271 for a six-month policy. However, it can be as expensive as $2434 with companies like Farmers.

Kettle River car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$271	$46
West Bend Mutual	$284	$48
Western National	$284	$48
Farmers Union Insurance	$340	$58
Westfield	$383	$63
Iowa Farm Bureau	$500	$85
Country Financial	$531	$88
Auto-Owners Insurance Co	$568	$97
Travelers	$773	$130
State Farm	$822	$138
American Family	$927	$156
Auto-Owners	$1099	$185
USAA	$1118	$188
Allstate	$2305	$388
Farmers	$2434	$406

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 Kettle River are offered by Westfield at $179. However, it can be as expensive as $2322 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Kettle River after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$179	$30
Iowa Farm Bureau	$284	$48
West Bend Mutual	$284	$48
Western National	$284	$48
Auto-Owners Insurance Co	$296	$50
Farmers Union Insurance	$321	$55
State Farm	$580	$98
American Family	$668	$112
USAA	$790	$132
Auto-Owners	$803	$136
Travelers	$828	$138
Farmers	$2020	$343
Allstate	$2322	$387

Car Insurance Price Trends in Kettle River, Minnesota

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

The average cost of full coverage in the Kettle River rose by $184 in December compared to $183 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 Kettle River remained steady at $51 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 Kettle River?

The car insurance in Kettle River is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Kettle River?

The cheapest car insurance in Kettle River is $76 per month for full coverage.

How much is car insurance in Kettle River for teenagers?

Car insurance for teenagers costs $179 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 Kettle River?

The average cost of car insurance is $803 for a six-month policy. It will cost around $139 per month to insure your car in Kettle River.

Is car insurance expensive in Kettle River?

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

Cheapest Car Insurance Quotes in Kettle River

Why you can trust Way?

How Much Is Car Insurance in Kettle River

Avg. Car Insurance in Kettle River

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Kettle River

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

Kettle River Car Insurance Rates by Company

Cheap Car Insurance Companies in Kettle River, MN

Way's key takeaways about car insurance in Kettle River

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Kettle River

Cheapest Liability Coverage in Kettle River, MN

Cheapest Full Coverage Car Insurance in Kettle River

Cheapest Full Coverage Car Insurance Quotes in Kettle River, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Kettle River by Rating Factor

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

Car Insurance Premiums by Age in Kettle River

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Kettle River,MN

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

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 Kettle River

Cheapest Car Insurance Companies after an At-Fault Accident in Kettle River

Kettle River Car Insurance Rates by Violation

Kettle River auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Kettle River after a DUI

Kettle River car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Kettle River after Speeding ticket

Car Insurance Price Trends in Kettle River, Minnesota

Average Car Insurance Cost in Kettle River by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Kettle River, MN

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

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