Cheapest Car Insurance Quotes in La Salle

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La Salle Car Insurance

^$ 20

/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 La Salle

The car insurance rate in La Salle is $802 for a six-month policy, which is $142 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $439, making it a popular choice for budget-conscious drivers. Rates in La Salle 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 La Salle

$802

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in La Salle

1st place: Iowa Farm Bureau

At $439 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 $445 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $445 for six months, making it the third cheapest auto insurance company in La Salle.

La Salle Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in La Salle, MN is Iowa Farm Bureau, offering policies at just $439 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $445.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1444 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help La Salle drivers find the best deals.

Cheap Car Insurance Companies in La Salle, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$439	$75
Auto-Owners Insurance Co	$445	$74
Westfield	$445	$76
American Family	$464	$78
West Bend Mutual	$575	$97
Travelers	$616	$104
Nationwide	$682	$116
USAA	$712	$120
AAA	$737	$124
Auto-Owners	$788	$133
West Bend	$848	$145
State Farm	$888	$150
Western National	$1146	$195
Allstate	$1202	$202
North Star Mutual	$1408	$240
Farmers	$1444	$241

Key Takeaways

Way's key takeaways about car insurance in La Salle

The auto insurance costs in La Salle fall around $439 for six months.
The cheapest auto insurance company in La Salle is Westfield.
Teen drivers pay the highest rate in La Salle at $868 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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Cheapest Minimum Liability Car Insurance in La Salle

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 La Salle are given below.

Westfield provides the cheapest minimum car insurance coverage in La Salle. Their Average 6 Month Premium is $122. Nationwide is the most expensive at $263 for the same period.

Cheapest Liability Coverage in La Salle, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$122	$20
West Bend Mutual	$172	$29
North Star Mutual Insurance	$187	$31
USAA	$202	$34
Auto-Owners Insurance Co	$212	$36
Iowa Farm Bureau	$212	$36
West Bend	$212	$36
Farmers Union Insurance	$217	$37
Auto-Owners	$222	$37
North Star Mutual	$222	$37
AAA	$247	$42
American Family	$247	$42
Travelers	$247	$42
State Farm	$268	$45
Western National	$283	$48
Allstate	$414	$70
Farmers	$586	$99
Nationwide	$263	$43

Cheapest Full Coverage Car Insurance in La Salle

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 La Salle is Iowa Farm Bureau at $75 per month and $439 for six months.

Cheapest Full Coverage Car Insurance Quotes in La Salle, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$439	$75
Auto-Owners Insurance Co	$445	$74
Westfield	$445	$76
American Family	$464	$78
West Bend Mutual	$575	$97
Travelers	$616	$104
Nationwide	$682	$116
USAA	$712	$120
AAA	$737	$124
Auto-Owners	$788	$133
West Bend	$848	$145
State Farm	$888	$150
Western National	$1146	$195
Allstate	$1202	$202
North Star Mutual	$1408	$240
Farmers	$1444	$241

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Average Car Insurance in La Salle 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 La Salle, MN increasing?

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

Car Insurance Premiums by Age in La Salle

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	$556
30s	Farm Bureau Mutual	$397
40s	Farm Bureau Mutual	$393
50s	Farm Bureau Mutual	$331
60s	Farm Bureau Mutual	$338
70s	Farm Bureau Mutual	$397

Cheapest Car Insurance Rates for Teen Drivers in La Salle,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the La Salle at $25 per month. At $5205 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$146	$25
North Star Mutual Insurance	$202	$34
Auto-Owners Insurance Co	$217	$37
Iowa Farm Bureau	$222	$37
Farmers Union Insurance	$232	$39
Umialik	$288	$48
American Family	$788	$133
Travelers	$884	$149
Auto-Owners	$1156	$195
USAA	$1182	$199
State Farm	$1762	$297
AAA	$1777	$299
Allstate	$2832	$477
North Star Mutual	$2969	$495
Western National	$3302	$562
Farmers	$5205	$868

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 La Salle.

As young drivers face the highest rates in La Salle, Farm Bureau Mutual offers the cheapest auto insurance rates at $556 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 La Salle, West Bend Mutual is the cheapest car insurance provider. At $217 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 La Salle is State Farm, offering rates of around $5761 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$217	$37
Westfield	$268	$44
Farmers Union Insurance	$298	$51
Iowa Farm Bureau	$419	$70
American Family	$429	$73
USAA	$1403	$234
AAA	$1565	$264
Travelers	$2015	$336
North Star Mutual	$2332	$397
Auto-Owners	$2434	$405
Farmers	$2676	$455
Western National	$2797	$466
Allstate	$3352	$570
State Farm	$5761	$961

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

Car Insurance Rates with An Accident in La Salle

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

Cheapest Car Insurance Companies after an At-Fault Accident in La Salle

The cheapest car insurance companies after an at-fault accident in La Salle include Westfield and Umialik, offering $177 and $222, respectively. Nationwide is an expensive provider with an average six-month premium of $349.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$177	$30
Umialik	$222	$37
Iowa Farm Bureau	$273	$45
Auto-Owners Insurance Co	$288	$49
Farmers Union Insurance	$293	$48
West Bend Mutual	$298	$51
North Star Mutual Insurance	$343	$57
Encompass	$374	$64
American Family	$525	$88
Western National	$546	$92
Auto-Owners	$586	$99
State Farm	$606	$102
Travelers	$677	$114
USAA	$727	$122
AAA	$1151	$194
North Star Mutual	$1363	$230
Farmers	$2126	$354
Allstate	$2202	$371
Nationwide	$349	$58

La Salle Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in La Salle MN. For example, the car insurance in La Salle after a DUI increases to $929 for a six month policy. While the rate increases by $191 for a six-month policy in the case of a speeding ticket.

La Salle auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$869	$145
One Med/PIP claim	$879	$150
Not-at-fault accident	$893	$149
One comp claim	$924	$157
Two Med/PIP claims	$924	$154
Two comp claims	$965	$164
Failure to wear a seat belt	$989	$165
Failure to show documents	$1005	$171
Child safety restraint	$1020	$170
Driving without lights	$1020	$173
Driving with expired registration	$1040	$173
Cell phone violation	$1060	$180
Speeding 6 - 10 MPH over limit	$1060	$177
Texting while driving	$1060	$180
Following too closely	$1070	$179
Driving too slowly	$1075	$183
Failure to yield	$1075	$179
Illegal turn	$1075	$183
Speeding in school zone	$1075	$179
Wrong way/wrong lane	$1075	$183
Failure to stop at a red light	$1080	$180
Improper passing	$1080	$184
Speeding 11 - 15 MPH over limit	$1085	$181
Speeding 16 - 20 MPH over limit	$1096	$186
At-fault accident - less than $1000	$1121	$187
Passing school bus	$1121	$190
In 65 MPH zone	$1126	$188
Operating a vehicle without permission	$1131	$192
Speeding 21 - 25 MPH over limit	$1166	$195
At-fault accident - $1000-$2000	$1247	$212
Open container	$1252	$209
At-fault accident - greater than $2000	$1278	$218
Reckless driving	$1565	$261
Racing	$1616	$275
Driving with a suspended license	$1717	$286
Refusal to submit to a chemical test	$1737	$295
DUI	$1798	$299
Leaving scene of an accident/hit and run	$1863	$317

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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 La Salle 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 La Salle.

The cheapest car insurance premiums in La Salle are offered by Umialik at $222 for a six-month policy. However, it can be as expensive as $4034 with companies like AAA.

La Salle car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$222	$37
West Bend Mutual	$232	$39
Farmers Union Insurance	$278	$46
Westfield	$313	$54
Iowa Farm Bureau	$409	$68
Country Financial	$434	$74
Auto-Owners Insurance Co	$464	$77
American Family	$490	$82
Western National	$692	$116
Travelers	$697	$117
State Farm	$888	$150
USAA	$960	$162
Auto-Owners	$989	$167
Farmers	$2156	$366
Allstate	$2287	$385
North Star Mutual	$4029	$685
AAA	$4034	$672

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 La Salle are offered by Westfield at $146. However, it can be as expensive as $2530 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in La Salle after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$146	$25
Iowa Farm Bureau	$232	$39
West Bend Mutual	$232	$39
Auto-Owners Insurance Co	$242	$41
American Family	$258	$43
Farmers Union Insurance	$263	$45
State Farm	$555	$94
Western National	$692	$116
USAA	$732	$122
Auto-Owners	$808	$138
Travelers	$879	$146
North Star Mutual	$1408	$240
Farmers	$1812	$302
AAA	$1879	$320
Allstate	$2530	$422

Car Insurance Price Trends in La Salle, Minnesota

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

The average cost of full coverage in the La Salle rose by $183 in January compared to $150 of December. In other words, there has been an increase by $33 when you compare January and December.

The average cost of liability insurance in the La Salle rose to $43 in January, compared to $42 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 La Salle?

The car insurance in La Salle is $20 per month, which is lower than the national average.

What is the cheapest car insurance in La Salle?

The cheapest car insurance in La Salle is $75 per month for full coverage.

How much is car insurance in La Salle for teenagers?

Car insurance for teenagers costs $146 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 La Salle?

The average cost of car insurance is $944 for a six-month policy. It will cost around $135 per month to insure your car in La Salle.

Is car insurance expensive in La Salle?

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

Cheapest Car Insurance Quotes in La Salle

Why you can trust Way?

How Much Is Car Insurance in La Salle

Avg. Car Insurance in La Salle

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in La Salle

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

La Salle Car Insurance Rates by Company

Cheap Car Insurance Companies in La Salle, MN

Way's key takeaways about car insurance in La Salle

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in La Salle

Cheapest Liability Coverage in La Salle, MN

Cheapest Full Coverage Car Insurance in La Salle

Cheapest Full Coverage Car Insurance Quotes in La Salle, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in La Salle by Rating Factor

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

Car Insurance Premiums by Age in La Salle

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in La Salle,MN

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

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 La Salle

Cheapest Car Insurance Companies after an At-Fault Accident in La Salle

La Salle Car Insurance Rates by Violation

La Salle auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in La Salle after a DUI

La Salle car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in La Salle after Speeding ticket

Car Insurance Price Trends in La Salle, Minnesota

Average Car Insurance Cost in La Salle by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near La Salle, MN

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

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