Cheapest Car Insurance Quotes in Lake Lillian

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Lake Lillian Car Insurance

^$ 23

/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 Lake Lillian

The car insurance rate in Lake Lillian is $906 for a six-month policy, which is $38 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $496, making it a popular choice for budget-conscious drivers. Rates in Lake Lillian 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 Lake Lillian

$906

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Lake Lillian

1st place: Iowa Farm Bureau

At $496 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 $502 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $502 for six months, making it the third cheapest auto insurance company in Lake Lillian.

Lake Lillian Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Lillian, MN is Iowa Farm Bureau, offering policies at just $496 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $502.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1631 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Lillian drivers find the best deals.

Cheap Car Insurance Companies in Lake Lillian, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$496	$84
Auto-Owners Insurance Co	$502	$84
Westfield	$502	$85
American Family	$524	$88
West Bend Mutual	$650	$109
Travelers	$696	$117
Nationwide	$770	$131
USAA	$804	$135
AAA	$832	$140
Auto-Owners	$890	$150
West Bend	$958	$163
State Farm	$1003	$169
Western National	$1294	$220
Allstate	$1357	$228
North Star Mutual	$1591	$271
Farmers	$1631	$272

Key Takeaways

Way's key takeaways about car insurance in Lake Lillian

The auto insurance costs in Lake Lillian fall around $496 for six months.
The cheapest auto insurance company in Lake Lillian is Westfield.
Teen drivers pay the highest rate in Lake Lillian at $980 per month.

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Cheapest Minimum Liability Car Insurance in Lake Lillian

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 Lake Lillian are given below.

Westfield provides the cheapest minimum car insurance coverage in Lake Lillian. Their Average 6 Month Premium is $137. Nationwide is the most expensive at $297 for the same period.

Cheapest Liability Coverage in Lake Lillian, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$137	$23
West Bend Mutual	$194	$33
North Star Mutual Insurance	$211	$36
USAA	$228	$38
Auto-Owners Insurance Co	$239	$40
Iowa Farm Bureau	$239	$40
West Bend	$239	$40
Farmers Union Insurance	$245	$41
Auto-Owners	$251	$42
North Star Mutual	$251	$42
AAA	$279	$47
American Family	$279	$47
Travelers	$279	$47
State Farm	$302	$51
Western National	$320	$54
Allstate	$468	$79
Farmers	$661	$112
Nationwide	$297	$49

Cheapest Full Coverage Car Insurance in Lake Lillian

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 Lake Lillian is Iowa Farm Bureau at $84 per month and $496 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Lillian, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$496	$84
Auto-Owners Insurance Co	$502	$84
Westfield	$502	$85
American Family	$524	$88
West Bend Mutual	$650	$109
Travelers	$696	$117
Nationwide	$770	$131
USAA	$804	$135
AAA	$832	$140
Auto-Owners	$890	$150
West Bend	$958	$163
State Farm	$1003	$169
Western National	$1294	$220
Allstate	$1357	$228
North Star Mutual	$1591	$271
Farmers	$1631	$272

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Average Car Insurance in Lake Lillian 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 Lake Lillian, MN increasing?

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

Car Insurance Premiums by Age in Lake Lillian

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	$628
30s	Farm Bureau Mutual	$448
40s	Farm Bureau Mutual	$444
50s	Farm Bureau Mutual	$373
60s	Farm Bureau Mutual	$382
70s	Farm Bureau Mutual	$448

Cheapest Car Insurance Rates for Teen Drivers in Lake Lillian,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Lake Lillian at $28 per month. At $5879 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$165	$28
North Star Mutual Insurance	$228	$38
Auto-Owners Insurance Co	$245	$41
Iowa Farm Bureau	$251	$42
Farmers Union Insurance	$262	$44
Umialik	$325	$54
American Family	$890	$150
Travelers	$998	$168
Auto-Owners	$1306	$220
USAA	$1334	$225
State Farm	$1990	$335
AAA	$2007	$338
Allstate	$3199	$539
North Star Mutual	$3353	$559
Western National	$3730	$635
Farmers	$5879	$980

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 Lake Lillian.

As young drivers face the highest rates in Lake Lillian, Farm Bureau Mutual offers the cheapest auto insurance rates at $628 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 Lake Lillian, West Bend Mutual is the cheapest car insurance provider. At $245 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 Lake Lillian is State Farm, offering rates of around $6507 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$245	$41
Westfield	$302	$50
Farmers Union Insurance	$336	$58
Iowa Farm Bureau	$473	$79
American Family	$485	$83
USAA	$1585	$264
AAA	$1767	$298
Travelers	$2275	$379
North Star Mutual	$2634	$448
Auto-Owners	$2748	$458
Farmers	$3022	$514
Western National	$3159	$526
Allstate	$3786	$644
State Farm	$6507	$1085

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

Car Insurance Rates with An Accident in Lake Lillian

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Lillian

The cheapest car insurance companies after an at-fault accident in Lake Lillian include Westfield and Umialik, offering $200 and $251, respectively. Nationwide is an expensive provider with an average six-month premium of $394.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$200	$34
Umialik	$251	$42
Iowa Farm Bureau	$308	$51
Auto-Owners Insurance Co	$325	$56
Farmers Union Insurance	$331	$55
West Bend Mutual	$336	$58
North Star Mutual Insurance	$388	$64
Encompass	$422	$72
American Family	$593	$100
Western National	$616	$104
Auto-Owners	$661	$111
State Farm	$684	$115
Travelers	$764	$129
USAA	$821	$138
AAA	$1300	$219
North Star Mutual	$1540	$259
Farmers	$2401	$400
Allstate	$2486	$419
Nationwide	$394	$65

Lake Lillian Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Lillian MN. For example, the car insurance in Lake Lillian after a DUI increases to $1049 for a six month policy. While the rate increases by $216 for a six-month policy in the case of a speeding ticket.

Lake Lillian auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$981	$163
One Med/PIP claim	$993	$169
Not-at-fault accident	$1009	$168
One comp claim	$1044	$178
Two Med/PIP claims	$1044	$174
Two comp claims	$1090	$185
Failure to wear a seat belt	$1117	$186
Failure to show documents	$1135	$193
Child safety restraint	$1152	$192
Driving without lights	$1152	$196
Driving with expired registration	$1175	$196
Cell phone violation	$1197	$204
Speeding 6 - 10 MPH over limit	$1197	$200
Texting while driving	$1197	$204
Following too closely	$1209	$202
Driving too slowly	$1214	$206
Failure to yield	$1214	$203
Illegal turn	$1214	$206
Speeding in school zone	$1214	$203
Wrong way/wrong lane	$1214	$206
Failure to stop at a red light	$1220	$204
Improper passing	$1220	$207
Speeding 11 - 15 MPH over limit	$1226	$204
Speeding 16 - 20 MPH over limit	$1237	$210
At-fault accident - less than $1000	$1266	$211
Passing school bus	$1266	$215
In 65 MPH zone	$1272	$212
Operating a vehicle without permission	$1278	$217
Speeding 21 - 25 MPH over limit	$1317	$220
At-fault accident - $1000-$2000	$1408	$239
Open container	$1414	$236
At-fault accident - greater than $2000	$1443	$246
Reckless driving	$1767	$295
Racing	$1825	$310
Driving with a suspended license	$1939	$324
Refusal to submit to a chemical test	$1961	$333
DUI	$2030	$338
Leaving scene of an accident/hit and run	$2104	$358

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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 Lake Lillian 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 Lake Lillian.

The cheapest car insurance premiums in Lake Lillian are offered by Umialik at $251 for a six-month policy. However, it can be as expensive as $4556 with companies like AAA.

Lake Lillian car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$251	$42
West Bend Mutual	$262	$44
Farmers Union Insurance	$314	$52
Westfield	$353	$60
Iowa Farm Bureau	$462	$77
Country Financial	$491	$84
Auto-Owners Insurance Co	$524	$87
American Family	$553	$93
Western National	$781	$132
Travelers	$787	$132
State Farm	$1003	$169
USAA	$1084	$182
Auto-Owners	$1117	$188
Farmers	$2435	$414
Allstate	$2583	$435
North Star Mutual	$4550	$774
AAA	$4556	$759

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 Lake Lillian are offered by Westfield at $165. However, it can be as expensive as $2857 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lake Lillian after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$165	$28
Iowa Farm Bureau	$262	$44
West Bend Mutual	$262	$44
Auto-Owners Insurance Co	$274	$46
American Family	$291	$48
Farmers Union Insurance	$297	$51
State Farm	$627	$106
Western National	$781	$132
USAA	$827	$138
Auto-Owners	$912	$156
Travelers	$993	$165
North Star Mutual	$1591	$271
Farmers	$2047	$341
AAA	$2122	$361
Allstate	$2857	$476

Car Insurance Price Trends in Lake Lillian, Minnesota

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

The average cost of full coverage in the Lake Lillian rose by $206 in January compared to $170 of December. In other words, there has been an increase by $36 when you compare January and December.

The average cost of liability insurance in the Lake Lillian rose to $49 in January, compared to $47 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Lake Lillian?

The car insurance in Lake Lillian is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Lake Lillian?

The cheapest car insurance in Lake Lillian is $84 per month for full coverage.

How much is car insurance in Lake Lillian for teenagers?

Car insurance for teenagers costs $165 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 Lake Lillian?

The average cost of car insurance is $944 for a six-month policy. It will cost around $153 per month to insure your car in Lake Lillian.

Is car insurance expensive in Lake Lillian?

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

Cheapest Car Insurance Quotes in Lake Lillian

Why you can trust Way?

How Much Is Car Insurance in Lake Lillian

Avg. Car Insurance in Lake Lillian

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Lake Lillian

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Lake Lillian Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake Lillian, MN

Way's key takeaways about car insurance in Lake Lillian

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake Lillian

Cheapest Liability Coverage in Lake Lillian, MN

Cheapest Full Coverage Car Insurance in Lake Lillian

Cheapest Full Coverage Car Insurance Quotes in Lake Lillian, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake Lillian by Rating Factor

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

Car Insurance Premiums by Age in Lake Lillian

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lake Lillian,MN

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

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 Lake Lillian

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Lillian

Lake Lillian Car Insurance Rates by Violation

Lake Lillian auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake Lillian after a DUI

Lake Lillian car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake Lillian after Speeding ticket

Car Insurance Price Trends in Lake Lillian, Minnesota

Average Car Insurance Cost in Lake Lillian by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake Lillian, MN

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

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