Cheapest Car Insurance Quotes in Le Center

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Le Center 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 Le Center

The car insurance rate in Le Center is $916 for a six-month policy, which is $28 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $501, making it a popular choice for budget-conscious drivers. Rates in Le Center 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 Le Center

$916

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Le Center

1st place: Iowa Farm Bureau

At $501 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 $507 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $507 for six months, making it the third cheapest auto insurance company in Le Center.

Le Center Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Le Center, MN is Iowa Farm Bureau, offering policies at just $501 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $507.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1648 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Le Center drivers find the best deals.

Cheap Car Insurance Companies in Le Center, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$501	$85
Auto-Owners Insurance Co	$507	$84
Westfield	$507	$86
American Family	$530	$89
West Bend Mutual	$657	$111
Travelers	$703	$118
Nationwide	$778	$132
USAA	$813	$137
AAA	$841	$142
Auto-Owners	$899	$151
West Bend	$968	$165
State Farm	$1014	$171
Western National	$1308	$222
Allstate	$1372	$231
North Star Mutual	$1607	$274
Farmers	$1648	$275

Key Takeaways

Way's key takeaways about car insurance in Le Center

The auto insurance costs in Le Center fall around $501 for six months.
The cheapest auto insurance company in Le Center is Westfield.
Teen drivers pay the highest rate in Le Center at $990 per month.

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

Cheapest Minimum Liability Car Insurance in Le Center

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 Le Center are given below.

Westfield provides the cheapest minimum car insurance coverage in Le Center. Their Average 6 Month Premium is $139. Nationwide is the most expensive at $300 for the same period.

Cheapest Liability Coverage in Le Center, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$139	$23
West Bend Mutual	$196	$33
North Star Mutual Insurance	$213	$36
USAA	$231	$39
Auto-Owners Insurance Co	$242	$41
Iowa Farm Bureau	$242	$41
West Bend	$242	$41
Farmers Union Insurance	$247	$42
Auto-Owners	$253	$43
North Star Mutual	$253	$43
AAA	$282	$48
American Family	$282	$48
Travelers	$282	$48
State Farm	$306	$51
Western National	$323	$54
Allstate	$472	$80
Farmers	$668	$113
Nationwide	$300	$49

Cheapest Full Coverage Car Insurance in Le Center

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 Le Center is Iowa Farm Bureau at $85 per month and $501 for six months.

Cheapest Full Coverage Car Insurance Quotes in Le Center, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$501	$85
Auto-Owners Insurance Co	$507	$84
Westfield	$507	$86
American Family	$530	$89
West Bend Mutual	$657	$111
Travelers	$703	$118
Nationwide	$778	$132
USAA	$813	$137
AAA	$841	$142
Auto-Owners	$899	$151
West Bend	$968	$165
State Farm	$1014	$171
Western National	$1308	$222
Allstate	$1372	$231
North Star Mutual	$1607	$274
Farmers	$1648	$275

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Average Car Insurance in Le Center 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 Le Center, MN increasing?

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

Car Insurance Premiums by Age in Le Center

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	$634
30s	Farm Bureau Mutual	$453
40s	Farm Bureau Mutual	$448
50s	Farm Bureau Mutual	$377
60s	Farm Bureau Mutual	$386
70s	Farm Bureau Mutual	$453

Cheapest Car Insurance Rates for Teen Drivers in Le Center,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Le Center at $28 per month. At $5940 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$167	$28
North Star Mutual Insurance	$231	$39
Auto-Owners Insurance Co	$247	$42
Iowa Farm Bureau	$253	$43
Farmers Union Insurance	$265	$45
Umialik	$329	$54
American Family	$899	$151
Travelers	$1009	$170
Auto-Owners	$1319	$222
USAA	$1348	$227
State Farm	$2011	$339
AAA	$2028	$341
Allstate	$3232	$544
North Star Mutual	$3388	$565
Western National	$3768	$641
Farmers	$5940	$990

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 Le Center.

As young drivers face the highest rates in Le Center, Farm Bureau Mutual offers the cheapest auto insurance rates at $634 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 Le Center, West Bend Mutual is the cheapest car insurance provider. At $247 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 Le Center is State Farm, offering rates of around $6575 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$247	$42
Westfield	$306	$50
Farmers Union Insurance	$340	$58
Iowa Farm Bureau	$478	$80
American Family	$490	$83
USAA	$1601	$267
AAA	$1786	$301
Travelers	$2299	$383
North Star Mutual	$2662	$453
Auto-Owners	$2777	$463
Farmers	$3054	$519
Western National	$3192	$532
Allstate	$3826	$651
State Farm	$6575	$1096

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Car Insurance Rates with An Accident in Le Center

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

Cheapest Car Insurance Companies after an At-Fault Accident in Le Center

The cheapest car insurance companies after an at-fault accident in Le Center include Westfield and Umialik, offering $202 and $253, respectively. Nationwide is an expensive provider with an average six-month premium of $398.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$202	$34
Umialik	$253	$43
Iowa Farm Bureau	$311	$51
Auto-Owners Insurance Co	$329	$56
Farmers Union Insurance	$335	$55
West Bend Mutual	$340	$58
North Star Mutual Insurance	$392	$65
Encompass	$427	$73
American Family	$599	$101
Western National	$623	$105
Auto-Owners	$668	$113
State Farm	$692	$116
Travelers	$772	$130
USAA	$829	$140
AAA	$1313	$221
North Star Mutual	$1556	$262
Farmers	$2426	$404
Allstate	$2512	$423
Nationwide	$398	$66

Le Center Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Le Center MN. For example, the car insurance in Le Center after a DUI increases to $1061 for a six month policy. While the rate increases by $219 for a six-month policy in the case of a speeding ticket.

Le Center auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$991	$165
One Med/PIP claim	$1003	$171
Not-at-fault accident	$1019	$170
One comp claim	$1054	$179
Two Med/PIP claims	$1054	$176
Two comp claims	$1101	$187
Failure to wear a seat belt	$1129	$188
Failure to show documents	$1147	$195
Child safety restraint	$1164	$194
Driving without lights	$1164	$198
Driving with expired registration	$1187	$198
Cell phone violation	$1210	$206
Speeding 6 - 10 MPH over limit	$1210	$202
Texting while driving	$1210	$206
Following too closely	$1221	$204
Driving too slowly	$1227	$209
Failure to yield	$1227	$205
Illegal turn	$1227	$209
Speeding in school zone	$1227	$205
Wrong way/wrong lane	$1227	$209
Failure to stop at a red light	$1233	$206
Improper passing	$1233	$210
Speeding 11 - 15 MPH over limit	$1239	$207
Speeding 16 - 20 MPH over limit	$1250	$212
At-fault accident - less than $1000	$1279	$213
Passing school bus	$1279	$217
In 65 MPH zone	$1285	$214
Operating a vehicle without permission	$1291	$219
Speeding 21 - 25 MPH over limit	$1331	$222
At-fault accident - $1000-$2000	$1423	$242
Open container	$1429	$239
At-fault accident - greater than $2000	$1458	$248
Reckless driving	$1786	$298
Racing	$1844	$313
Driving with a suspended license	$1959	$327
Refusal to submit to a chemical test	$1982	$337
DUI	$2052	$341
Leaving scene of an accident/hit and run	$2126	$362

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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 Le Center 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 Le Center.

The cheapest car insurance premiums in Le Center are offered by Umialik at $253 for a six-month policy. However, it can be as expensive as $4604 with companies like AAA.

Le Center car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$253	$43
West Bend Mutual	$265	$45
Farmers Union Insurance	$317	$52
Westfield	$357	$61
Iowa Farm Bureau	$467	$78
Country Financial	$496	$84
Auto-Owners Insurance Co	$530	$88
American Family	$559	$94
Western National	$790	$133
Travelers	$795	$134
State Farm	$1014	$171
USAA	$1095	$184
Auto-Owners	$1129	$190
Farmers	$2460	$418
Allstate	$2610	$439
North Star Mutual	$4598	$782
AAA	$4604	$767

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 Le Center are offered by Westfield at $167. However, it can be as expensive as $2887 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Le Center after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$167	$28
Iowa Farm Bureau	$265	$45
West Bend Mutual	$265	$45
Auto-Owners Insurance Co	$276	$47
American Family	$294	$49
Farmers Union Insurance	$300	$51
State Farm	$633	$107
Western National	$790	$133
USAA	$835	$140
Auto-Owners	$922	$157
Travelers	$1003	$167
North Star Mutual	$1607	$274
Farmers	$2068	$344
AAA	$2144	$365
Allstate	$2887	$481

Car Insurance Price Trends in Le Center, Minnesota

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

The average cost of full coverage in the Le Center rose by $209 in January compared to $172 of December. In other words, there has been an increase by $37 when you compare January and December.

The average cost of liability insurance in the Le Center rose to $49 in January, compared to $48 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 Le Center?

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

What is the cheapest car insurance in Le Center?

The cheapest car insurance in Le Center is $85 per month for full coverage.

How much is car insurance in Le Center for teenagers?

Car insurance for teenagers costs $167 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 Le Center?

The average cost of car insurance is $944 for a six-month policy. It will cost around $154 per month to insure your car in Le Center.

Is car insurance expensive in Le Center?

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

Cheapest Car Insurance Quotes in Le Center

Why you can trust Way?

How Much Is Car Insurance in Le Center

Avg. Car Insurance in Le Center

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Le Center

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Le Center Car Insurance Rates by Company

Cheap Car Insurance Companies in Le Center, MN

Way's key takeaways about car insurance in Le Center

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Le Center

Cheapest Liability Coverage in Le Center, MN

Cheapest Full Coverage Car Insurance in Le Center

Cheapest Full Coverage Car Insurance Quotes in Le Center, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Le Center by Rating Factor

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

Car Insurance Premiums by Age in Le Center

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Le Center,MN

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

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 Le Center

Cheapest Car Insurance Companies after an At-Fault Accident in Le Center

Le Center Car Insurance Rates by Violation

Le Center auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Le Center after a DUI

Le Center car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Le Center after Speeding ticket

Car Insurance Price Trends in Le Center, Minnesota

Average Car Insurance Cost in Le Center by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Le Center, MN

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

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