Cheapest Car Insurance Quotes in Little Canada

Finding the cheapest car insurance quotes in Little Canada shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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Little Canada Car Insurance

^$ 28

/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 Little Canada

The car insurance rate in Little Canada is $1114 for a six-month policy, which is $170 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $610, making it a popular choice for budget-conscious drivers. Rates in Little Canada 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 Little Canada

$1114

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Little Canada

1st place: Iowa Farm Bureau

At $610 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 $617 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $617 for six months, making it the third cheapest auto insurance company in Little Canada.

Little Canada Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Little Canada, MN is Iowa Farm Bureau, offering policies at just $610 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $617.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2005 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Little Canada drivers find the best deals.

Cheap Car Insurance Companies in Little Canada, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$610	$104
Auto-Owners Insurance Co	$617	$103
Westfield	$617	$105
American Family	$644	$109
West Bend Mutual	$799	$135
Travelers	$856	$144
Nationwide	$946	$160
USAA	$989	$166
AAA	$1023	$172
Auto-Owners	$1094	$184
West Bend	$1178	$201
State Farm	$1233	$208
Western National	$1591	$270
Allstate	$1669	$281
North Star Mutual	$1955	$333
Farmers	$2005	$334

Key Takeaways

Way's key takeaways about car insurance in Little Canada

The auto insurance costs in Little Canada fall around $610 for six months.
The cheapest auto insurance company in Little Canada is Westfield.
Teen drivers pay the highest rate in Little Canada at $1205 per month.

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Cheapest Minimum Liability Car Insurance in Little Canada

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 Little Canada are given below.

Westfield provides the cheapest minimum car insurance coverage in Little Canada. Their Average 6 Month Premium is $169. Nationwide is the most expensive at $365 for the same period.

Cheapest Liability Coverage in Little Canada, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$169	$28
West Bend Mutual	$238	$40
North Star Mutual Insurance	$260	$44
USAA	$281	$47
Auto-Owners Insurance Co	$294	$50
Iowa Farm Bureau	$294	$50
West Bend	$294	$50
Farmers Union Insurance	$301	$51
Auto-Owners	$308	$52
North Star Mutual	$308	$52
AAA	$343	$58
American Family	$343	$58
Travelers	$343	$58
State Farm	$372	$63
Western National	$393	$66
Allstate	$575	$97
Farmers	$813	$138
Nationwide	$365	$60

Cheapest Full Coverage Car Insurance in Little Canada

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 Little Canada is Iowa Farm Bureau at $104 per month and $610 for six months.

Cheapest Full Coverage Car Insurance Quotes in Little Canada, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$610	$104
Auto-Owners Insurance Co	$617	$103
Westfield	$617	$105
American Family	$644	$109
West Bend Mutual	$799	$135
Travelers	$856	$144
Nationwide	$946	$160
USAA	$989	$166
AAA	$1023	$172
Auto-Owners	$1094	$184
West Bend	$1178	$201
State Farm	$1233	$208
Western National	$1591	$270
Allstate	$1669	$281
North Star Mutual	$1955	$333
Farmers	$2005	$334

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Average Car Insurance in Little Canada 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 Little Canada, MN increasing?

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

Car Insurance Premiums by Age in Little Canada

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	$772
30s	Farm Bureau Mutual	$551
40s	Farm Bureau Mutual	$545
50s	Farm Bureau Mutual	$459
60s	Farm Bureau Mutual	$470
70s	Farm Bureau Mutual	$551

Cheapest Car Insurance Rates for Teen Drivers in Little Canada,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Little Canada at $34 per month. At $7226 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$203	$34
North Star Mutual Insurance	$281	$47
Auto-Owners Insurance Co	$301	$51
Iowa Farm Bureau	$308	$52
Farmers Union Insurance	$322	$54
Umialik	$400	$66
American Family	$1094	$184
Travelers	$1227	$207
Auto-Owners	$1605	$270
USAA	$1640	$276
State Farm	$2446	$412
AAA	$2467	$415
Allstate	$3932	$662
North Star Mutual	$4122	$687
Western National	$4584	$780
Farmers	$7226	$1205

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 Little Canada.

As young drivers face the highest rates in Little Canada, Farm Bureau Mutual offers the cheapest auto insurance rates at $772 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 Little Canada, West Bend Mutual is the cheapest car insurance provider. At $301 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 Little Canada is State Farm, offering rates of around $7998 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$301	$51
Westfield	$372	$61
Farmers Union Insurance	$413	$71
Iowa Farm Bureau	$582	$97
American Family	$596	$101
USAA	$1948	$325
AAA	$2172	$366
Travelers	$2797	$466
North Star Mutual	$3238	$551
Auto-Owners	$3378	$563
Farmers	$3715	$631
Western National	$3883	$647
Allstate	$4654	$792
State Farm	$7998	$1333

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Car Insurance Rates with An Accident in Little Canada

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 Little Canada, MN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Little Canada

The cheapest car insurance companies after an at-fault accident in Little Canada include Westfield and Umialik, offering $245 and $308, respectively. Nationwide is an expensive provider with an average six-month premium of $484.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$245	$41
Umialik	$308	$52
Iowa Farm Bureau	$379	$63
Auto-Owners Insurance Co	$400	$68
Farmers Union Insurance	$407	$67
West Bend Mutual	$413	$71
North Star Mutual Insurance	$477	$79
Encompass	$519	$89
American Family	$729	$123
Western National	$758	$127
Auto-Owners	$813	$137
State Farm	$841	$142
Travelers	$939	$158
USAA	$1009	$170
AAA	$1598	$269
North Star Mutual	$1893	$319
Farmers	$2951	$492
Allstate	$3056	$514
Nationwide	$484	$80

Little Canada Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Little Canada MN. For example, the car insurance in Little Canada after a DUI increases to $1290 for a six month policy. While the rate increases by $265 for a six-month policy in the case of a speeding ticket.

Little Canada auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1206	$201
One Med/PIP claim	$1220	$208
Not-at-fault accident	$1240	$207
One comp claim	$1283	$218
Two Med/PIP claims	$1283	$214
Two comp claims	$1339	$228
Failure to wear a seat belt	$1374	$229
Failure to show documents	$1395	$237
Child safety restraint	$1416	$236
Driving without lights	$1416	$241
Driving with expired registration	$1444	$241
Cell phone violation	$1471	$250
Speeding 6 - 10 MPH over limit	$1471	$245
Texting while driving	$1471	$250
Following too closely	$1486	$248
Driving too slowly	$1493	$254
Failure to yield	$1493	$249
Illegal turn	$1493	$254
Speeding in school zone	$1493	$249
Wrong way/wrong lane	$1493	$254
Failure to stop at a red light	$1500	$250
Improper passing	$1500	$255
Speeding 11 - 15 MPH over limit	$1507	$251
Speeding 16 - 20 MPH over limit	$1521	$258
At-fault accident - less than $1000	$1556	$260
Passing school bus	$1556	$264
In 65 MPH zone	$1564	$261
Operating a vehicle without permission	$1571	$267
Speeding 21 - 25 MPH over limit	$1619	$270
At-fault accident - $1000-$2000	$1731	$294
Open container	$1738	$290
At-fault accident - greater than $2000	$1774	$302
Reckless driving	$2172	$362
Racing	$2243	$381
Driving with a suspended license	$2384	$398
Refusal to submit to a chemical test	$2411	$409
DUI	$2496	$415
Leaving scene of an accident/hit and run	$2587	$440

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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 Little Canada 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 Little Canada.

The cheapest car insurance premiums in Little Canada are offered by Umialik at $308 for a six-month policy. However, it can be as expensive as $5600 with companies like AAA.

Little Canada car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$308	$52
West Bend Mutual	$322	$54
Farmers Union Insurance	$386	$64
Westfield	$434	$74
Iowa Farm Bureau	$568	$94
Country Financial	$603	$103
Auto-Owners Insurance Co	$644	$107
American Family	$680	$114
Western National	$961	$162
Travelers	$968	$163
State Farm	$1233	$208
USAA	$1332	$224
Auto-Owners	$1374	$231
Farmers	$2992	$509
Allstate	$3175	$535
North Star Mutual	$5593	$951
AAA	$5600	$933

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 Little Canada are offered by Westfield at $203. However, it can be as expensive as $3512 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Little Canada after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$203	$34
Iowa Farm Bureau	$322	$54
West Bend Mutual	$322	$54
Auto-Owners Insurance Co	$336	$57
American Family	$358	$59
Farmers Union Insurance	$365	$63
State Farm	$771	$130
Western National	$961	$162
USAA	$1016	$170
Auto-Owners	$1121	$191
Travelers	$1220	$203
North Star Mutual	$1955	$333
Farmers	$2516	$419
AAA	$2608	$444
Allstate	$3512	$585

Car Insurance Price Trends in Little Canada, Minnesota

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

The average cost of full coverage in the Little Canada rose by $254 in January compared to $209 of December. In other words, there has been an increase by $45 when you compare January and December.

The average cost of liability insurance in the Little Canada rose to $60 in January, compared to $58 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 Little Canada?

The car insurance in Little Canada is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Little Canada?

The cheapest car insurance in Little Canada is $104 per month for full coverage.

How much is car insurance in Little Canada for teenagers?

Car insurance for teenagers costs $203 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 Little Canada?

The average cost of car insurance is $944 for a six-month policy. It will cost around $188 per month to insure your car in Little Canada.

Is car insurance expensive in Little Canada?

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

Cheapest Car Insurance Quotes in Little Canada

Why you can trust Way?

How Much Is Car Insurance in Little Canada

Avg. Car Insurance in Little Canada

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Little Canada

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Little Canada Car Insurance Rates by Company

Cheap Car Insurance Companies in Little Canada, MN

Way's key takeaways about car insurance in Little Canada

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Little Canada

Cheapest Liability Coverage in Little Canada, MN

Cheapest Full Coverage Car Insurance in Little Canada

Cheapest Full Coverage Car Insurance Quotes in Little Canada, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Little Canada by Rating Factor

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

Car Insurance Premiums by Age in Little Canada

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Little Canada,MN

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

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 Little Canada

Cheapest Car Insurance Companies after an At-Fault Accident in Little Canada

Little Canada Car Insurance Rates by Violation

Little Canada auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Little Canada after a DUI

Little Canada car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Little Canada after Speeding ticket

Car Insurance Price Trends in Little Canada, Minnesota

Average Car Insurance Cost in Little Canada by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Little Canada, MN

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

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