Cheapest Car Insurance Quotes in Lutsen

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Lutsen 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 Lutsen

The car insurance rate in Lutsen is $982 for a six-month policy, which is $38 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $538, making it a popular choice for budget-conscious drivers. Rates in Lutsen 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 Lutsen

$982

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Lutsen

1st place: Iowa Farm Bureau

At $538 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 $544 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $544 for six months, making it the third cheapest auto insurance company in Lutsen.

Lutsen Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lutsen, MN is Iowa Farm Bureau, offering policies at just $538 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $544.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1767 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lutsen drivers find the best deals.

Cheap Car Insurance Companies in Lutsen, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$538	$92
Auto-Owners Insurance Co	$544	$90
Westfield	$544	$93
American Family	$568	$96
West Bend Mutual	$704	$119
Travelers	$754	$127
Nationwide	$834	$141
USAA	$872	$147
AAA	$902	$152
Auto-Owners	$964	$162
West Bend	$1038	$177
State Farm	$1087	$183
Western National	$1402	$238
Allstate	$1471	$248
North Star Mutual	$1723	$293
Farmers	$1767	$294

Key Takeaways

Way's key takeaways about car insurance in Lutsen

The auto insurance costs in Lutsen fall around $538 for six months.
The cheapest auto insurance company in Lutsen is Westfield.
Teen drivers pay the highest rate in Lutsen at $1062 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in Lutsen

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 Lutsen are given below.

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

Cheapest Liability Coverage in Lutsen, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$149	$25
West Bend Mutual	$210	$35
North Star Mutual Insurance	$229	$38
USAA	$248	$42
Auto-Owners Insurance Co	$259	$44
Iowa Farm Bureau	$259	$44
West Bend	$259	$44
Farmers Union Insurance	$265	$45
Auto-Owners	$271	$46
North Star Mutual	$271	$46
AAA	$303	$51
American Family	$303	$51
Travelers	$303	$51
State Farm	$328	$55
Western National	$346	$58
Allstate	$506	$85
Farmers	$717	$122
Nationwide	$321	$53

Cheapest Full Coverage Car Insurance in Lutsen

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 Lutsen is Iowa Farm Bureau at $92 per month and $538 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lutsen, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$538	$92
Auto-Owners Insurance Co	$544	$90
Westfield	$544	$93
American Family	$568	$96
West Bend Mutual	$704	$119
Travelers	$754	$127
Nationwide	$834	$141
USAA	$872	$147
AAA	$902	$152
Auto-Owners	$964	$162
West Bend	$1038	$177
State Farm	$1087	$183
Western National	$1402	$238
Allstate	$1471	$248
North Star Mutual	$1723	$293
Farmers	$1767	$294

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Average Car Insurance in Lutsen 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 Lutsen, MN increasing?

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

Car Insurance Premiums by Age in Lutsen

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	$680
30s	Farm Bureau Mutual	$486
40s	Farm Bureau Mutual	$480
50s	Farm Bureau Mutual	$405
60s	Farm Bureau Mutual	$414
70s	Farm Bureau Mutual	$486

Cheapest Car Insurance Rates for Teen Drivers in Lutsen,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Lutsen at $30 per month. At $6369 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
Iowa Farm Bureau	$271	$46
Farmers Union Insurance	$284	$48
Umialik	$353	$58
American Family	$964	$162
Travelers	$1082	$182
Auto-Owners	$1414	$238
USAA	$1446	$243
State Farm	$2156	$363
AAA	$2175	$366
Allstate	$3465	$583
North Star Mutual	$3633	$605
Western National	$4040	$687
Farmers	$6369	$1062

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 Lutsen.

As young drivers face the highest rates in Lutsen, Farm Bureau Mutual offers the cheapest auto insurance rates at $680 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 Lutsen, 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 Lutsen is State Farm, offering rates of around $7049 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
American Family	$525	$89
USAA	$1717	$286
AAA	$1915	$322
Travelers	$2465	$411
North Star Mutual	$2854	$486
Auto-Owners	$2978	$496
Farmers	$3274	$556
Western National	$3423	$570
Allstate	$4102	$698
State Farm	$7049	$1175

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

Car Insurance Rates with An Accident in Lutsen

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lutsen

The cheapest car insurance companies after an at-fault accident in Lutsen 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
Iowa Farm Bureau	$334	$55
Auto-Owners Insurance Co	$353	$60
Farmers Union Insurance	$359	$59
West Bend Mutual	$364	$62
North Star Mutual Insurance	$420	$70
Encompass	$458	$78
American Family	$643	$108
Western National	$668	$112
Auto-Owners	$717	$121
State Farm	$742	$125
Travelers	$828	$139
USAA	$889	$150
AAA	$1408	$237
North Star Mutual	$1668	$281
Farmers	$2601	$434
Allstate	$2694	$453
Nationwide	$426	$71

Lutsen Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lutsen MN. For example, the car insurance in Lutsen 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.

Lutsen 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 Lutsen 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 Lutsen.

The cheapest car insurance premiums in Lutsen are offered by Umialik at $271 for a six-month policy. However, it can be as expensive as $4936 with companies like AAA.

Lutsen car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$271	$46
West Bend Mutual	$284	$48
Farmers Union Insurance	$340	$56
Westfield	$383	$66
Iowa Farm Bureau	$500	$83
Country Financial	$531	$90
Auto-Owners Insurance Co	$568	$95
American Family	$599	$101
Western National	$847	$142
Travelers	$853	$144
State Farm	$1087	$183
USAA	$1174	$198
Auto-Owners	$1211	$204
Farmers	$2637	$448
Allstate	$2799	$471
North Star Mutual	$4930	$838
AAA	$4936	$823

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 Lutsen are offered by Westfield at $179. However, it can be as expensive as $3095 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lutsen after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$179	$30
Iowa Farm Bureau	$284	$48
West Bend Mutual	$284	$48
Auto-Owners Insurance Co	$296	$50
American Family	$315	$52
Farmers Union Insurance	$321	$55
State Farm	$679	$114
Western National	$847	$142
USAA	$895	$150
Auto-Owners	$988	$168
Travelers	$1075	$179
North Star Mutual	$1723	$293
Farmers	$2217	$369
AAA	$2298	$391
Allstate	$3095	$516

Car Insurance Price Trends in Lutsen, Minnesota

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

The average cost of full coverage in the Lutsen rose by $224 in January compared to $184 of December. In other words, there has been an increase by $40 when you compare January and December.

The average cost of liability insurance in the Lutsen rose to $53 in January, compared to $51 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 Lutsen?

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

What is the cheapest car insurance in Lutsen?

The cheapest car insurance in Lutsen is $92 per month for full coverage.

How much is car insurance in Lutsen 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 Lutsen?

The average cost of car insurance is $944 for a six-month policy. It will cost around $165 per month to insure your car in Lutsen.

Is car insurance expensive in Lutsen?

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

Cheapest Car Insurance Quotes in Lutsen

Why you can trust Way?

How Much Is Car Insurance in Lutsen

Avg. Car Insurance in Lutsen

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Lutsen

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Lutsen Car Insurance Rates by Company

Cheap Car Insurance Companies in Lutsen, MN

Way's key takeaways about car insurance in Lutsen

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lutsen

Cheapest Liability Coverage in Lutsen, MN

Cheapest Full Coverage Car Insurance in Lutsen

Cheapest Full Coverage Car Insurance Quotes in Lutsen, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lutsen by Rating Factor

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

Car Insurance Premiums by Age in Lutsen

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lutsen,MN

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

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 Lutsen

Cheapest Car Insurance Companies after an At-Fault Accident in Lutsen

Lutsen Car Insurance Rates by Violation

Lutsen auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lutsen after a DUI

Lutsen car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lutsen after Speeding ticket

Car Insurance Price Trends in Lutsen, Minnesota

Average Car Insurance Cost in Lutsen by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lutsen, MN

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

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