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Finding the cheapest car insurance quotes in Makinen 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.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Makinen
The car insurance rate in Makinen is $883 for a six-month policy, which is $80 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $471, making it a popular choice for budget-conscious drivers. Rates in Makinen 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.
At $471 for a six
month policy, AAA offers
the cheapest
auto
insurance rates in the city.
2nd place: Iowa Farm Bureau
Iowa Farm Bureau offers auto
insurance rates at $569 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: AutoOwners Insurance Co
AutoOwners Insurance Co offers auto insurance
rates at $575
for six months, making it
the third cheapest auto insurance company in Makinen.
Makinen Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Makinen, MN is AAA, offering policies at just $471 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $569.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1705 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Makinen drivers find the best deals.
Way's key takeaways about car insurance in Makinen
The auto insurance costs in Makinen fall around $471 for six
months.
The cheapest auto insurance company in Makinen is Westfield.
Teen drivers pay the highest rate in Makinen at $1030 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 Makinen
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 Makinen are given below.
Westfield provides
the cheapest minimum car insurance
coverage in Makinen. Their Average 6 Month Premium is $157.
Nationwide is the most
expensive at $340 for the same
period.
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 Makinen is AAA
at $80 per month and $471
for six months.
Cheapest Full Coverage Car Insurance Quotes in Makinen,
MN
Get Your Car Insurance Quote in Makinen
Instantly!
Average Car Insurance in Makinen 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 Makinen, MN increasing?
Despite maintaining a clean driving record, your car insurance rates
in Makinen, 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, Makinen's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Makinen
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
$732
30s
Farm Bureau Mutual
$523
40s
Farm Bureau Mutual
$517
50s
Farm Bureau Mutual
$435
60s
Farm Bureau Mutual
$446
70s
Farm Bureau Mutual
$523
Cheapest Car Insurance Rates for Teen Drivers in
Makinen,MN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Makinen at $32
per
month. At $6174 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties Farm Bureau Mutual is
the best choice for car
insurance in Makinen.
As young drivers face the highest rates in Makinen, Farm Bureau Mutual
offers the cheapest auto insurance rates at $732 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 Makinen,
West Bend Mutual is
the cheapest car insurance provider. At $281 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
Makinen is State Farm, offering
rates of around $5658 for six
months.
Save up to $971/yr on car insurance rates in Makinen.
Car Insurance Rates with An Accident in Makinen
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 Makinen, MN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Makinen
The cheapest car insurance companies after an at-fault accident in
Makinen include Westfield
and Umialik, offering $229
and $287,
respectively. Nationwide is an expensive provider
with an average six-month premium of
$451.
Here is a list of driving violations that can increase your car
insurance rates in Makinen MN. For example, the car
insurance in Makinen
after a DUI increases to $1203 for a six
month policy. While the rate increases by $248 for a six-month policy in the case of
a speeding ticket.
Makinen auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1124
$187
One Med/PIP claim
$1137
$194
Not-at-fault accident
$1156
$193
One comp claim
$1196
$204
Two Med/PIP claims
$1196
$199
Two comp claims
$1249
$212
Failure to wear a seat belt
$1280
$213
Failure to show documents
$1300
$221
Child safety restraint
$1320
$220
Driving without lights
$1320
$224
Driving with expired registration
$1346
$224
Cell phone violation
$1372
$233
Speeding 6 - 10 MPH over limit
$1372
$229
Texting while driving
$1372
$233
Following too closely
$1385
$231
Driving too slowly
$1392
$237
Failure to yield
$1392
$232
Illegal turn
$1392
$237
Speeding in school zone
$1392
$232
Wrong way/wrong lane
$1392
$237
Failure to stop at a red light
$1398
$233
Improper passing
$1398
$238
Speeding 11 - 15 MPH over limit
$1405
$234
Speeding 16 - 20 MPH over limit
$1418
$241
At-fault accident - less than $1000
$1451
$242
Passing school bus
$1451
$246
In 65 MPH zone
$1458
$243
Operating a vehicle without permission
$1464
$249
Speeding 21 - 25 MPH over limit
$1509
$252
At-fault accident - $1000-$2000
$1614
$274
Open container
$1620
$271
At-fault accident - greater than $2000
$1653
$282
Reckless driving
$2025
$338
Racing
$2091
$355
Driving with a suspended license
$2222
$371
Refusal to submit to a chemical test
$2247
$382
DUI
$2327
$387
Leaving scene of an accident/hit and run
$2411
$410
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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 Makinen 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 Makinen.
The cheapest car insurance premiums in
Makinen are
offered by Umialik at $287 for a six-month policy.
However, it can be as
expensive as $2574 with companies
like Farmers.
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 Makinen are offered by Westfield
at $189. However,
it can be as expensive as $2456
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Makinen after Speeding ticket
Car insurance rates in Makinen have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Makinen rose by
$195 in December
compared to $194 of November. In other words, there has been an increase by $1 when you
compare December and November.
The average cost of liability insurance in the Makinen remained steady at $54 in both December and November, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Makinen. At $1766 for a
six-month policy, insuring
your car at 55763 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Makinen?
The car insurance in Makinen is $26 per month, which is lower than the national average.
What is the cheapest car insurance in Makinen?
The cheapest car insurance in Makinen
is $80 per month
for full coverage.
How much is car insurance in Makinen for teenagers?
Car insurance for teenagers costs $189 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
Makinen?
The average cost of car insurance is $803 for a six-month
policy. It will cost around $147 per month to insure your
car in Makinen.
Is car insurance expensive in Makinen?
Car insurance can be expensive in Makinen if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Makinen can be
affordable.
What is the best car insurance in Makinen,
MN?
The best car insurance company in Makinen
MN is
AAA, offering $471 for a
six-month policy.
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Makinen Car Insurance
