Cheapest Car Insurance Quotes in Martin Lake

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Martin Lake 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 Martin Lake

The car insurance rate in Martin Lake is $972 for a six-month policy, which is $28 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $533, making it a popular choice for budget-conscious drivers. Rates in Martin Lake 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 Martin Lake

$972

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Martin Lake

1st place: Iowa Farm Bureau

At $533 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 $539 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $539 for six months, making it the third cheapest auto insurance company in Martin Lake.

Martin Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Martin Lake, MN is Iowa Farm Bureau, offering policies at just $533 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $539.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1750 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Martin Lake drivers find the best deals.

Cheap Car Insurance Companies in Martin Lake, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$533	$91
Auto-Owners Insurance Co	$539	$90
Westfield	$539	$92
American Family	$562	$95
West Bend Mutual	$697	$117
Travelers	$747	$126
Nationwide	$826	$140
USAA	$863	$145
AAA	$893	$150
Auto-Owners	$955	$161
West Bend	$1028	$175
State Farm	$1076	$181
Western National	$1388	$236
Allstate	$1456	$245
North Star Mutual	$1707	$290
Farmers	$1750	$291

Key Takeaways

Way's key takeaways about car insurance in Martin Lake

The auto insurance costs in Martin Lake fall around $533 for six months.
The cheapest auto insurance company in Martin Lake is Westfield.
Teen drivers pay the highest rate in Martin Lake at $1052 per month.

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Cheapest Minimum Liability Car Insurance in Martin Lake

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 Martin Lake are given below.

Westfield provides the cheapest minimum car insurance coverage in Martin Lake. Their Average 6 Month Premium is $147. Nationwide is the most expensive at $318 for the same period.

Cheapest Liability Coverage in Martin Lake, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$147	$25
West Bend Mutual	$208	$35
North Star Mutual Insurance	$227	$38
USAA	$245	$41
Auto-Owners Insurance Co	$256	$43
Iowa Farm Bureau	$256	$43
West Bend	$256	$43
Farmers Union Insurance	$263	$44
Auto-Owners	$269	$45
North Star Mutual	$269	$45
AAA	$300	$50
American Family	$300	$50
Travelers	$300	$50
State Farm	$324	$55
Western National	$343	$58
Allstate	$502	$84
Farmers	$710	$121
Nationwide	$318	$53

Cheapest Full Coverage Car Insurance in Martin Lake

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 Martin Lake is Iowa Farm Bureau at $91 per month and $533 for six months.

Cheapest Full Coverage Car Insurance Quotes in Martin Lake, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$533	$91
Auto-Owners Insurance Co	$539	$90
Westfield	$539	$92
American Family	$562	$95
West Bend Mutual	$697	$117
Travelers	$747	$126
Nationwide	$826	$140
USAA	$863	$145
AAA	$893	$150
Auto-Owners	$955	$161
West Bend	$1028	$175
State Farm	$1076	$181
Western National	$1388	$236
Allstate	$1456	$245
North Star Mutual	$1707	$290
Farmers	$1750	$291

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

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

Car Insurance Premiums by Age in Martin Lake

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	$674
30s	Farm Bureau Mutual	$481
40s	Farm Bureau Mutual	$476
50s	Farm Bureau Mutual	$401
60s	Farm Bureau Mutual	$410
70s	Farm Bureau Mutual	$481

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

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Martin Lake at $30 per month. At $6308 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$177	$30
North Star Mutual Insurance	$245	$41
Auto-Owners Insurance Co	$263	$44
Iowa Farm Bureau	$269	$45
Farmers Union Insurance	$281	$47
Umialik	$349	$58
American Family	$955	$161
Travelers	$1071	$180
Auto-Owners	$1401	$236
USAA	$1432	$241
State Farm	$2135	$359
AAA	$2154	$363
Allstate	$3432	$578
North Star Mutual	$3598	$599
Western National	$4002	$681
Farmers	$6308	$1052

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 Martin Lake.

As young drivers face the highest rates in Martin Lake, Farm Bureau Mutual offers the cheapest auto insurance rates at $674 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 Martin Lake, West Bend Mutual is the cheapest car insurance provider. At $263 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 Martin Lake is State Farm, offering rates of around $6981 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$263	$44
Westfield	$324	$54
Farmers Union Insurance	$361	$62
Iowa Farm Bureau	$508	$84
American Family	$520	$89
USAA	$1701	$283
AAA	$1896	$319
Travelers	$2441	$407
North Star Mutual	$2826	$481
Auto-Owners	$2949	$491
Farmers	$3242	$551
Western National	$3390	$564
Allstate	$4062	$691
State Farm	$6981	$1164

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Car Insurance Rates with An Accident in Martin Lake

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

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

The cheapest car insurance companies after an at-fault accident in Martin Lake include Westfield and Umialik, offering $214 and $269, respectively. Nationwide is an expensive provider with an average six-month premium of $422.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$214	$36
Umialik	$269	$45
Iowa Farm Bureau	$331	$55
Auto-Owners Insurance Co	$349	$60
Farmers Union Insurance	$355	$59
West Bend Mutual	$361	$62
North Star Mutual Insurance	$416	$69
Encompass	$453	$77
American Family	$637	$107
Western National	$661	$111
Auto-Owners	$710	$119
State Farm	$734	$124
Travelers	$820	$138
USAA	$881	$148
AAA	$1395	$235
North Star Mutual	$1652	$278
Farmers	$2576	$430
Allstate	$2668	$449
Nationwide	$422	$70

Martin Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Martin Lake MN. For example, the car insurance in Martin Lake after a DUI increases to $1125 for a six month policy. While the rate increases by $231 for a six-month policy in the case of a speeding ticket.

Martin Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1053	$175
One Med/PIP claim	$1065	$181
Not-at-fault accident	$1083	$180
One comp claim	$1120	$191
Two Med/PIP claims	$1120	$186
Two comp claims	$1169	$199
Failure to wear a seat belt	$1199	$200
Failure to show documents	$1217	$207
Child safety restraint	$1236	$206
Driving without lights	$1236	$210
Driving with expired registration	$1261	$210
Cell phone violation	$1284	$218
Speeding 6 - 10 MPH over limit	$1284	$214
Texting while driving	$1284	$218
Following too closely	$1297	$216
Driving too slowly	$1303	$221
Failure to yield	$1303	$217
Illegal turn	$1303	$221
Speeding in school zone	$1303	$217
Wrong way/wrong lane	$1303	$221
Failure to stop at a red light	$1309	$218
Improper passing	$1309	$222
Speeding 11 - 15 MPH over limit	$1315	$219
Speeding 16 - 20 MPH over limit	$1328	$226
At-fault accident - less than $1000	$1359	$227
Passing school bus	$1359	$231
In 65 MPH zone	$1365	$228
Operating a vehicle without permission	$1371	$233
Speeding 21 - 25 MPH over limit	$1413	$236
At-fault accident - $1000-$2000	$1511	$256
Open container	$1517	$253
At-fault accident - greater than $2000	$1548	$264
Reckless driving	$1896	$316
Racing	$1958	$333
Driving with a suspended license	$2081	$347
Refusal to submit to a chemical test	$2104	$357
DUI	$2178	$363
Leaving scene of an accident/hit and run	$2258	$384

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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 Martin Lake 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 Martin Lake.

The cheapest car insurance premiums in Martin Lake are offered by Umialik at $269 for a six-month policy. However, it can be as expensive as $4888 with companies like AAA.

Martin Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$269	$45
West Bend Mutual	$281	$47
Farmers Union Insurance	$337	$56
Westfield	$379	$65
Iowa Farm Bureau	$495	$82
Country Financial	$526	$90
Auto-Owners Insurance Co	$562	$94
American Family	$593	$100
Western National	$838	$141
Travelers	$845	$142
State Farm	$1076	$181
USAA	$1163	$196
Auto-Owners	$1199	$202
Farmers	$2612	$444
Allstate	$2772	$467
North Star Mutual	$4882	$830
AAA	$4888	$815

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 Martin Lake are offered by Westfield at $177. However, it can be as expensive as $3065 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Martin Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$177	$30
Iowa Farm Bureau	$281	$47
West Bend Mutual	$281	$47
Auto-Owners Insurance Co	$294	$49
American Family	$312	$52
Farmers Union Insurance	$318	$55
State Farm	$673	$113
Western National	$838	$141
USAA	$887	$148
Auto-Owners	$979	$167
Travelers	$1065	$177
North Star Mutual	$1707	$290
Farmers	$2196	$366
AAA	$2276	$387
Allstate	$3065	$511

Car Insurance Price Trends in Martin Lake, Minnesota

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

The average cost of full coverage in the Martin Lake rose by $221 in January compared to $182 of December. In other words, there has been an increase by $39 when you compare January and December.

The average cost of liability insurance in the Martin Lake rose to $53 in January, compared to $50 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Martin Lake?

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

What is the cheapest car insurance in Martin Lake?

The cheapest car insurance in Martin Lake is $91 per month for full coverage.

How much is car insurance in Martin Lake for teenagers?

Car insurance for teenagers costs $177 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 Martin Lake?

The average cost of car insurance is $944 for a six-month policy. It will cost around $164 per month to insure your car in Martin Lake.

Is car insurance expensive in Martin Lake?

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

Cheapest Car Insurance Quotes in Martin Lake

Why you can trust Way?

How Much Is Car Insurance in Martin Lake

Avg. Car Insurance in Martin Lake

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Martin Lake

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Martin Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Martin Lake, MN

Way's key takeaways about car insurance in Martin Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Martin Lake

Cheapest Liability Coverage in Martin Lake, MN

Cheapest Full Coverage Car Insurance in Martin Lake

Cheapest Full Coverage Car Insurance Quotes in Martin Lake, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Martin Lake by Rating Factor

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

Car Insurance Premiums by Age in Martin Lake

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Martin Lake

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

Martin Lake Car Insurance Rates by Violation

Martin Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Martin Lake after a DUI

Martin Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Martin Lake after Speeding ticket

Car Insurance Price Trends in Martin Lake, Minnesota

Average Car Insurance Cost in Martin Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Martin Lake, MN

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

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