Cheapest Car Insurance Quotes in Medicine Lake

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Medicine Lake Car Insurance

^$ 26

/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 Medicine Lake

The car insurance rate in Medicine Lake is $1010 for a six-month policy, which is $66 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $553, making it a popular choice for budget-conscious drivers. Rates in Medicine 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 Medicine Lake

$1010

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Medicine Lake

1st place: Iowa Farm Bureau

At $553 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 $560 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $560 for six months, making it the third cheapest auto insurance company in Medicine Lake.

Medicine Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Medicine Lake, MN is Iowa Farm Bureau, offering policies at just $553 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $560.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1818 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Medicine Lake drivers find the best deals.

Cheap Car Insurance Companies in Medicine Lake, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$553	$94
Auto-Owners Insurance Co	$560	$93
Westfield	$560	$95
American Family	$584	$98
West Bend Mutual	$724	$122
Travelers	$776	$131
Nationwide	$858	$146
USAA	$897	$151
AAA	$928	$156
Auto-Owners	$992	$167
West Bend	$1068	$182
State Farm	$1118	$188
Western National	$1442	$245
Allstate	$1513	$255
North Star Mutual	$1773	$302
Farmers	$1818	$303

Key Takeaways

Way's key takeaways about car insurance in Medicine Lake

The auto insurance costs in Medicine Lake fall around $553 for six months.
The cheapest auto insurance company in Medicine Lake is Westfield.
Teen drivers pay the highest rate in Medicine Lake at $1092 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 Medicine 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 Medicine Lake are given below.

Westfield provides the cheapest minimum car insurance coverage in Medicine Lake. Their Average 6 Month Premium is $153. Nationwide is the most expensive at $331 for the same period.

Cheapest Liability Coverage in Medicine Lake, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$153	$26
West Bend Mutual	$216	$36
North Star Mutual Insurance	$235	$40
USAA	$255	$43
Auto-Owners Insurance Co	$266	$45
Iowa Farm Bureau	$266	$45
West Bend	$266	$45
Farmers Union Insurance	$273	$46
Auto-Owners	$279	$47
North Star Mutual	$279	$47
AAA	$311	$52
American Family	$311	$52
Travelers	$311	$52
State Farm	$337	$57
Western National	$356	$60
Allstate	$521	$88
Farmers	$737	$125
Nationwide	$331	$55

Cheapest Full Coverage Car Insurance in Medicine 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 Medicine Lake is Iowa Farm Bureau at $94 per month and $553 for six months.

Cheapest Full Coverage Car Insurance Quotes in Medicine Lake, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$553	$94
Auto-Owners Insurance Co	$560	$93
Westfield	$560	$95
American Family	$584	$98
West Bend Mutual	$724	$122
Travelers	$776	$131
Nationwide	$858	$146
USAA	$897	$151
AAA	$928	$156
Auto-Owners	$992	$167
West Bend	$1068	$182
State Farm	$1118	$188
Western National	$1442	$245
Allstate	$1513	$255
North Star Mutual	$1773	$302
Farmers	$1818	$303

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Average Car Insurance in Medicine 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 Medicine Lake, MN increasing?

Despite maintaining a clean driving record, your car insurance rates in Medicine 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, Medicine 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 Medicine 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	$700
30s	Farm Bureau Mutual	$500
40s	Farm Bureau Mutual	$494
50s	Farm Bureau Mutual	$416
60s	Farm Bureau Mutual	$426
70s	Farm Bureau Mutual	$500

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

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Medicine Lake at $31 per month. At $6553 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$184	$31
North Star Mutual Insurance	$255	$43
Auto-Owners Insurance Co	$273	$46
Iowa Farm Bureau	$279	$47
Farmers Union Insurance	$292	$49
Umialik	$363	$60
American Family	$992	$167
Travelers	$1113	$187
Auto-Owners	$1455	$245
USAA	$1487	$250
State Farm	$2218	$373
AAA	$2237	$377
Allstate	$3565	$600
North Star Mutual	$3738	$623
Western National	$4157	$707
Farmers	$6553	$1092

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 Medicine Lake.

As young drivers face the highest rates in Medicine Lake, Farm Bureau Mutual offers the cheapest auto insurance rates at $700 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 Medicine Lake, West Bend Mutual is the cheapest car insurance provider. At $273 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 Medicine Lake is State Farm, offering rates of around $7252 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$273	$46
Westfield	$337	$56
Farmers Union Insurance	$375	$64
Iowa Farm Bureau	$528	$88
American Family	$540	$92
USAA	$1767	$294
AAA	$1970	$332
Travelers	$2536	$423
North Star Mutual	$2936	$500
Auto-Owners	$3063	$510
Farmers	$3368	$572
Western National	$3521	$586
Allstate	$4220	$718
State Farm	$7252	$1209

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Car Insurance Rates with An Accident in Medicine 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 Medicine Lake, MN, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Medicine Lake include Westfield and Umialik, offering $223 and $279, respectively. Nationwide is an expensive provider with an average six-month premium of $439.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$223	$37
Umialik	$279	$47
Iowa Farm Bureau	$343	$57
Auto-Owners Insurance Co	$363	$62
Farmers Union Insurance	$369	$61
West Bend Mutual	$375	$64
North Star Mutual Insurance	$432	$72
Encompass	$471	$80
American Family	$661	$111
Western National	$687	$116
Auto-Owners	$737	$124
State Farm	$763	$128
Travelers	$852	$143
USAA	$915	$154
AAA	$1449	$244
North Star Mutual	$1716	$289
Farmers	$2676	$446
Allstate	$2771	$467
Nationwide	$439	$73

Medicine Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Medicine Lake MN. For example, the car insurance in Medicine Lake after a DUI increases to $1169 for a six month policy. While the rate increases by $240 for a six-month policy in the case of a speeding ticket.

Medicine Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1094	$182
One Med/PIP claim	$1106	$188
Not-at-fault accident	$1125	$187
One comp claim	$1163	$198
Two Med/PIP claims	$1163	$194
Two comp claims	$1214	$207
Failure to wear a seat belt	$1245	$208
Failure to show documents	$1265	$215
Child safety restraint	$1284	$214
Driving without lights	$1284	$218
Driving with expired registration	$1310	$218
Cell phone violation	$1334	$227
Speeding 6 - 10 MPH over limit	$1334	$223
Texting while driving	$1334	$227
Following too closely	$1347	$225
Driving too slowly	$1354	$230
Failure to yield	$1354	$226
Illegal turn	$1354	$230
Speeding in school zone	$1354	$226
Wrong way/wrong lane	$1354	$230
Failure to stop at a red light	$1360	$227
Improper passing	$1360	$231
Speeding 11 - 15 MPH over limit	$1366	$228
Speeding 16 - 20 MPH over limit	$1379	$234
At-fault accident - less than $1000	$1411	$235
Passing school bus	$1411	$240
In 65 MPH zone	$1418	$236
Operating a vehicle without permission	$1424	$242
Speeding 21 - 25 MPH over limit	$1468	$245
At-fault accident - $1000-$2000	$1570	$266
Open container	$1576	$263
At-fault accident - greater than $2000	$1608	$274
Reckless driving	$1970	$328
Racing	$2034	$346
Driving with a suspended license	$2161	$361
Refusal to submit to a chemical test	$2186	$371
DUI	$2263	$377
Leaving scene of an accident/hit and run	$2345	$399

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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 Medicine 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 Medicine Lake.

The cheapest car insurance premiums in Medicine Lake are offered by Umialik at $279 for a six-month policy. However, it can be as expensive as $5078 with companies like AAA.

Medicine Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$279	$47
West Bend Mutual	$292	$49
Farmers Union Insurance	$350	$58
Westfield	$394	$67
Iowa Farm Bureau	$515	$86
Country Financial	$547	$93
Auto-Owners Insurance Co	$584	$97
American Family	$616	$104
Western National	$871	$147
Travelers	$877	$148
State Farm	$1118	$188
USAA	$1208	$203
Auto-Owners	$1245	$210
Farmers	$2714	$461
Allstate	$2879	$485
North Star Mutual	$5072	$862
AAA	$5078	$846

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 Medicine Lake are offered by Westfield at $184. However, it can be as expensive as $3184 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Medicine Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$184	$31
Iowa Farm Bureau	$292	$49
West Bend Mutual	$292	$49
Auto-Owners Insurance Co	$305	$51
American Family	$324	$54
Farmers Union Insurance	$331	$57
State Farm	$699	$118
Western National	$871	$147
USAA	$921	$154
Auto-Owners	$1017	$173
Travelers	$1106	$184
North Star Mutual	$1773	$302
Farmers	$2281	$380
AAA	$2365	$402
Allstate	$3184	$531

Car Insurance Price Trends in Medicine Lake, Minnesota

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

The average cost of full coverage in the Medicine Lake rose by $230 in January compared to $189 of December. In other words, there has been an increase by $41 when you compare January and December.

The average cost of liability insurance in the Medicine Lake rose to $55 in January, compared to $52 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 Medicine Lake?

The car insurance in Medicine Lake is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Medicine Lake?

The cheapest car insurance in Medicine Lake is $94 per month for full coverage.

How much is car insurance in Medicine Lake for teenagers?

Car insurance for teenagers costs $184 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 Medicine Lake?

The average cost of car insurance is $944 for a six-month policy. It will cost around $170 per month to insure your car in Medicine Lake.

Is car insurance expensive in Medicine Lake?

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

Cheapest Car Insurance Quotes in Medicine Lake

Why you can trust Way?

How Much Is Car Insurance in Medicine Lake

Avg. Car Insurance in Medicine Lake

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Medicine Lake

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Medicine Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Medicine Lake, MN

Way's key takeaways about car insurance in Medicine Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Medicine Lake

Cheapest Liability Coverage in Medicine Lake, MN

Cheapest Full Coverage Car Insurance in Medicine Lake

Cheapest Full Coverage Car Insurance Quotes in Medicine Lake, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Medicine Lake by Rating Factor

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

Car Insurance Premiums by Age in Medicine Lake

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Medicine Lake Car Insurance Rates by Violation

Medicine Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Medicine Lake after a DUI

Medicine Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Medicine Lake after Speeding ticket

Car Insurance Price Trends in Medicine Lake, Minnesota

Average Car Insurance Cost in Medicine Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Medicine Lake, MN

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

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