Cheapest Car Insurance Quotes in Motley

Finding the cheapest car insurance quotes in Motley 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Motley 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 Motley

The car insurance rate in Motley is $859 for a six-month policy, which is $56 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $458, making it a popular choice for budget-conscious drivers. Rates in Motley 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 Motley

$859

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Motley

1st place: AAA

At $458 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 $553 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 $560 for six months, making it the third cheapest auto insurance company in Motley.

Motley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Motley, MN is AAA, offering policies at just $458 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $553.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1659 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Motley drivers find the best deals.

Cheap Car Insurance Companies in Motley, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$458	$78
Iowa Farm Bureau	$553	$92
Auto-Owners Insurance Co	$560	$95
Westfield	$560	$93
American Family	$681	$114
Travelers	$724	$122
West Bend Mutual	$724	$122
Nationwide	$858	$143
USAA	$871	$147
Auto-Owners	$941	$158
State Farm	$1061	$179
West Bend	$1068	$178
Allstate	$1316	$221
Farmers	$1659	$276

Key Takeaways

Way's key takeaways about car insurance in Motley

The auto insurance costs in Motley fall around $458 for six months.
The cheapest auto insurance company in Motley is Westfield.
Teen drivers pay the highest rate in Motley at $1002 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 Motley

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 Motley are given below.

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

Cheapest Liability Coverage in Motley, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$153	$26
West Bend Mutual	$216	$36
AAA	$223	$37
North Star Mutual	$235	$40
North Star Mutual Insurance	$235	$40
USAA	$235	$40
Auto-Owners	$266	$45
Auto-Owners Insurance Co	$266	$45
Iowa Farm Bureau	$266	$45
West Bend	$266	$45
Farmers Union Insurance	$273	$46
Travelers	$292	$49
American Family	$305	$51
State Farm	$305	$51
Western National	$324	$56
Allstate	$528	$89
Farmers	$744	$126
Nationwide	$331	$55

Cheapest Full Coverage Car Insurance in Motley

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 Motley is AAA at $78 per month and $458 for six months.

Cheapest Full Coverage Car Insurance Quotes in Motley, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$458	$78
Iowa Farm Bureau	$553	$92
Auto-Owners Insurance Co	$560	$95
Westfield	$560	$93
American Family	$681	$114
Travelers	$724	$122
West Bend Mutual	$724	$122
Nationwide	$858	$143
USAA	$871	$147
Auto-Owners	$941	$158
State Farm	$1061	$179
West Bend	$1068	$178
Allstate	$1316	$221
Farmers	$1659	$276

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Motley Instantly!

Average Car Insurance in Motley 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 Motley, MN increasing?

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

Car Insurance Premiums by Age in Motley

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	$712
30s	Farm Bureau Mutual	$508
40s	Farm Bureau Mutual	$503
50s	Farm Bureau Mutual	$423
60s	Farm Bureau Mutual	$433
70s	Farm Bureau Mutual	$508

Cheapest Car Insurance Rates for Teen Drivers in Motley,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Motley at $31 per month. At $6006 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
AAA	$279	$47
Iowa Farm Bureau	$279	$47
Farmers Union Insurance	$292	$49
Umialik	$363	$62
Travelers	$928	$156
Auto-Owners	$1334	$225
USAA	$1418	$239
American Family	$1716	$289
State Farm	$2060	$347
Allstate	$3451	$581
Farmers	$6006	$1002

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 Motley.

As young drivers face the highest rates in Motley, Farm Bureau Mutual offers the cheapest auto insurance rates at $712 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 Motley, 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 Motley is State Farm, offering rates of around $5504 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
AAA	$597	$102
American Family	$1144	$193
USAA	$1589	$271
Travelers	$1900	$317
Auto-Owners	$2574	$438
Farmers	$3146	$524
Allstate	$3559	$606
State Farm	$5504	$917

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Motley

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

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

The cheapest car insurance companies after an at-fault accident in Motley 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
Western National	$305	$51
Iowa Farm Bureau	$343	$59
Auto-Owners Insurance Co	$363	$60
Farmers Union Insurance	$369	$63
AAA	$375	$62
West Bend Mutual	$375	$64
North Star Mutual	$394	$65
North Star Mutual Insurance	$432	$74
Encompass	$471	$78
Auto-Owners	$681	$114
State Farm	$718	$121
Travelers	$756	$127
USAA	$871	$147
American Family	$1055	$178
Allstate	$2301	$387
Farmers	$2473	$421
Nationwide	$439	$73

Motley Car Insurance Rates by Violation

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

Motley 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

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Motley 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 Motley.

The cheapest car insurance premiums in Motley are offered by Umialik at $279 for a six-month policy. However, it can be as expensive as $2504 with companies like Farmers.

Motley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$279	$47
West Bend Mutual	$292	$49
Western National	$292	$49
Farmers Union Insurance	$350	$60
Westfield	$394	$65
Iowa Farm Bureau	$515	$88
Country Financial	$547	$91
Auto-Owners Insurance Co	$584	$100
Travelers	$795	$134
State Farm	$845	$142
American Family	$953	$161
Auto-Owners	$1131	$190
USAA	$1150	$194
Allstate	$2371	$399
Farmers	$2504	$417

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 Motley are offered by Westfield at $184. However, it can be as expensive as $2389 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Motley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$184	$31
Iowa Farm Bureau	$292	$49
West Bend Mutual	$292	$49
Western National	$292	$49
Auto-Owners Insurance Co	$305	$51
Farmers Union Insurance	$331	$57
State Farm	$597	$101
American Family	$687	$116
USAA	$813	$136
Auto-Owners	$826	$140
Travelers	$852	$142
Farmers	$2078	$353
Allstate	$2389	$398

Car Insurance Price Trends in Motley, Minnesota

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

The average cost of full coverage in the Motley rose by $189 in December compared to $188 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 Motley remained steady at $52 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Motley?

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

What is the cheapest car insurance in Motley?

The cheapest car insurance in Motley is $78 per month for full coverage.

How much is car insurance in Motley 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 Motley?

The average cost of car insurance is $803 for a six-month policy. It will cost around $143 per month to insure your car in Motley.

Is car insurance expensive in Motley?

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

Cheapest Car Insurance Quotes in Motley

Why you can trust Way?

How Much Is Car Insurance in Motley

Avg. Car Insurance in Motley

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Motley

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

Motley Car Insurance Rates by Company

Cheap Car Insurance Companies in Motley, MN

Way's key takeaways about car insurance in Motley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Motley

Cheapest Liability Coverage in Motley, MN

Cheapest Full Coverage Car Insurance in Motley

Cheapest Full Coverage Car Insurance Quotes in Motley, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Motley by Rating Factor

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

Car Insurance Premiums by Age in Motley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Motley,MN

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

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 Motley

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

Motley Car Insurance Rates by Violation

Motley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Motley after a DUI

Motley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Motley after Speeding ticket

Car Insurance Price Trends in Motley, Minnesota

Average Car Insurance Cost in Motley by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Motley, MN

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

Featured Blogs

Data Sources