Cheapest Car Insurance Quotes in Mountain Lake

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Mountain Lake Car Insurance

^$ 22

/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 Mountain Lake

The car insurance rate in Mountain Lake is $723 for a six-month policy, which is $80 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $385, making it a popular choice for budget-conscious drivers. Rates in Mountain 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 Mountain Lake

$723

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Mountain Lake

1st place: AAA

At $385 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 $465 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 $471 for six months, making it the third cheapest auto insurance company in Mountain Lake.

Mountain Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mountain Lake, MN is AAA, offering policies at just $385 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $465.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1395 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mountain Lake drivers find the best deals.

Cheap Car Insurance Companies in Mountain Lake, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$385	$66
Iowa Farm Bureau	$465	$77
Auto-Owners Insurance Co	$471	$80
Westfield	$471	$78
American Family	$572	$96
Travelers	$609	$103
West Bend Mutual	$609	$103
Nationwide	$722	$121
USAA	$733	$123
Auto-Owners	$791	$133
State Farm	$893	$150
West Bend	$898	$149
Allstate	$1107	$186
Farmers	$1395	$232

Key Takeaways

Way's key takeaways about car insurance in Mountain Lake

The auto insurance costs in Mountain Lake fall around $385 for six months.
The cheapest auto insurance company in Mountain Lake is Westfield.
Teen drivers pay the highest rate in Mountain Lake at $842 per month.

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

Cheapest Minimum Liability Car Insurance in Mountain 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 Mountain Lake are given below.

Westfield provides the cheapest minimum car insurance coverage in Mountain Lake. Their Average 6 Month Premium is $129. Nationwide is the most expensive at $278 for the same period.

Cheapest Liability Coverage in Mountain Lake, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$129	$22
West Bend Mutual	$182	$31
AAA	$187	$32
North Star Mutual	$198	$33
North Star Mutual Insurance	$198	$33
USAA	$198	$33
Auto-Owners	$224	$38
Auto-Owners Insurance Co	$224	$38
Iowa Farm Bureau	$224	$38
West Bend	$224	$38
Farmers Union Insurance	$230	$39
Travelers	$246	$41
American Family	$257	$43
State Farm	$257	$43
Western National	$273	$47
Allstate	$444	$75
Farmers	$626	$106
Nationwide	$278	$46

Cheapest Full Coverage Car Insurance in Mountain 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 Mountain Lake is AAA at $66 per month and $385 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mountain Lake, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$385	$66
Iowa Farm Bureau	$465	$77
Auto-Owners Insurance Co	$471	$80
Westfield	$471	$78
American Family	$572	$96
Travelers	$609	$103
West Bend Mutual	$609	$103
Nationwide	$722	$121
USAA	$733	$123
Auto-Owners	$791	$133
State Farm	$893	$150
West Bend	$898	$149
Allstate	$1107	$186
Farmers	$1395	$232

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Average Car Insurance in Mountain 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 Mountain Lake, MN increasing?

Despite maintaining a clean driving record, your car insurance rates in Mountain 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, Mountain 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 Mountain 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	$599
30s	Farm Bureau Mutual	$428
40s	Farm Bureau Mutual	$423
50s	Farm Bureau Mutual	$356
60s	Farm Bureau Mutual	$365
70s	Farm Bureau Mutual	$428

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

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Mountain Lake at $26 per month. At $5052 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$155	$26
North Star Mutual Insurance	$214	$36
Auto-Owners Insurance Co	$230	$39
AAA	$235	$40
Iowa Farm Bureau	$235	$40
Farmers Union Insurance	$246	$41
Umialik	$305	$52
Travelers	$780	$131
Auto-Owners	$1122	$189
USAA	$1193	$201
American Family	$1444	$243
State Farm	$1733	$292
Allstate	$2903	$489
Farmers	$5052	$842

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 Mountain Lake.

As young drivers face the highest rates in Mountain Lake, Farm Bureau Mutual offers the cheapest auto insurance rates at $599 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 Mountain Lake, West Bend Mutual is the cheapest car insurance provider. At $230 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 Mountain Lake is State Farm, offering rates of around $4630 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$230	$39
Westfield	$284	$47
Farmers Union Insurance	$315	$54
Iowa Farm Bureau	$444	$74
AAA	$502	$86
American Family	$962	$162
USAA	$1337	$228
Travelers	$1598	$266
Auto-Owners	$2165	$368
Farmers	$2646	$441
Allstate	$2993	$509
State Farm	$4630	$771

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

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

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

The cheapest car insurance companies after an at-fault accident in Mountain Lake include Westfield and Umialik, offering $187 and $235, respectively. Nationwide is an expensive provider with an average six-month premium of $369.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$187	$32
Umialik	$235	$40
Western National	$257	$43
Iowa Farm Bureau	$289	$50
Auto-Owners Insurance Co	$305	$50
Farmers Union Insurance	$311	$53
AAA	$315	$52
West Bend Mutual	$315	$54
North Star Mutual	$331	$55
North Star Mutual Insurance	$364	$62
Encompass	$396	$66
Auto-Owners	$572	$96
State Farm	$604	$102
Travelers	$636	$107
USAA	$733	$123
American Family	$887	$149
Allstate	$1935	$326
Farmers	$2080	$354
Nationwide	$369	$61

Mountain Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mountain Lake MN. For example, the car insurance in Mountain Lake after a DUI increases to $984 for a six month policy. While the rate increases by $202 for a six-month policy in the case of a speeding ticket.

Mountain Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$920	$153
One Med/PIP claim	$931	$158
Not-at-fault accident	$946	$158
One comp claim	$978	$167
Two Med/PIP claims	$978	$163
Two comp claims	$1022	$174
Failure to wear a seat belt	$1048	$175
Failure to show documents	$1064	$181
Child safety restraint	$1080	$180
Driving without lights	$1080	$184
Driving with expired registration	$1102	$184
Cell phone violation	$1122	$191
Speeding 6 - 10 MPH over limit	$1122	$187
Texting while driving	$1122	$191
Following too closely	$1133	$189
Driving too slowly	$1139	$194
Failure to yield	$1139	$190
Illegal turn	$1139	$194
Speeding in school zone	$1139	$190
Wrong way/wrong lane	$1139	$194
Failure to stop at a red light	$1144	$191
Improper passing	$1144	$194
Speeding 11 - 15 MPH over limit	$1149	$192
Speeding 16 - 20 MPH over limit	$1160	$197
At-fault accident - less than $1000	$1187	$198
Passing school bus	$1187	$202
In 65 MPH zone	$1193	$199
Operating a vehicle without permission	$1198	$203
Speeding 21 - 25 MPH over limit	$1235	$206
At-fault accident - $1000-$2000	$1320	$224
Open container	$1326	$221
At-fault accident - greater than $2000	$1353	$230
Reckless driving	$1657	$276
Racing	$1711	$291
Driving with a suspended license	$1818	$303
Refusal to submit to a chemical test	$1839	$312
DUI	$1904	$317
Leaving scene of an accident/hit and run	$1973	$336

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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 Mountain 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 Mountain Lake.

The cheapest car insurance premiums in Mountain Lake are offered by Umialik at $235 for a six-month policy. However, it can be as expensive as $2106 with companies like Farmers.

Mountain Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$235	$40
West Bend Mutual	$246	$41
Western National	$246	$41
Farmers Union Insurance	$294	$50
Westfield	$331	$55
Iowa Farm Bureau	$433	$74
Country Financial	$460	$77
Auto-Owners Insurance Co	$491	$84
Travelers	$669	$113
State Farm	$711	$120
American Family	$802	$135
Auto-Owners	$951	$160
USAA	$968	$163
Allstate	$1994	$336
Farmers	$2106	$351

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 Mountain Lake are offered by Westfield at $155. However, it can be as expensive as $2010 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Mountain Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$155	$26
Iowa Farm Bureau	$246	$41
West Bend Mutual	$246	$41
Western National	$246	$41
Auto-Owners Insurance Co	$257	$43
Farmers Union Insurance	$278	$48
State Farm	$502	$85
American Family	$578	$97
USAA	$684	$114
Auto-Owners	$695	$118
Travelers	$716	$120
Farmers	$1748	$297
Allstate	$2010	$335

Car Insurance Price Trends in Mountain Lake, Minnesota

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

The average cost of full coverage in the Mountain Lake rose by $159 in December compared to $158 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 Mountain Lake remained steady at $44 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Mountain Lake?

The car insurance in Mountain Lake is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Mountain Lake?

The cheapest car insurance in Mountain Lake is $66 per month for full coverage.

How much is car insurance in Mountain Lake for teenagers?

Car insurance for teenagers costs $155 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 Mountain Lake?

The average cost of car insurance is $803 for a six-month policy. It will cost around $121 per month to insure your car in Mountain Lake.

Is car insurance expensive in Mountain Lake?

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

Cheapest Car Insurance Quotes in Mountain Lake

Why you can trust Way?

How Much Is Car Insurance in Mountain Lake

Avg. Car Insurance in Mountain Lake

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Mountain Lake

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

Mountain Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Mountain Lake, MN

Way's key takeaways about car insurance in Mountain Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mountain Lake

Cheapest Liability Coverage in Mountain Lake, MN

Cheapest Full Coverage Car Insurance in Mountain Lake

Cheapest Full Coverage Car Insurance Quotes in Mountain Lake, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mountain Lake by Rating Factor

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

Car Insurance Premiums by Age in Mountain Lake

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Mountain Lake Car Insurance Rates by Violation

Mountain Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mountain Lake after a DUI

Mountain Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mountain Lake after Speeding ticket

Car Insurance Price Trends in Mountain Lake, Minnesota

Average Car Insurance Cost in Mountain Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mountain Lake, MN

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

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