Cheapest Car Insurance Quotes in New Richland

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New Richland Car Insurance

^$ 21

/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 New Richland

The car insurance rate in New Richland is $707 for a six-month policy, which is $96 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $377, making it a popular choice for budget-conscious drivers. Rates in New Richland 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 New Richland

$707

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in New Richland

1st place: AAA

At $377 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 $455 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 $460 for six months, making it the third cheapest auto insurance company in New Richland.

New Richland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Richland, MN is AAA, offering policies at just $377 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $455.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1364 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Richland drivers find the best deals.

Cheap Car Insurance Companies in New Richland, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$377	$64
Iowa Farm Bureau	$455	$76
Auto-Owners Insurance Co	$460	$78
Westfield	$460	$77
American Family	$560	$94
Travelers	$596	$100
West Bend Mutual	$596	$100
Nationwide	$706	$118
USAA	$716	$121
Auto-Owners	$774	$130
State Farm	$873	$147
West Bend	$878	$146
Allstate	$1082	$182
Farmers	$1364	$227

Key Takeaways

Way's key takeaways about car insurance in New Richland

The auto insurance costs in New Richland fall around $377 for six months.
The cheapest auto insurance company in New Richland is Westfield.
Teen drivers pay the highest rate in New Richland at $824 per month.

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Cheapest Minimum Liability Car Insurance in New Richland

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 New Richland are given below.

Westfield provides the cheapest minimum car insurance coverage in New Richland. Their Average 6 Month Premium is $126. Nationwide is the most expensive at $272 for the same period.

Cheapest Liability Coverage in New Richland, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$126	$21
West Bend Mutual	$178	$30
AAA	$183	$31
North Star Mutual	$194	$33
North Star Mutual Insurance	$194	$33
USAA	$194	$33
Auto-Owners	$219	$37
Auto-Owners Insurance Co	$219	$37
Iowa Farm Bureau	$219	$37
West Bend	$219	$37
Farmers Union Insurance	$224	$38
Travelers	$240	$40
American Family	$251	$42
State Farm	$251	$42
Western National	$267	$46
Allstate	$434	$73
Farmers	$612	$104
Nationwide	$272	$45

Cheapest Full Coverage Car Insurance in New Richland

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 New Richland is AAA at $64 per month and $377 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Richland, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$377	$64
Iowa Farm Bureau	$455	$76
Auto-Owners Insurance Co	$460	$78
Westfield	$460	$77
American Family	$560	$94
Travelers	$596	$100
West Bend Mutual	$596	$100
Nationwide	$706	$118
USAA	$716	$121
Auto-Owners	$774	$130
State Farm	$873	$147
West Bend	$878	$146
Allstate	$1082	$182
Farmers	$1364	$227

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Average Car Insurance in New Richland 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 New Richland, MN increasing?

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

Car Insurance Premiums by Age in New Richland

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	$585
30s	Farm Bureau Mutual	$418
40s	Farm Bureau Mutual	$414
50s	Farm Bureau Mutual	$348
60s	Farm Bureau Mutual	$356
70s	Farm Bureau Mutual	$418

Cheapest Car Insurance Rates for Teen Drivers in New Richland,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the New Richland at $26 per month. At $4939 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$151	$26
North Star Mutual Insurance	$209	$35
Auto-Owners Insurance Co	$224	$38
AAA	$230	$39
Iowa Farm Bureau	$230	$39
Farmers Union Insurance	$240	$40
Umialik	$298	$51
Travelers	$763	$128
Auto-Owners	$1097	$185
USAA	$1166	$196
American Family	$1412	$238
State Farm	$1694	$285
Allstate	$2838	$478
Farmers	$4939	$824

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 New Richland.

As young drivers face the highest rates in New Richland, Farm Bureau Mutual offers the cheapest auto insurance rates at $585 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 New Richland, West Bend Mutual is the cheapest car insurance provider. At $224 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 New Richland is State Farm, offering rates of around $4527 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$224	$38
Westfield	$277	$46
Farmers Union Insurance	$308	$53
Iowa Farm Bureau	$434	$72
AAA	$491	$84
American Family	$941	$158
USAA	$1307	$223
Travelers	$1563	$260
Auto-Owners	$2117	$360
Farmers	$2587	$431
Allstate	$2927	$498
State Farm	$4527	$754

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

Car Insurance Rates with An Accident in New Richland

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

Cheapest Car Insurance Companies after an At-Fault Accident in New Richland

The cheapest car insurance companies after an at-fault accident in New Richland include Westfield and Umialik, offering $183 and $230, respectively. Nationwide is an expensive provider with an average six-month premium of $361.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$183	$31
Umialik	$230	$39
Western National	$251	$42
Iowa Farm Bureau	$282	$48
Auto-Owners Insurance Co	$298	$49
Farmers Union Insurance	$304	$52
AAA	$308	$51
West Bend Mutual	$308	$53
North Star Mutual	$324	$54
North Star Mutual Insurance	$356	$61
Encompass	$387	$64
Auto-Owners	$560	$94
State Farm	$590	$99
Travelers	$622	$105
USAA	$716	$121
American Family	$868	$146
Allstate	$1892	$319
Farmers	$2034	$346
Nationwide	$361	$60

New Richland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New Richland MN. For example, the car insurance in New Richland after a DUI increases to $962 for a six month policy. While the rate increases by $198 for a six-month policy in the case of a speeding ticket.

New Richland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$899	$150
One Med/PIP claim	$910	$155
Not-at-fault accident	$925	$154
One comp claim	$957	$163
Two Med/PIP claims	$957	$159
Two comp claims	$999	$170
Failure to wear a seat belt	$1024	$171
Failure to show documents	$1040	$177
Child safety restraint	$1056	$176
Driving without lights	$1056	$180
Driving with expired registration	$1077	$180
Cell phone violation	$1097	$187
Speeding 6 - 10 MPH over limit	$1097	$183
Texting while driving	$1097	$187
Following too closely	$1108	$185
Driving too slowly	$1113	$189
Failure to yield	$1113	$186
Illegal turn	$1113	$189
Speeding in school zone	$1113	$186
Wrong way/wrong lane	$1113	$189
Failure to stop at a red light	$1118	$187
Improper passing	$1118	$190
Speeding 11 - 15 MPH over limit	$1124	$187
Speeding 16 - 20 MPH over limit	$1134	$193
At-fault accident - less than $1000	$1161	$194
Passing school bus	$1161	$197
In 65 MPH zone	$1166	$194
Operating a vehicle without permission	$1171	$199
Speeding 21 - 25 MPH over limit	$1207	$202
At-fault accident - $1000-$2000	$1291	$219
Open container	$1296	$216
At-fault accident - greater than $2000	$1323	$225
Reckless driving	$1620	$270
Racing	$1673	$284
Driving with a suspended license	$1778	$297
Refusal to submit to a chemical test	$1798	$305
DUI	$1861	$310
Leaving scene of an accident/hit and run	$1929	$328

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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 New Richland 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 New Richland.

The cheapest car insurance premiums in New Richland are offered by Umialik at $230 for a six-month policy. However, it can be as expensive as $2059 with companies like Farmers.

New Richland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$230	$39
West Bend Mutual	$240	$40
Western National	$240	$40
Farmers Union Insurance	$288	$49
Westfield	$324	$54
Iowa Farm Bureau	$423	$72
Country Financial	$450	$75
Auto-Owners Insurance Co	$480	$82
Travelers	$654	$110
State Farm	$695	$117
American Family	$784	$132
Auto-Owners	$930	$157
USAA	$946	$159
Allstate	$1950	$328
Farmers	$2059	$343

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 New Richland are offered by Westfield at $151. However, it can be as expensive as $1965 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in New Richland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$151	$26
Iowa Farm Bureau	$240	$40
West Bend Mutual	$240	$40
Western National	$240	$40
Auto-Owners Insurance Co	$251	$42
Farmers Union Insurance	$272	$47
State Farm	$491	$83
American Family	$565	$95
USAA	$669	$112
Auto-Owners	$679	$115
Travelers	$700	$117
Farmers	$1709	$290
Allstate	$1965	$327

Car Insurance Price Trends in New Richland, Minnesota

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

The average cost of full coverage in the New Richland rose by $156 in December compared to $155 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 New Richland remained steady at $43 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 New Richland?

The car insurance in New Richland is $21 per month, which is lower than the national average.

What is the cheapest car insurance in New Richland?

The cheapest car insurance in New Richland is $64 per month for full coverage.

How much is car insurance in New Richland for teenagers?

Car insurance for teenagers costs $151 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 New Richland?

The average cost of car insurance is $803 for a six-month policy. It will cost around $118 per month to insure your car in New Richland.

Is car insurance expensive in New Richland?

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

Cheapest Car Insurance Quotes in New Richland

Why you can trust Way?

How Much Is Car Insurance in New Richland

Avg. Car Insurance in New Richland

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in New Richland

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

New Richland Car Insurance Rates by Company

Cheap Car Insurance Companies in New Richland, MN

Way's key takeaways about car insurance in New Richland

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in New Richland

Cheapest Liability Coverage in New Richland, MN

Cheapest Full Coverage Car Insurance in New Richland

Cheapest Full Coverage Car Insurance Quotes in New Richland, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in New Richland by Rating Factor

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

Car Insurance Premiums by Age in New Richland

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in New Richland,MN

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

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 New Richland

Cheapest Car Insurance Companies after an At-Fault Accident in New Richland

New Richland Car Insurance Rates by Violation

New Richland auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in New Richland after a DUI

New Richland car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in New Richland after Speeding ticket

Car Insurance Price Trends in New Richland, Minnesota

Average Car Insurance Cost in New Richland by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near New Richland, MN

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

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