Cheapest Car Insurance Quotes in Pequot Lakes

Finding the cheapest car insurance quotes in Pequot Lakes 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.
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Pequot Lakes 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 Pequot Lakes

The car insurance rate in Pequot Lakes is $843 for a six-month policy, which is $40 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $449, making it a popular choice for budget-conscious drivers. Rates in Pequot Lakes 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 Pequot Lakes

$843

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Pequot Lakes

1st place: AAA

At $449 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 $543 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 $549 for six months, making it the third cheapest auto insurance company in Pequot Lakes.

Pequot Lakes Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pequot Lakes, MN is AAA, offering policies at just $449 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $543.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1628 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pequot Lakes drivers find the best deals.

Cheap Car Insurance Companies in Pequot Lakes, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$449	$77
Iowa Farm Bureau	$543	$90
Auto-Owners Insurance Co	$549	$93
Westfield	$549	$91
American Family	$668	$112
Travelers	$711	$120
West Bend Mutual	$711	$120
Nationwide	$842	$141
USAA	$855	$144
Auto-Owners	$923	$155
State Farm	$1042	$175
West Bend	$1048	$174
Allstate	$1292	$217
Farmers	$1628	$271

Key Takeaways

Way's key takeaways about car insurance in Pequot Lakes

The auto insurance costs in Pequot Lakes fall around $449 for six months.
The cheapest auto insurance company in Pequot Lakes is Westfield.
Teen drivers pay the highest rate in Pequot Lakes at $983 per month.

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

Cheapest Minimum Liability Car Insurance in Pequot Lakes

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 Pequot Lakes are given below.

Westfield provides the cheapest minimum car insurance coverage in Pequot Lakes. Their Average 6 Month Premium is $150. Nationwide is the most expensive at $324 for the same period.

Cheapest Liability Coverage in Pequot Lakes, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$150	$25
West Bend Mutual	$212	$36
AAA	$218	$37
North Star Mutual	$231	$39
North Star Mutual Insurance	$231	$39
USAA	$231	$39
Auto-Owners	$261	$44
Auto-Owners Insurance Co	$261	$44
Iowa Farm Bureau	$261	$44
West Bend	$261	$44
Farmers Union Insurance	$268	$45
Travelers	$287	$48
American Family	$299	$50
State Farm	$299	$50
Western National	$318	$55
Allstate	$518	$87
Farmers	$730	$124
Nationwide	$324	$54

Cheapest Full Coverage Car Insurance in Pequot Lakes

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 Pequot Lakes is AAA at $77 per month and $449 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pequot Lakes, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$449	$77
Iowa Farm Bureau	$543	$90
Auto-Owners Insurance Co	$549	$93
Westfield	$549	$91
American Family	$668	$112
Travelers	$711	$120
West Bend Mutual	$711	$120
Nationwide	$842	$141
USAA	$855	$144
Auto-Owners	$923	$155
State Farm	$1042	$175
West Bend	$1048	$174
Allstate	$1292	$217
Farmers	$1628	$271

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Average Car Insurance in Pequot Lakes 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 Pequot Lakes, MN increasing?

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

Car Insurance Premiums by Age in Pequot Lakes

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	$698
30s	Farm Bureau Mutual	$499
40s	Farm Bureau Mutual	$494
50s	Farm Bureau Mutual	$415
60s	Farm Bureau Mutual	$425
70s	Farm Bureau Mutual	$499

Cheapest Car Insurance Rates for Teen Drivers in Pequot Lakes,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Pequot Lakes at $30 per month. At $5894 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$181	$30
North Star Mutual Insurance	$250	$42
Auto-Owners Insurance Co	$268	$45
AAA	$274	$46
Iowa Farm Bureau	$274	$46
Farmers Union Insurance	$287	$48
Umialik	$356	$61
Travelers	$910	$153
Auto-Owners	$1309	$221
USAA	$1391	$234
American Family	$1684	$284
State Farm	$2021	$340
Allstate	$3386	$570
Farmers	$5894	$983

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 Pequot Lakes.

As young drivers face the highest rates in Pequot Lakes, Farm Bureau Mutual offers the cheapest auto insurance rates at $698 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 Pequot Lakes, West Bend Mutual is the cheapest car insurance provider. At $268 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 Pequot Lakes is State Farm, offering rates of around $5401 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$268	$45
Westfield	$331	$55
Farmers Union Insurance	$368	$63
Iowa Farm Bureau	$518	$86
AAA	$586	$100
American Family	$1122	$189
USAA	$1559	$266
Travelers	$1865	$311
Auto-Owners	$2526	$429
Farmers	$3087	$515
Allstate	$3492	$594
State Farm	$5401	$900

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

Car Insurance Rates with An Accident in Pequot Lakes

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

Cheapest Car Insurance Companies after an At-Fault Accident in Pequot Lakes

The cheapest car insurance companies after an at-fault accident in Pequot Lakes include Westfield and Umialik, offering $218 and $274, respectively. Nationwide is an expensive provider with an average six-month premium of $431.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$218	$37
Umialik	$274	$46
Western National	$299	$50
Iowa Farm Bureau	$337	$58
Auto-Owners Insurance Co	$356	$59
Farmers Union Insurance	$362	$62
AAA	$368	$61
West Bend Mutual	$368	$63
North Star Mutual	$386	$64
North Star Mutual Insurance	$424	$72
Encompass	$462	$77
Auto-Owners	$668	$112
State Farm	$705	$119
Travelers	$742	$125
USAA	$855	$144
American Family	$1035	$174
Allstate	$2258	$380
Farmers	$2427	$413
Nationwide	$431	$71

Pequot Lakes Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pequot Lakes MN. For example, the car insurance in Pequot Lakes after a DUI increases to $1148 for a six month policy. While the rate increases by $236 for a six-month policy in the case of a speeding ticket.

Pequot Lakes auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1073	$179
One Med/PIP claim	$1086	$185
Not-at-fault accident	$1104	$184
One comp claim	$1141	$194
Two Med/PIP claims	$1141	$190
Two comp claims	$1192	$203
Failure to wear a seat belt	$1222	$204
Failure to show documents	$1241	$211
Child safety restraint	$1260	$210
Driving without lights	$1260	$214
Driving with expired registration	$1285	$214
Cell phone violation	$1309	$223
Speeding 6 - 10 MPH over limit	$1309	$218
Texting while driving	$1309	$223
Following too closely	$1322	$221
Driving too slowly	$1328	$226
Failure to yield	$1328	$222
Illegal turn	$1328	$226
Speeding in school zone	$1328	$222
Wrong way/wrong lane	$1328	$226
Failure to stop at a red light	$1335	$223
Improper passing	$1335	$227
Speeding 11 - 15 MPH over limit	$1341	$224
Speeding 16 - 20 MPH over limit	$1353	$230
At-fault accident - less than $1000	$1385	$231
Passing school bus	$1385	$235
In 65 MPH zone	$1391	$232
Operating a vehicle without permission	$1398	$237
Speeding 21 - 25 MPH over limit	$1441	$240
At-fault accident - $1000-$2000	$1540	$261
Open container	$1547	$258
At-fault accident - greater than $2000	$1578	$269
Reckless driving	$1933	$322
Racing	$1996	$339
Driving with a suspended license	$2121	$354
Refusal to submit to a chemical test	$2145	$364
DUI	$2221	$370
Leaving scene of an accident/hit and run	$2302	$392

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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 Pequot Lakes 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 Pequot Lakes.

The cheapest car insurance premiums in Pequot Lakes are offered by Umialik at $274 for a six-month policy. However, it can be as expensive as $2457 with companies like Farmers.

Pequot Lakes car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$274	$46
West Bend Mutual	$287	$48
Western National	$287	$48
Farmers Union Insurance	$343	$59
Westfield	$386	$64
Iowa Farm Bureau	$505	$86
Country Financial	$537	$89
Auto-Owners Insurance Co	$573	$98
Travelers	$780	$131
State Farm	$830	$140
American Family	$936	$158
Auto-Owners	$1110	$187
USAA	$1129	$190
Allstate	$2327	$392
Farmers	$2457	$410

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 Pequot Lakes are offered by Westfield at $181. However, it can be as expensive as $2345 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Pequot Lakes after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$181	$30
Iowa Farm Bureau	$287	$48
West Bend Mutual	$287	$48
Western National	$287	$48
Auto-Owners Insurance Co	$299	$50
Farmers Union Insurance	$324	$56
State Farm	$586	$99
American Family	$674	$113
USAA	$798	$133
Auto-Owners	$811	$138
Travelers	$836	$140
Farmers	$2039	$347
Allstate	$2345	$391

Car Insurance Price Trends in Pequot Lakes, Minnesota

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

The average cost of full coverage in the Pequot Lakes rose by $186 in December compared to $185 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 Pequot Lakes remained steady at $51 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 Pequot Lakes?

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

What is the cheapest car insurance in Pequot Lakes?

The cheapest car insurance in Pequot Lakes is $77 per month for full coverage.

How much is car insurance in Pequot Lakes for teenagers?

Car insurance for teenagers costs $181 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 Pequot Lakes?

The average cost of car insurance is $803 for a six-month policy. It will cost around $141 per month to insure your car in Pequot Lakes.

Is car insurance expensive in Pequot Lakes?

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

Cheapest Car Insurance Quotes in Pequot Lakes

Why you can trust Way?

How Much Is Car Insurance in Pequot Lakes

Avg. Car Insurance in Pequot Lakes

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Pequot Lakes

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

Pequot Lakes Car Insurance Rates by Company

Cheap Car Insurance Companies in Pequot Lakes, MN

Way's key takeaways about car insurance in Pequot Lakes

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Pequot Lakes

Cheapest Liability Coverage in Pequot Lakes, MN

Cheapest Full Coverage Car Insurance in Pequot Lakes

Cheapest Full Coverage Car Insurance Quotes in Pequot Lakes, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Pequot Lakes by Rating Factor

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

Car Insurance Premiums by Age in Pequot Lakes

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Pequot Lakes,MN

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

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 Pequot Lakes

Cheapest Car Insurance Companies after an At-Fault Accident in Pequot Lakes

Pequot Lakes Car Insurance Rates by Violation

Pequot Lakes auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Pequot Lakes after a DUI

Pequot Lakes car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Pequot Lakes after Speeding ticket

Car Insurance Price Trends in Pequot Lakes, Minnesota

Average Car Insurance Cost in Pequot Lakes by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Pequot Lakes, MN

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

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