Cheapest Car Insurance Quotes in Red Lake Falls

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Red Lake Falls 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 Red Lake Falls

The car insurance rate in Red Lake Falls is $859 for a six-month policy, which is $85 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $470, making it a popular choice for budget-conscious drivers. Rates in Red Lake Falls 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 Red Lake Falls

$859

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Red Lake Falls

1st place: Iowa Farm Bureau

At $470 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 $476 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $476 for six months, making it the third cheapest auto insurance company in Red Lake Falls.

Red Lake Falls Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Red Lake Falls, MN is Iowa Farm Bureau, offering policies at just $470 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $476.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1546 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Red Lake Falls drivers find the best deals.

Cheap Car Insurance Companies in Red Lake Falls, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$470	$80
Auto-Owners Insurance Co	$476	$79
Westfield	$476	$81
American Family	$497	$84
West Bend Mutual	$616	$104
Travelers	$660	$111
Nationwide	$730	$124
USAA	$763	$128
AAA	$789	$133
Auto-Owners	$844	$142
West Bend	$908	$155
State Farm	$951	$160
Western National	$1227	$208
Allstate	$1287	$217
North Star Mutual	$1508	$257
Farmers	$1546	$258

Key Takeaways

Way's key takeaways about car insurance in Red Lake Falls

The auto insurance costs in Red Lake Falls fall around $470 for six months.
The cheapest auto insurance company in Red Lake Falls is Westfield.
Teen drivers pay the highest rate in Red Lake Falls at $929 per month.

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

Cheapest Minimum Liability Car Insurance in Red Lake Falls

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 Red Lake Falls are given below.

Westfield provides the cheapest minimum car insurance coverage in Red Lake Falls. Their Average 6 Month Premium is $130. Nationwide is the most expensive at $281 for the same period.

Cheapest Liability Coverage in Red Lake Falls, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$130	$22
West Bend Mutual	$184	$31
North Star Mutual Insurance	$200	$34
USAA	$217	$36
Auto-Owners Insurance Co	$227	$38
Iowa Farm Bureau	$227	$38
West Bend	$227	$38
Farmers Union Insurance	$232	$39
Auto-Owners	$238	$40
North Star Mutual	$238	$40
AAA	$265	$45
American Family	$265	$45
Travelers	$265	$45
State Farm	$287	$48
Western National	$303	$51
Allstate	$443	$75
Farmers	$627	$106
Nationwide	$281	$46

Cheapest Full Coverage Car Insurance in Red Lake Falls

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 Red Lake Falls is Iowa Farm Bureau at $80 per month and $470 for six months.

Cheapest Full Coverage Car Insurance Quotes in Red Lake Falls, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$470	$80
Auto-Owners Insurance Co	$476	$79
Westfield	$476	$81
American Family	$497	$84
West Bend Mutual	$616	$104
Travelers	$660	$111
Nationwide	$730	$124
USAA	$763	$128
AAA	$789	$133
Auto-Owners	$844	$142
West Bend	$908	$155
State Farm	$951	$160
Western National	$1227	$208
Allstate	$1287	$217
North Star Mutual	$1508	$257
Farmers	$1546	$258

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Average Car Insurance in Red Lake Falls 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 Red Lake Falls, MN increasing?

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

Car Insurance Premiums by Age in Red Lake Falls

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	$595
30s	Farm Bureau Mutual	$425
40s	Farm Bureau Mutual	$420
50s	Farm Bureau Mutual	$354
60s	Farm Bureau Mutual	$362
70s	Farm Bureau Mutual	$425

Cheapest Car Insurance Rates for Teen Drivers in Red Lake Falls,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Red Lake Falls at $26 per month. At $5573 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$157	$26
North Star Mutual Insurance	$217	$36
Auto-Owners Insurance Co	$232	$39
Iowa Farm Bureau	$238	$40
Farmers Union Insurance	$248	$42
Umialik	$308	$51
American Family	$844	$142
Travelers	$946	$159
Auto-Owners	$1238	$208
USAA	$1265	$213
State Farm	$1886	$318
AAA	$1903	$320
Allstate	$3032	$511
North Star Mutual	$3179	$530
Western National	$3535	$602
Farmers	$5573	$929

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 Red Lake Falls.

As young drivers face the highest rates in Red Lake Falls, Farm Bureau Mutual offers the cheapest auto insurance rates at $595 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 Red Lake Falls, West Bend Mutual is the cheapest car insurance provider. At $232 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 Red Lake Falls is State Farm, offering rates of around $6168 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$232	$39
Westfield	$287	$47
Farmers Union Insurance	$319	$55
Iowa Farm Bureau	$449	$75
American Family	$460	$78
USAA	$1502	$250
AAA	$1675	$282
Travelers	$2157	$359
North Star Mutual	$2497	$425
Auto-Owners	$2605	$434
Farmers	$2865	$487
Western National	$2995	$499
Allstate	$3589	$611
State Farm	$6168	$1028

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

Car Insurance Rates with An Accident in Red Lake Falls

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 Red Lake Falls, MN, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Red Lake Falls include Westfield and Umialik, offering $189 and $238, respectively. Nationwide is an expensive provider with an average six-month premium of $373.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$189	$32
Umialik	$238	$40
Iowa Farm Bureau	$292	$48
Auto-Owners Insurance Co	$308	$53
Farmers Union Insurance	$314	$52
West Bend Mutual	$319	$55
North Star Mutual Insurance	$368	$61
Encompass	$400	$68
American Family	$562	$95
Western National	$584	$98
Auto-Owners	$627	$106
State Farm	$649	$109
Travelers	$724	$122
USAA	$778	$131
AAA	$1232	$207
North Star Mutual	$1460	$246
Farmers	$2276	$379
Allstate	$2357	$397
Nationwide	$373	$62

Red Lake Falls Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Red Lake Falls MN. For example, the car insurance in Red Lake Falls after a DUI increases to $995 for a six month policy. While the rate increases by $205 for a six-month policy in the case of a speeding ticket.

Red Lake Falls auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$930	$155
One Med/PIP claim	$941	$160
Not-at-fault accident	$956	$159
One comp claim	$989	$168
Two Med/PIP claims	$989	$165
Two comp claims	$1033	$176
Failure to wear a seat belt	$1059	$177
Failure to show documents	$1076	$183
Child safety restraint	$1092	$182
Driving without lights	$1092	$186
Driving with expired registration	$1114	$186
Cell phone violation	$1135	$193
Speeding 6 - 10 MPH over limit	$1135	$189
Texting while driving	$1135	$193
Following too closely	$1146	$191
Driving too slowly	$1151	$196
Failure to yield	$1151	$192
Illegal turn	$1151	$196
Speeding in school zone	$1151	$192
Wrong way/wrong lane	$1151	$196
Failure to stop at a red light	$1157	$193
Improper passing	$1157	$197
Speeding 11 - 15 MPH over limit	$1162	$194
Speeding 16 - 20 MPH over limit	$1173	$199
At-fault accident - less than $1000	$1200	$200
Passing school bus	$1200	$204
In 65 MPH zone	$1206	$201
Operating a vehicle without permission	$1211	$206
Speeding 21 - 25 MPH over limit	$1249	$208
At-fault accident - $1000-$2000	$1335	$227
Open container	$1340	$224
At-fault accident - greater than $2000	$1368	$233
Reckless driving	$1675	$279
Racing	$1730	$294
Driving with a suspended license	$1838	$307
Refusal to submit to a chemical test	$1859	$316
DUI	$1925	$320
Leaving scene of an accident/hit and run	$1995	$339

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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 Red Lake Falls 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 Red Lake Falls.

The cheapest car insurance premiums in Red Lake Falls are offered by Umialik at $238 for a six-month policy. However, it can be as expensive as $4319 with companies like AAA.

Red Lake Falls car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$238	$40
West Bend Mutual	$248	$42
Farmers Union Insurance	$298	$49
Westfield	$335	$57
Iowa Farm Bureau	$438	$73
Country Financial	$465	$79
Auto-Owners Insurance Co	$497	$83
American Family	$524	$88
Western National	$741	$125
Travelers	$746	$126
State Farm	$951	$160
USAA	$1027	$173
Auto-Owners	$1059	$178
Farmers	$2308	$392
Allstate	$2449	$412
North Star Mutual	$4313	$733
AAA	$4319	$720

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 Red Lake Falls are offered by Westfield at $157. However, it can be as expensive as $2708 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Red Lake Falls after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$157	$26
Iowa Farm Bureau	$248	$42
West Bend Mutual	$248	$42
Auto-Owners Insurance Co	$259	$44
American Family	$276	$46
Farmers Union Insurance	$281	$48
State Farm	$594	$100
Western National	$741	$125
USAA	$784	$131
Auto-Owners	$865	$147
Travelers	$941	$157
North Star Mutual	$1508	$257
Farmers	$1940	$323
AAA	$2011	$342
Allstate	$2708	$451

Car Insurance Price Trends in Red Lake Falls, Minnesota

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

The average cost of full coverage in the Red Lake Falls rose by $196 in January compared to $161 of December. In other words, there has been an increase by $35 when you compare January and December.

The average cost of liability insurance in the Red Lake Falls rose to $46 in January, compared to $45 in December. This represents an increase of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Red Lake Falls?

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

What is the cheapest car insurance in Red Lake Falls?

The cheapest car insurance in Red Lake Falls is $80 per month for full coverage.

How much is car insurance in Red Lake Falls for teenagers?

Car insurance for teenagers costs $157 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 Red Lake Falls?

The average cost of car insurance is $944 for a six-month policy. It will cost around $145 per month to insure your car in Red Lake Falls.

Is car insurance expensive in Red Lake Falls?

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

Cheapest Car Insurance Quotes in Red Lake Falls

Why you can trust Way?

How Much Is Car Insurance in Red Lake Falls

Avg. Car Insurance in Red Lake Falls

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Red Lake Falls

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Red Lake Falls Car Insurance Rates by Company

Cheap Car Insurance Companies in Red Lake Falls, MN

Way's key takeaways about car insurance in Red Lake Falls

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Red Lake Falls

Cheapest Liability Coverage in Red Lake Falls, MN

Cheapest Full Coverage Car Insurance in Red Lake Falls

Cheapest Full Coverage Car Insurance Quotes in Red Lake Falls, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Red Lake Falls by Rating Factor

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

Car Insurance Premiums by Age in Red Lake Falls

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Red Lake Falls,MN

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

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 Red Lake Falls

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

Red Lake Falls Car Insurance Rates by Violation

Red Lake Falls auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Red Lake Falls after a DUI

Red Lake Falls car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Red Lake Falls after Speeding ticket

Car Insurance Price Trends in Red Lake Falls, Minnesota

Average Car Insurance Cost in Red Lake Falls by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Red Lake Falls, MN

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

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