Cheapest Car Insurance Quotes in Red Wing

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Red Wing Car Insurance

^$ 24

/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 Wing

The car insurance rate in Red Wing is $819 for a six-month policy, which is $16 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $437, making it a popular choice for budget-conscious drivers. Rates in Red Wing 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 Wing

$819

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Red Wing

1st place: AAA

At $437 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 $527 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 $533 for six months, making it the third cheapest auto insurance company in Red Wing.

Red Wing Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Red Wing, MN is AAA, offering policies at just $437 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $527.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1581 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Red Wing drivers find the best deals.

Cheap Car Insurance Companies in Red Wing, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$437	$74
Iowa Farm Bureau	$527	$88
Auto-Owners Insurance Co	$533	$91
Westfield	$533	$89
American Family	$649	$109
Travelers	$691	$116
West Bend Mutual	$691	$116
Nationwide	$818	$137
USAA	$830	$140
Auto-Owners	$897	$151
State Farm	$1012	$170
West Bend	$1018	$169
Allstate	$1255	$211
Farmers	$1581	$263

Key Takeaways

Way's key takeaways about car insurance in Red Wing

The auto insurance costs in Red Wing fall around $437 for six months.
The cheapest auto insurance company in Red Wing is Westfield.
Teen drivers pay the highest rate in Red Wing at $955 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 Red Wing

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 Wing are given below.

Westfield provides the cheapest minimum car insurance coverage in Red Wing. Their Average 6 Month Premium is $146. Nationwide is the most expensive at $315 for the same period.

Cheapest Liability Coverage in Red Wing, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$146	$24
West Bend Mutual	$206	$35
AAA	$212	$36
North Star Mutual	$224	$38
North Star Mutual Insurance	$224	$38
USAA	$224	$38
Auto-Owners	$254	$43
Auto-Owners Insurance Co	$254	$43
Iowa Farm Bureau	$254	$43
West Bend	$254	$43
Farmers Union Insurance	$260	$44
Travelers	$278	$47
American Family	$291	$49
State Farm	$291	$49
Western National	$309	$53
Allstate	$503	$85
Farmers	$709	$120
Nationwide	$315	$52

Cheapest Full Coverage Car Insurance in Red Wing

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 Wing is AAA at $74 per month and $437 for six months.

Cheapest Full Coverage Car Insurance Quotes in Red Wing, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$437	$74
Iowa Farm Bureau	$527	$88
Auto-Owners Insurance Co	$533	$91
Westfield	$533	$89
American Family	$649	$109
Travelers	$691	$116
West Bend Mutual	$691	$116
Nationwide	$818	$137
USAA	$830	$140
Auto-Owners	$897	$151
State Farm	$1012	$170
West Bend	$1018	$169
Allstate	$1255	$211
Farmers	$1581	$263

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Average Car Insurance in Red Wing 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 Wing, MN increasing?

Despite maintaining a clean driving record, your car insurance rates in Red Wing, 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 Wing'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 Wing

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	$678
30s	Farm Bureau Mutual	$485
40s	Farm Bureau Mutual	$479
50s	Farm Bureau Mutual	$403
60s	Farm Bureau Mutual	$413
70s	Farm Bureau Mutual	$485

Cheapest Car Insurance Rates for Teen Drivers in Red Wing,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Red Wing at $30 per month. At $5725 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$175	$30
North Star Mutual Insurance	$243	$41
Auto-Owners Insurance Co	$260	$44
AAA	$266	$45
Iowa Farm Bureau	$266	$45
Farmers Union Insurance	$278	$47
Umialik	$346	$59
Travelers	$884	$149
Auto-Owners	$1272	$214
USAA	$1352	$227
American Family	$1636	$275
State Farm	$1964	$330
Allstate	$3290	$554
Farmers	$5725	$955

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 Wing.

As young drivers face the highest rates in Red Wing, Farm Bureau Mutual offers the cheapest auto insurance rates at $678 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 Wing, West Bend Mutual is the cheapest car insurance provider. At $260 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 Wing is State Farm, offering rates of around $5247 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$260	$44
Westfield	$321	$53
Farmers Union Insurance	$357	$61
Iowa Farm Bureau	$503	$84
AAA	$569	$97
American Family	$1090	$184
USAA	$1515	$258
Travelers	$1812	$302
Auto-Owners	$2454	$417
Farmers	$2999	$500
Allstate	$3393	$577
State Farm	$5247	$874

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

Car Insurance Rates with An Accident in Red Wing

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

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

The cheapest car insurance companies after an at-fault accident in Red Wing include Westfield and Umialik, offering $212 and $266, respectively. Nationwide is an expensive provider with an average six-month premium of $418.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$212	$36
Umialik	$266	$45
Western National	$291	$49
Iowa Farm Bureau	$327	$56
Auto-Owners Insurance Co	$346	$57
Farmers Union Insurance	$352	$60
AAA	$357	$59
West Bend Mutual	$357	$61
North Star Mutual	$375	$62
North Star Mutual Insurance	$412	$70
Encompass	$449	$74
Auto-Owners	$649	$109
State Farm	$684	$115
Travelers	$721	$121
USAA	$830	$140
American Family	$1006	$169
Allstate	$2193	$369
Farmers	$2357	$401
Nationwide	$418	$69

Red Wing Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Red Wing MN. For example, the car insurance in Red Wing after a DUI increases to $1115 for a six month policy. While the rate increases by $230 for a six-month policy in the case of a speeding ticket.

Red Wing auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1042	$173
One Med/PIP claim	$1055	$180
Not-at-fault accident	$1072	$179
One comp claim	$1109	$189
Two Med/PIP claims	$1109	$185
Two comp claims	$1158	$197
Failure to wear a seat belt	$1187	$198
Failure to show documents	$1206	$205
Child safety restraint	$1224	$204
Driving without lights	$1224	$208
Driving with expired registration	$1248	$208
Cell phone violation	$1272	$216
Speeding 6 - 10 MPH over limit	$1272	$212
Texting while driving	$1272	$216
Following too closely	$1284	$214
Driving too slowly	$1290	$219
Failure to yield	$1290	$215
Illegal turn	$1290	$219
Speeding in school zone	$1290	$215
Wrong way/wrong lane	$1290	$219
Failure to stop at a red light	$1296	$216
Improper passing	$1296	$220
Speeding 11 - 15 MPH over limit	$1303	$217
Speeding 16 - 20 MPH over limit	$1315	$223
At-fault accident - less than $1000	$1345	$224
Passing school bus	$1345	$228
In 65 MPH zone	$1352	$225
Operating a vehicle without permission	$1358	$231
Speeding 21 - 25 MPH over limit	$1399	$234
At-fault accident - $1000-$2000	$1496	$254
Open container	$1502	$251
At-fault accident - greater than $2000	$1533	$261
Reckless driving	$1878	$313
Racing	$1939	$329
Driving with a suspended license	$2060	$344
Refusal to submit to a chemical test	$2084	$354
DUI	$2157	$359
Leaving scene of an accident/hit and run	$2236	$380

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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 Wing 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 Wing.

The cheapest car insurance premiums in Red Wing are offered by Umialik at $266 for a six-month policy. However, it can be as expensive as $2387 with companies like Farmers.

Red Wing car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$266	$45
West Bend Mutual	$278	$47
Western National	$278	$47
Farmers Union Insurance	$334	$57
Westfield	$375	$62
Iowa Farm Bureau	$491	$84
Country Financial	$521	$87
Auto-Owners Insurance Co	$557	$95
Travelers	$758	$128
State Farm	$806	$136
American Family	$909	$153
Auto-Owners	$1078	$182
USAA	$1097	$185
Allstate	$2260	$380
Farmers	$2387	$398

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 Wing are offered by Westfield at $175. However, it can be as expensive as $2278 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Red Wing after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$175	$30
Iowa Farm Bureau	$278	$47
West Bend Mutual	$278	$47
Western National	$278	$47
Auto-Owners Insurance Co	$291	$49
Farmers Union Insurance	$315	$54
State Farm	$569	$96
American Family	$655	$110
USAA	$775	$130
Auto-Owners	$787	$134
Travelers	$812	$136
Farmers	$1981	$337
Allstate	$2278	$379

Car Insurance Price Trends in Red Wing, Minnesota

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

The average cost of full coverage in the Red Wing rose by $181 in December compared to $180 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 Red Wing remained steady at $50 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 Red Wing?

The car insurance in Red Wing is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Red Wing?

The cheapest car insurance in Red Wing is $74 per month for full coverage.

How much is car insurance in Red Wing for teenagers?

Car insurance for teenagers costs $175 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 Wing?

The average cost of car insurance is $803 for a six-month policy. It will cost around $137 per month to insure your car in Red Wing.

Is car insurance expensive in Red Wing?

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

Cheapest Car Insurance Quotes in Red Wing

Why you can trust Way?

How Much Is Car Insurance in Red Wing

Avg. Car Insurance in Red Wing

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Red Wing

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

Red Wing Car Insurance Rates by Company

Cheap Car Insurance Companies in Red Wing, MN

Way's key takeaways about car insurance in Red Wing

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Red Wing

Cheapest Liability Coverage in Red Wing, MN

Cheapest Full Coverage Car Insurance in Red Wing

Cheapest Full Coverage Car Insurance Quotes in Red Wing, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Red Wing by Rating Factor

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

Car Insurance Premiums by Age in Red Wing

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Red Wing,MN

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

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 Wing

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

Red Wing Car Insurance Rates by Violation

Red Wing auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Red Wing after a DUI

Red Wing car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Red Wing after Speeding ticket

Car Insurance Price Trends in Red Wing, Minnesota

Average Car Insurance Cost in Red Wing by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Red Wing, MN

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

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