Cheapest Car Insurance Quotes in Roseville

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Roseville Car Insurance

^$ 28

/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 Roseville

The car insurance rate in Roseville is $1086 for a six-month policy, which is $142 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $595, making it a popular choice for budget-conscious drivers. Rates in Roseville 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 Roseville

$1086

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Roseville

1st place: Iowa Farm Bureau

At $595 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 $601 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $601 for six months, making it the third cheapest auto insurance company in Roseville.

Roseville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Roseville, MN is Iowa Farm Bureau, offering policies at just $595 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $601.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1954 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Roseville drivers find the best deals.

Cheap Car Insurance Companies in Roseville, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$595	$101
Auto-Owners Insurance Co	$601	$100
Westfield	$601	$102
American Family	$628	$106
West Bend Mutual	$779	$131
Travelers	$834	$140
Nationwide	$922	$156
USAA	$964	$162
AAA	$997	$168
Auto-Owners	$1066	$179
West Bend	$1148	$195
State Farm	$1202	$202
Western National	$1550	$263
Allstate	$1626	$274
North Star Mutual	$1906	$324
Farmers	$1954	$325

Key Takeaways

Way's key takeaways about car insurance in Roseville

The auto insurance costs in Roseville fall around $595 for six months.
The cheapest auto insurance company in Roseville is Westfield.
Teen drivers pay the highest rate in Roseville at $1174 per month.

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Cheapest Minimum Liability Car Insurance in Roseville

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 Roseville are given below.

Westfield provides the cheapest minimum car insurance coverage in Roseville. Their Average 6 Month Premium is $164. Nationwide is the most expensive at $355 for the same period.

Cheapest Liability Coverage in Roseville, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$164	$28
West Bend Mutual	$232	$39
North Star Mutual Insurance	$253	$43
USAA	$274	$46
Auto-Owners Insurance Co	$286	$48
Iowa Farm Bureau	$286	$48
West Bend	$286	$48
Farmers Union Insurance	$293	$49
Auto-Owners	$300	$51
North Star Mutual	$300	$51
AAA	$335	$56
American Family	$335	$56
Travelers	$335	$56
State Farm	$362	$61
Western National	$383	$64
Allstate	$560	$94
Farmers	$792	$135
Nationwide	$355	$59

Cheapest Full Coverage Car Insurance in Roseville

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 Roseville is Iowa Farm Bureau at $101 per month and $595 for six months.

Cheapest Full Coverage Car Insurance Quotes in Roseville, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$595	$101
Auto-Owners Insurance Co	$601	$100
Westfield	$601	$102
American Family	$628	$106
West Bend Mutual	$779	$131
Travelers	$834	$140
Nationwide	$922	$156
USAA	$964	$162
AAA	$997	$168
Auto-Owners	$1066	$179
West Bend	$1148	$195
State Farm	$1202	$202
Western National	$1550	$263
Allstate	$1626	$274
North Star Mutual	$1906	$324
Farmers	$1954	$325

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Average Car Insurance in Roseville 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 Roseville, MN increasing?

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

Car Insurance Premiums by Age in Roseville

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	$752
30s	Farm Bureau Mutual	$537
40s	Farm Bureau Mutual	$531
50s	Farm Bureau Mutual	$447
60s	Farm Bureau Mutual	$458
70s	Farm Bureau Mutual	$537

Cheapest Car Insurance Rates for Teen Drivers in Roseville,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Roseville at $33 per month. At $7043 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$198	$33
North Star Mutual Insurance	$274	$46
Auto-Owners Insurance Co	$293	$49
Iowa Farm Bureau	$300	$51
Farmers Union Insurance	$314	$53
Umialik	$390	$64
American Family	$1066	$179
Travelers	$1196	$201
Auto-Owners	$1564	$263
USAA	$1598	$269
State Farm	$2384	$401
AAA	$2405	$405
Allstate	$3832	$645
North Star Mutual	$4017	$669
Western National	$4468	$760
Farmers	$7043	$1174

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 Roseville.

As young drivers face the highest rates in Roseville, Farm Bureau Mutual offers the cheapest auto insurance rates at $752 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 Roseville, West Bend Mutual is the cheapest car insurance provider. At $293 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 Roseville is State Farm, offering rates of around $7795 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$293	$49
Westfield	$362	$60
Farmers Union Insurance	$402	$69
Iowa Farm Bureau	$567	$94
American Family	$581	$99
USAA	$1899	$316
AAA	$2117	$357
Travelers	$2726	$454
North Star Mutual	$3156	$537
Auto-Owners	$3292	$549
Farmers	$3620	$615
Western National	$3785	$630
Allstate	$4536	$772
State Farm	$7795	$1300

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Car Insurance Rates with An Accident in Roseville

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

Cheapest Car Insurance Companies after an At-Fault Accident in Roseville

The cheapest car insurance companies after an at-fault accident in Roseville include Westfield and Umialik, offering $239 and $300, respectively. Nationwide is an expensive provider with an average six-month premium of $471.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$239	$40
Umialik	$300	$51
Iowa Farm Bureau	$369	$61
Auto-Owners Insurance Co	$390	$67
Farmers Union Insurance	$397	$66
West Bend Mutual	$402	$69
North Star Mutual Insurance	$465	$77
Encompass	$506	$86
American Family	$711	$120
Western National	$738	$124
Auto-Owners	$792	$133
State Farm	$820	$138
Travelers	$915	$154
USAA	$983	$166
AAA	$1557	$262
North Star Mutual	$1845	$311
Farmers	$2876	$480
Allstate	$2978	$501
Nationwide	$471	$78

Roseville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Roseville MN. For example, the car insurance in Roseville after a DUI increases to $1257 for a six month policy. While the rate increases by $259 for a six-month policy in the case of a speeding ticket.

Roseville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1175	$195
One Med/PIP claim	$1189	$202
Not-at-fault accident	$1209	$201
One comp claim	$1250	$213
Two Med/PIP claims	$1250	$208
Two comp claims	$1305	$222
Failure to wear a seat belt	$1339	$223
Failure to show documents	$1359	$231
Child safety restraint	$1380	$230
Driving without lights	$1380	$235
Driving with expired registration	$1408	$235
Cell phone violation	$1434	$244
Speeding 6 - 10 MPH over limit	$1434	$239
Texting while driving	$1434	$244
Following too closely	$1448	$241
Driving too slowly	$1455	$247
Failure to yield	$1455	$243
Illegal turn	$1455	$247
Speeding in school zone	$1455	$243
Wrong way/wrong lane	$1455	$247
Failure to stop at a red light	$1462	$244
Improper passing	$1462	$248
Speeding 11 - 15 MPH over limit	$1469	$245
Speeding 16 - 20 MPH over limit	$1482	$252
At-fault accident - less than $1000	$1517	$253
Passing school bus	$1517	$258
In 65 MPH zone	$1524	$254
Operating a vehicle without permission	$1531	$260
Speeding 21 - 25 MPH over limit	$1578	$263
At-fault accident - $1000-$2000	$1687	$286
Open container	$1694	$283
At-fault accident - greater than $2000	$1728	$294
Reckless driving	$2117	$353
Racing	$2186	$371
Driving with a suspended license	$2323	$388
Refusal to submit to a chemical test	$2349	$399
DUI	$2432	$405
Leaving scene of an accident/hit and run	$2521	$429

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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 Roseville 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 Roseville.

The cheapest car insurance premiums in Roseville are offered by Umialik at $300 for a six-month policy. However, it can be as expensive as $5458 with companies like AAA.

Roseville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$300	$51
West Bend Mutual	$314	$53
Farmers Union Insurance	$376	$62
Westfield	$423	$72
Iowa Farm Bureau	$553	$92
Country Financial	$588	$100
Auto-Owners Insurance Co	$628	$105
American Family	$662	$112
Western National	$936	$158
Travelers	$943	$159
State Farm	$1202	$202
USAA	$1298	$218
Auto-Owners	$1339	$225
Farmers	$2916	$496
Allstate	$3095	$521
North Star Mutual	$5451	$927
AAA	$5458	$910

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 Roseville are offered by Westfield at $198. However, it can be as expensive as $3422 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Roseville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$198	$33
Iowa Farm Bureau	$314	$53
West Bend Mutual	$314	$53
Auto-Owners Insurance Co	$328	$55
American Family	$348	$57
Farmers Union Insurance	$355	$61
State Farm	$751	$126
Western National	$936	$158
USAA	$990	$166
Auto-Owners	$1093	$186
Travelers	$1189	$198
North Star Mutual	$1906	$324
Farmers	$2452	$408
AAA	$2542	$432
Allstate	$3422	$570

Car Insurance Price Trends in Roseville, Minnesota

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

The average cost of full coverage in the Roseville rose by $247 in January compared to $204 of December. In other words, there has been an increase by $43 when you compare January and December.

The average cost of liability insurance in the Roseville rose to $59 in January, compared to $56 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Roseville?

The car insurance in Roseville is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Roseville?

The cheapest car insurance in Roseville is $101 per month for full coverage.

How much is car insurance in Roseville for teenagers?

Car insurance for teenagers costs $198 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 Roseville?

The average cost of car insurance is $944 for a six-month policy. It will cost around $183 per month to insure your car in Roseville.

Is car insurance expensive in Roseville?

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

Cheapest Car Insurance Quotes in Roseville

Why you can trust Way?

How Much Is Car Insurance in Roseville

Avg. Car Insurance in Roseville

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Roseville

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Roseville Car Insurance Rates by Company

Cheap Car Insurance Companies in Roseville, MN

Way's key takeaways about car insurance in Roseville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Roseville

Cheapest Liability Coverage in Roseville, MN

Cheapest Full Coverage Car Insurance in Roseville

Cheapest Full Coverage Car Insurance Quotes in Roseville, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Roseville by Rating Factor

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

Car Insurance Premiums by Age in Roseville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Roseville,MN

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

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 Roseville

Cheapest Car Insurance Companies after an At-Fault Accident in Roseville

Roseville Car Insurance Rates by Violation

Roseville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Roseville after a DUI

Roseville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Roseville after Speeding ticket

Car Insurance Price Trends in Roseville, Minnesota

Average Car Insurance Cost in Roseville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Roseville, MN

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

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