Cheapest Car Insurance Quotes in Rush City

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Rush City Car Insurance

^$ 26

/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 Rush City

The car insurance rate in Rush City is $867 for a six-month policy, which is $64 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $462, making it a popular choice for budget-conscious drivers. Rates in Rush City 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 Rush City

$867

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Rush City

1st place: AAA

At $462 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 $558 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 $565 for six months, making it the third cheapest auto insurance company in Rush City.

Rush City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rush City, MN is AAA, offering policies at just $462 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $558.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1674 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rush City drivers find the best deals.

Cheap Car Insurance Companies in Rush City, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$462	$79
Iowa Farm Bureau	$558	$93
Auto-Owners Insurance Co	$565	$96
Westfield	$565	$94
American Family	$687	$116
Travelers	$731	$123
West Bend Mutual	$731	$123
Nationwide	$866	$145
USAA	$879	$148
Auto-Owners	$949	$160
State Farm	$1071	$180
West Bend	$1078	$179
Allstate	$1328	$224
Farmers	$1674	$279

Key Takeaways

Way's key takeaways about car insurance in Rush City

The auto insurance costs in Rush City fall around $462 for six months.
The cheapest auto insurance company in Rush City is Westfield.
Teen drivers pay the highest rate in Rush City at $1011 per month.

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Cheapest Minimum Liability Car Insurance in Rush City

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 Rush City are given below.

Westfield provides the cheapest minimum car insurance coverage in Rush City. Their Average 6 Month Premium is $154. Nationwide is the most expensive at $334 for the same period.

Cheapest Liability Coverage in Rush City, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$154	$26
West Bend Mutual	$218	$37
AAA	$225	$38
North Star Mutual	$238	$40
North Star Mutual Insurance	$238	$40
USAA	$238	$40
Auto-Owners	$269	$45
Auto-Owners Insurance Co	$269	$45
Iowa Farm Bureau	$269	$45
West Bend	$269	$45
Farmers Union Insurance	$275	$46
Travelers	$295	$50
American Family	$308	$52
State Farm	$308	$52
Western National	$327	$56
Allstate	$532	$90
Farmers	$751	$127
Nationwide	$334	$55

Cheapest Full Coverage Car Insurance in Rush City

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 Rush City is AAA at $79 per month and $462 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rush City, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$462	$79
Iowa Farm Bureau	$558	$93
Auto-Owners Insurance Co	$565	$96
Westfield	$565	$94
American Family	$687	$116
Travelers	$731	$123
West Bend Mutual	$731	$123
Nationwide	$866	$145
USAA	$879	$148
Auto-Owners	$949	$160
State Farm	$1071	$180
West Bend	$1078	$179
Allstate	$1328	$224
Farmers	$1674	$279

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Average Car Insurance in Rush City 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 Rush City, MN increasing?

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

Car Insurance Premiums by Age in Rush City

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	$718
30s	Farm Bureau Mutual	$513
40s	Farm Bureau Mutual	$508
50s	Farm Bureau Mutual	$427
60s	Farm Bureau Mutual	$437
70s	Farm Bureau Mutual	$513

Cheapest Car Insurance Rates for Teen Drivers in Rush City,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Rush City at $31 per month. At $6062 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$186	$31
North Star Mutual Insurance	$257	$43
Auto-Owners Insurance Co	$275	$46
AAA	$282	$48
Iowa Farm Bureau	$282	$48
Farmers Union Insurance	$295	$50
Umialik	$366	$63
Travelers	$936	$158
Auto-Owners	$1347	$227
USAA	$1431	$241
American Family	$1732	$292
State Farm	$2079	$350
Allstate	$3483	$586
Farmers	$6062	$1011

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 Rush City.

As young drivers face the highest rates in Rush City, Farm Bureau Mutual offers the cheapest auto insurance rates at $718 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 Rush City, West Bend Mutual is the cheapest car insurance provider. At $275 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 Rush City is State Farm, offering rates of around $5556 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$275	$46
Westfield	$340	$56
Farmers Union Insurance	$378	$65
Iowa Farm Bureau	$532	$89
AAA	$603	$103
American Family	$1155	$194
USAA	$1604	$273
Travelers	$1918	$320
Auto-Owners	$2598	$442
Farmers	$3175	$529
Allstate	$3592	$611
State Farm	$5556	$926

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Save up to $971/yr on car insurance rates in Rush City.

Car Insurance Rates with An Accident in Rush City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Rush City

The cheapest car insurance companies after an at-fault accident in Rush City include Westfield and Umialik, offering $225 and $282, respectively. Nationwide is an expensive provider with an average six-month premium of $443.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$225	$38
Umialik	$282	$48
Western National	$308	$52
Iowa Farm Bureau	$347	$59
Auto-Owners Insurance Co	$366	$60
Farmers Union Insurance	$373	$64
AAA	$378	$63
West Bend Mutual	$378	$65
North Star Mutual	$397	$66
North Star Mutual Insurance	$436	$75
Encompass	$475	$79
Auto-Owners	$687	$116
State Farm	$725	$122
Travelers	$764	$129
USAA	$879	$148
American Family	$1065	$179
Allstate	$2322	$391
Farmers	$2496	$424
Nationwide	$443	$73

Rush City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rush City MN. For example, the car insurance in Rush City after a DUI increases to $1180 for a six month policy. While the rate increases by $243 for a six-month policy in the case of a speeding ticket.

Rush City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1104	$184
One Med/PIP claim	$1117	$190
Not-at-fault accident	$1135	$189
One comp claim	$1174	$200
Two Med/PIP claims	$1174	$195
Two comp claims	$1226	$208
Failure to wear a seat belt	$1257	$210
Failure to show documents	$1277	$217
Child safety restraint	$1296	$216
Driving without lights	$1296	$220
Driving with expired registration	$1322	$220
Cell phone violation	$1347	$229
Speeding 6 - 10 MPH over limit	$1347	$225
Texting while driving	$1347	$229
Following too closely	$1360	$227
Driving too slowly	$1366	$232
Failure to yield	$1366	$228
Illegal turn	$1366	$232
Speeding in school zone	$1366	$228
Wrong way/wrong lane	$1366	$232
Failure to stop at a red light	$1373	$229
Improper passing	$1373	$233
Speeding 11 - 15 MPH over limit	$1379	$230
Speeding 16 - 20 MPH over limit	$1392	$237
At-fault accident - less than $1000	$1425	$238
Passing school bus	$1425	$242
In 65 MPH zone	$1431	$239
Operating a vehicle without permission	$1437	$244
Speeding 21 - 25 MPH over limit	$1482	$247
At-fault accident - $1000-$2000	$1584	$269
Open container	$1591	$266
At-fault accident - greater than $2000	$1623	$276
Reckless driving	$1988	$332
Racing	$2053	$349
Driving with a suspended license	$2182	$364
Refusal to submit to a chemical test	$2206	$375
DUI	$2284	$380
Leaving scene of an accident/hit and run	$2367	$403

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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 Rush City 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 Rush City.

The cheapest car insurance premiums in Rush City are offered by Umialik at $282 for a six-month policy. However, it can be as expensive as $2527 with companies like Farmers.

Rush City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$282	$48
West Bend Mutual	$295	$50
Western National	$295	$50
Farmers Union Insurance	$353	$60
Westfield	$397	$66
Iowa Farm Bureau	$519	$89
Country Financial	$552	$92
Auto-Owners Insurance Co	$590	$100
Travelers	$802	$135
State Farm	$853	$144
American Family	$962	$162
Auto-Owners	$1142	$192
USAA	$1161	$195
Allstate	$2393	$403
Farmers	$2527	$421

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 Rush City are offered by Westfield at $186. However, it can be as expensive as $2412 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Rush City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$186	$31
Iowa Farm Bureau	$295	$50
West Bend Mutual	$295	$50
Western National	$295	$50
Auto-Owners Insurance Co	$308	$52
Farmers Union Insurance	$334	$57
State Farm	$603	$102
American Family	$693	$117
USAA	$821	$137
Auto-Owners	$834	$141
Travelers	$860	$144
Farmers	$2097	$356
Allstate	$2412	$402

Car Insurance Price Trends in Rush City, Minnesota

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

The average cost of full coverage in the Rush City rose by $191 in December compared to $190 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 Rush City remained steady at $53 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 Rush City?

The car insurance in Rush City is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Rush City?

The cheapest car insurance in Rush City is $79 per month for full coverage.

How much is car insurance in Rush City for teenagers?

Car insurance for teenagers costs $186 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 Rush City?

The average cost of car insurance is $803 for a six-month policy. It will cost around $145 per month to insure your car in Rush City.

Is car insurance expensive in Rush City?

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

Cheapest Car Insurance Quotes in Rush City

Why you can trust Way?

How Much Is Car Insurance in Rush City

Avg. Car Insurance in Rush City

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Rush City

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

Rush City Car Insurance Rates by Company

Cheap Car Insurance Companies in Rush City, MN

Way's key takeaways about car insurance in Rush City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rush City

Cheapest Liability Coverage in Rush City, MN

Cheapest Full Coverage Car Insurance in Rush City

Cheapest Full Coverage Car Insurance Quotes in Rush City, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rush City by Rating Factor

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

Car Insurance Premiums by Age in Rush City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rush City,MN

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

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 Rush City

Cheapest Car Insurance Companies after an At-Fault Accident in Rush City

Rush City Car Insurance Rates by Violation

Rush City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rush City after a DUI

Rush City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rush City after Speeding ticket

Car Insurance Price Trends in Rush City, Minnesota

Average Car Insurance Cost in Rush City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rush City, MN

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

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