Cheapest Car Insurance Quotes in Shorewood

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Shorewood Car Insurance

^$ 23

/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 Shorewood

The car insurance rate in Shorewood is $897 for a six-month policy, which is $47 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $491, making it a popular choice for budget-conscious drivers. Rates in Shorewood 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 Shorewood

$897

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Shorewood

1st place: Iowa Farm Bureau

At $491 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 $497 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $497 for six months, making it the third cheapest auto insurance company in Shorewood.

Shorewood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Shorewood, MN is Iowa Farm Bureau, offering policies at just $491 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $497.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1614 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Shorewood drivers find the best deals.

Cheap Car Insurance Companies in Shorewood, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$491	$84
Auto-Owners Insurance Co	$497	$83
Westfield	$497	$85
American Family	$519	$87
West Bend Mutual	$643	$108
Travelers	$689	$116
Nationwide	$762	$129
USAA	$796	$134
AAA	$824	$139
Auto-Owners	$881	$148
West Bend	$948	$162
State Farm	$993	$167
Western National	$1281	$218
Allstate	$1343	$226
North Star Mutual	$1574	$268
Farmers	$1614	$269

Key Takeaways

Way's key takeaways about car insurance in Shorewood

The auto insurance costs in Shorewood fall around $491 for six months.
The cheapest auto insurance company in Shorewood is Westfield.
Teen drivers pay the highest rate in Shorewood at $970 per month.

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

Cheapest Minimum Liability Car Insurance in Shorewood

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 Shorewood are given below.

Westfield provides the cheapest minimum car insurance coverage in Shorewood. Their Average 6 Month Premium is $136. Nationwide is the most expensive at $294 for the same period.

Cheapest Liability Coverage in Shorewood, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$136	$23
West Bend Mutual	$192	$32
North Star Mutual Insurance	$209	$35
USAA	$226	$38
Auto-Owners Insurance Co	$237	$40
Iowa Farm Bureau	$237	$40
West Bend	$237	$40
Farmers Union Insurance	$242	$41
Auto-Owners	$248	$42
North Star Mutual	$248	$42
AAA	$276	$47
American Family	$276	$47
Travelers	$276	$47
State Farm	$299	$50
Western National	$316	$53
Allstate	$463	$78
Farmers	$655	$111
Nationwide	$294	$48

Cheapest Full Coverage Car Insurance in Shorewood

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 Shorewood is Iowa Farm Bureau at $84 per month and $491 for six months.

Cheapest Full Coverage Car Insurance Quotes in Shorewood, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$491	$84
Auto-Owners Insurance Co	$497	$83
Westfield	$497	$85
American Family	$519	$87
West Bend Mutual	$643	$108
Travelers	$689	$116
Nationwide	$762	$129
USAA	$796	$134
AAA	$824	$139
Auto-Owners	$881	$148
West Bend	$948	$162
State Farm	$993	$167
Western National	$1281	$218
Allstate	$1343	$226
North Star Mutual	$1574	$268
Farmers	$1614	$269

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Average Car Insurance in Shorewood 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 Shorewood, MN increasing?

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

Car Insurance Premiums by Age in Shorewood

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	$621
30s	Farm Bureau Mutual	$444
40s	Farm Bureau Mutual	$439
50s	Farm Bureau Mutual	$370
60s	Farm Bureau Mutual	$378
70s	Farm Bureau Mutual	$444

Cheapest Car Insurance Rates for Teen Drivers in Shorewood,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Shorewood at $28 per month. At $5818 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$163	$28
North Star Mutual Insurance	$226	$38
Auto-Owners Insurance Co	$242	$41
Iowa Farm Bureau	$248	$42
Farmers Union Insurance	$259	$44
Umialik	$322	$53
American Family	$881	$148
Travelers	$988	$166
Auto-Owners	$1292	$218
USAA	$1321	$222
State Farm	$1969	$332
AAA	$1986	$334
Allstate	$3165	$533
North Star Mutual	$3318	$553
Western National	$3691	$628
Farmers	$5818	$970

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 Shorewood.

As young drivers face the highest rates in Shorewood, Farm Bureau Mutual offers the cheapest auto insurance rates at $621 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 Shorewood, West Bend Mutual is the cheapest car insurance provider. At $242 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 Shorewood is State Farm, offering rates of around $6439 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$242	$41
Westfield	$299	$49
Farmers Union Insurance	$333	$57
Iowa Farm Bureau	$468	$78
American Family	$480	$82
USAA	$1568	$261
AAA	$1749	$295
Travelers	$2252	$375
North Star Mutual	$2607	$444
Auto-Owners	$2720	$453
Farmers	$2991	$508
Western National	$3126	$521
Allstate	$3747	$637
State Farm	$6439	$1074

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Shorewood

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

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

The cheapest car insurance companies after an at-fault accident in Shorewood include Westfield and Umialik, offering $198 and $248, respectively. Nationwide is an expensive provider with an average six-month premium of $390.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$198	$33
Umialik	$248	$42
Iowa Farm Bureau	$305	$50
Auto-Owners Insurance Co	$322	$55
Farmers Union Insurance	$328	$54
West Bend Mutual	$333	$57
North Star Mutual Insurance	$384	$64
Encompass	$418	$71
American Family	$587	$99
Western National	$610	$103
Auto-Owners	$655	$110
State Farm	$677	$114
Travelers	$756	$127
USAA	$812	$137
AAA	$1286	$217
North Star Mutual	$1524	$257
Farmers	$2376	$396
Allstate	$2461	$414
Nationwide	$390	$65

Shorewood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Shorewood MN. For example, the car insurance in Shorewood after a DUI increases to $1038 for a six month policy. While the rate increases by $214 for a six-month policy in the case of a speeding ticket.

Shorewood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$971	$162
One Med/PIP claim	$982	$167
Not-at-fault accident	$998	$166
One comp claim	$1033	$176
Two Med/PIP claims	$1033	$172
Two comp claims	$1078	$183
Failure to wear a seat belt	$1106	$184
Failure to show documents	$1123	$191
Child safety restraint	$1140	$190
Driving without lights	$1140	$194
Driving with expired registration	$1163	$194
Cell phone violation	$1185	$201
Speeding 6 - 10 MPH over limit	$1185	$198
Texting while driving	$1185	$201
Following too closely	$1196	$200
Driving too slowly	$1202	$204
Failure to yield	$1202	$200
Illegal turn	$1202	$204
Speeding in school zone	$1202	$200
Wrong way/wrong lane	$1202	$204
Failure to stop at a red light	$1207	$201
Improper passing	$1207	$205
Speeding 11 - 15 MPH over limit	$1213	$202
Speeding 16 - 20 MPH over limit	$1225	$208
At-fault accident - less than $1000	$1253	$209
Passing school bus	$1253	$213
In 65 MPH zone	$1259	$210
Operating a vehicle without permission	$1264	$215
Speeding 21 - 25 MPH over limit	$1303	$218
At-fault accident - $1000-$2000	$1394	$237
Open container	$1399	$234
At-fault accident - greater than $2000	$1428	$243
Reckless driving	$1749	$292
Racing	$1806	$307
Driving with a suspended license	$1919	$320
Refusal to submit to a chemical test	$1941	$330
DUI	$2009	$334
Leaving scene of an accident/hit and run	$2082	$354

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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 Shorewood 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 Shorewood.

The cheapest car insurance premiums in Shorewood are offered by Umialik at $248 for a six-month policy. However, it can be as expensive as $4509 with companies like AAA.

Shorewood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$248	$42
West Bend Mutual	$259	$44
Farmers Union Insurance	$311	$51
Westfield	$350	$60
Iowa Farm Bureau	$457	$76
Country Financial	$485	$83
Auto-Owners Insurance Co	$519	$86
American Family	$547	$92
Western National	$773	$130
Travelers	$779	$131
State Farm	$993	$167
USAA	$1073	$181
Auto-Owners	$1106	$186
Farmers	$2409	$409
Allstate	$2556	$430
North Star Mutual	$4503	$766
AAA	$4509	$751

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 Shorewood are offered by Westfield at $163. However, it can be as expensive as $2827 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Shorewood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$163	$28
Iowa Farm Bureau	$259	$44
West Bend Mutual	$259	$44
Auto-Owners Insurance Co	$271	$46
American Family	$288	$48
Farmers Union Insurance	$294	$50
State Farm	$620	$105
Western National	$773	$130
USAA	$818	$137
Auto-Owners	$903	$154
Travelers	$982	$163
North Star Mutual	$1574	$268
Farmers	$2025	$337
AAA	$2100	$357
Allstate	$2827	$471

Car Insurance Price Trends in Shorewood, Minnesota

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

The average cost of full coverage in the Shorewood rose by $204 in January compared to $168 of December. In other words, there has been an increase by $36 when you compare January and December.

The average cost of liability insurance in the Shorewood rose to $48 in January, compared to $47 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 Shorewood?

The car insurance in Shorewood is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Shorewood?

The cheapest car insurance in Shorewood is $84 per month for full coverage.

How much is car insurance in Shorewood for teenagers?

Car insurance for teenagers costs $163 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 Shorewood?

The average cost of car insurance is $944 for a six-month policy. It will cost around $151 per month to insure your car in Shorewood.

Is car insurance expensive in Shorewood?

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

Cheapest Car Insurance Quotes in Shorewood

Why you can trust Way?

How Much Is Car Insurance in Shorewood

Avg. Car Insurance in Shorewood

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Shorewood

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Shorewood Car Insurance Rates by Company

Cheap Car Insurance Companies in Shorewood, MN

Way's key takeaways about car insurance in Shorewood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Shorewood

Cheapest Liability Coverage in Shorewood, MN

Cheapest Full Coverage Car Insurance in Shorewood

Cheapest Full Coverage Car Insurance Quotes in Shorewood, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Shorewood by Rating Factor

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

Car Insurance Premiums by Age in Shorewood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Shorewood,MN

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

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 Shorewood

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

Shorewood Car Insurance Rates by Violation

Shorewood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Shorewood after a DUI

Shorewood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Shorewood after Speeding ticket

Car Insurance Price Trends in Shorewood, Minnesota

Average Car Insurance Cost in Shorewood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Shorewood, MN

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

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