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Finding the cheapest car insurance quotes in Side Lake shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Side Lake
The car insurance rate in Side Lake is $944 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $517, making it a popular choice for budget-conscious drivers. Rates in Side Lake 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.
At $517 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 $523 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $523
for six months, making it
the third cheapest auto insurance company in Side Lake.
Side Lake Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Side Lake, MN is Iowa Farm Bureau, offering policies at just $517 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $523.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1699 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Side Lake drivers find the best deals.
Way's key takeaways about car insurance in Side Lake
The auto insurance costs in Side Lake fall around $517 for six
months.
The cheapest auto insurance company in Side Lake is Westfield.
Teen drivers pay the highest rate in Side Lake at $1021 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 Side Lake
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 Side Lake are given below.
Westfield provides
the cheapest minimum car insurance
coverage in Side Lake. Their Average 6 Month Premium is $143.
Nationwide is the most
expensive at $309 for the same
period.
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 Side Lake is Iowa Farm Bureau
at $88 per month and $517
for six months.
Cheapest Full Coverage Car Insurance Quotes in Side Lake,
MN
Get Your Car Insurance Quote in Side Lake
Instantly!
Average Car Insurance in Side Lake 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 Side Lake, MN increasing?
Despite maintaining a clean driving record, your car insurance rates
in Side Lake, 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, Side Lake's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Side Lake
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
$654
30s
Farm Bureau Mutual
$467
40s
Farm Bureau Mutual
$462
50s
Farm Bureau Mutual
$389
60s
Farm Bureau Mutual
$398
70s
Farm Bureau Mutual
$467
Cheapest Car Insurance Rates for Teen Drivers in
Side Lake,MN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Side Lake at $29
per
month. At $6124 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties Farm Bureau Mutual is
the best choice for car
insurance in Side Lake.
As young drivers face the highest rates in Side Lake, Farm Bureau Mutual
offers the cheapest auto insurance rates at $654 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 Side Lake,
West Bend Mutual is
the cheapest car insurance provider. At $255 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
Side Lake is State Farm, offering
rates of around $6778 for six
months.
Save up to $971/yr on car insurance rates in Side Lake.
Car Insurance Rates with An Accident in Side Lake
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 Side Lake, MN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Side Lake
The cheapest car insurance companies after an at-fault accident in
Side Lake include Westfield
and Umialik, offering $208
and $261,
respectively. Nationwide is an expensive provider
with an average six-month premium of
$410.
Here is a list of driving violations that can increase your car
insurance rates in Side Lake MN. For example, the car
insurance in Side Lake
after a DUI increases to $1093 for a six
month policy. While the rate increases by $225 for a six-month policy in the case of
a speeding ticket.
Side Lake auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1022
$170
One Med/PIP claim
$1034
$176
Not-at-fault accident
$1051
$175
One comp claim
$1087
$185
Two Med/PIP claims
$1087
$181
Two comp claims
$1135
$193
Failure to wear a seat belt
$1164
$194
Failure to show documents
$1182
$201
Child safety restraint
$1200
$200
Driving without lights
$1200
$204
Driving with expired registration
$1224
$204
Cell phone violation
$1247
$212
Speeding 6 - 10 MPH over limit
$1247
$208
Texting while driving
$1247
$212
Following too closely
$1259
$210
Driving too slowly
$1265
$215
Failure to yield
$1265
$211
Illegal turn
$1265
$215
Speeding in school zone
$1265
$211
Wrong way/wrong lane
$1265
$215
Failure to stop at a red light
$1271
$212
Improper passing
$1271
$216
Speeding 11 - 15 MPH over limit
$1277
$213
Speeding 16 - 20 MPH over limit
$1289
$219
At-fault accident - less than $1000
$1319
$220
Passing school bus
$1319
$224
In 65 MPH zone
$1325
$221
Operating a vehicle without permission
$1331
$226
Speeding 21 - 25 MPH over limit
$1372
$229
At-fault accident - $1000-$2000
$1467
$249
Open container
$1473
$246
At-fault accident - greater than $2000
$1503
$256
Reckless driving
$1841
$307
Racing
$1901
$323
Driving with a suspended license
$2020
$337
Refusal to submit to a chemical test
$2043
$347
DUI
$2115
$352
Leaving scene of an accident/hit and run
$2192
$373
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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 Side Lake 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 Side Lake.
The cheapest car insurance premiums in
Side Lake are
offered by Umialik at $261 for a six-month policy.
However, it can be as
expensive as $4746 with companies
like AAA.
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 Side Lake are offered by Westfield
at $172. However,
it can be as expensive as $2976
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Side Lake after Speeding ticket
Car Insurance Price Trends in Side Lake,
Minnesota
Car insurance rates in Side Lake have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Side Lake rose by
$215 in January
compared to $177 of December. In other words, there has been an increase by $38 when you
compare January and December.
The average cost of liability insurance in the Side Lake rose to $51 in January,
compared to $49 in December.
This represents an increase of $2
when comparing January and December.
Average Car Insurance Cost in Side Lake by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Side Lake. At $1888 for a
six-month policy, insuring
your car at 55781 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Side Lake?
The car insurance in Side Lake is $24 per month, which is lower than the national average.
What is the cheapest car insurance in Side Lake?
The cheapest car insurance in Side Lake
is $88 per month
for full coverage.
How much is car insurance in Side Lake for teenagers?
Car insurance for teenagers costs $172 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
Side Lake?
The average cost of car insurance is $944 for a six-month
policy. It will cost around $159 per month to insure your
car in Side Lake.
Is car insurance expensive in Side Lake?
Car insurance can be expensive in Side Lake if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Side Lake can be
affordable.
What is the best car insurance in Side Lake,
MN?
The best car insurance company in Side Lake
MN is
Iowa Farm Bureau, offering $517 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Side Lake, MN
Car Insurance Rates by State in the USA (2025 Update)
Side Lake Car Insurance
