Cheapest Car Insurance Quotes in Sleepy Eye

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Sleepy Eye Car Insurance

^$ 20

/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 Sleepy Eye

The car insurance rate in Sleepy Eye is $793 for a six-month policy, which is $151 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $434, making it a popular choice for budget-conscious drivers. Rates in Sleepy Eye 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 Sleepy Eye

$793

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Sleepy Eye

1st place: Iowa Farm Bureau

At $434 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 $439 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $439 for six months, making it the third cheapest auto insurance company in Sleepy Eye.

Sleepy Eye Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sleepy Eye, MN is Iowa Farm Bureau, offering policies at just $434 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $439.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1427 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sleepy Eye drivers find the best deals.

Cheap Car Insurance Companies in Sleepy Eye, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$434	$74
Auto-Owners Insurance Co	$439	$73
Westfield	$439	$75
American Family	$459	$77
West Bend Mutual	$569	$96
Travelers	$609	$102
Nationwide	$674	$114
USAA	$704	$118
AAA	$728	$123
Auto-Owners	$779	$131
West Bend	$838	$143
State Farm	$878	$148
Western National	$1132	$192
Allstate	$1188	$200
North Star Mutual	$1392	$237
Farmers	$1427	$238

Key Takeaways

Way's key takeaways about car insurance in Sleepy Eye

The auto insurance costs in Sleepy Eye fall around $434 for six months.
The cheapest auto insurance company in Sleepy Eye is Westfield.
Teen drivers pay the highest rate in Sleepy Eye at $858 per month.

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

Cheapest Minimum Liability Car Insurance in Sleepy Eye

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 Sleepy Eye are given below.

Westfield provides the cheapest minimum car insurance coverage in Sleepy Eye. Their Average 6 Month Premium is $120. Nationwide is the most expensive at $260 for the same period.

Cheapest Liability Coverage in Sleepy Eye, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$120	$20
West Bend Mutual	$170	$29
North Star Mutual Insurance	$185	$31
USAA	$200	$34
Auto-Owners Insurance Co	$209	$35
Iowa Farm Bureau	$209	$35
West Bend	$209	$35
Farmers Union Insurance	$214	$36
Auto-Owners	$219	$37
North Star Mutual	$219	$37
AAA	$244	$41
American Family	$244	$41
Travelers	$244	$41
State Farm	$265	$45
Western National	$280	$47
Allstate	$409	$69
Farmers	$579	$98
Nationwide	$260	$43

Cheapest Full Coverage Car Insurance in Sleepy Eye

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 Sleepy Eye is Iowa Farm Bureau at $74 per month and $434 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sleepy Eye, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$434	$74
Auto-Owners Insurance Co	$439	$73
Westfield	$439	$75
American Family	$459	$77
West Bend Mutual	$569	$96
Travelers	$609	$102
Nationwide	$674	$114
USAA	$704	$118
AAA	$728	$123
Auto-Owners	$779	$131
West Bend	$838	$143
State Farm	$878	$148
Western National	$1132	$192
Allstate	$1188	$200
North Star Mutual	$1392	$237
Farmers	$1427	$238

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Average Car Insurance in Sleepy Eye 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 Sleepy Eye, MN increasing?

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

Car Insurance Premiums by Age in Sleepy Eye

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	$549
30s	Farm Bureau Mutual	$392
40s	Farm Bureau Mutual	$388
50s	Farm Bureau Mutual	$327
60s	Farm Bureau Mutual	$334
70s	Farm Bureau Mutual	$392

Cheapest Car Insurance Rates for Teen Drivers in Sleepy Eye,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Sleepy Eye at $24 per month. At $5144 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$144	$24
North Star Mutual Insurance	$200	$34
Auto-Owners Insurance Co	$214	$36
Iowa Farm Bureau	$219	$37
Farmers Union Insurance	$229	$39
Umialik	$285	$47
American Family	$779	$131
Travelers	$874	$147
Auto-Owners	$1142	$192
USAA	$1168	$197
State Farm	$1741	$293
AAA	$1756	$296
Allstate	$2799	$471
North Star Mutual	$2934	$489
Western National	$3263	$555
Farmers	$5144	$858

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 Sleepy Eye.

As young drivers face the highest rates in Sleepy Eye, Farm Bureau Mutual offers the cheapest auto insurance rates at $549 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 Sleepy Eye, West Bend Mutual is the cheapest car insurance provider. At $214 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 Sleepy Eye is State Farm, offering rates of around $5694 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$214	$36
Westfield	$265	$44
Farmers Union Insurance	$294	$50
Iowa Farm Bureau	$414	$69
American Family	$424	$72
USAA	$1387	$231
AAA	$1546	$260
Travelers	$1991	$332
North Star Mutual	$2305	$392
Auto-Owners	$2405	$401
Farmers	$2644	$449
Western National	$2764	$460
Allstate	$3313	$564
State Farm	$5694	$949

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

Car Insurance Rates with An Accident in Sleepy Eye

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

Cheapest Car Insurance Companies after an At-Fault Accident in Sleepy Eye

The cheapest car insurance companies after an at-fault accident in Sleepy Eye include Westfield and Umialik, offering $175 and $219, respectively. Nationwide is an expensive provider with an average six-month premium of $344.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$175	$29
Umialik	$219	$37
Iowa Farm Bureau	$270	$45
Auto-Owners Insurance Co	$285	$49
Farmers Union Insurance	$290	$48
West Bend Mutual	$294	$50
North Star Mutual Insurance	$339	$56
Encompass	$370	$63
American Family	$519	$87
Western National	$539	$91
Auto-Owners	$579	$97
State Farm	$599	$101
Travelers	$669	$113
USAA	$718	$121
AAA	$1137	$192
North Star Mutual	$1347	$227
Farmers	$2101	$350
Allstate	$2176	$366
Nationwide	$344	$57

Sleepy Eye Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sleepy Eye MN. For example, the car insurance in Sleepy Eye after a DUI increases to $919 for a six month policy. While the rate increases by $189 for a six-month policy in the case of a speeding ticket.

Sleepy Eye auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$858	$143
One Med/PIP claim	$869	$148
Not-at-fault accident	$883	$147
One comp claim	$913	$155
Two Med/PIP claims	$913	$152
Two comp claims	$953	$162
Failure to wear a seat belt	$978	$163
Failure to show documents	$993	$169
Child safety restraint	$1008	$168
Driving without lights	$1008	$171
Driving with expired registration	$1028	$171
Cell phone violation	$1047	$178
Speeding 6 - 10 MPH over limit	$1047	$175
Texting while driving	$1047	$178
Following too closely	$1058	$176
Driving too slowly	$1063	$181
Failure to yield	$1063	$177
Illegal turn	$1063	$181
Speeding in school zone	$1063	$177
Wrong way/wrong lane	$1063	$181
Failure to stop at a red light	$1068	$178
Improper passing	$1068	$181
Speeding 11 - 15 MPH over limit	$1073	$179
Speeding 16 - 20 MPH over limit	$1083	$184
At-fault accident - less than $1000	$1108	$185
Passing school bus	$1108	$188
In 65 MPH zone	$1113	$186
Operating a vehicle without permission	$1118	$190
Speeding 21 - 25 MPH over limit	$1152	$192
At-fault accident - $1000-$2000	$1232	$209
Open container	$1237	$207
At-fault accident - greater than $2000	$1263	$215
Reckless driving	$1546	$258
Racing	$1597	$271
Driving with a suspended license	$1697	$283
Refusal to submit to a chemical test	$1716	$291
DUI	$1777	$296
Leaving scene of an accident/hit and run	$1841	$313

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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 Sleepy Eye 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 Sleepy Eye.

The cheapest car insurance premiums in Sleepy Eye are offered by Umialik at $219 for a six-month policy. However, it can be as expensive as $3987 with companies like AAA.

Sleepy Eye car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$219	$37
West Bend Mutual	$229	$39
Farmers Union Insurance	$275	$45
Westfield	$309	$53
Iowa Farm Bureau	$404	$67
Country Financial	$429	$73
Auto-Owners Insurance Co	$459	$76
American Family	$484	$81
Western National	$684	$115
Travelers	$689	$116
State Farm	$878	$148
USAA	$948	$160
Auto-Owners	$978	$165
Farmers	$2130	$362
Allstate	$2260	$381
North Star Mutual	$3982	$677
AAA	$3987	$664

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 Sleepy Eye are offered by Westfield at $144. However, it can be as expensive as $2500 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Sleepy Eye after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$144	$24
Iowa Farm Bureau	$229	$39
West Bend Mutual	$229	$39
Auto-Owners Insurance Co	$239	$40
American Family	$255	$42
Farmers Union Insurance	$260	$45
State Farm	$549	$92
Western National	$684	$115
USAA	$723	$121
Auto-Owners	$798	$136
Travelers	$869	$144
North Star Mutual	$1392	$237
Farmers	$1791	$298
AAA	$1856	$316
Allstate	$2500	$417

Car Insurance Price Trends in Sleepy Eye, Minnesota

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

The average cost of full coverage in the Sleepy Eye rose by $181 in January compared to $149 of December. In other words, there has been an increase by $32 when you compare January and December.

The average cost of liability insurance in the Sleepy Eye rose to $43 in January, compared to $41 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Sleepy Eye?

The car insurance in Sleepy Eye is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Sleepy Eye?

The cheapest car insurance in Sleepy Eye is $74 per month for full coverage.

How much is car insurance in Sleepy Eye for teenagers?

Car insurance for teenagers costs $144 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 Sleepy Eye?

The average cost of car insurance is $944 for a six-month policy. It will cost around $134 per month to insure your car in Sleepy Eye.

Is car insurance expensive in Sleepy Eye?

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

Cheapest Car Insurance Quotes in Sleepy Eye

Why you can trust Way?

How Much Is Car Insurance in Sleepy Eye

Avg. Car Insurance in Sleepy Eye

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Sleepy Eye

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Sleepy Eye Car Insurance Rates by Company

Cheap Car Insurance Companies in Sleepy Eye, MN

Way's key takeaways about car insurance in Sleepy Eye

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sleepy Eye

Cheapest Liability Coverage in Sleepy Eye, MN

Cheapest Full Coverage Car Insurance in Sleepy Eye

Cheapest Full Coverage Car Insurance Quotes in Sleepy Eye, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sleepy Eye by Rating Factor

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

Car Insurance Premiums by Age in Sleepy Eye

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sleepy Eye,MN

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

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 Sleepy Eye

Cheapest Car Insurance Companies after an At-Fault Accident in Sleepy Eye

Sleepy Eye Car Insurance Rates by Violation

Sleepy Eye auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sleepy Eye after a DUI

Sleepy Eye car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sleepy Eye after Speeding ticket

Car Insurance Price Trends in Sleepy Eye, Minnesota

Average Car Insurance Cost in Sleepy Eye by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sleepy Eye, MN

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

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