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Cheapest Car Insurance Quotes in South International Falls
Finding the cheapest car insurance quotes in South International Falls 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 South International Falls
The car insurance rate in South International Falls is $827 for a six-month policy, which is $24 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $441, making it a popular choice for budget-conscious drivers. Rates in South International Falls 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.
Cheapest Car Insurance Companies in South International Falls
1st place: AAA
At $441 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 $533 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 $539
for six months, making it
the third cheapest auto insurance company in South International Falls.
South International Falls Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in South International Falls, MN is AAA, offering policies at just $441 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $533.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1597 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South International Falls drivers find the best deals.
Cheap Car Insurance Companies in South International Falls, MN
Way's key takeaways about car insurance in South International Falls
The auto insurance costs in South International Falls fall around $441 for six
months.
The cheapest auto insurance company in South International Falls is Westfield.
Teen drivers pay the highest rate in South International Falls at $964 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 South International Falls
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 South International Falls are given below.
Westfield provides
the cheapest minimum car insurance
coverage in South International Falls. Their Average 6 Month Premium is $147.
Nationwide is the most
expensive at $318 for the same
period.
Cheapest Liability Coverage in South International Falls, MN
Cheapest Full Coverage Car Insurance in South International Falls
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 South International Falls is AAA
at $75 per month and $441
for six months.
Cheapest Full Coverage Car Insurance Quotes in South International Falls,
MN
Get Your Car Insurance Quote in South International Falls
Instantly!
Average Car Insurance in South International Falls 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 South International Falls, MN increasing?
Despite maintaining a clean driving record, your car insurance rates
in South International Falls, 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, South International Falls's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in South International Falls
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
$685
30s
Farm Bureau Mutual
$489
40s
Farm Bureau Mutual
$484
50s
Farm Bureau Mutual
$407
60s
Farm Bureau Mutual
$417
70s
Farm Bureau Mutual
$489
Cheapest Car Insurance Rates for Teen Drivers in
South International Falls,MN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the South International Falls at $30
per
month. At $5781 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 South International Falls.
As young drivers face the highest rates in South International Falls, Farm Bureau Mutual
offers the cheapest auto insurance rates at $685 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 South International Falls,
West Bend Mutual is
the cheapest car insurance provider. At $263 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
South International Falls is State Farm, offering
rates of around $5298 for six
months.
Save up to $971/yr on car insurance rates in South International Falls.
Car Insurance Rates with An Accident in South International Falls
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 South International Falls, MN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in South International Falls
The cheapest car insurance companies after an at-fault accident in
South International Falls include Westfield
and Umialik, offering $214
and $269,
respectively. Nationwide is an expensive provider
with an average six-month premium of
$422.
South International Falls Car Insurance Rates by
Violation
Here is a list of driving violations that can increase your car
insurance rates in South International Falls MN. For example, the car
insurance in South International Falls
after a DUI increases to $1125 for a six
month policy. While the rate increases by $231 for a six-month policy in the case of
a speeding ticket.
South International Falls auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1053
$175
One Med/PIP claim
$1065
$181
Not-at-fault accident
$1083
$180
One comp claim
$1120
$191
Two Med/PIP claims
$1120
$186
Two comp claims
$1169
$199
Failure to wear a seat belt
$1199
$200
Failure to show documents
$1217
$207
Child safety restraint
$1236
$206
Driving without lights
$1236
$210
Driving with expired registration
$1261
$210
Cell phone violation
$1284
$218
Speeding 6 - 10 MPH over limit
$1284
$214
Texting while driving
$1284
$218
Following too closely
$1297
$216
Driving too slowly
$1303
$221
Failure to yield
$1303
$217
Illegal turn
$1303
$221
Speeding in school zone
$1303
$217
Wrong way/wrong lane
$1303
$221
Failure to stop at a red light
$1309
$218
Improper passing
$1309
$222
Speeding 11 - 15 MPH over limit
$1315
$219
Speeding 16 - 20 MPH over limit
$1328
$226
At-fault accident - less than $1000
$1359
$227
Passing school bus
$1359
$231
In 65 MPH zone
$1365
$228
Operating a vehicle without permission
$1371
$233
Speeding 21 - 25 MPH over limit
$1413
$236
At-fault accident - $1000-$2000
$1511
$256
Open container
$1517
$253
At-fault accident - greater than $2000
$1548
$264
Reckless driving
$1896
$316
Racing
$1958
$333
Driving with a suspended license
$2081
$347
Refusal to submit to a chemical test
$2104
$357
DUI
$2178
$363
Leaving scene of an accident/hit and run
$2258
$384
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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 South International Falls 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 South International Falls.
The cheapest car insurance premiums in
South International Falls are
offered by Umialik at $269 for a six-month policy.
However, it can be as
expensive as $2410 with companies
like Farmers.
South International Falls car insurance quotes with a DUI
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 South International Falls are offered by Westfield
at $177. However,
it can be as expensive as $2300
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in South International Falls after Speeding ticket
Car Insurance Price Trends in South International Falls,
Minnesota
Car insurance rates in South International Falls have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the South International Falls rose by
$182 in December
compared to $181 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 South International Falls remained steady at $50 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in South International Falls 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
South International Falls. At $N/A for a
six-month policy, insuring
your car at N/A 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 South International Falls?
The car insurance in South International Falls is $25 per month, which is lower than the national average.
What is the cheapest car insurance in South International Falls?
The cheapest car insurance in South International Falls
is $75 per month
for full coverage.
How much is car insurance in South International Falls for teenagers?
Car insurance for teenagers costs $177 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
South International Falls?
The average cost of car insurance is $803 for a six-month
policy. It will cost around $138 per month to insure your
car in South International Falls.
Is car insurance expensive in South International Falls?
Car insurance can be expensive in South International Falls if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in South International Falls can be
affordable.
What is the best car insurance in South International Falls,
MN?
The best car insurance company in South International Falls
MN is
AAA, offering $441 for a
six-month policy.
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South International Falls Car Insurance
