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Finding the cheapest car insurance quotes in Swan River 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 Swan River
The car insurance rate in Swan River is $859 for a six-month policy, which is $56 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $458, making it a popular choice for budget-conscious drivers. Rates in Swan River 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 $458 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 $553 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 $560
for six months, making it
the third cheapest auto insurance company in Swan River.
Swan River Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Swan River, MN is AAA, offering policies at just $458 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $553.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1659 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Swan River drivers find the best deals.
Way's key takeaways about car insurance in Swan River
The auto insurance costs in Swan River fall around $458 for six
months.
The cheapest auto insurance company in Swan River is Westfield.
Teen drivers pay the highest rate in Swan River at $1002 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 Swan River
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 Swan River are given below.
Westfield provides
the cheapest minimum car insurance
coverage in Swan River. Their Average 6 Month Premium is $153.
Nationwide is the most
expensive at $331 for the same
period.
Cheapest Full Coverage Car Insurance in Swan River
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 Swan River is AAA
at $78 per month and $458
for six months.
Cheapest Full Coverage Car Insurance Quotes in Swan River,
MN
Get Your Car Insurance Quote in Swan River
Instantly!
Average Car Insurance in Swan River 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 Swan River, MN increasing?
Despite maintaining a clean driving record, your car insurance rates
in Swan River, 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, Swan River's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Swan River
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
$712
30s
Farm Bureau Mutual
$508
40s
Farm Bureau Mutual
$503
50s
Farm Bureau Mutual
$423
60s
Farm Bureau Mutual
$433
70s
Farm Bureau Mutual
$508
Cheapest Car Insurance Rates for Teen Drivers in
Swan River,MN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Swan River at $31
per
month. At $6006 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 Swan River.
As young drivers face the highest rates in Swan River, Farm Bureau Mutual
offers the cheapest auto insurance rates at $712 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 Swan River,
West Bend Mutual is
the cheapest car insurance provider. At $273 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
Swan River is State Farm, offering
rates of around $5504 for six
months.
Save up to $971/yr on car insurance rates in Swan River.
Car Insurance Rates with An Accident in Swan River
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 Swan River, MN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Swan River
The cheapest car insurance companies after an at-fault accident in
Swan River include Westfield
and Umialik, offering $223
and $279,
respectively. Nationwide is an expensive provider
with an average six-month premium of
$439.
Here is a list of driving violations that can increase your car
insurance rates in Swan River MN. For example, the car
insurance in Swan River
after a DUI increases to $1169 for a six
month policy. While the rate increases by $240 for a six-month policy in the case of
a speeding ticket.
Swan River auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1094
$182
One Med/PIP claim
$1106
$188
Not-at-fault accident
$1125
$187
One comp claim
$1163
$198
Two Med/PIP claims
$1163
$194
Two comp claims
$1214
$207
Failure to wear a seat belt
$1245
$208
Failure to show documents
$1265
$215
Child safety restraint
$1284
$214
Driving without lights
$1284
$218
Driving with expired registration
$1310
$218
Cell phone violation
$1334
$227
Speeding 6 - 10 MPH over limit
$1334
$223
Texting while driving
$1334
$227
Following too closely
$1347
$225
Driving too slowly
$1354
$230
Failure to yield
$1354
$226
Illegal turn
$1354
$230
Speeding in school zone
$1354
$226
Wrong way/wrong lane
$1354
$230
Failure to stop at a red light
$1360
$227
Improper passing
$1360
$231
Speeding 11 - 15 MPH over limit
$1366
$228
Speeding 16 - 20 MPH over limit
$1379
$234
At-fault accident - less than $1000
$1411
$235
Passing school bus
$1411
$240
In 65 MPH zone
$1418
$236
Operating a vehicle without permission
$1424
$242
Speeding 21 - 25 MPH over limit
$1468
$245
At-fault accident - $1000-$2000
$1570
$266
Open container
$1576
$263
At-fault accident - greater than $2000
$1608
$274
Reckless driving
$1970
$328
Racing
$2034
$346
Driving with a suspended license
$2161
$361
Refusal to submit to a chemical test
$2186
$371
DUI
$2263
$377
Leaving scene of an accident/hit and run
$2345
$399
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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 Swan River 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 Swan River.
The cheapest car insurance premiums in
Swan River are
offered by Umialik at $279 for a six-month policy.
However, it can be as
expensive as $2504 with companies
like Farmers.
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 Swan River are offered by Westfield
at $184. However,
it can be as expensive as $2389
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Swan River after Speeding ticket
Car Insurance Price Trends in Swan River,
Minnesota
Car insurance rates in Swan River have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Swan River rose by
$189 in December
compared to $188 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 Swan River remained steady at $52 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Swan River 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
Swan River. At $1718 for a
six-month policy, insuring
your car at 55784 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 Swan River?
The car insurance in Swan River is $26 per month, which is lower than the national average.
What is the cheapest car insurance in Swan River?
The cheapest car insurance in Swan River
is $78 per month
for full coverage.
How much is car insurance in Swan River for teenagers?
Car insurance for teenagers costs $184 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
Swan River?
The average cost of car insurance is $803 for a six-month
policy. It will cost around $143 per month to insure your
car in Swan River.
Is car insurance expensive in Swan River?
Car insurance can be expensive in Swan River if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Swan River can be
affordable.
What is the best car insurance in Swan River,
MN?
The best car insurance company in Swan River
MN is
AAA, offering $458 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Swan River, MN
Car Insurance Rates by State in the USA (2025 Update)
Swan River Car Insurance
