Cheapest Car Insurance Quotes in Taylors Falls

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Taylors Falls Car Insurance

^$ 26

/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 Taylors Falls

The car insurance rate in Taylors Falls is $883 for a six-month policy, which is $80 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $471, making it a popular choice for budget-conscious drivers. Rates in Taylors 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.

Avg. Car Insurance in Taylors Falls

$883

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Taylors Falls

1st place: AAA

At $471 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 $569 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 $575 for six months, making it the third cheapest auto insurance company in Taylors Falls.

Taylors Falls Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Taylors Falls, MN is AAA, offering policies at just $471 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $569.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1705 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Taylors Falls drivers find the best deals.

Cheap Car Insurance Companies in Taylors Falls, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$471	$80
Iowa Farm Bureau	$569	$95
Auto-Owners Insurance Co	$575	$98
Westfield	$575	$96
American Family	$700	$118
Travelers	$745	$125
West Bend Mutual	$745	$125
Nationwide	$882	$147
USAA	$895	$151
Auto-Owners	$967	$163
State Farm	$1091	$184
West Bend	$1098	$183
Allstate	$1353	$228
Farmers	$1705	$284

Key Takeaways

Way's key takeaways about car insurance in Taylors Falls

The auto insurance costs in Taylors Falls fall around $471 for six months.
The cheapest auto insurance company in Taylors Falls is Westfield.
Teen drivers pay the highest rate in Taylors Falls at $1030 per month.

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Cheapest Minimum Liability Car Insurance in Taylors 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 Taylors Falls are given below.

Westfield provides the cheapest minimum car insurance coverage in Taylors Falls. Their Average 6 Month Premium is $157. Nationwide is the most expensive at $340 for the same period.

Cheapest Liability Coverage in Taylors Falls, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$157	$26
West Bend Mutual	$222	$37
AAA	$229	$39
North Star Mutual	$242	$41
North Star Mutual Insurance	$242	$41
USAA	$242	$41
Auto-Owners	$274	$46
Auto-Owners Insurance Co	$274	$46
Iowa Farm Bureau	$274	$46
West Bend	$274	$46
Farmers Union Insurance	$281	$47
Travelers	$300	$51
American Family	$314	$53
State Farm	$314	$53
Western National	$333	$57
Allstate	$542	$91
Farmers	$765	$130
Nationwide	$340	$56

Cheapest Full Coverage Car Insurance in Taylors 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 Taylors Falls is AAA at $80 per month and $471 for six months.

Cheapest Full Coverage Car Insurance Quotes in Taylors Falls, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$471	$80
Iowa Farm Bureau	$569	$95
Auto-Owners Insurance Co	$575	$98
Westfield	$575	$96
American Family	$700	$118
Travelers	$745	$125
West Bend Mutual	$745	$125
Nationwide	$882	$147
USAA	$895	$151
Auto-Owners	$967	$163
State Farm	$1091	$184
West Bend	$1098	$183
Allstate	$1353	$228
Farmers	$1705	$284

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Average Car Insurance in Taylors 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 Taylors Falls, MN increasing?

Despite maintaining a clean driving record, your car insurance rates in Taylors 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, Taylors 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 Taylors 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	$732
30s	Farm Bureau Mutual	$523
40s	Farm Bureau Mutual	$517
50s	Farm Bureau Mutual	$435
60s	Farm Bureau Mutual	$446
70s	Farm Bureau Mutual	$523

Cheapest Car Insurance Rates for Teen Drivers in Taylors Falls,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Taylors Falls at $32 per month. At $6174 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$189	$32
North Star Mutual Insurance	$262	$44
Auto-Owners Insurance Co	$281	$47
AAA	$287	$48
Iowa Farm Bureau	$287	$48
Farmers Union Insurance	$300	$51
Umialik	$373	$64
Travelers	$954	$161
Auto-Owners	$1372	$231
USAA	$1458	$245
American Family	$1764	$297
State Farm	$2118	$356
Allstate	$3548	$597
Farmers	$6174	$1030

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 Taylors Falls.

As young drivers face the highest rates in Taylors Falls, Farm Bureau Mutual offers the cheapest auto insurance rates at $732 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 Taylors Falls, West Bend Mutual is the cheapest car insurance provider. At $281 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 Taylors Falls is State Farm, offering rates of around $5658 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$281	$47
Westfield	$347	$57
Farmers Union Insurance	$385	$66
Iowa Farm Bureau	$542	$90
AAA	$614	$105
American Family	$1176	$198
USAA	$1634	$278
Travelers	$1954	$326
Auto-Owners	$2647	$450
Farmers	$3234	$539
Allstate	$3659	$623
State Farm	$5658	$943

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

Car Insurance Rates with An Accident in Taylors 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 Taylors Falls, MN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Taylors Falls

The cheapest car insurance companies after an at-fault accident in Taylors Falls include Westfield and Umialik, offering $229 and $287, respectively. Nationwide is an expensive provider with an average six-month premium of $451.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$229	$39
Umialik	$287	$48
Western National	$314	$53
Iowa Farm Bureau	$353	$61
Auto-Owners Insurance Co	$373	$62
Farmers Union Insurance	$380	$65
AAA	$385	$64
West Bend Mutual	$385	$66
North Star Mutual	$405	$67
North Star Mutual Insurance	$444	$76
Encompass	$484	$80
Auto-Owners	$700	$118
State Farm	$738	$124
Travelers	$778	$131
USAA	$895	$151
American Family	$1085	$183
Allstate	$2365	$398
Farmers	$2542	$432
Nationwide	$451	$75

Taylors Falls Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Taylors Falls MN. For example, the car insurance in Taylors Falls after a DUI increases to $1203 for a six month policy. While the rate increases by $248 for a six-month policy in the case of a speeding ticket.

Taylors Falls auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1124	$187
One Med/PIP claim	$1137	$194
Not-at-fault accident	$1156	$193
One comp claim	$1196	$204
Two Med/PIP claims	$1196	$199
Two comp claims	$1249	$212
Failure to wear a seat belt	$1280	$213
Failure to show documents	$1300	$221
Child safety restraint	$1320	$220
Driving without lights	$1320	$224
Driving with expired registration	$1346	$224
Cell phone violation	$1372	$233
Speeding 6 - 10 MPH over limit	$1372	$229
Texting while driving	$1372	$233
Following too closely	$1385	$231
Driving too slowly	$1392	$237
Failure to yield	$1392	$232
Illegal turn	$1392	$237
Speeding in school zone	$1392	$232
Wrong way/wrong lane	$1392	$237
Failure to stop at a red light	$1398	$233
Improper passing	$1398	$238
Speeding 11 - 15 MPH over limit	$1405	$234
Speeding 16 - 20 MPH over limit	$1418	$241
At-fault accident - less than $1000	$1451	$242
Passing school bus	$1451	$246
In 65 MPH zone	$1458	$243
Operating a vehicle without permission	$1464	$249
Speeding 21 - 25 MPH over limit	$1509	$252
At-fault accident - $1000-$2000	$1614	$274
Open container	$1620	$271
At-fault accident - greater than $2000	$1653	$282
Reckless driving	$2025	$338
Racing	$2091	$355
Driving with a suspended license	$2222	$371
Refusal to submit to a chemical test	$2247	$382
DUI	$2327	$387
Leaving scene of an accident/hit and run	$2411	$410

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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 Taylors 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 Taylors Falls.

The cheapest car insurance premiums in Taylors Falls are offered by Umialik at $287 for a six-month policy. However, it can be as expensive as $2574 with companies like Farmers.

Taylors Falls car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$287	$48
West Bend Mutual	$300	$51
Western National	$300	$51
Farmers Union Insurance	$360	$62
Westfield	$405	$67
Iowa Farm Bureau	$529	$90
Country Financial	$562	$94
Auto-Owners Insurance Co	$601	$102
Travelers	$817	$138
State Farm	$869	$146
American Family	$980	$165
Auto-Owners	$1163	$196
USAA	$1183	$199
Allstate	$2438	$410
Farmers	$2574	$429

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 Taylors Falls are offered by Westfield at $189. However, it can be as expensive as $2456 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Taylors Falls after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$189	$32
Iowa Farm Bureau	$300	$51
West Bend Mutual	$300	$51
Western National	$300	$51
Auto-Owners Insurance Co	$314	$53
Farmers Union Insurance	$340	$58
State Farm	$614	$103
American Family	$706	$119
USAA	$836	$140
Auto-Owners	$849	$144
Travelers	$876	$146
Farmers	$2136	$363
Allstate	$2456	$409

Car Insurance Price Trends in Taylors Falls, Minnesota

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

The average cost of full coverage in the Taylors Falls rose by $195 in December compared to $194 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 Taylors Falls remained steady at $54 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Taylors Falls?

The car insurance in Taylors Falls is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Taylors Falls?

The cheapest car insurance in Taylors Falls is $80 per month for full coverage.

How much is car insurance in Taylors Falls for teenagers?

Car insurance for teenagers costs $189 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 Taylors Falls?

The average cost of car insurance is $803 for a six-month policy. It will cost around $147 per month to insure your car in Taylors Falls.

Is car insurance expensive in Taylors Falls?

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

Cheapest Car Insurance Quotes in Taylors Falls

Why you can trust Way?

How Much Is Car Insurance in Taylors Falls

Avg. Car Insurance in Taylors Falls

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Taylors Falls

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

Taylors Falls Car Insurance Rates by Company

Cheap Car Insurance Companies in Taylors Falls, MN

Way's key takeaways about car insurance in Taylors Falls

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Taylors Falls

Cheapest Liability Coverage in Taylors Falls, MN

Cheapest Full Coverage Car Insurance in Taylors Falls

Cheapest Full Coverage Car Insurance Quotes in Taylors Falls, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Taylors Falls by Rating Factor

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

Car Insurance Premiums by Age in Taylors Falls

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Taylors Falls,MN

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

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 Taylors Falls

Cheapest Car Insurance Companies after an At-Fault Accident in Taylors Falls

Taylors Falls Car Insurance Rates by Violation

Taylors Falls auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Taylors Falls after a DUI

Taylors Falls car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Taylors Falls after Speeding ticket

Car Insurance Price Trends in Taylors Falls, Minnesota

Average Car Insurance Cost in Taylors Falls by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Taylors Falls, MN

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

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