Cheapest Car Insurance Quotes in Twin Lakes

Finding the cheapest car insurance quotes in Twin Lakes 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Twin Lakes Car Insurance

^$ 21

/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 Twin Lakes

The car insurance rate in Twin Lakes is $715 for a six-month policy, which is $88 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $381, making it a popular choice for budget-conscious drivers. Rates in Twin Lakes 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 Twin Lakes

$715

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Twin Lakes

1st place: AAA

At $381 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 $460 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 $465 for six months, making it the third cheapest auto insurance company in Twin Lakes.

Twin Lakes Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Twin Lakes, MN is AAA, offering policies at just $381 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $460.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1380 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Twin Lakes drivers find the best deals.

Cheap Car Insurance Companies in Twin Lakes, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$381	$65
Iowa Farm Bureau	$460	$77
Auto-Owners Insurance Co	$465	$79
Westfield	$465	$77
American Family	$566	$95
Travelers	$603	$101
West Bend Mutual	$603	$101
Nationwide	$714	$119
USAA	$724	$122
Auto-Owners	$782	$132
State Farm	$883	$149
West Bend	$888	$148
Allstate	$1095	$184
Farmers	$1380	$230

Key Takeaways

Way's key takeaways about car insurance in Twin Lakes

The auto insurance costs in Twin Lakes fall around $381 for six months.
The cheapest auto insurance company in Twin Lakes is Westfield.
Teen drivers pay the highest rate in Twin Lakes at $833 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 Twin Lakes

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 Twin Lakes are given below.

Westfield provides the cheapest minimum car insurance coverage in Twin Lakes. Their Average 6 Month Premium is $127. Nationwide is the most expensive at $275 for the same period.

Cheapest Liability Coverage in Twin Lakes, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$127	$21
West Bend Mutual	$180	$30
AAA	$185	$31
North Star Mutual	$196	$33
North Star Mutual Insurance	$196	$33
USAA	$196	$33
Auto-Owners	$222	$37
Auto-Owners Insurance Co	$222	$37
Iowa Farm Bureau	$222	$37
West Bend	$222	$37
Farmers Union Insurance	$227	$38
Travelers	$243	$41
American Family	$254	$43
State Farm	$254	$43
Western National	$270	$46
Allstate	$439	$74
Farmers	$619	$105
Nationwide	$275	$45

Cheapest Full Coverage Car Insurance in Twin Lakes

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 Twin Lakes is AAA at $65 per month and $381 for six months.

Cheapest Full Coverage Car Insurance Quotes in Twin Lakes, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$381	$65
Iowa Farm Bureau	$460	$77
Auto-Owners Insurance Co	$465	$79
Westfield	$465	$77
American Family	$566	$95
Travelers	$603	$101
West Bend Mutual	$603	$101
Nationwide	$714	$119
USAA	$724	$122
Auto-Owners	$782	$132
State Farm	$883	$149
West Bend	$888	$148
Allstate	$1095	$184
Farmers	$1380	$230

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Twin Lakes Instantly!

Average Car Insurance in Twin Lakes 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 Twin Lakes, MN increasing?

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

Car Insurance Premiums by Age in Twin Lakes

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	$592
30s	Farm Bureau Mutual	$423
40s	Farm Bureau Mutual	$418
50s	Farm Bureau Mutual	$352
60s	Farm Bureau Mutual	$360
70s	Farm Bureau Mutual	$423

Cheapest Car Insurance Rates for Teen Drivers in Twin Lakes,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Twin Lakes at $26 per month. At $4996 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$153	$26
North Star Mutual Insurance	$212	$36
Auto-Owners Insurance Co	$227	$38
AAA	$232	$39
Iowa Farm Bureau	$232	$39
Farmers Union Insurance	$243	$41
Umialik	$302	$52
Travelers	$772	$130
Auto-Owners	$1110	$187
USAA	$1179	$198
American Family	$1428	$240
State Farm	$1713	$288
Allstate	$2870	$483
Farmers	$4996	$833

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 Twin Lakes.

As young drivers face the highest rates in Twin Lakes, Farm Bureau Mutual offers the cheapest auto insurance rates at $592 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 Twin Lakes, West Bend Mutual is the cheapest car insurance provider. At $227 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 Twin Lakes is State Farm, offering rates of around $4578 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$227	$38
Westfield	$280	$46
Farmers Union Insurance	$312	$53
Iowa Farm Bureau	$439	$73
AAA	$497	$85
American Family	$951	$160
USAA	$1322	$225
Travelers	$1581	$263
Auto-Owners	$2141	$364
Farmers	$2617	$436
Allstate	$2960	$504
State Farm	$4578	$763

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Twin Lakes.

Car Insurance Rates with An Accident in Twin Lakes

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 Twin Lakes, MN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Twin Lakes

The cheapest car insurance companies after an at-fault accident in Twin Lakes include Westfield and Umialik, offering $185 and $232, respectively. Nationwide is an expensive provider with an average six-month premium of $365.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$185	$31
Umialik	$232	$39
Western National	$254	$43
Iowa Farm Bureau	$286	$49
Auto-Owners Insurance Co	$302	$50
Farmers Union Insurance	$307	$53
AAA	$312	$52
West Bend Mutual	$312	$53
North Star Mutual	$328	$54
North Star Mutual Insurance	$360	$61
Encompass	$392	$65
Auto-Owners	$566	$95
State Farm	$597	$101
Travelers	$629	$106
USAA	$724	$122
American Family	$878	$148
Allstate	$1914	$322
Farmers	$2057	$350
Nationwide	$365	$61

Twin Lakes Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Twin Lakes MN. For example, the car insurance in Twin Lakes after a DUI increases to $972 for a six month policy. While the rate increases by $200 for a six-month policy in the case of a speeding ticket.

Twin Lakes auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$910	$151
One Med/PIP claim	$920	$157
Not-at-fault accident	$935	$156
One comp claim	$967	$165
Two Med/PIP claims	$967	$161
Two comp claims	$1010	$172
Failure to wear a seat belt	$1036	$173
Failure to show documents	$1052	$179
Child safety restraint	$1068	$178
Driving without lights	$1068	$182
Driving with expired registration	$1089	$182
Cell phone violation	$1110	$189
Speeding 6 - 10 MPH over limit	$1110	$185
Texting while driving	$1110	$189
Following too closely	$1121	$187
Driving too slowly	$1126	$191
Failure to yield	$1126	$188
Illegal turn	$1126	$191
Speeding in school zone	$1126	$188
Wrong way/wrong lane	$1126	$191
Failure to stop at a red light	$1131	$189
Improper passing	$1131	$192
Speeding 11 - 15 MPH over limit	$1137	$190
Speeding 16 - 20 MPH over limit	$1147	$195
At-fault accident - less than $1000	$1174	$196
Passing school bus	$1174	$199
In 65 MPH zone	$1179	$197
Operating a vehicle without permission	$1185	$201
Speeding 21 - 25 MPH over limit	$1221	$204
At-fault accident - $1000-$2000	$1306	$222
Open container	$1311	$219
At-fault accident - greater than $2000	$1338	$228
Reckless driving	$1638	$273
Racing	$1692	$287
Driving with a suspended license	$1798	$300
Refusal to submit to a chemical test	$1818	$309
DUI	$1882	$313
Leaving scene of an accident/hit and run	$1951	$332

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Twin Lakes 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 Twin Lakes.

The cheapest car insurance premiums in Twin Lakes are offered by Umialik at $232 for a six-month policy. However, it can be as expensive as $2083 with companies like Farmers.

Twin Lakes car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$232	$39
West Bend Mutual	$243	$41
Western National	$243	$41
Farmers Union Insurance	$291	$50
Westfield	$328	$54
Iowa Farm Bureau	$428	$73
Country Financial	$455	$76
Auto-Owners Insurance Co	$486	$83
Travelers	$661	$111
State Farm	$703	$118
American Family	$793	$134
Auto-Owners	$941	$158
USAA	$957	$161
Allstate	$1972	$332
Farmers	$2083	$347

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 Twin Lakes are offered by Westfield at $153. However, it can be as expensive as $1987 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Twin Lakes after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$153	$26
Iowa Farm Bureau	$243	$41
West Bend Mutual	$243	$41
Western National	$243	$41
Auto-Owners Insurance Co	$254	$43
Farmers Union Insurance	$275	$47
State Farm	$497	$84
American Family	$571	$96
USAA	$676	$113
Auto-Owners	$687	$117
Travelers	$708	$118
Farmers	$1728	$294
Allstate	$1987	$331

Car Insurance Price Trends in Twin Lakes, Minnesota

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

The average cost of full coverage in the Twin Lakes rose by $158 in December compared to $157 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 Twin Lakes remained steady at $44 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Twin Lakes?

The car insurance in Twin Lakes is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Twin Lakes?

The cheapest car insurance in Twin Lakes is $65 per month for full coverage.

How much is car insurance in Twin Lakes for teenagers?

Car insurance for teenagers costs $153 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 Twin Lakes?

The average cost of car insurance is $803 for a six-month policy. It will cost around $119 per month to insure your car in Twin Lakes.

Is car insurance expensive in Twin Lakes?

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

Cheapest Car Insurance Quotes in Twin Lakes

Why you can trust Way?

How Much Is Car Insurance in Twin Lakes

Avg. Car Insurance in Twin Lakes

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Twin Lakes

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

Twin Lakes Car Insurance Rates by Company

Cheap Car Insurance Companies in Twin Lakes, MN

Way's key takeaways about car insurance in Twin Lakes

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Twin Lakes

Cheapest Liability Coverage in Twin Lakes, MN

Cheapest Full Coverage Car Insurance in Twin Lakes

Cheapest Full Coverage Car Insurance Quotes in Twin Lakes, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Twin Lakes by Rating Factor

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

Car Insurance Premiums by Age in Twin Lakes

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Twin Lakes,MN

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

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 Twin Lakes

Cheapest Car Insurance Companies after an At-Fault Accident in Twin Lakes

Twin Lakes Car Insurance Rates by Violation

Twin Lakes auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Twin Lakes after a DUI

Twin Lakes car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Twin Lakes after Speeding ticket

Car Insurance Price Trends in Twin Lakes, Minnesota

Average Car Insurance Cost in Twin Lakes by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Twin Lakes, MN

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

Featured Blogs

Data Sources