Cheapest Car Insurance Quotes in Upsala

Finding the cheapest car insurance quotes in Upsala 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

406,175 Policies Sold

Upsala 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 Upsala

The car insurance rate in Upsala is $1020 for a six-month policy, which is $76 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $558, making it a popular choice for budget-conscious drivers. Rates in Upsala 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 Upsala

$1020

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Upsala

1st place: Iowa Farm Bureau

At $558 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 $565 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $565 for six months, making it the third cheapest auto insurance company in Upsala.

Upsala Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Upsala, MN is Iowa Farm Bureau, offering policies at just $558 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $565.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1835 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Upsala drivers find the best deals.

Cheap Car Insurance Companies in Upsala, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$558	$95
Auto-Owners Insurance Co	$565	$94
Westfield	$565	$96
American Family	$590	$99
West Bend Mutual	$731	$123
Travelers	$783	$132
Nationwide	$866	$147
USAA	$905	$152
AAA	$936	$158
Auto-Owners	$1001	$168
West Bend	$1078	$184
State Farm	$1129	$190
Western National	$1456	$247
Allstate	$1527	$257
North Star Mutual	$1790	$305
Farmers	$1835	$306

Key Takeaways

Way's key takeaways about car insurance in Upsala

The auto insurance costs in Upsala fall around $558 for six months.
The cheapest auto insurance company in Upsala is Westfield.
Teen drivers pay the highest rate in Upsala at $1103 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 Upsala

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 Upsala are given below.

Westfield provides the cheapest minimum car insurance coverage in Upsala. Their Average 6 Month Premium is $154. Nationwide is the most expensive at $334 for the same period.

Cheapest Liability Coverage in Upsala, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$154	$26
West Bend Mutual	$218	$37
North Star Mutual Insurance	$238	$40
USAA	$257	$43
Auto-Owners Insurance Co	$269	$45
Iowa Farm Bureau	$269	$45
West Bend	$269	$45
Farmers Union Insurance	$275	$46
Auto-Owners	$282	$48
North Star Mutual	$282	$48
AAA	$314	$53
American Family	$314	$53
Travelers	$314	$53
State Farm	$340	$57
Western National	$360	$60
Allstate	$526	$89
Farmers	$744	$126
Nationwide	$334	$55

Cheapest Full Coverage Car Insurance in Upsala

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 Upsala is Iowa Farm Bureau at $95 per month and $558 for six months.

Cheapest Full Coverage Car Insurance Quotes in Upsala, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$558	$95
Auto-Owners Insurance Co	$565	$94
Westfield	$565	$96
American Family	$590	$99
West Bend Mutual	$731	$123
Travelers	$783	$132
Nationwide	$866	$147
USAA	$905	$152
AAA	$936	$158
Auto-Owners	$1001	$168
West Bend	$1078	$184
State Farm	$1129	$190
Western National	$1456	$247
Allstate	$1527	$257
North Star Mutual	$1790	$305
Farmers	$1835	$306

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Upsala Instantly!

Average Car Insurance in Upsala 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 Upsala, MN increasing?

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

Car Insurance Premiums by Age in Upsala

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	$706
30s	Farm Bureau Mutual	$504
40s	Farm Bureau Mutual	$499
50s	Farm Bureau Mutual	$420
60s	Farm Bureau Mutual	$430
70s	Farm Bureau Mutual	$504

Cheapest Car Insurance Rates for Teen Drivers in Upsala,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Upsala at $31 per month. At $6614 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$186	$31
North Star Mutual Insurance	$257	$43
Auto-Owners Insurance Co	$275	$46
Iowa Farm Bureau	$282	$48
Farmers Union Insurance	$295	$50
Umialik	$366	$60
American Family	$1001	$168
Travelers	$1123	$189
Auto-Owners	$1469	$247
USAA	$1501	$253
State Farm	$2239	$377
AAA	$2258	$380
Allstate	$3599	$606
North Star Mutual	$3772	$629
Western National	$4196	$714
Farmers	$6614	$1103

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 Upsala.

As young drivers face the highest rates in Upsala, Farm Bureau Mutual offers the cheapest auto insurance rates at $706 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 Upsala, West Bend Mutual is the cheapest car insurance provider. At $275 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 Upsala is State Farm, offering rates of around $7320 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$275	$46
Westfield	$340	$56
Farmers Union Insurance	$378	$65
Iowa Farm Bureau	$532	$89
American Family	$545	$93
USAA	$1783	$297
AAA	$1988	$335
Travelers	$2560	$427
North Star Mutual	$2964	$504
Auto-Owners	$3092	$515
Farmers	$3400	$578
Western National	$3554	$592
Allstate	$4260	$725
State Farm	$7320	$1220

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Upsala

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

Cheapest Car Insurance Companies after an At-Fault Accident in Upsala

The cheapest car insurance companies after an at-fault accident in Upsala include Westfield and Umialik, offering $225 and $282, respectively. Nationwide is an expensive provider with an average six-month premium of $443.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$225	$38
Umialik	$282	$48
Iowa Farm Bureau	$347	$57
Auto-Owners Insurance Co	$366	$63
Farmers Union Insurance	$373	$62
West Bend Mutual	$378	$65
North Star Mutual Insurance	$436	$72
Encompass	$475	$81
American Family	$667	$112
Western National	$693	$117
Auto-Owners	$744	$125
State Farm	$770	$130
Travelers	$860	$145
USAA	$923	$156
AAA	$1462	$246
North Star Mutual	$1732	$292
Farmers	$2701	$450
Allstate	$2797	$471
Nationwide	$443	$73

Upsala Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Upsala MN. For example, the car insurance in Upsala after a DUI increases to $1180 for a six month policy. While the rate increases by $243 for a six-month policy in the case of a speeding ticket.

Upsala auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1104	$184
One Med/PIP claim	$1117	$190
Not-at-fault accident	$1135	$189
One comp claim	$1174	$200
Two Med/PIP claims	$1174	$195
Two comp claims	$1226	$208
Failure to wear a seat belt	$1257	$210
Failure to show documents	$1277	$217
Child safety restraint	$1296	$216
Driving without lights	$1296	$220
Driving with expired registration	$1322	$220
Cell phone violation	$1347	$229
Speeding 6 - 10 MPH over limit	$1347	$225
Texting while driving	$1347	$229
Following too closely	$1360	$227
Driving too slowly	$1366	$232
Failure to yield	$1366	$228
Illegal turn	$1366	$232
Speeding in school zone	$1366	$228
Wrong way/wrong lane	$1366	$232
Failure to stop at a red light	$1373	$229
Improper passing	$1373	$233
Speeding 11 - 15 MPH over limit	$1379	$230
Speeding 16 - 20 MPH over limit	$1392	$237
At-fault accident - less than $1000	$1425	$238
Passing school bus	$1425	$242
In 65 MPH zone	$1431	$239
Operating a vehicle without permission	$1437	$244
Speeding 21 - 25 MPH over limit	$1482	$247
At-fault accident - $1000-$2000	$1584	$269
Open container	$1591	$266
At-fault accident - greater than $2000	$1623	$276
Reckless driving	$1988	$332
Racing	$2053	$349
Driving with a suspended license	$2182	$364
Refusal to submit to a chemical test	$2206	$375
DUI	$2284	$380
Leaving scene of an accident/hit and run	$2367	$403

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 Upsala 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 Upsala.

The cheapest car insurance premiums in Upsala are offered by Umialik at $282 for a six-month policy. However, it can be as expensive as $5126 with companies like AAA.

Upsala car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$282	$48
West Bend Mutual	$295	$50
Farmers Union Insurance	$353	$58
Westfield	$397	$68
Iowa Farm Bureau	$519	$86
Country Financial	$552	$94
Auto-Owners Insurance Co	$590	$98
American Family	$622	$105
Western National	$879	$148
Travelers	$886	$149
State Farm	$1129	$190
USAA	$1219	$205
Auto-Owners	$1257	$212
Farmers	$2739	$465
Allstate	$2906	$489
North Star Mutual	$5119	$870
AAA	$5126	$854

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 Upsala are offered by Westfield at $186. However, it can be as expensive as $3214 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Upsala after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$186	$31
Iowa Farm Bureau	$295	$50
West Bend Mutual	$295	$50
Auto-Owners Insurance Co	$308	$52
American Family	$327	$54
Farmers Union Insurance	$334	$57
State Farm	$705	$119
Western National	$879	$148
USAA	$930	$156
Auto-Owners	$1026	$175
Travelers	$1117	$186
North Star Mutual	$1790	$305
Farmers	$2303	$383
AAA	$2387	$406
Allstate	$3214	$536

Car Insurance Price Trends in Upsala, Minnesota

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

The average cost of full coverage in the Upsala rose by $232 in January compared to $191 of December. In other words, there has been an increase by $41 when you compare January and December.

The average cost of liability insurance in the Upsala rose to $55 in January, compared to $53 in December. This represents an increase of $2 when comparing January and December.

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 Upsala?

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

What is the cheapest car insurance in Upsala?

The cheapest car insurance in Upsala is $95 per month for full coverage.

How much is car insurance in Upsala for teenagers?

Car insurance for teenagers costs $186 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 Upsala?

The average cost of car insurance is $944 for a six-month policy. It will cost around $172 per month to insure your car in Upsala.

Is car insurance expensive in Upsala?

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

Cheapest Car Insurance Quotes in Upsala

Why you can trust Way?

How Much Is Car Insurance in Upsala

Avg. Car Insurance in Upsala

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Upsala

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Upsala Car Insurance Rates by Company

Cheap Car Insurance Companies in Upsala, MN

Way's key takeaways about car insurance in Upsala

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Upsala

Cheapest Liability Coverage in Upsala, MN

Cheapest Full Coverage Car Insurance in Upsala

Cheapest Full Coverage Car Insurance Quotes in Upsala, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Upsala by Rating Factor

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

Car Insurance Premiums by Age in Upsala

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Upsala,MN

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

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 Upsala

Cheapest Car Insurance Companies after an At-Fault Accident in Upsala

Upsala Car Insurance Rates by Violation

Upsala auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Upsala after a DUI

Upsala car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Upsala after Speeding ticket

Car Insurance Price Trends in Upsala, Minnesota

Average Car Insurance Cost in Upsala by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Upsala, MN

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

Featured Blogs

Data Sources