Cheapest Car Insurance Quotes in Wadena

Finding the cheapest car insurance quotes in Wadena 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

Wadena Car Insurance

^$ 25

/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 Wadena

The car insurance rate in Wadena 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 Wadena 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 Wadena

$827

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Wadena

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 Wadena.

Wadena Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wadena, 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 Wadena drivers find the best deals.

Cheap Car Insurance Companies in Wadena, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$441	$75
Iowa Farm Bureau	$533	$89
Auto-Owners Insurance Co	$539	$92
Westfield	$539	$90
American Family	$655	$110
Travelers	$697	$117
West Bend Mutual	$697	$117
Nationwide	$826	$138
USAA	$838	$141
Auto-Owners	$905	$152
State Farm	$1022	$172
West Bend	$1028	$171
Allstate	$1267	$213
Farmers	$1597	$266

Key Takeaways

Way's key takeaways about car insurance in Wadena

The auto insurance costs in Wadena fall around $441 for six months.
The cheapest auto insurance company in Wadena is Westfield.
Teen drivers pay the highest rate in Wadena 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 Wadena

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 Wadena are given below.

Westfield provides the cheapest minimum car insurance coverage in Wadena. Their Average 6 Month Premium is $147. Nationwide is the most expensive at $318 for the same period.

Cheapest Liability Coverage in Wadena, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$147	$25
West Bend Mutual	$208	$35
AAA	$214	$36
North Star Mutual	$227	$38
North Star Mutual Insurance	$227	$38
USAA	$227	$38
Auto-Owners	$256	$43
Auto-Owners Insurance Co	$256	$43
Iowa Farm Bureau	$256	$43
West Bend	$256	$43
Farmers Union Insurance	$263	$44
Travelers	$281	$47
American Family	$294	$49
State Farm	$294	$49
Western National	$312	$54
Allstate	$508	$85
Farmers	$716	$122
Nationwide	$318	$53

Cheapest Full Coverage Car Insurance in Wadena

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 Wadena is AAA at $75 per month and $441 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wadena, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$441	$75
Iowa Farm Bureau	$533	$89
Auto-Owners Insurance Co	$539	$92
Westfield	$539	$90
American Family	$655	$110
Travelers	$697	$117
West Bend Mutual	$697	$117
Nationwide	$826	$138
USAA	$838	$141
Auto-Owners	$905	$152
State Farm	$1022	$172
West Bend	$1028	$171
Allstate	$1267	$213
Farmers	$1597	$266

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Wadena Instantly!

Average Car Insurance in Wadena 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 Wadena, MN increasing?

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

Car Insurance Premiums by Age in Wadena

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 Wadena,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Wadena at $30 per month. At $5781 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$177	$30
North Star Mutual Insurance	$245	$41
Auto-Owners Insurance Co	$263	$44
AAA	$269	$45
Iowa Farm Bureau	$269	$45
Farmers Union Insurance	$281	$47
Umialik	$349	$60
Travelers	$893	$150
Auto-Owners	$1284	$216
USAA	$1365	$230
American Family	$1652	$278
State Farm	$1983	$334
Allstate	$3322	$559
Farmers	$5781	$964

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 Wadena.

As young drivers face the highest rates in Wadena, 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 Wadena, 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 Wadena is State Farm, offering rates of around $5298 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$263	$44
Westfield	$324	$54
Farmers Union Insurance	$361	$62
Iowa Farm Bureau	$508	$84
AAA	$575	$98
American Family	$1101	$185
USAA	$1530	$261
Travelers	$1829	$305
Auto-Owners	$2478	$421
Farmers	$3028	$505
Allstate	$3426	$583
State Farm	$5298	$883

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Wadena

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

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

The cheapest car insurance companies after an at-fault accident in Wadena include Westfield and Umialik, offering $214 and $269, respectively. Nationwide is an expensive provider with an average six-month premium of $422.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$214	$36
Umialik	$269	$45
Western National	$294	$49
Iowa Farm Bureau	$331	$57
Auto-Owners Insurance Co	$349	$58
Farmers Union Insurance	$355	$61
AAA	$361	$60
West Bend Mutual	$361	$62
North Star Mutual	$379	$63
North Star Mutual Insurance	$416	$71
Encompass	$453	$75
Auto-Owners	$655	$110
State Farm	$691	$116
Travelers	$728	$123
USAA	$838	$141
American Family	$1016	$171
Allstate	$2215	$373
Farmers	$2380	$405
Nationwide	$422	$70

Wadena Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wadena MN. For example, the car insurance in Wadena 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.

Wadena 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

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 Wadena 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 Wadena.

The cheapest car insurance premiums in Wadena are offered by Umialik at $269 for a six-month policy. However, it can be as expensive as $2410 with companies like Farmers.

Wadena car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$269	$45
West Bend Mutual	$281	$47
Western National	$281	$47
Farmers Union Insurance	$337	$58
Westfield	$379	$63
Iowa Farm Bureau	$495	$84
Country Financial	$526	$88
Auto-Owners Insurance Co	$562	$96
Travelers	$765	$129
State Farm	$814	$137
American Family	$918	$155
Auto-Owners	$1089	$183
USAA	$1107	$186
Allstate	$2282	$384
Farmers	$2410	$402

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 Wadena 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 Wadena after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$177	$30
Iowa Farm Bureau	$281	$47
West Bend Mutual	$281	$47
Western National	$281	$47
Auto-Owners Insurance Co	$294	$49
Farmers Union Insurance	$318	$55
State Farm	$575	$97
American Family	$661	$111
USAA	$783	$131
Auto-Owners	$795	$135
Travelers	$820	$137
Farmers	$2000	$340
Allstate	$2300	$383

Car Insurance Price Trends in Wadena, Minnesota

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

The average cost of full coverage in the Wadena 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 Wadena remained steady at $50 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 Wadena?

The car insurance in Wadena is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Wadena?

The cheapest car insurance in Wadena is $75 per month for full coverage.

How much is car insurance in Wadena 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 Wadena?

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 Wadena.

Is car insurance expensive in Wadena?

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

Cheapest Car Insurance Quotes in Wadena

Why you can trust Way?

How Much Is Car Insurance in Wadena

Avg. Car Insurance in Wadena

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Wadena

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

Wadena Car Insurance Rates by Company

Cheap Car Insurance Companies in Wadena, MN

Way's key takeaways about car insurance in Wadena

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Wadena

Cheapest Liability Coverage in Wadena, MN

Cheapest Full Coverage Car Insurance in Wadena

Cheapest Full Coverage Car Insurance Quotes in Wadena, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Wadena by Rating Factor

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

Car Insurance Premiums by Age in Wadena

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Wadena,MN

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

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 Wadena

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

Wadena Car Insurance Rates by Violation

Wadena auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Wadena after a DUI

Wadena car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Wadena after Speeding ticket

Car Insurance Price Trends in Wadena, Minnesota

Average Car Insurance Cost in Wadena by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Wadena, MN

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

Featured Blogs

Data Sources