Cheapest Car Insurance Quotes in Watson

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399,755 Policies Sold

Watson Car Insurance

^$ 23

/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 Watson

The car insurance rate in Watson is $755 for a six-month policy, which is $48 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $402, making it a popular choice for budget-conscious drivers. Rates in Watson 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 Watson

$755

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Watson

1st place: AAA

At $402 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 $486 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 $492 for six months, making it the third cheapest auto insurance company in Watson.

Watson Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Watson, MN is AAA, offering policies at just $402 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $486.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1457 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Watson drivers find the best deals.

Cheap Car Insurance Companies in Watson, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$402	$69
Iowa Farm Bureau	$486	$81
Auto-Owners Insurance Co	$492	$84
Westfield	$492	$82
American Family	$598	$101
Travelers	$636	$107
West Bend Mutual	$636	$107
Nationwide	$754	$126
USAA	$765	$129
Auto-Owners	$826	$139
State Farm	$932	$157
West Bend	$938	$156
Allstate	$1156	$195
Farmers	$1457	$243

Key Takeaways

Way's key takeaways about car insurance in Watson

The auto insurance costs in Watson fall around $402 for six months.
The cheapest auto insurance company in Watson is Westfield.
Teen drivers pay the highest rate in Watson at $880 per month.

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Cheapest Minimum Liability Car Insurance in Watson

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 Watson are given below.

Westfield provides the cheapest minimum car insurance coverage in Watson. Their Average 6 Month Premium is $134. Nationwide is the most expensive at $290 for the same period.

Cheapest Liability Coverage in Watson, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$134	$23
West Bend Mutual	$190	$32
AAA	$196	$33
North Star Mutual	$207	$35
North Star Mutual Insurance	$207	$35
USAA	$207	$35
Auto-Owners	$234	$39
Auto-Owners Insurance Co	$234	$39
Iowa Farm Bureau	$234	$39
West Bend	$234	$39
Farmers Union Insurance	$240	$40
Travelers	$257	$43
American Family	$268	$45
State Farm	$268	$45
Western National	$285	$49
Allstate	$463	$78
Farmers	$653	$111
Nationwide	$290	$48

Cheapest Full Coverage Car Insurance in Watson

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 Watson is AAA at $69 per month and $402 for six months.

Cheapest Full Coverage Car Insurance Quotes in Watson, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$402	$69
Iowa Farm Bureau	$486	$81
Auto-Owners Insurance Co	$492	$84
Westfield	$492	$82
American Family	$598	$101
Travelers	$636	$107
West Bend Mutual	$636	$107
Nationwide	$754	$126
USAA	$765	$129
Auto-Owners	$826	$139
State Farm	$932	$157
West Bend	$938	$156
Allstate	$1156	$195
Farmers	$1457	$243

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Average Car Insurance in Watson 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 Watson, MN increasing?

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

Car Insurance Premiums by Age in Watson

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	$625
30s	Farm Bureau Mutual	$447
40s	Farm Bureau Mutual	$442
50s	Farm Bureau Mutual	$371
60s	Farm Bureau Mutual	$381
70s	Farm Bureau Mutual	$447

Cheapest Car Insurance Rates for Teen Drivers in Watson,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Watson at $27 per month. At $5276 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$162	$27
North Star Mutual Insurance	$224	$38
Auto-Owners Insurance Co	$240	$40
AAA	$245	$41
Iowa Farm Bureau	$245	$41
Farmers Union Insurance	$257	$43
Umialik	$319	$55
Travelers	$815	$137
Auto-Owners	$1172	$197
USAA	$1246	$210
American Family	$1508	$254
State Farm	$1810	$305
Allstate	$3032	$510
Farmers	$5276	$880

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 Watson.

As young drivers face the highest rates in Watson, Farm Bureau Mutual offers the cheapest auto insurance rates at $625 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 Watson, West Bend Mutual is the cheapest car insurance provider. At $240 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 Watson is State Farm, offering rates of around $4835 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$240	$40
Westfield	$296	$49
Farmers Union Insurance	$329	$56
Iowa Farm Bureau	$463	$77
AAA	$525	$89
American Family	$1005	$169
USAA	$1396	$238
Travelers	$1669	$278
Auto-Owners	$2262	$384
Farmers	$2764	$461
Allstate	$3126	$532
State Farm	$4835	$806

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Car Insurance Rates with An Accident in Watson

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

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

The cheapest car insurance companies after an at-fault accident in Watson include Westfield and Umialik, offering $196 and $245, respectively. Nationwide is an expensive provider with an average six-month premium of $385.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$196	$33
Umialik	$245	$41
Western National	$268	$45
Iowa Farm Bureau	$302	$52
Auto-Owners Insurance Co	$319	$53
Farmers Union Insurance	$324	$55
AAA	$329	$55
West Bend Mutual	$329	$56
North Star Mutual	$346	$57
North Star Mutual Insurance	$380	$65
Encompass	$414	$69
Auto-Owners	$598	$101
State Farm	$631	$106
Travelers	$665	$112
USAA	$765	$129
American Family	$927	$156
Allstate	$2021	$340
Farmers	$2172	$369
Nationwide	$385	$64

Watson Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Watson MN. For example, the car insurance in Watson after a DUI increases to $1027 for a six month policy. While the rate increases by $211 for a six-month policy in the case of a speeding ticket.

Watson auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$961	$160
One Med/PIP claim	$972	$165
Not-at-fault accident	$988	$165
One comp claim	$1022	$174
Two Med/PIP claims	$1022	$170
Two comp claims	$1067	$181
Failure to wear a seat belt	$1094	$182
Failure to show documents	$1111	$189
Child safety restraint	$1128	$188
Driving without lights	$1128	$192
Driving with expired registration	$1151	$192
Cell phone violation	$1172	$199
Speeding 6 - 10 MPH over limit	$1172	$196
Texting while driving	$1172	$199
Following too closely	$1183	$197
Driving too slowly	$1189	$202
Failure to yield	$1189	$198
Illegal turn	$1189	$202
Speeding in school zone	$1189	$198
Wrong way/wrong lane	$1189	$202
Failure to stop at a red light	$1195	$199
Improper passing	$1195	$203
Speeding 11 - 15 MPH over limit	$1200	$200
Speeding 16 - 20 MPH over limit	$1212	$206
At-fault accident - less than $1000	$1240	$207
Passing school bus	$1240	$211
In 65 MPH zone	$1246	$208
Operating a vehicle without permission	$1251	$212
Speeding 21 - 25 MPH over limit	$1290	$215
At-fault accident - $1000-$2000	$1379	$234
Open container	$1385	$231
At-fault accident - greater than $2000	$1413	$241
Reckless driving	$1731	$289
Racing	$1787	$304
Driving with a suspended license	$1899	$317
Refusal to submit to a chemical test	$1920	$326
DUI	$1988	$331
Leaving scene of an accident/hit and run	$2060	$351

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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 Watson 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 Watson.

The cheapest car insurance premiums in Watson are offered by Umialik at $245 for a six-month policy. However, it can be as expensive as $2200 with companies like Farmers.

Watson car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$245	$41
West Bend Mutual	$257	$43
Western National	$257	$43
Farmers Union Insurance	$307	$53
Westfield	$346	$57
Iowa Farm Bureau	$452	$77
Country Financial	$480	$80
Auto-Owners Insurance Co	$513	$87
Travelers	$698	$118
State Farm	$743	$125
American Family	$838	$141
Auto-Owners	$994	$167
USAA	$1010	$170
Allstate	$2083	$351
Farmers	$2200	$367

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 Watson are offered by Westfield at $162. However, it can be as expensive as $2099 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Watson after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$162	$27
Iowa Farm Bureau	$257	$43
West Bend Mutual	$257	$43
Western National	$257	$43
Auto-Owners Insurance Co	$268	$45
Farmers Union Insurance	$290	$50
State Farm	$525	$88
American Family	$603	$102
USAA	$714	$119
Auto-Owners	$726	$123
Travelers	$748	$125
Farmers	$1825	$310
Allstate	$2099	$350

Car Insurance Price Trends in Watson, Minnesota

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

The average cost of full coverage in the Watson rose by $166 in December compared to $165 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 Watson remained steady at $46 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 Watson?

The car insurance in Watson is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Watson?

The cheapest car insurance in Watson is $69 per month for full coverage.

How much is car insurance in Watson for teenagers?

Car insurance for teenagers costs $162 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 Watson?

The average cost of car insurance is $803 for a six-month policy. It will cost around $126 per month to insure your car in Watson.

Is car insurance expensive in Watson?

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

Cheapest Car Insurance Quotes in Watson

Why you can trust Way?

How Much Is Car Insurance in Watson

Avg. Car Insurance in Watson

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Watson

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

Watson Car Insurance Rates by Company

Cheap Car Insurance Companies in Watson, MN

Way's key takeaways about car insurance in Watson

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Watson

Cheapest Liability Coverage in Watson, MN

Cheapest Full Coverage Car Insurance in Watson

Cheapest Full Coverage Car Insurance Quotes in Watson, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Watson by Rating Factor

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

Car Insurance Premiums by Age in Watson

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Watson,MN

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

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 Watson

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

Watson Car Insurance Rates by Violation

Watson auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Watson after a DUI

Watson car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Watson after Speeding ticket

Car Insurance Price Trends in Watson, Minnesota

Average Car Insurance Cost in Watson by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Watson, MN

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

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