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Finding the cheapest car insurance quotes in Webster 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.
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 Webster
The car insurance rate in Webster is $811 for a six-month policy, which is $8 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $432, making it a popular choice for budget-conscious drivers. Rates in Webster 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.
At $432 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 $522 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 $528
for six months, making it
the third cheapest auto insurance company in Webster.
Webster Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Webster, MN is AAA, offering policies at just $432 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $522.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1566 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Webster drivers find the best deals.
Way's key takeaways about car insurance in Webster
The auto insurance costs in Webster fall around $432 for six
months.
The cheapest auto insurance company in Webster is Westfield.
Teen drivers pay the highest rate in Webster at $945 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 Webster
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 Webster are given below.
Westfield provides
the cheapest minimum car insurance
coverage in Webster. Their Average 6 Month Premium is $144.
Nationwide is the most
expensive at $312 for the same
period.
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 Webster is AAA
at $74 per month and $432
for six months.
Cheapest Full Coverage Car Insurance Quotes in Webster,
MN
Get Your Car Insurance Quote in Webster
Instantly!
Average Car Insurance in Webster 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 Webster, MN increasing?
Despite maintaining a clean driving record, your car insurance rates
in Webster, 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, Webster's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Webster
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
$672
30s
Farm Bureau Mutual
$480
40s
Farm Bureau Mutual
$475
50s
Farm Bureau Mutual
$399
60s
Farm Bureau Mutual
$409
70s
Farm Bureau Mutual
$480
Cheapest Car Insurance Rates for Teen Drivers in
Webster,MN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Webster at $29
per
month. At $5669 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties Farm Bureau Mutual is
the best choice for car
insurance in Webster.
As young drivers face the highest rates in Webster, Farm Bureau Mutual
offers the cheapest auto insurance rates at $672 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 Webster,
West Bend Mutual is
the cheapest car insurance provider. At $258 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
Webster is State Farm, offering
rates of around $5195 for six
months.
Save up to $971/yr on car insurance rates in Webster.
Car Insurance Rates with An Accident in Webster
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 Webster, MN,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Webster
The cheapest car insurance companies after an at-fault accident in
Webster include Westfield
and Umialik, offering $210
and $264,
respectively. Nationwide is an expensive provider
with an average six-month premium of
$414.
Here is a list of driving violations that can increase your car
insurance rates in Webster MN. For example, the car
insurance in Webster
after a DUI increases to $1104 for a six
month policy. While the rate increases by $227 for a six-month policy in the case of
a speeding ticket.
Webster auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1032
$172
One Med/PIP claim
$1044
$178
Not-at-fault accident
$1062
$177
One comp claim
$1098
$187
Two Med/PIP claims
$1098
$183
Two comp claims
$1146
$195
Failure to wear a seat belt
$1176
$196
Failure to show documents
$1194
$203
Child safety restraint
$1212
$202
Driving without lights
$1212
$206
Driving with expired registration
$1236
$206
Cell phone violation
$1259
$214
Speeding 6 - 10 MPH over limit
$1259
$210
Texting while driving
$1259
$214
Following too closely
$1272
$212
Driving too slowly
$1278
$217
Failure to yield
$1278
$213
Illegal turn
$1278
$217
Speeding in school zone
$1278
$213
Wrong way/wrong lane
$1278
$217
Failure to stop at a red light
$1284
$214
Improper passing
$1284
$218
Speeding 11 - 15 MPH over limit
$1290
$215
Speeding 16 - 20 MPH over limit
$1302
$221
At-fault accident - less than $1000
$1332
$222
Passing school bus
$1332
$226
In 65 MPH zone
$1338
$223
Operating a vehicle without permission
$1344
$228
Speeding 21 - 25 MPH over limit
$1386
$231
At-fault accident - $1000-$2000
$1482
$251
Open container
$1488
$248
At-fault accident - greater than $2000
$1518
$259
Reckless driving
$1859
$310
Racing
$1920
$326
Driving with a suspended license
$2040
$340
Refusal to submit to a chemical test
$2063
$350
DUI
$2136
$356
Leaving scene of an accident/hit and run
$2214
$377
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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 Webster 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 Webster.
The cheapest car insurance premiums in
Webster are
offered by Umialik at $264 for a six-month policy.
However, it can be as
expensive as $2363 with companies
like Farmers.
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 Webster are offered by Westfield
at $174. However,
it can be as expensive as $2255
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Webster after Speeding ticket
Car insurance rates in Webster have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Webster rose by
$179 in December
compared to $178 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 Webster remained steady at $49 in both December and November, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Webster. At $1622 for a
six-month policy, insuring
your car at 55088 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Webster?
The car insurance in Webster is $24 per month, which is lower than the national average.
What is the cheapest car insurance in Webster?
The cheapest car insurance in Webster
is $74 per month
for full coverage.
How much is car insurance in Webster for teenagers?
Car insurance for teenagers costs $174 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
Webster?
The average cost of car insurance is $803 for a six-month
policy. It will cost around $135 per month to insure your
car in Webster.
Is car insurance expensive in Webster?
Car insurance can be expensive in Webster if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Webster can be
affordable.
What is the best car insurance in Webster,
MN?
The best car insurance company in Webster
MN is
AAA, offering $432 for a
six-month policy.
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Car Insurance Rates by State in the USA (2025 Update)
Webster Car Insurance
