Cheapest Car Insurance Quotes in Willmar

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Willmar 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 Willmar

The car insurance rate in Willmar is $771 for a six-month policy, which is $32 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $411, making it a popular choice for budget-conscious drivers. Rates in Willmar 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 Willmar

$771

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Willmar

1st place: AAA

At $411 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 $496 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 $502 for six months, making it the third cheapest auto insurance company in Willmar.

Willmar Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Willmar, MN is AAA, offering policies at just $411 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $496.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1488 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Willmar drivers find the best deals.

Cheap Car Insurance Companies in Willmar, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$411	$70
Iowa Farm Bureau	$496	$83
Auto-Owners Insurance Co	$502	$85
Westfield	$502	$84
American Family	$611	$103
Travelers	$650	$109
West Bend Mutual	$650	$109
Nationwide	$770	$129
USAA	$781	$132
Auto-Owners	$844	$142
State Farm	$952	$160
West Bend	$958	$159
Allstate	$1181	$199
Farmers	$1488	$248

Key Takeaways

Way's key takeaways about car insurance in Willmar

The auto insurance costs in Willmar fall around $411 for six months.
The cheapest auto insurance company in Willmar is Westfield.
Teen drivers pay the highest rate in Willmar at $899 per month.

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Cheapest Minimum Liability Car Insurance in Willmar

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 Willmar are given below.

Westfield provides the cheapest minimum car insurance coverage in Willmar. Their Average 6 Month Premium is $137. Nationwide is the most expensive at $297 for the same period.

Cheapest Liability Coverage in Willmar, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$137	$23
West Bend Mutual	$194	$33
AAA	$200	$34
North Star Mutual	$211	$36
North Star Mutual Insurance	$211	$36
USAA	$211	$36
Auto-Owners	$239	$40
Auto-Owners Insurance Co	$239	$40
Iowa Farm Bureau	$239	$40
West Bend	$239	$40
Farmers Union Insurance	$245	$41
Travelers	$262	$44
American Family	$274	$46
State Farm	$274	$46
Western National	$291	$50
Allstate	$473	$80
Farmers	$667	$113
Nationwide	$297	$49

Cheapest Full Coverage Car Insurance in Willmar

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 Willmar is AAA at $70 per month and $411 for six months.

Cheapest Full Coverage Car Insurance Quotes in Willmar, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$411	$70
Iowa Farm Bureau	$496	$83
Auto-Owners Insurance Co	$502	$85
Westfield	$502	$84
American Family	$611	$103
Travelers	$650	$109
West Bend Mutual	$650	$109
Nationwide	$770	$129
USAA	$781	$132
Auto-Owners	$844	$142
State Farm	$952	$160
West Bend	$958	$159
Allstate	$1181	$199
Farmers	$1488	$248

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Average Car Insurance in Willmar 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 Willmar, MN increasing?

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

Car Insurance Premiums by Age in Willmar

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	$638
30s	Farm Bureau Mutual	$456
40s	Farm Bureau Mutual	$451
50s	Farm Bureau Mutual	$379
60s	Farm Bureau Mutual	$389
70s	Farm Bureau Mutual	$456

Cheapest Car Insurance Rates for Teen Drivers in Willmar,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Willmar at $28 per month. At $5388 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$165	$28
North Star Mutual Insurance	$228	$38
Auto-Owners Insurance Co	$245	$41
AAA	$251	$42
Iowa Farm Bureau	$251	$42
Farmers Union Insurance	$262	$44
Umialik	$325	$56
Travelers	$832	$140
Auto-Owners	$1197	$202
USAA	$1272	$214
American Family	$1540	$259
State Farm	$1848	$311
Allstate	$3096	$521
Farmers	$5388	$899

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 Willmar.

As young drivers face the highest rates in Willmar, Farm Bureau Mutual offers the cheapest auto insurance rates at $638 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 Willmar, West Bend Mutual is the cheapest car insurance provider. At $245 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 Willmar is State Farm, offering rates of around $4938 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$245	$41
Westfield	$302	$50
Farmers Union Insurance	$336	$58
Iowa Farm Bureau	$473	$79
AAA	$536	$91
American Family	$1026	$173
USAA	$1426	$243
Travelers	$1705	$284
Auto-Owners	$2310	$393
Farmers	$2822	$470
Allstate	$3193	$543
State Farm	$4938	$823

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

Car Insurance Rates with An Accident in Willmar

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

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

The cheapest car insurance companies after an at-fault accident in Willmar include Westfield and Umialik, offering $200 and $251, respectively. Nationwide is an expensive provider with an average six-month premium of $394.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$200	$34
Umialik	$251	$42
Western National	$274	$46
Iowa Farm Bureau	$308	$53
Auto-Owners Insurance Co	$325	$54
Farmers Union Insurance	$331	$57
AAA	$336	$56
West Bend Mutual	$336	$58
North Star Mutual	$353	$59
North Star Mutual Insurance	$388	$66
Encompass	$422	$70
Auto-Owners	$611	$103
State Farm	$644	$108
Travelers	$679	$114
USAA	$781	$132
American Family	$947	$159
Allstate	$2064	$348
Farmers	$2219	$377
Nationwide	$394	$65

Willmar Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Willmar MN. For example, the car insurance in Willmar after a DUI increases to $1049 for a six month policy. While the rate increases by $216 for a six-month policy in the case of a speeding ticket.

Willmar auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$981	$163
One Med/PIP claim	$993	$169
Not-at-fault accident	$1009	$168
One comp claim	$1044	$178
Two Med/PIP claims	$1044	$174
Two comp claims	$1090	$185
Failure to wear a seat belt	$1117	$186
Failure to show documents	$1135	$193
Child safety restraint	$1152	$192
Driving without lights	$1152	$196
Driving with expired registration	$1175	$196
Cell phone violation	$1197	$204
Speeding 6 - 10 MPH over limit	$1197	$200
Texting while driving	$1197	$204
Following too closely	$1209	$202
Driving too slowly	$1214	$206
Failure to yield	$1214	$203
Illegal turn	$1214	$206
Speeding in school zone	$1214	$203
Wrong way/wrong lane	$1214	$206
Failure to stop at a red light	$1220	$204
Improper passing	$1220	$207
Speeding 11 - 15 MPH over limit	$1226	$204
Speeding 16 - 20 MPH over limit	$1237	$210
At-fault accident - less than $1000	$1266	$211
Passing school bus	$1266	$215
In 65 MPH zone	$1272	$212
Operating a vehicle without permission	$1278	$217
Speeding 21 - 25 MPH over limit	$1317	$220
At-fault accident - $1000-$2000	$1408	$239
Open container	$1414	$236
At-fault accident - greater than $2000	$1443	$246
Reckless driving	$1767	$295
Racing	$1825	$310
Driving with a suspended license	$1939	$324
Refusal to submit to a chemical test	$1961	$333
DUI	$2030	$338
Leaving scene of an accident/hit and run	$2104	$358

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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 Willmar 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 Willmar.

The cheapest car insurance premiums in Willmar are offered by Umialik at $251 for a six-month policy. However, it can be as expensive as $2246 with companies like Farmers.

Willmar car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$251	$42
West Bend Mutual	$262	$44
Western National	$262	$44
Farmers Union Insurance	$314	$54
Westfield	$353	$59
Iowa Farm Bureau	$462	$79
Country Financial	$491	$82
Auto-Owners Insurance Co	$524	$89
Travelers	$713	$120
State Farm	$758	$128
American Family	$855	$144
Auto-Owners	$1015	$171
USAA	$1032	$174
Allstate	$2127	$358
Farmers	$2246	$374

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 Willmar are offered by Westfield at $165. However, it can be as expensive as $2144 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Willmar after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$165	$28
Iowa Farm Bureau	$262	$44
West Bend Mutual	$262	$44
Western National	$262	$44
Auto-Owners Insurance Co	$274	$46
Farmers Union Insurance	$297	$51
State Farm	$536	$90
American Family	$616	$104
USAA	$730	$122
Auto-Owners	$741	$126
Travelers	$764	$128
Farmers	$1864	$317
Allstate	$2144	$357

Car Insurance Price Trends in Willmar, Minnesota

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

The average cost of full coverage in the Willmar rose by $170 in December compared to $169 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 Willmar remained steady at $47 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 Willmar?

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

What is the cheapest car insurance in Willmar?

The cheapest car insurance in Willmar is $70 per month for full coverage.

How much is car insurance in Willmar for teenagers?

Car insurance for teenagers costs $165 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 Willmar?

The average cost of car insurance is $803 for a six-month policy. It will cost around $129 per month to insure your car in Willmar.

Is car insurance expensive in Willmar?

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

Cheapest Car Insurance Quotes in Willmar

Why you can trust Way?

How Much Is Car Insurance in Willmar

Avg. Car Insurance in Willmar

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Willmar

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

Willmar Car Insurance Rates by Company

Cheap Car Insurance Companies in Willmar, MN

Way's key takeaways about car insurance in Willmar

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Willmar

Cheapest Liability Coverage in Willmar, MN

Cheapest Full Coverage Car Insurance in Willmar

Cheapest Full Coverage Car Insurance Quotes in Willmar, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Willmar by Rating Factor

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

Car Insurance Premiums by Age in Willmar

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Willmar,MN

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

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 Willmar

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

Willmar Car Insurance Rates by Violation

Willmar auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Willmar after a DUI

Willmar car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Willmar after Speeding ticket

Car Insurance Price Trends in Willmar, Minnesota

Average Car Insurance Cost in Willmar by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Willmar, MN

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

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