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Wirt Car Insurance
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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.
The car insurance rate in Wirt 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 Wirt 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 $558 for a six month policy, Iowa Farm Bureau offers the cheapest auto insurance rates in the city.
AutoOwners Insurance Co offers auto insurance rates at $565 for a six-month policy, making it one of the cheapest to insure with.
Westfield offers auto insurance rates at $565 for six months, making it the third cheapest auto insurance company in Wirt.
Based on our research, the cheapest car insurance company in Wirt, 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 Wirt drivers find the best deals.
| 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 |
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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 Wirt are given below.
Westfield provides the cheapest minimum car insurance coverage in Wirt. Their Average 6 Month Premium is $154. Nationwide is the most expensive at $334 for the same period.
| 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 |
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 Wirt is Iowa Farm Bureau at $95 per month and $558 for six months.
| 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 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Wirt, 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, Wirt's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| 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 |
If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Wirt 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
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.
For those with poor credit scores in Wirt, 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 Wirt 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 |
Save up to $971/yr on car insurance rates in Wirt.
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 Wirt, MN, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Wirt 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 |
Here is a list of driving violations that can increase your car insurance rates in Wirt MN. For example, the car insurance in Wirt 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.
| 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 |
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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.
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 Wirt.
The cheapest car insurance premiums in Wirt are offered by Umialik at $282 for a six-month policy. However, it can be as expensive as $5126 with companies like AAA.
| 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 |
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 Wirt are offered by Westfield at $186. However, it can be as expensive as $3214 with companies like Allstate for a similar six-month premium.
| 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 rates in Wirt have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Wirt 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 Wirt rose to $55 in January, compared to $53 in December. This represents an increase of $2 when comparing January and December.
How much is car insurance in Wirt?
The car insurance in Wirt is $26 per month, which is lower than the national average.
What is the cheapest car insurance in Wirt?
The cheapest car insurance in Wirt is $95 per month for full coverage.
How much is car insurance in Wirt 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 Wirt?
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 Wirt.
Is car insurance expensive in Wirt?
Car insurance can be expensive in Wirt if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Wirt can be affordable.
What is the best car insurance in Wirt, MN?
The best car insurance company in Wirt MN is Iowa Farm Bureau, offering $558 for a six-month policy.
Cut auto insurance costs in Wirt right now.