Best Wadena, MN Car Insurance in 2024
Car insurance in Wadena, MN averages $397 a month. Wadena, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Wadena car insurance rates, compare quotes from the top car insurance companies in Wadena, MN.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Wadena is State Farm
- The cheapest car insurance company in Wadena for teen drivers is State Farm
- Average car insurance rates in Wadena, MN after a DUI are $6,466/year
If you need to buy Wadena, Minnesota car insurance, the options can be confusing. Everything you need to know about car insurance in Wadena, MN is right here.
You’ll find Wadena car insurance rates, the cheapest Wadena, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare Wadena, Minnesota car insurance rates to St. Cloud car insurance rates, Duluth car insurance rates, and Bloomington car insurance rates.
Ready to find affordable Wadena, MN car insurance today? Enter your ZIP code for fast, free Wadena car insurance quotes.
Cheapest Wadena, MN Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Wadena, MN car insurance rates? Every Wadena, Minnesota car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,983 | $2,983 | $2,858 | $2,858 | $6,752 | $9,840 | $3,619 | $3,821 |
| American Family | $2,162 | $2,162 | $1,957 | $1,957 | $5,823 | $8,485 | $2,162 | $2,447 |
| Farmers | $1,906 | $1,902 | $1,841 | $1,931 | $5,201 | $5,215 | $2,479 | $2,437 |
| Geico | $3,083 | $3,062 | $2,956 | $2,873 | $6,249 | $7,971 | $2,893 | $2,971 |
| Liberty Mutual | $10,731 | $10,731 | $10,624 | $10,624 | $21,303 | $32,066 | $10,731 | $15,017 |
| Nationwide | $2,116 | $2,141 | $1,876 | $2,002 | $5,263 | $6,462 | $2,466 | $2,582 |
| State Farm | $1,632 | $1,632 | $1,430 | $1,430 | $3,325 | $4,119 | $1,886 | $1,566 |
| USAA | $1,907 | $1,903 | $1,727 | $1,740 | $4,997 | $5,508 | $2,499 | $2,677 |
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Minimum Car Insurance in Wadena, MN
Every driver must carry the minimum car insurance in Wadena, MN. Take a look at the Minnesota car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
Cheapest Wadena, MN Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Wadena, MN. Compare credit history car insurance rates in Wadena from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,567 | $3,542 | $3,284 |
| American Family | $4,605 | $3,086 | $2,492 |
| Farmers | $3,588 | $2,587 | $2,417 |
| Geico | $4,813 | $3,931 | $3,277 |
| Liberty Mutual | $21,236 | $13,727 | $10,722 |
| Nationwide | $3,709 | $2,982 | $2,649 |
| State Farm | $3,103 | $1,897 | $1,383 |
| USAA | $4,535 | $2,186 | $1,888 |
Cheapest Wadena, MN Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Wadena, MN to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,286 | $4,705 | $5,608 | $4,257 |
| American Family | $2,277 | $4,124 | $4,594 | $2,582 |
| Farmers | $2,452 | $3,086 | $3,120 | $2,798 |
| Geico | $2,641 | $4,226 | $6,333 | $2,829 |
| Liberty Mutual | $11,292 | $15,382 | $22,059 | $12,181 |
| Nationwide | $2,456 | $3,282 | $3,790 | $2,925 |
| State Farm | $1,977 | $2,278 | $2,127 | $2,127 |
| USAA | $2,134 | $2,706 | $4,096 | $2,543 |
Cheapest Wadena, MN Car Insurance for Teen Drivers
Teen car insurance in Wadena, MN can be expensive. Take a look at rates from the top car insurance companies in Wadena for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,752 | $9,840 |
| American Family | $5,823 | $8,485 |
| Farmers | $5,201 | $5,215 |
| Geico | $6,249 | $7,971 |
| Liberty Mutual | $21,303 | $32,066 |
| Nationwide | $5,263 | $6,462 |
| State Farm | $3,325 | $4,119 |
| USAA | $4,997 | $5,508 |
Cheapest Wadena, MN Car Insurance for Seniors
Take a look at Wadena, MN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,858 | $2,858 |
| American Family | $1,957 | $1,957 |
| Farmers | $1,841 | $1,931 |
| Geico | $2,956 | $2,873 |
| Liberty Mutual | $10,624 | $10,624 |
| Nationwide | $1,876 | $2,002 |
| State Farm | $1,430 | $1,430 |
| USAA | $1,727 | $1,740 |
Cheapest Wadena, MN Car Insurance Rates After a DUI
A DUI in Wadena, MN increases car insurance rates. Compare Wadena, Minnesota DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,608 |
| American Family | $4,594 |
| Farmers | $3,120 |
| Geico | $6,333 |
| Liberty Mutual | $22,059 |
| Nationwide | $3,790 |
| State Farm | $2,127 |
| USAA | $4,096 |
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Cheapest Wadena, MN Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Wadena, MN by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,464 | $4,464 |
| American Family | $3,354 | $3,434 |
| Farmers | $2,864 | $2,864 |
| Geico | $3,955 | $4,059 |
| Liberty Mutual | $14,776 | $15,681 |
| Nationwide | $3,113 | $3,113 |
| State Farm | $2,072 | $2,183 |
| USAA | $2,832 | $2,907 |
The Best Cheap Car Insurance Companies in Wadena, MN
Take a look at a side-by-side comparison of the top car insurance companies in Wadena, MN to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,464 |
| American Family | $3,394 |
| Farmers | $2,864 |
| Geico | $4,007 |
| Liberty Mutual | $15,229 |
| Nationwide | $3,113 |
| State Farm | $2,127 |
| USAA | $2,870 |
Category Winners: Cheapest Car Insurance in Wadena, Minnesota
Find the cheapest car insurance companies in Wadena, MN for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | State Farm |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | State Farm |
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Cheapest Wadena, MN Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Wadena car insurance rates. Find the cheapest Wadena, MN car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,403 | $4,460 | $4,530 |
| American Family | $3,393 | $3,489 | $3,301 |
| Farmers | $2,772 | $2,873 | $2,947 |
| Geico | $3,909 | $4,005 | $4,107 |
| Liberty Mutual | $14,906 | $15,239 | $15,541 |
| Nationwide | $2,964 | $3,130 | $3,246 |
| State Farm | $2,054 | $2,134 | $2,195 |
| USAA | $2,793 | $2,867 | $2,949 |
What affects car insurance rates in Wadena, Minnesota?
What factors can have an impact on Wadena, MN car insurance? There are several reasons why Wadena car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Wadena, Minnesota.
Commute Time in Wadena
The more time you spend in your car the higher the risk of an accident. The average commute length in Wadena, MN is 14.3 minutes according to City-Data.
Compare Car Insurance Quotes in Wadena, MN
Ready to find affordable Wadena, Minnesota car insurance today? Enter your ZIP code for fast, free Wadena, MN car insurance quotes.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
Can I get car insurance if my vehicle is financed in Wadena, MN?
If your vehicle is financed, the lender typically requires full coverage insurance, including comprehensive and collision coverage. Check with your lender and insurance company for the appropriate coverage.
How often should I compare car insurance rates in Wadena, MN?
Compare car insurance rates in Wadena, MN periodically, such as annually or when there are significant changes in your circumstances. This ensures you get the best coverage at a competitive price.
Are online car insurance quotes accurate for Wadena, MN?
Online car insurance quotes provide a general idea but final premiums may vary based on additional factors. Contact the insurance company directly for a more accurate quote.
Can I change my car insurance coverage level in Wadena, MN?
Yes, you can adjust your car insurance coverage level in Wadena, MN. Choose between minimum coverage or higher levels based on your needs. Consult your insurance provider for guidance.
Are there discounts available for car insurance in Wadena, MN?
Yes, many insurance companies offer discounts for car insurance in Wadena, MN, such as multi-policy, good driver, good student, and safety feature discounts. Inquire with insurers for available discounts.
How does a DUI affect car insurance rates in Wadena, MN?
A DUI conviction usually leads to significantly higher car insurance rates, with an average of $6,466 per year in Wadena, MN. Rates can vary based on circumstances and the insurer.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.