Compare Wadena, MN Car Insurance Rates (2021)

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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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • 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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Wadena, Minnesota

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.

Minimum Required Car Insurance Coverage in Wadena, Minnesota

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.

Annual Car Insurance Rates by Credit Score in Wadena, Minnesota

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.

Annual Wadena, Minnesota Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates for Teen Drivers in Wadena, Minnesota

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.

Annual Car Insurance Rates for Senior Drivers in Wadena, Minnesota

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.

Annual Car Insurance Rates After a DUI in Wadena, Minnesota

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.

Annual Car Insurance Rates by Commute Length in Wadena, Minnesota

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.

Average Annual Car Insurance Rates by Company in Wadena, Minnesota

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.

Best Annual Car Insurance Rates by Company in Wadena, Minnesota

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.

Annual Car Insurance Rates by Coverage Level in Wadena, Minnesota

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.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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