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Get Cheap Car Insurance in Wadena County, MN

We monitor insurance prices, helping the average driver in Wadena County save up to 30.5% on car insurance.

 

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The Cheapest Minimum Coverage in Wadena County

The chart below shows the cheapest car insurance company in Wadena County for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Auto-Owners Insurance, Kemper, and American Family Insurance.

 
Wadena County Insurer Monthly Cost
State Farm $51
Auto-Owners Insurance $56
Kemper $60
American Family Insurance $60

Savings for Every Kind of Wadena County Driver

The table shows how much the average auto insurance customer in Wadena County might save by following our recommendations.

Based on our extensive insurance data, we know the average Wadena County driver will save about 27% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $429 per year by choosing the right vehicle insurance company. Some Wadena County residents are paying out over $1,596 extra every year for auto insurance in Wadena County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Wadena County, MN Savings / Yr.
Drivers with good records
$429
Drivers with accidents
$540
Drivers with speeding tickets
$348
Drivers with a DUI conviction
$706
Young drivers
$1,211
Married drivers
$359
Drivers with bad credit
$943

Wadena County Car Insurance vs. Minnesota

People living in Wadena County pay an average of 0.65% less than the typical driver in the state. The average driver in Wadena County can expect to pay about $826 per year, or $1,596 for full coverage.

Based on our analysis, Farm Bureau will be the cheapest provider in Wadena County for most people.

Car Insurance Prices by Wadena County Neighborhood

Wadena County, MN map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Wadena County?

The map shows insurance prices in and around Wadena County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $86 per year within the county boundaries, with insurance premiums ranging from a high of $1,633 to a low of $1,547. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Southwest parts of Wadena County.

Pick the Best Car Insurance Company for You in Wadena County

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Wadena County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Wadena County

For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $429 over the average Wadena County car insurance company.

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We use the average good driver, paying $97 per month, as our baseline for pricing in Wadena County. State Farm, Travelers, and Farm Bureau are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Wadena County drivers with accidents on their records

In Wadena County getting into an accident will raise premiums an average 32% for a yearly cost of $2,347. That's $751 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Progressive, and Nationwide are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $540 over the competition.

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The best car insurance company for Wadena County drivers with speeding tickets

>Nationwide gave the average person with a speeding ticket the most savings, averaging $348 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Wadena County, tickets raise premiums on new quotes about $331. If you have a speeding ticket, we recommend State Farm, Progressive, and Nationwide for savings that beat the average insurance cost of $1,926 per year.

The best auto insurance for Wadena County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,747 per year in auto insurance premiums, which was $1,151 more than a driver with no major issues. State Farm, Nationwide, and American Family Insurance penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $706 less each year.

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The least expensive car insurance company for new and young drivers in Wadena County

In Wadena County, State Farm costs young drivers $1,211 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 62% more for insurance than more mature drivers in Wadena County. With an average cost of $4,171 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Travelers, and Auto-Owners Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Wadena County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $129. State Farm, Auto-Owners Insurance, and American Family Insurance provided the largest discounts to couples living in Wadena County.

State Farm gave the largest car insurance discounts to married couples, averaging $359 saved each year compared to an average Wadena County couple's premiums.

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The cheapest car insurance in Wadena County for drivers with bad credit

People with poor credit saved an average of $943 with Nationwide.

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Many people are surprised that their poor credit score can cost them an average of $1,492 every year. Premiums for people with poor credit were about $3,088 in Wadena County. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Geico, and Nationwide.

The best Wadena County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Wadena County, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Farmers Insurance as the best provider in Wadena County.

Nationwide was the best company for customer service in Wadena County according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Wadena County, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Wadena County. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Wadena County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 26% of Wadena County residents who are renting, and don't plan to be in the county or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Wadena County driver can expect to pay about $116 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Wadena County, USAA has the best prices for young drivers, drivers with accidents, married couples, good drivers, drivers with speeding tickets, drivers with a DUI conviction, and drivers with bad credit.
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Auto Insurance Prices in and Around Wadena County

What Influences the Cost of Car Insurance in Wadena County?

On average, car insurance in Wadena County is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the county are influenced by the following factors:

  • The average commute time in Wadena County is 26 minutes, which is about the national average for a driver in the state.
  • Minnesota state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Wadena County are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
  • Wadena County has an average population density in the state. The county’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Wadena County is $69 per month for minimum coverage and $133 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Counties

Counties with Similar Populations

* Who is the average Wadena County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Wadena County with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.