Best Prior Lake, MN Car Insurance in 2024
Car insurance in Prior Lake, MN averages $381 a month. Prior Lake, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Prior Lake car insurance rates, compare quotes from the top car insurance companies in Prior Lake, MN.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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
- Average car insurance rates in Prior Lake, MN after a DUI are $6,292/year
- Average car insurance rates in Prior Lake, MN are $4,577/year
- The cheapest car insurance company in Prior Lake is State Farm
If you need to buy Prior Lake, Minnesota car insurance, the options can be confusing. Everything you need to know about car insurance in Prior Lake, MN is right here.
You’ll find Prior Lake car insurance rates, the cheapest Prior Lake, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare Prior Lake, Minnesota car insurance rates to St. Paul car insurance rates, Brooklyn Park car insurance rates, and Rochester car insurance rates.
Ready to find affordable Prior Lake, MN car insurance today? Enter your ZIP code for fast, free Prior Lake car insurance quotes.
Cheapest Prior Lake, MN Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Prior Lake, MN car insurance rates? Every Prior Lake, 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 | $3,262 | $3,262 | $3,144 | $3,144 | $7,511 | $10,882 | $3,966 | $4,168 |
| American Family | $2,258 | $2,258 | $2,055 | $2,055 | $6,255 | $8,935 | $2,258 | $2,524 |
| Farmers | $2,055 | $2,058 | $1,974 | $2,105 | $6,067 | $6,203 | $2,715 | $2,668 |
| Geico | $2,512 | $2,488 | $2,394 | $2,327 | $5,476 | $6,911 | $2,349 | $2,463 |
| Liberty Mutual | $9,743 | $9,743 | $9,651 | $9,651 | $18,787 | $27,995 | $9,743 | $13,408 |
| Nationwide | $2,016 | $2,006 | $1,800 | $1,898 | $5,308 | $6,380 | $2,387 | $2,460 |
| State Farm | $1,568 | $1,568 | $1,409 | $1,409 | $3,489 | $4,280 | $1,812 | $1,494 |
| USAA | $1,832 | $1,793 | $1,683 | $1,657 | $4,999 | $5,405 | $2,370 | $2,485 |
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Minimum Car Insurance in Prior Lake, MN
Every driver must carry the minimum car insurance in Prior Lake, 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 Prior Lake, MN Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Prior Lake, MN. Compare credit history car insurance rates in Prior Lake from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,184 | $3,922 | $3,646 |
| American Family | $4,946 | $3,215 | $2,563 |
| Farmers | $4,003 | $2,939 | $2,749 |
| Geico | $4,038 | $3,305 | $2,752 |
| Liberty Mutual | $18,931 | $12,256 | $9,583 |
| Nationwide | $3,608 | $2,913 | $2,575 |
| State Farm | $3,103 | $1,898 | $1,385 |
| USAA | $4,301 | $2,147 | $1,886 |
Cheapest Prior Lake, 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 Prior Lake, MN to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,497 | $5,186 | $6,331 | $4,655 |
| American Family | $2,407 | $4,317 | $4,849 | $2,726 |
| Farmers | $2,774 | $3,467 | $3,523 | $3,158 |
| Geico | $2,249 | $3,553 | $5,249 | $2,409 |
| Liberty Mutual | $9,716 | $13,533 | $20,639 | $10,472 |
| Nationwide | $2,419 | $3,192 | $3,660 | $2,856 |
| State Farm | $1,948 | $2,309 | $2,129 | $2,129 |
| USAA | $2,062 | $2,643 | $3,955 | $2,452 |
Cheapest Prior Lake, MN Car Insurance for Teen Drivers
Teen car insurance in Prior Lake, MN can be expensive. Take a look at rates from the top car insurance companies in Prior Lake for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,511 | $10,882 |
| American Family | $6,255 | $8,935 |
| Farmers | $6,067 | $6,203 |
| Geico | $5,476 | $6,911 |
| Liberty Mutual | $18,787 | $27,995 |
| Nationwide | $5,308 | $6,380 |
| State Farm | $3,489 | $4,280 |
| USAA | $4,999 | $5,405 |
Cheapest Prior Lake, MN Car Insurance for Seniors
Take a look at Prior Lake, 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 | $3,144 | $3,144 |
| American Family | $2,055 | $2,055 |
| Farmers | $1,974 | $2,105 |
| Geico | $2,394 | $2,327 |
| Liberty Mutual | $9,651 | $9,651 |
| Nationwide | $1,800 | $1,898 |
| State Farm | $1,409 | $1,409 |
| USAA | $1,683 | $1,657 |
Cheapest Prior Lake, MN Car Insurance Rates After a DUI
A DUI in Prior Lake, MN increases car insurance rates. Compare Prior Lake, Minnesota DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,331 |
| American Family | $4,849 |
| Farmers | $3,523 |
| Geico | $5,249 |
| Liberty Mutual | $20,639 |
| Nationwide | $3,660 |
| State Farm | $2,129 |
| USAA | $3,955 |
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Cheapest Prior Lake, MN Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Prior Lake, 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 | $4,917 | $4,917 |
| American Family | $3,533 | $3,616 |
| Farmers | $3,231 | $3,231 |
| Geico | $3,318 | $3,412 |
| Liberty Mutual | $13,203 | $13,977 |
| Nationwide | $3,032 | $3,032 |
| State Farm | $2,069 | $2,188 |
| USAA | $2,742 | $2,814 |
The Best Cheap Car Insurance Companies in Prior Lake, MN
Take a look at a side-by-side comparison of the top car insurance companies in Prior Lake, MN to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,917 |
| American Family | $3,575 |
| Farmers | $3,231 |
| Geico | $3,365 |
| Liberty Mutual | $13,590 |
| Nationwide | $3,032 |
| State Farm | $2,129 |
| USAA | $2,778 |
Category Winners: Cheapest Car Insurance in Prior Lake, Minnesota
Find the cheapest car insurance companies in Prior Lake, 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 Prior Lake, MN Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Prior Lake car insurance rates. Find the cheapest Prior Lake, MN car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,846 | $4,915 | $4,991 |
| American Family | $3,550 | $3,670 | $3,505 |
| Farmers | $3,098 | $3,248 | $3,346 |
| Geico | $3,245 | $3,365 | $3,485 |
| Liberty Mutual | $13,197 | $13,604 | $13,968 |
| Nationwide | $2,851 | $3,059 | $3,186 |
| State Farm | $2,034 | $2,138 | $2,214 |
| USAA | $2,692 | $2,777 | $2,866 |
What affects car insurance rates in Prior Lake, Minnesota?
What factors can have an impact on Prior Lake, MN car insurance? There are several reasons why Prior Lake car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Prior Lake, Minnesota.
Commute Time in Prior Lake
The more time you spend in your car the higher the risk of an accident. The average commute length in Prior Lake, MN is 27.8 minutes according to City-Data.
Compare Car Insurance Quotes in Prior Lake, MN
Ready to find affordable Prior Lake, Minnesota car insurance today? Enter your ZIP code for fast, free Prior Lake, MN car insurance quotes.
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Frequently Asked Questions
What factors determine car insurance rates in Prior Lake, MN?
Car insurance rates in Prior Lake, MN are influenced by several factors, including your age, gender, driving history, the type of vehicle you drive, your credit score, the coverage limits you choose, and the deductibles you select. Other factors such as the local crime rate and the average number of accidents in the area may also play a role.
How can I find the best car insurance rates in Prior Lake, MN?
To find the best car insurance rates in Prior Lake, MN, it is recommended to shop around and compare quotes from multiple insurance companies. You can reach out to different insurers directly or use online comparison tools that allow you to receive quotes from various providers in your area.
Are car insurance rates higher in Prior Lake, MN compared to other cities in Minnesota?
Car insurance rates can vary between cities in Minnesota, and Prior Lake’s rates may differ from those in other cities. Insurance premiums are influenced by various factors, including local demographics, traffic patterns, and crime rates. Therefore, it is important to obtain quotes specific to your location to accurately compare rates.
What are some tips to lower car insurance rates in Prior Lake, MN?
To potentially lower your car insurance rates in Prior Lake, MN, you can consider the following tips:
- Maintain a clean driving record by obeying traffic laws and avoiding accidents.
- Choose a higher deductible if you can afford to pay more out of pocket in the event of a claim.
- Bundle your car insurance with other policies, such as homeowners or renters insurance, for potential discounts.
- Install safety features in your vehicle, such as anti-theft devices or anti-lock brakes.
- Ask your insurance provider about any available discounts, such as those for safe driving, good student grades, or completing defensive driving courses.
Are there any specific car insurance requirements in Prior Lake, MN?
Yes, Prior Lake, MN, like the rest of Minnesota, has specific car insurance requirements. The state law mandates that drivers carry liability insurance with minimum coverage limits of 30/60/10. This means you must have at least $30,000 in bodily injury liability coverage per person, $60,000 in bodily injury liability coverage per accident, and $10,000 in property damage liability coverage. It’s important to comply with these requirements to legally operate a vehicle in Prior Lake, MN.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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.