Compare Adams, MN Car Insurance Rates (2021)

Car insurance in Adams, MN averages $350 a month. Adams, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Adams car insurance rates, compare quotes from the top car insurance companies in Adams, MN.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Adams for teen drivers is State Farm
  • Average car insurance rates in Adams, MN are $4,195/year
  • The cheapest car insurance company in Adams is State Farm

If you need to buy Adams, Minnesota car insurance, the options can be confusing. Everything you need to know about car insurance in Adams, MN is right here.

You’ll find Adams car insurance rates, the cheapest Adams, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare Adams, Minnesota car insurance rates to Duluth car insurance rates, St. Paul car insurance rates, and Minneapolis car insurance rates.

Ready to find affordable Adams, MN car insurance today? Enter your ZIP code for fast, free Adams car insurance quotes.

Cheapest Adams, MN Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Adams, MN car insurance rates? Every Adams, 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 Adams, 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 $2,796 $2,796 $2,687 $2,687 $6,432 $9,353 $3,403 $3,578
American Family $2,051 $2,051 $1,859 $1,859 $5,546 $8,054 $2,051 $2,314
Farmers $1,939 $1,938 $1,862 $1,974 $5,633 $5,704 $2,549 $2,517
GEICO $2,399 $2,380 $2,292 $2,228 $5,029 $6,388 $2,248 $2,327
Liberty Mutual $9,135 $9,135 $9,045 $9,045 $17,956 $26,937 $9,135 $12,711
Nationwide $1,786 $1,791 $1,593 $1,687 $4,515 $5,469 $2,092 $2,170
State Farm $1,422 $1,422 $1,269 $1,269 $3,095 $3,818 $1,652 $1,358
USAA $1,674 $1,657 $1,526 $1,524 $4,377 $4,780 $2,174 $2,308

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Minimum Car Insurance in Adams, MN

Every driver must carry the minimum car insurance in Adams, MN. Take a look at the Minnesota car insurance requirements.

Minimum Required Car Insurance Coverage in Adams, 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 Adams, MN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Adams, MN. Compare credit history car insurance rates in Adams from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Adams, Minnesota

Insurance Company Poor Fair Good
Allstate $6,184 $3,355 $3,111
American Family $4,384 $2,925 $2,360
Farmers $3,746 $2,738 $2,560
GEICO $3,796 $3,103 $2,586
Liberty Mutual $17,968 $11,618 $9,076
Nationwide $3,137 $2,531 $2,246
State Farm $2,789 $1,706 $1,245
USAA $3,917 $1,921 $1,670

Cheapest Adams, 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 Adams, MN to rates for a clean record with top companies.

Annual Adams, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,052 $4,441 $5,363 $4,010
American Family $2,156 $3,942 $4,350 $2,444
Farmers $2,583 $3,248 $3,288 $2,939
GEICO $2,098 $3,336 $4,965 $2,248
Liberty Mutual $9,433 $12,953 $18,990 $10,174
Nationwide $2,097 $2,778 $3,194 $2,483
State Farm $1,757 $2,070 $1,913 $1,913
USAA $1,865 $2,369 $3,557 $2,220

Cheapest Adams, MN Car Insurance for Teen Drivers

Teen car insurance in Adams, MN can be expensive. Take a look at rates from the top car insurance companies in Adams for teenagers.

Annual Car Insurance Rates for Teen Drivers in Adams, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,432 $9,353
American Family $5,546 $8,054
Farmers $5,633 $5,704
GEICO $5,029 $6,388
Liberty Mutual $17,956 $26,937
Nationwide $4,515 $5,469
State Farm $3,095 $3,818
USAA $4,377 $4,780

Cheapest Adams, MN Car Insurance for Seniors

Take a look at Adams, 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 Adams, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,687 $2,687
American Family $1,859 $1,859
Farmers $1,862 $1,974
GEICO $2,292 $2,228
Liberty Mutual $9,045 $9,045
Nationwide $1,593 $1,687
State Farm $1,269 $1,269
USAA $1,526 $1,524

Cheapest Adams, MN Car Insurance Rates After a DUI

A DUI in Adams, MN increases car insurance rates. Compare Adams, Minnesota DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Adams, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,363
American Family $4,350
Farmers $3,288
GEICO $4,965
Liberty Mutual $18,990
Nationwide $3,194
State Farm $1,913
USAA $3,557

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Cheapest Adams, MN Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Adams, MN by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Adams, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,217 $4,217
American Family $3,185 $3,261
Farmers $3,015 $3,015
GEICO $3,120 $3,203
Liberty Mutual $12,510 $13,265
Nationwide $2,638 $2,638
State Farm $1,862 $1,964
USAA $2,470 $2,536

The Best Cheap Car Insurance Companies in Adams, MN

Take a look at a side-by-side comparison of the top car insurance companies in Adams, MN to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Adams, Minnesota

Insurance Company Average Annual Rates
Allstate $4,217
American Family $3,223
Farmers $3,015
GEICO $3,162
Liberty Mutual $12,887
Nationwide $2,638
State Farm $1,913
USAA $2,503

Category Winners: Cheapest Car Insurance in Adams, Minnesota

Find the cheapest car insurance companies in Adams, MN for each category right here.

Best Annual Car Insurance Rates by Company in Adams, 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 Adams, MN Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Adams car insurance rates. Find the cheapest Adams, MN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Adams, Minnesota

Insurance Company Low Medium High
Allstate $4,164 $4,213 $4,273
American Family $3,211 $3,311 $3,147
Farmers $2,907 $3,027 $3,110
GEICO $3,064 $3,160 $3,260
Liberty Mutual $12,579 $12,897 $13,186
Nationwide $2,495 $2,656 $2,763
State Farm $1,839 $1,919 $1,981
USAA $2,433 $2,500 $2,575

What affects car insurance rates in Adams, Minnesota?

What factors can have an impact on Adams, MN car insurance? There are several reasons why Adams car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Adams, Minnesota.

Commute Time in Adams

The more time you spend in your car the higher the risk of an accident. The average commute length in Adams, MN is 21.8 minutes according to City-Data.

Compare Car Insurance Quotes in Adams, MN

Ready to find affordable Adams, Minnesota car insurance today? Enter your ZIP code for fast, free Adams, MN car insurance quotes.

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