Compare Albert Lea, MN Car Insurance Rates (2021)

Car insurance in Albert Lea, MN averages $331 a month. Albert Lea, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Albert Lea car insurance rates, compare quotes from the top car insurance companies in Albert Lea, 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

  • Average car insurance rates in Albert Lea, MN after a DUI are $5,410/year
  • The cheapest car insurance company in Albert Lea for teen drivers is State Farm
  • The cheapest car insurance company in Albert Lea is State Farm

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

You’ll find Albert Lea car insurance rates, the cheapest Albert Lea, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare Albert Lea, Minnesota car insurance rates to St. Cloud car insurance rates, Rochester car insurance rates, and Plymouth car insurance rates.

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

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

How do age, gender, and marital status affect Albert Lea, MN car insurance rates? Every Albert Lea, 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 Albert Lea, 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 $2,676 $2,676 $2,573 $2,573 $6,168 $8,965 $3,258 $3,423
American Family $2,024 $2,024 $1,834 $1,834 $5,456 $7,932 $2,024 $2,288
Farmers $1,609 $1,609 $1,544 $1,647 $4,777 $4,868 $2,122 $2,039
GEICO $2,378 $2,359 $2,274 $2,210 $4,968 $6,308 $2,228 $2,307
Liberty Mutual $8,649 $8,649 $8,564 $8,564 $17,050 $25,601 $8,649 $12,054
Nationwide $1,622 $1,626 $1,450 $1,534 $4,081 $4,940 $1,898 $1,967
State Farm $1,357 $1,357 $1,212 $1,212 $2,962 $3,651 $1,574 $1,296
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 Albert Lea, MN

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

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

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

Annual Car Insurance Rates by Credit Score in Albert Lea, Minnesota

Insurance Company Poor Fair Good
Allstate $5,924 $3,214 $2,979
American Family $4,301 $2,892 $2,337
Farmers $3,145 $2,292 $2,143
GEICO $3,757 $3,071 $2,559
Liberty Mutual $17,039 $11,018 $8,610
Nationwide $2,839 $2,294 $2,037
State Farm $2,664 $1,630 $1,189
USAA $3,917 $1,921 $1,670

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

Annual Albert Lea, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,921 $4,256 $5,138 $3,842
American Family $2,124 $3,892 $4,284 $2,407
Farmers $2,169 $2,719 $2,766 $2,453
GEICO $2,076 $3,301 $4,916 $2,224
Liberty Mutual $8,985 $12,304 $17,909 $9,691
Nationwide $1,906 $2,515 $2,886 $2,251
State Farm $1,678 $1,977 $1,828 $1,828
USAA $1,865 $2,369 $3,557 $2,220

Cheapest Albert Lea, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Albert Lea, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,168 $8,965
American Family $5,456 $7,932
Farmers $4,777 $4,868
GEICO $4,968 $6,308
Liberty Mutual $17,050 $25,601
Nationwide $4,081 $4,940
State Farm $2,962 $3,651
USAA $4,377 $4,780

Cheapest Albert Lea, MN Car Insurance for Seniors

Take a look at Albert Lea, 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 Albert Lea, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,573 $2,573
American Family $1,834 $1,834
Farmers $1,544 $1,647
GEICO $2,274 $2,210
Liberty Mutual $8,564 $8,564
Nationwide $1,450 $1,534
State Farm $1,212 $1,212
USAA $1,526 $1,524

Cheapest Albert Lea, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Albert Lea, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,138
American Family $4,284
Farmers $2,766
GEICO $4,916
Liberty Mutual $17,909
Nationwide $2,886
State Farm $1,828
USAA $3,557

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Cheapest Albert Lea, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Albert Lea, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,039 $4,039
American Family $3,140 $3,214
Farmers $2,527 $2,527
GEICO $3,087 $3,171
Liberty Mutual $11,863 $12,582
Nationwide $2,390 $2,390
State Farm $1,778 $1,877
USAA $2,470 $2,536

The Best Cheap Car Insurance Companies in Albert Lea, MN

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

Average Annual Car Insurance Rates by Company in Albert Lea, Minnesota

Insurance Company Average Annual Rates
Allstate $4,039
American Family $3,177
Farmers $2,527
GEICO $3,129
Liberty Mutual $12,222
Nationwide $2,390
State Farm $1,828
USAA $2,503

Category Winners: Cheapest Car Insurance in Albert Lea, Minnesota

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

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

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

Annual Car Insurance Rates by Coverage Level in Albert Lea, Minnesota

Insurance Company Low Medium High
Allstate $3,986 $4,036 $4,095
American Family $3,170 $3,265 $3,096
Farmers $2,416 $2,541 $2,624
GEICO $3,034 $3,127 $3,226
Liberty Mutual $11,943 $12,230 $12,494
Nationwide $2,259 $2,404 $2,505
State Farm $1,753 $1,834 $1,896
USAA $2,433 $2,500 $2,575

What affects car insurance rates in Albert Lea, Minnesota?

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

Commute Time in Albert Lea

The more time you spend in your car the higher the risk of an accident. The average commute length in Albert Lea, MN is 16.9 minutes according to City-Data.

Compare Car Insurance Quotes in Albert Lea, MN

Ready to find affordable Albert Lea, Minnesota car insurance today? Enter your ZIP code for fast, free Albert Lea, 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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