Compare Austin, MN Car Insurance Rates (2021)

Car insurance in Austin, MN averages $334 a month. Austin, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Austin car insurance rates, compare quotes from the top car insurance companies in Austin, 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 Austin is State Farm
  • The cheapest car insurance company in Austin for teen drivers is State Farm
  • Average car insurance rates in Austin, MN after a DUI are $5,484/year

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

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

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

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

How do age, gender, and marital status affect Austin, MN car insurance rates? Every Austin, 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 Austin, 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 $2,709 $2,709 $2,607 $2,607 $6,259 $9,103 $3,291 $3,466
American Family $2,051 $2,051 $1,859 $1,859 $5,546 $8,054 $2,051 $2,314
Farmers $1,719 $1,718 $1,654 $1,750 $4,956 $5,019 $2,256 $2,211
GEICO $2,623 $2,603 $2,509 $2,439 $5,447 $6,924 $2,458 $2,541
Liberty Mutual $8,384 $8,384 $8,302 $8,302 $16,397 $24,555 $8,384 $11,632
Nationwide $1,665 $1,670 $1,488 $1,573 $4,351 $5,278 $1,965 $2,045
State Farm $1,366 $1,366 $1,227 $1,227 $3,043 $3,749 $1,589 $1,302
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 Austin, MN

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

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

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

Annual Car Insurance Rates by Credit Score in Austin, Minnesota

Insurance Company Poor Fair Good
Allstate $5,991 $3,262 $3,029
American Family $4,384 $2,925 $2,360
Farmers $3,311 $2,413 $2,257
GEICO $4,134 $3,379 $2,816
Liberty Mutual $16,437 $10,631 $8,309
Nationwide $2,969 $2,409 $2,135
State Farm $2,709 $1,657 $1,209
USAA $3,917 $1,921 $1,670

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

Annual Austin, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,927 $4,318 $5,252 $3,879
American Family $2,156 $3,942 $4,350 $2,444
Farmers $2,281 $2,864 $2,905 $2,592
GEICO $2,281 $3,632 $5,416 $2,443
Liberty Mutual $8,574 $11,823 $17,525 $9,248
Nationwide $2,008 $2,634 $3,012 $2,362
State Farm $1,700 $2,018 $1,859 $1,859
USAA $1,865 $2,369 $3,557 $2,220

Cheapest Austin, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Austin, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,259 $9,103
American Family $5,546 $8,054
Farmers $4,956 $5,019
GEICO $5,447 $6,924
Liberty Mutual $16,397 $24,555
Nationwide $4,351 $5,278
State Farm $3,043 $3,749
USAA $4,377 $4,780

Cheapest Austin, MN Car Insurance for Seniors

Take a look at Austin, 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 Austin, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,607 $2,607
American Family $1,859 $1,859
Farmers $1,654 $1,750
GEICO $2,509 $2,439
Liberty Mutual $8,302 $8,302
Nationwide $1,488 $1,573
State Farm $1,227 $1,227
USAA $1,526 $1,524

Cheapest Austin, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Austin, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,252
American Family $4,350
Farmers $2,905
GEICO $5,416
Liberty Mutual $17,525
Nationwide $3,012
State Farm $1,859
USAA $3,557

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Cheapest Austin, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Austin, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,094 $4,094
American Family $3,185 $3,261
Farmers $2,660 $2,660
GEICO $3,398 $3,488
Liberty Mutual $11,449 $12,135
Nationwide $2,504 $2,504
State Farm $1,808 $1,909
USAA $2,470 $2,536

The Best Cheap Car Insurance Companies in Austin, MN

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

Average Annual Car Insurance Rates by Company in Austin, Minnesota

Insurance Company Average Annual Rates
Allstate $4,094
American Family $3,223
Farmers $2,660
GEICO $3,443
Liberty Mutual $11,792
Nationwide $2,504
State Farm $1,859
USAA $2,503

Category Winners: Cheapest Car Insurance in Austin, Minnesota

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

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

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

Annual Car Insurance Rates by Coverage Level in Austin, Minnesota

Insurance Company Low Medium High
Allstate $4,033 $4,091 $4,158
American Family $3,211 $3,311 $3,147
Farmers $2,562 $2,672 $2,747
GEICO $3,350 $3,442 $3,536
Liberty Mutual $11,506 $11,801 $12,070
Nationwide $2,360 $2,523 $2,630
State Farm $1,783 $1,865 $1,928
USAA $2,433 $2,500 $2,575

What affects car insurance rates in Austin, Minnesota?

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

Commute Time in Austin

The more time you spend in your car the higher the risk of an accident. The average commute length in Austin, MN is 15.1 minutes according to City-Data.

Traffic in Austin

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Austin, MN traffic data from INRIX ranks Austin as the 207th-most congested in the world.

Compare Car Insurance Quotes in Austin, MN

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

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