Compare Bellingham, MN Car Insurance Rates (2021)

Car insurance in Bellingham, MN averages $340 a month. Bellingham, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Bellingham car insurance rates, compare quotes from the top car insurance companies in Bellingham, 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 Bellingham, MN after a DUI are $5,537/year
  • The cheapest car insurance company in Bellingham for teen drivers is State Farm
  • The cheapest car insurance company in Bellingham is State Farm

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

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

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

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

How do age, gender, and marital status affect Bellingham, MN car insurance rates? Every Bellingham, 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 Bellingham, 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 $2,791 $2,791 $2,686 $2,686 $6,377 $9,224 $3,403 $3,563
American Family $2,039 $2,039 $1,850 $1,850 $5,549 $8,021 $2,039 $2,297
Farmers $1,643 $1,639 $1,582 $1,671 $4,582 $4,610 $2,144 $2,061
GEICO $2,406 $2,389 $2,305 $2,240 $4,914 $6,255 $2,256 $2,323
Liberty Mutual $8,649 $8,649 $8,564 $8,564 $17,050 $25,601 $8,649 $12,054
Nationwide $1,831 $1,842 $1,630 $1,731 $4,560 $5,545 $2,136 $2,221
State Farm $1,445 $1,445 $1,278 $1,278 $3,044 $3,759 $1,673 $1,384
USAA $1,820 $1,811 $1,654 $1,658 $4,819 $5,295 $2,380 $2,539

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Minimum Car Insurance in Bellingham, MN

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

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

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

Annual Car Insurance Rates by Credit Score in Bellingham, Minnesota

Insurance Company Poor Fair Good
Allstate $6,149 $3,333 $3,089
American Family $4,373 $2,912 $2,346
Farmers $3,126 $2,248 $2,100
GEICO $3,766 $3,077 $2,565
Liberty Mutual $17,039 $11,018 $8,610
Nationwide $3,197 $2,576 $2,289
State Farm $2,789 $1,706 $1,244
USAA $4,327 $2,096 $1,817

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

Annual Bellingham, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,052 $4,416 $5,297 $3,997
American Family $2,147 $3,928 $4,333 $2,434
Farmers $2,137 $2,685 $2,719 $2,425
GEICO $2,072 $3,307 $4,945 $2,220
Liberty Mutual $8,985 $12,304 $17,909 $9,691
Nationwide $2,129 $2,831 $3,261 $2,527
State Farm $1,767 $2,060 $1,913 $1,913
USAA $2,042 $2,596 $3,918 $2,431

Cheapest Bellingham, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Bellingham, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,377 $9,224
American Family $5,549 $8,021
Farmers $4,582 $4,610
GEICO $4,914 $6,255
Liberty Mutual $17,050 $25,601
Nationwide $4,560 $5,545
State Farm $3,044 $3,759
USAA $4,819 $5,295

Cheapest Bellingham, MN Car Insurance for Seniors

Take a look at Bellingham, 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 Bellingham, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,686 $2,686
American Family $1,850 $1,850
Farmers $1,582 $1,671
GEICO $2,305 $2,240
Liberty Mutual $8,564 $8,564
Nationwide $1,630 $1,731
State Farm $1,278 $1,278
USAA $1,654 $1,658

Cheapest Bellingham, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Bellingham, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,297
American Family $4,333
Farmers $2,719
GEICO $4,945
Liberty Mutual $17,909
Nationwide $3,261
State Farm $1,913
USAA $3,918

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Cheapest Bellingham, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Bellingham, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,190 $4,190
American Family $3,173 $3,248
Farmers $2,491 $2,491
GEICO $3,095 $3,177
Liberty Mutual $11,863 $12,582
Nationwide $2,687 $2,687
State Farm $1,862 $1,964
USAA $2,711 $2,783

The Best Cheap Car Insurance Companies in Bellingham, MN

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

Average Annual Car Insurance Rates by Company in Bellingham, Minnesota

Insurance Company Average Annual Rates
Allstate $4,190
American Family $3,210
Farmers $2,491
GEICO $3,136
Liberty Mutual $12,222
Nationwide $2,687
State Farm $1,913
USAA $2,747

Category Winners: Cheapest Car Insurance in Bellingham, Minnesota

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

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

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

Annual Car Insurance Rates by Coverage Level in Bellingham, Minnesota

Insurance Company Low Medium High
Allstate $4,135 $4,186 $4,250
American Family $3,196 $3,298 $3,137
Farmers $2,397 $2,501 $2,576
GEICO $3,045 $3,135 $3,228
Liberty Mutual $11,943 $12,230 $12,494
Nationwide $2,546 $2,705 $2,810
State Farm $1,843 $1,919 $1,978
USAA $2,671 $2,745 $2,824

What affects car insurance rates in Bellingham, Minnesota?

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

Commute Time in Bellingham

The more time you spend in your car the higher the risk of an accident. The average commute length in Bellingham, MN is 24.0 minutes according to City-Data.

Compare Car Insurance Quotes in Bellingham, MN

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