Compare Buffalo, MN Car Insurance Rates (2021)

Car insurance in Buffalo, MN averages $380 a month. Buffalo, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Buffalo car insurance rates, compare quotes from the top car insurance companies in Buffalo, MN.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

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.

Here's What You Need to Know

  • The cheapest car insurance company in Buffalo for teen drivers is State Farm
  • Average car insurance rates in Buffalo, MN after a DUI are $6,226/year
  • The cheapest car insurance company in Buffalo is State Farm

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

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

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

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

How do age, gender, and marital status affect Buffalo, MN car insurance rates? Every Buffalo, 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 Buffalo, 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 $3,017 $3,017 $2,916 $2,916 $6,867 $9,859 $3,676 $3,836
American Family $2,190 $2,190 $1,986 $1,986 $6,012 $8,695 $2,190 $2,467
Farmers $2,116 $2,116 $2,045 $2,159 $5,951 $6,023 $2,766 $2,707
GEICO $2,791 $2,768 $2,666 $2,591 $5,874 $7,453 $2,614 $2,712
Liberty Mutual $9,742 $9,742 $9,648 $9,648 $19,018 $28,462 $9,742 $13,502
Nationwide $1,896 $1,897 $1,691 $1,789 $4,933 $5,966 $2,236 $2,320
State Farm $1,601 $1,601 $1,440 $1,440 $3,539 $4,308 $1,842 $1,530
USAA $1,903 $1,872 $1,741 $1,730 $5,010 $5,434 $2,465 $2,601

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Buffalo, MN

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

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

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

Annual Car Insurance Rates by Credit Score in Buffalo, Minnesota

Insurance Company Poor Fair Good
Allstate $6,596 $3,598 $3,346
American Family $4,725 $3,141 $2,527
Farmers $4,041 $2,928 $2,737
GEICO $4,422 $3,616 $3,012
Liberty Mutual $19,078 $12,341 $9,645
Nationwide $3,376 $2,729 $2,418
State Farm $3,153 $1,928 $1,407
USAA $4,423 $2,196 $1,915

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

Annual Buffalo, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,238 $4,766 $5,757 $4,292
American Family $2,326 $4,199 $4,696 $2,636
Farmers $2,771 $3,479 $3,534 $3,157
GEICO $2,445 $3,887 $5,782 $2,620
Liberty Mutual $9,933 $13,710 $20,401 $10,708
Nationwide $2,265 $2,991 $3,431 $2,676
State Farm $1,980 $2,345 $2,163 $2,163
USAA $2,118 $2,697 $4,040 $2,523

Cheapest Buffalo, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Buffalo, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,867 $9,859
American Family $6,012 $8,695
Farmers $5,951 $6,023
GEICO $5,874 $7,453
Liberty Mutual $19,018 $28,462
Nationwide $4,933 $5,966
State Farm $3,539 $4,308
USAA $5,010 $5,434

Cheapest Buffalo, MN Car Insurance for Seniors

Take a look at Buffalo, 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 Buffalo, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,916 $2,916
American Family $1,986 $1,986
Farmers $2,045 $2,159
GEICO $2,666 $2,591
Liberty Mutual $9,648 $9,648
Nationwide $1,691 $1,789
State Farm $1,440 $1,440
USAA $1,741 $1,730

Cheapest Buffalo, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Buffalo, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,757
American Family $4,696
Farmers $3,534
GEICO $5,782
Liberty Mutual $20,401
Nationwide $3,431
State Farm $2,163
USAA $4,040

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Buffalo, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Buffalo, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,513 $4,513
American Family $3,424 $3,505
Farmers $3,235 $3,235
GEICO $3,634 $3,733
Liberty Mutual $13,291 $14,085
Nationwide $2,841 $2,841
State Farm $2,102 $2,224
USAA $2,807 $2,882

The Best Cheap Car Insurance Companies in Buffalo, MN

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

Average Annual Car Insurance Rates by Company in Buffalo, Minnesota

Insurance Company Average Annual Rates
Allstate $4,513
American Family $3,464
Farmers $3,235
GEICO $3,683
Liberty Mutual $13,688
Nationwide $2,841
State Farm $2,163
USAA $2,844

Category Winners: Cheapest Car Insurance in Buffalo, Minnesota

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

Best Annual Car Insurance Rates by Company in Buffalo, 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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Buffalo, MN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Buffalo, Minnesota

Insurance Company Low Medium High
Allstate $4,440 $4,510 $4,590
American Family $3,444 $3,557 $3,391
Farmers $3,107 $3,249 $3,349
GEICO $3,563 $3,682 $3,805
Liberty Mutual $13,301 $13,706 $14,057
Nationwide $2,672 $2,864 $2,986
State Farm $2,067 $2,172 $2,249
USAA $2,762 $2,842 $2,929

What affects car insurance rates in Buffalo, Minnesota?

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

Commute Time in Buffalo

The more time you spend in your car the higher the risk of an accident. The average commute length in Buffalo, MN is 28.0 minutes according to City-Data.

Traffic in Buffalo

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Buffalo, MN traffic data from INRIX ranks Buffalo as the 716th-most congested in the world.

Compare Car Insurance Quotes in Buffalo, MN

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption