Compare Cold Spring, MN Car Insurance Rates (2021)

Car insurance in Cold Spring, MN averages $368 a month. Cold Spring, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Cold Spring car insurance rates, compare quotes from the top car insurance companies in Cold Spring, 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 Cold Spring for teen drivers is State Farm
  • Average car insurance rates in Cold Spring, MN after a DUI are $6,044/year
  • The cheapest car insurance company in Cold Spring is State Farm

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

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

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

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

How do age, gender, and marital status affect Cold Spring, MN car insurance rates? Every Cold Spring, 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 Cold Spring, 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 $3,079 $3,079 $2,960 $2,960 $6,935 $10,015 $3,744 $3,929
American Family $2,341 $2,341 $2,123 $2,123 $6,419 $9,279 $2,341 $2,638
Farmers $2,213 $2,202 $2,132 $2,240 $6,144 $6,129 $2,877 $2,730
GEICO $2,791 $2,768 $2,666 $2,591 $5,874 $7,453 $2,614 $2,712
Liberty Mutual $8,791 $8,791 $8,708 $8,708 $17,054 $25,465 $8,791 $12,140
Nationwide $1,986 $1,996 $1,766 $1,876 $5,038 $6,127 $2,328 $2,421
State Farm $1,539 $1,539 $1,385 $1,385 $3,417 $4,154 $1,770 $1,470
USAA $1,796 $1,758 $1,650 $1,625 $4,901 $5,300 $2,323 $2,437

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Minimum Car Insurance in Cold Spring, MN

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

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

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

Annual Car Insurance Rates by Credit Score in Cold Spring, Minnesota

Insurance Company Poor Fair Good
Allstate $6,734 $3,644 $3,384
American Family $5,075 $3,345 $2,682
Farmers $4,208 $2,996 $2,796
GEICO $4,422 $3,616 $3,012
Liberty Mutual $17,156 $11,093 $8,670
Nationwide $3,501 $2,822 $2,504
State Farm $3,037 $1,857 $1,354
USAA $4,218 $2,105 $1,849

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

Annual Cold Spring, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,355 $4,839 $5,781 $4,376
American Family $2,493 $4,451 $5,033 $2,826
Farmers $2,851 $3,608 $3,655 $3,221
GEICO $2,445 $3,887 $5,782 $2,620
Liberty Mutual $8,841 $12,282 $18,570 $9,532
Nationwide $2,331 $3,100 $3,571 $2,767
State Farm $1,904 $2,260 $2,082 $2,082
USAA $2,021 $2,590 $3,880 $2,404

Cheapest Cold Spring, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Cold Spring, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,935 $10,015
American Family $6,419 $9,279
Farmers $6,144 $6,129
GEICO $5,874 $7,453
Liberty Mutual $17,054 $25,465
Nationwide $5,038 $6,127
State Farm $3,417 $4,154
USAA $4,901 $5,300

Cheapest Cold Spring, MN Car Insurance for Seniors

Take a look at Cold Spring, 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 Cold Spring, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,960 $2,960
American Family $2,123 $2,123
Farmers $2,132 $2,240
GEICO $2,666 $2,591
Liberty Mutual $8,708 $8,708
Nationwide $1,766 $1,876
State Farm $1,385 $1,385
USAA $1,650 $1,625

Cheapest Cold Spring, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Cold Spring, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,781
American Family $5,033
Farmers $3,655
GEICO $5,782
Liberty Mutual $18,570
Nationwide $3,571
State Farm $2,082
USAA $3,880

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Cheapest Cold Spring, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Cold Spring, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,588 $4,588
American Family $3,657 $3,744
Farmers $3,334 $3,334
GEICO $3,634 $3,733
Liberty Mutual $11,953 $12,660
Nationwide $2,942 $2,942
State Farm $2,023 $2,141
USAA $2,688 $2,759

The Best Cheap Car Insurance Companies in Cold Spring, MN

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

Average Annual Car Insurance Rates by Company in Cold Spring, Minnesota

Insurance Company Average Annual Rates
Allstate $4,588
American Family $3,701
Farmers $3,334
GEICO $3,683
Liberty Mutual $12,306
Nationwide $2,942
State Farm $2,082
USAA $2,724

Category Winners: Cheapest Car Insurance in Cold Spring, Minnesota

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

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

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

Annual Car Insurance Rates by Coverage Level in Cold Spring, Minnesota

Insurance Company Low Medium High
Allstate $4,523 $4,585 $4,655
American Family $3,690 $3,803 $3,609
Farmers $3,210 $3,346 $3,444
GEICO $3,563 $3,682 $3,805
Liberty Mutual $11,982 $12,317 $12,619
Nationwide $2,785 $2,962 $3,080
State Farm $1,991 $2,091 $2,165
USAA $2,637 $2,722 $2,813

What affects car insurance rates in Cold Spring, Minnesota?

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

Commute Time in Cold Spring

The more time you spend in your car the higher the risk of an accident. The average commute length in Cold Spring, MN is 20.8 minutes according to City-Data.

Compare Car Insurance Quotes in Cold Spring, MN

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

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