Compare Cologne, MN Car Insurance Rates (2021)

Car insurance in Cologne, MN averages $374 a month. Cologne, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Cologne car insurance rates, compare quotes from the top car insurance companies in Cologne, 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 Cologne for teen drivers is State Farm
  • Average car insurance rates in Cologne, MN are $4,489/year
  • The cheapest car insurance company in Cologne is State Farm

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

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

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

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

How do age, gender, and marital status affect Cologne, MN car insurance rates? Every Cologne, 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 Cologne, 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 $2,896 $2,896 $2,780 $2,780 $6,618 $9,643 $3,510 $3,709
American Family $2,245 $2,245 $2,032 $2,032 $6,077 $8,850 $2,245 $2,540
Farmers $2,057 $2,053 $1,977 $2,092 $5,931 $5,978 $2,694 $2,624
GEICO $2,512 $2,488 $2,394 $2,327 $5,476 $6,911 $2,349 $2,463
Liberty Mutual $9,803 $9,803 $9,708 $9,708 $19,133 $28,631 $9,803 $13,584
Nationwide $2,003 $1,996 $1,788 $1,888 $5,232 $6,293 $2,366 $2,443
State Farm $1,510 $1,510 $1,361 $1,361 $3,381 $4,141 $1,745 $1,439
USAA $1,754 $1,719 $1,611 $1,587 $4,751 $5,141 $2,268 $2,380

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Minimum Car Insurance in Cologne, MN

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

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

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

Annual Car Insurance Rates by Credit Score in Cologne, Minnesota

Insurance Company Poor Fair Good
Allstate $6,377 $3,465 $3,220
American Family $4,802 $3,209 $2,589
Farmers $3,966 $2,875 $2,686
GEICO $4,038 $3,305 $2,752
Liberty Mutual $19,196 $12,415 $9,704
Nationwide $3,571 $2,882 $2,551
State Farm $2,997 $1,833 $1,338
USAA $4,108 $2,049 $1,798

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

Annual Cologne, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,139 $4,589 $5,560 $4,128
American Family $2,375 $4,272 $4,793 $2,693
Farmers $2,717 $3,429 $3,476 $3,082
GEICO $2,249 $3,553 $5,249 $2,409
Liberty Mutual $9,988 $13,792 $20,536 $10,770
Nationwide $2,392 $3,160 $3,626 $2,827
State Farm $1,880 $2,233 $2,056 $2,056
USAA $1,970 $2,522 $3,771 $2,343

Cheapest Cologne, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Cologne, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,618 $9,643
American Family $6,077 $8,850
Farmers $5,931 $5,978
GEICO $5,476 $6,911
Liberty Mutual $19,133 $28,631
Nationwide $5,232 $6,293
State Farm $3,381 $4,141
USAA $4,751 $5,141

Cheapest Cologne, MN Car Insurance for Seniors

Take a look at Cologne, 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 Cologne, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,780 $2,780
American Family $2,032 $2,032
Farmers $1,977 $2,092
GEICO $2,394 $2,327
Liberty Mutual $9,708 $9,708
Nationwide $1,788 $1,888
State Farm $1,361 $1,361
USAA $1,611 $1,587

Cheapest Cologne, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Cologne, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,560
American Family $4,793
Farmers $3,476
GEICO $5,249
Liberty Mutual $20,536
Nationwide $3,626
State Farm $2,056
USAA $3,771

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Cheapest Cologne, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Cologne, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,354 $4,354
American Family $3,492 $3,575
Farmers $3,176 $3,176
GEICO $3,318 $3,412
Liberty Mutual $13,372 $14,171
Nationwide $3,001 $3,001
State Farm $1,999 $2,114
USAA $2,617 $2,686

The Best Cheap Car Insurance Companies in Cologne, MN

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

Average Annual Car Insurance Rates by Company in Cologne, Minnesota

Insurance Company Average Annual Rates
Allstate $4,354
American Family $3,533
Farmers $3,176
GEICO $3,365
Liberty Mutual $13,772
Nationwide $3,001
State Farm $2,056
USAA $2,651

Category Winners: Cheapest Car Insurance in Cologne, Minnesota

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

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

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

Annual Car Insurance Rates by Coverage Level in Cologne, Minnesota

Insurance Company Low Medium High
Allstate $4,292 $4,351 $4,419
American Family $3,529 $3,632 $3,439
Farmers $3,056 $3,189 $3,283
GEICO $3,245 $3,365 $3,485
Liberty Mutual $13,398 $13,788 $14,129
Nationwide $2,814 $3,027 $3,162
State Farm $1,961 $2,065 $2,142
USAA $2,571 $2,650 $2,733

What affects car insurance rates in Cologne, Minnesota?

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

Commute Time in Cologne

The more time you spend in your car the higher the risk of an accident. The average commute length in Cologne, MN is 27.3 minutes according to City-Data.

Traffic in Cologne

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Cologne, MN traffic data from INRIX ranks Cologne as the 159th-most congested in the world.

Compare Car Insurance Quotes in Cologne, MN

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

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