Compare Cosmos, MN Car Insurance Rates (2021)

Car insurance in Cosmos, MN averages $351 a month. Cosmos, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Cosmos car insurance rates, compare quotes from the top car insurance companies in Cosmos, 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 Cosmos is State Farm
  • Average car insurance rates in Cosmos, MN after a DUI are $5,718/year
  • The cheapest car insurance company in Cosmos for teen drivers is State Farm

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

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

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

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

How do age, gender, and marital status affect Cosmos, MN car insurance rates? Every Cosmos, 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 Cosmos, 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 $2,876 $2,876 $2,769 $2,769 $6,557 $9,480 $3,502 $3,671
American Family $2,231 $2,231 $2,020 $2,020 $6,033 $8,778 $2,231 $2,522
Farmers $1,883 $1,876 $1,815 $1,909 $5,227 $5,220 $2,446 $2,347
GEICO $2,406 $2,389 $2,305 $2,240 $4,914 $6,255 $2,256 $2,323
Liberty Mutual $8,952 $8,952 $8,863 $8,863 $17,660 $26,524 $8,952 $12,481
Nationwide $1,778 $1,785 $1,585 $1,681 $4,521 $5,487 $2,085 $2,167
State Farm $1,381 $1,381 $1,227 $1,227 $2,938 $3,609 $1,593 $1,322
USAA $1,825 $1,804 $1,667 $1,662 $4,833 $5,268 $2,373 $2,515

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Minimum Car Insurance in Cosmos, MN

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

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

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

Annual Car Insurance Rates by Credit Score in Cosmos, Minnesota

Insurance Company Poor Fair Good
Allstate $6,325 $3,430 $3,183
American Family $4,775 $3,184 $2,565
Farmers $3,576 $2,557 $2,387
GEICO $3,766 $3,077 $2,565
Liberty Mutual $17,646 $11,407 $8,915
Nationwide $3,133 $2,530 $2,246
State Farm $2,674 $1,636 $1,194
USAA $4,270 $2,116 $1,844

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

Annual Cosmos, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,127 $4,548 $5,466 $4,107
American Family $2,357 $4,245 $4,757 $2,673
Farmers $2,428 $3,072 $3,113 $2,749
GEICO $2,072 $3,307 $4,945 $2,220
Liberty Mutual $9,312 $12,745 $18,523 $10,043
Nationwide $2,098 $2,776 $3,189 $2,482
State Farm $1,691 $1,978 $1,835 $1,835
USAA $2,038 $2,594 $3,916 $2,426

Cheapest Cosmos, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Cosmos, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,557 $9,480
American Family $6,033 $8,778
Farmers $5,227 $5,220
GEICO $4,914 $6,255
Liberty Mutual $17,660 $26,524
Nationwide $4,521 $5,487
State Farm $2,938 $3,609
USAA $4,833 $5,268

Cheapest Cosmos, MN Car Insurance for Seniors

Take a look at Cosmos, 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 Cosmos, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,769 $2,769
American Family $2,020 $2,020
Farmers $1,815 $1,909
GEICO $2,305 $2,240
Liberty Mutual $8,863 $8,863
Nationwide $1,585 $1,681
State Farm $1,227 $1,227
USAA $1,667 $1,662

Cheapest Cosmos, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Cosmos, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,466
American Family $4,757
Farmers $3,113
GEICO $4,945
Liberty Mutual $18,523
Nationwide $3,189
State Farm $1,835
USAA $3,916

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Cheapest Cosmos, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Cosmos, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,312 $4,312
American Family $3,467 $3,549
Farmers $2,840 $2,840
GEICO $3,095 $3,177
Liberty Mutual $12,283 $13,028
Nationwide $2,636 $2,636
State Farm $1,785 $1,884
USAA $2,707 $2,779

The Best Cheap Car Insurance Companies in Cosmos, MN

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

Average Annual Car Insurance Rates by Company in Cosmos, Minnesota

Insurance Company Average Annual Rates
Allstate $4,312
American Family $3,508
Farmers $2,840
GEICO $3,136
Liberty Mutual $12,656
Nationwide $2,636
State Farm $1,835
USAA $2,743

Category Winners: Cheapest Car Insurance in Cosmos, Minnesota

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

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

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

Annual Car Insurance Rates by Coverage Level in Cosmos, Minnesota

Insurance Company Low Medium High
Allstate $4,251 $4,309 $4,376
American Family $3,505 $3,606 $3,413
Farmers $2,735 $2,850 $2,936
GEICO $3,045 $3,135 $3,228
Liberty Mutual $12,350 $12,666 $12,951
Nationwide $2,492 $2,654 $2,763
State Farm $1,762 $1,841 $1,901
USAA $2,658 $2,742 $2,830

What affects car insurance rates in Cosmos, Minnesota?

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

Commute Time in Cosmos

The more time you spend in your car the higher the risk of an accident. The average commute length in Cosmos, MN is 33.3 minutes according to City-Data.

Compare Car Insurance Quotes in Cosmos, MN

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

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