Compare Cottage Grove, MN Car Insurance Rates (2021)

Car insurance in Cottage Grove, MN averages $384 a month. Cottage Grove, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Cottage Grove car insurance rates, compare quotes from the top car insurance companies in Cottage Grove, 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 Cottage Grove, MN after a DUI are $6,321/year
  • Average car insurance rates in Cottage Grove, MN are $4,609/year
  • The cheapest car insurance company in Cottage Grove for teen drivers is State Farm

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

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

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

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

How do age, gender, and marital status affect Cottage Grove, MN car insurance rates? Every Cottage Grove, 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 Cottage Grove, 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 $3,413 $3,413 $3,315 $3,315 $7,797 $11,085 $4,183 $4,323
American Family $2,305 $2,305 $2,097 $2,097 $6,424 $9,163 $2,305 $2,576
Farmers $2,034 $2,031 $1,952 $2,073 $5,959 $6,028 $2,673 $2,589
GEICO $2,604 $2,577 $2,479 $2,410 $5,702 $7,188 $2,432 $2,553
Liberty Mutual $9,496 $9,496 $9,407 $9,407 $18,315 $27,293 $9,496 $13,071
Nationwide $2,047 $2,038 $1,828 $1,928 $5,388 $6,477 $2,423 $2,499
State Farm $1,595 $1,595 $1,442 $1,442 $3,622 $4,428 $1,846 $1,519
USAA $1,931 $1,886 $1,776 $1,746 $5,291 $5,709 $2,497 $2,614

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Minimum Car Insurance in Cottage Grove, MN

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

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

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

Annual Car Insurance Rates by Credit Score in Cottage Grove, Minnesota

Insurance Company Poor Fair Good
Allstate $7,461 $4,072 $3,784
American Family $5,080 $3,285 $2,611
Farmers $3,951 $2,870 $2,682
GEICO $4,192 $3,431 $2,857
Liberty Mutual $18,453 $11,947 $9,343
Nationwide $3,664 $2,957 $2,614
State Farm $3,187 $1,949 $1,422
USAA $4,534 $2,267 $1,993

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

Annual Cottage Grove, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,652 $5,395 $6,505 $4,870
American Family $2,463 $4,407 $4,975 $2,791
Farmers $2,713 $3,417 $3,467 $3,072
GEICO $2,340 $3,689 $5,436 $2,507
Liberty Mutual $9,476 $13,194 $20,108 $10,213
Nationwide $2,457 $3,241 $3,715 $2,901
State Farm $1,992 $2,380 $2,186 $2,186
USAA $2,175 $2,789 $4,174 $2,587

Cheapest Cottage Grove, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Cottage Grove, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,797 $11,085
American Family $6,424 $9,163
Farmers $5,959 $6,028
GEICO $5,702 $7,188
Liberty Mutual $18,315 $27,293
Nationwide $5,388 $6,477
State Farm $3,622 $4,428
USAA $5,291 $5,709

Cheapest Cottage Grove, MN Car Insurance for Seniors

Take a look at Cottage Grove, 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 Cottage Grove, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,315 $3,315
American Family $2,097 $2,097
Farmers $1,952 $2,073
GEICO $2,479 $2,410
Liberty Mutual $9,407 $9,407
Nationwide $1,828 $1,928
State Farm $1,442 $1,442
USAA $1,776 $1,746

Cheapest Cottage Grove, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Cottage Grove, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,505
American Family $4,975
Farmers $3,467
GEICO $5,436
Liberty Mutual $20,108
Nationwide $3,715
State Farm $2,186
USAA $4,174

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Cheapest Cottage Grove, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Cottage Grove, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,105 $5,105
American Family $3,616 $3,701
Farmers $3,167 $3,167
GEICO $3,444 $3,542
Liberty Mutual $12,870 $13,625
Nationwide $3,079 $3,079
State Farm $2,125 $2,248
USAA $2,893 $2,969

The Best Cheap Car Insurance Companies in Cottage Grove, MN

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

Average Annual Car Insurance Rates by Company in Cottage Grove, Minnesota

Insurance Company Average Annual Rates
Allstate $5,105
American Family $3,659
Farmers $3,167
GEICO $3,493
Liberty Mutual $13,248
Nationwide $3,079
State Farm $2,186
USAA $2,931

Category Winners: Cheapest Car Insurance in Cottage Grove, Minnesota

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

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

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

Annual Car Insurance Rates by Coverage Level in Cottage Grove, Minnesota

Insurance Company Low Medium High
Allstate $5,026 $5,103 $5,188
American Family $3,636 $3,757 $3,583
Farmers $3,042 $3,182 $3,278
GEICO $3,358 $3,491 $3,631
Liberty Mutual $12,878 $13,261 $13,604
Nationwide $2,889 $3,104 $3,242
State Farm $2,089 $2,196 $2,274
USAA $2,836 $2,929 $3,029

What affects car insurance rates in Cottage Grove, Minnesota?

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

Commute Time in Cottage Grove

The more time you spend in your car the higher the risk of an accident. The average commute length in Cottage Grove, MN is 25.0 minutes according to City-Data.

Compare Car Insurance Quotes in Cottage Grove, MN

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

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

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