Compare Detroit Lakes, MN Car Insurance Rates (2021)

Car insurance in Detroit Lakes, MN averages $359 a month. Detroit Lakes, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Detroit Lakes car insurance rates, compare quotes from the top car insurance companies in Detroit Lakes, MN.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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® Joel Ohman

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Detroit Lakes is State Farm
  • The cheapest car insurance company in Detroit Lakes for teen drivers is State Farm
  • Average car insurance rates in Detroit Lakes, MN after a DUI are $5,795/year

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

You’ll find Detroit Lakes car insurance rates, the cheapest Detroit Lakes, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare Detroit Lakes, Minnesota car insurance rates to Rochester car insurance rates, Duluth car insurance rates, and St. Cloud car insurance rates.

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

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

How do age, gender, and marital status affect Detroit Lakes, MN car insurance rates? Every Detroit Lakes, 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 Detroit Lakes, 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 $2,881 $2,881 $2,758 $2,758 $6,537 $9,541 $3,495 $3,694
American Family $2,162 $2,162 $1,957 $1,957 $5,823 $8,485 $2,162 $2,447
Farmers $1,842 $1,841 $1,777 $1,876 $5,239 $5,294 $2,408 $2,363
GEICO $2,756 $2,737 $2,639 $2,565 $5,625 $7,173 $2,585 $2,657
Liberty Mutual $9,075 $9,075 $8,983 $8,983 $18,171 $27,432 $9,075 $12,762
Nationwide $1,961 $1,977 $1,743 $1,853 $4,995 $6,103 $2,300 $2,400
State Farm $1,414 $1,414 $1,254 $1,254 $3,021 $3,748 $1,645 $1,351
USAA $1,737 $1,731 $1,576 $1,584 $4,551 $5,008 $2,271 $2,427

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Minimum Car Insurance in Detroit Lakes, MN

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

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

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

Annual Car Insurance Rates by Credit Score in Detroit Lakes, Minnesota

Insurance Company Poor Fair Good
Allstate $6,354 $3,425 $3,175
American Family $4,605 $3,086 $2,492
Farmers $3,530 $2,564 $2,397
GEICO $4,314 $3,524 $2,938
Liberty Mutual $18,046 $11,670 $9,119
Nationwide $3,469 $2,798 $2,483
State Farm $2,752 $1,683 $1,228
USAA $4,118 $1,991 $1,723

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

Annual Detroit Lakes, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,178 $4,549 $5,429 $4,117
American Family $2,277 $4,124 $4,594 $2,582
Farmers $2,422 $3,047 $3,095 $2,755
GEICO $2,372 $3,788 $5,666 $2,541
Liberty Mutual $9,723 $13,139 $18,427 $10,489
Nationwide $2,312 $3,073 $3,538 $2,743
State Farm $1,739 $2,036 $1,888 $1,888
USAA $1,943 $2,465 $3,720 $2,314

Cheapest Detroit Lakes, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Detroit Lakes, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,537 $9,541
American Family $5,823 $8,485
Farmers $5,239 $5,294
GEICO $5,625 $7,173
Liberty Mutual $18,171 $27,432
Nationwide $4,995 $6,103
State Farm $3,021 $3,748
USAA $4,551 $5,008

Cheapest Detroit Lakes, MN Car Insurance for Seniors

Take a look at Detroit Lakes, 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 Detroit Lakes, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,758 $2,758
American Family $1,957 $1,957
Farmers $1,777 $1,876
GEICO $2,639 $2,565
Liberty Mutual $8,983 $8,983
Nationwide $1,743 $1,853
State Farm $1,254 $1,254
USAA $1,576 $1,584

Cheapest Detroit Lakes, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Detroit Lakes, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,429
American Family $4,594
Farmers $3,095
GEICO $5,666
Liberty Mutual $18,427
Nationwide $3,538
State Farm $1,888
USAA $3,720

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Cheapest Detroit Lakes, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Detroit Lakes, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,318 $4,318
American Family $3,354 $3,434
Farmers $2,830 $2,830
GEICO $3,546 $3,638
Liberty Mutual $12,555 $13,334
Nationwide $2,917 $2,917
State Farm $1,838 $1,937
USAA $2,576 $2,645

The Best Cheap Car Insurance Companies in Detroit Lakes, MN

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

Average Annual Car Insurance Rates by Company in Detroit Lakes, Minnesota

Insurance Company Average Annual Rates
Allstate $4,318
American Family $3,394
Farmers $2,830
GEICO $3,592
Liberty Mutual $12,945
Nationwide $2,917
State Farm $1,888
USAA $2,611

Category Winners: Cheapest Car Insurance in Detroit Lakes, Minnesota

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

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

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

Annual Car Insurance Rates by Coverage Level in Detroit Lakes, Minnesota

Insurance Company Low Medium High
Allstate $4,263 $4,315 $4,377
American Family $3,393 $3,489 $3,301
Farmers $2,723 $2,842 $2,925
GEICO $3,497 $3,590 $3,689
Liberty Mutual $12,675 $12,952 $13,207
Nationwide $2,774 $2,935 $3,040
State Farm $1,819 $1,893 $1,951
USAA $2,541 $2,608 $2,683

What affects car insurance rates in Detroit Lakes, Minnesota?

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

Commute Time in Detroit Lakes

The more time you spend in your car the higher the risk of an accident. The average commute length in Detroit Lakes, MN is 15.2 minutes according to City-Data.

Compare Car Insurance Quotes in Detroit Lakes, MN

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

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