Compare Ely, MN Car Insurance Rates (2021)

Car insurance in Ely, MN averages $391 a month. Ely, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Ely car insurance rates, compare quotes from the top car insurance companies in Ely, 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 Ely, MN are $4,689/year
  • Average car insurance rates in Ely, MN after a DUI are $6,350/year
  • The cheapest car insurance company in Ely for teen drivers is State Farm

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

You’ll find Ely car insurance rates, the cheapest Ely, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare Ely, Minnesota car insurance rates to Minneapolis car insurance rates, Brooklyn Park car insurance rates, and Bloomington car insurance rates.

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

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

How do age, gender, and marital status affect Ely, MN car insurance rates? Every Ely, 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 Ely, 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 $3,089 $3,089 $2,952 $2,952 $7,026 $10,304 $3,738 $3,968
American Family $2,333 $2,333 $2,107 $2,107 $6,262 $9,190 $2,333 $2,652
Farmers $1,997 $2,001 $1,926 $2,033 $5,801 $5,914 $2,628 $2,695
GEICO $2,981 $2,963 $2,860 $2,780 $5,955 $7,614 $2,800 $2,862
Liberty Mutual $9,857 $9,857 $9,759 $9,759 $19,567 $29,451 $9,857 $13,793
Nationwide $2,065 $2,081 $1,834 $1,951 $5,172 $6,315 $2,412 $2,513
State Farm $1,554 $1,554 $1,370 $1,370 $3,244 $4,030 $1,808 $1,489
USAA $2,077 $2,070 $1,882 $1,891 $5,521 $6,081 $2,726 $2,915

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Minimum Car Insurance in Ely, MN

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

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

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

Annual Car Insurance Rates by Credit Score in Ely, Minnesota

Insurance Company Poor Fair Good
Allstate $6,825 $3,680 $3,413
American Family $4,945 $3,342 $2,707
Farmers $3,846 $2,854 $2,673
GEICO $4,627 $3,778 $3,150
Liberty Mutual $19,497 $12,610 $9,855
Nationwide $3,626 $2,915 $2,588
State Farm $2,992 $1,830 $1,336
USAA $4,981 $2,389 $2,066

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

Annual Ely, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,403 $4,888 $5,856 $4,412
American Family $2,468 $4,412 $4,980 $2,799
Farmers $2,676 $3,352 $3,400 $3,069
GEICO $2,533 $4,061 $6,102 $2,713
Liberty Mutual $10,389 $14,136 $20,218 $11,207
Nationwide $2,403 $3,208 $3,701 $2,859
State Farm $1,898 $2,207 $2,053 $2,053
USAA $2,337 $2,971 $4,488 $2,785

Cheapest Ely, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Ely, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,026 $10,304
American Family $6,262 $9,190
Farmers $5,801 $5,914
GEICO $5,955 $7,614
Liberty Mutual $19,567 $29,451
Nationwide $5,172 $6,315
State Farm $3,244 $4,030
USAA $5,521 $6,081

Cheapest Ely, MN Car Insurance for Seniors

Take a look at Ely, 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 Ely, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,952 $2,952
American Family $2,107 $2,107
Farmers $1,926 $2,033
GEICO $2,860 $2,780
Liberty Mutual $9,759 $9,759
Nationwide $1,834 $1,951
State Farm $1,370 $1,370
USAA $1,882 $1,891

Cheapest Ely, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ely, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,856
American Family $4,980
Farmers $3,400
GEICO $6,102
Liberty Mutual $20,218
Nationwide $3,701
State Farm $2,053
USAA $4,488

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Cheapest Ely, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ely, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,640 $4,640
American Family $3,621 $3,708
Farmers $3,124 $3,124
GEICO $3,803 $3,901
Liberty Mutual $13,572 $14,403
Nationwide $3,043 $3,043
State Farm $2,000 $2,105
USAA $3,104 $3,187

The Best Cheap Car Insurance Companies in Ely, MN

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

Average Annual Car Insurance Rates by Company in Ely, Minnesota

Insurance Company Average Annual Rates
Allstate $4,640
American Family $3,665
Farmers $3,124
GEICO $3,852
Liberty Mutual $13,987
Nationwide $3,043
State Farm $2,053
USAA $3,145

Category Winners: Cheapest Car Insurance in Ely, Minnesota

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

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

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

Annual Car Insurance Rates by Coverage Level in Ely, Minnesota

Insurance Company Low Medium High
Allstate $4,579 $4,637 $4,704
American Family $3,671 $3,768 $3,554
Farmers $3,026 $3,137 $3,210
GEICO $3,762 $3,850 $3,944
Liberty Mutual $13,690 $13,999 $14,273
Nationwide $2,896 $3,060 $3,172
State Farm $1,984 $2,058 $2,116
USAA $3,063 $3,143 $3,230

What affects car insurance rates in Ely, Minnesota?

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

Commute Time in Ely

The more time you spend in your car the higher the risk of an accident. The average commute length in Ely, MN is 21.3 minutes according to City-Data.

Traffic in Ely

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Ely, MN traffic data from INRIX ranks Ely as the 875th-most congested in the world.

Compare Car Insurance Quotes in Ely, MN

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

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