Compare Harris, MN Car Insurance Rates (2021)

Car insurance in Harris, MN averages $403 a month. Harris, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Harris car insurance rates, compare quotes from the top car insurance companies in Harris, 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 Harris, MN are $4,837/year
  • Average car insurance rates in Harris, MN after a DUI are $6,558/year
  • The cheapest car insurance company in Harris for teen drivers is State Farm

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

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

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

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

How do age, gender, and marital status affect Harris, MN car insurance rates? Every Harris, 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 Harris, 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 $3,213 $3,213 $3,098 $3,098 $7,203 $10,339 $3,912 $4,086
American Family $2,265 $2,265 $2,057 $2,057 $6,268 $8,998 $2,265 $2,541
Farmers $2,213 $2,207 $2,137 $2,247 $6,216 $6,243 $2,882 $2,779
GEICO $2,791 $2,768 $2,666 $2,591 $5,874 $7,453 $2,614 $2,712
Liberty Mutual $10,676 $10,676 $10,570 $10,570 $21,064 $31,639 $10,676 $14,886
Nationwide $2,020 $2,028 $1,796 $1,908 $5,110 $6,199 $2,367 $2,457
State Farm $1,751 $1,751 $1,563 $1,563 $3,788 $4,627 $2,021 $1,676
USAA $1,918 $1,895 $1,750 $1,747 $5,008 $5,455 $2,492 $2,642

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Minimum Car Insurance in Harris, MN

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

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

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

Annual Car Insurance Rates by Credit Score in Harris, Minnesota

Insurance Company Poor Fair Good
Allstate $6,996 $3,791 $3,523
American Family $4,945 $3,237 $2,586
Farmers $4,225 $3,036 $2,835
GEICO $4,422 $3,616 $3,012
Liberty Mutual $21,043 $13,607 $10,634
Nationwide $3,555 $2,862 $2,540
State Farm $3,416 $2,089 $1,523
USAA $4,468 $2,206 $1,917

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

Annual Harris, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,492 $5,037 $5,994 $4,558
American Family $2,414 $4,333 $4,875 $2,736
Farmers $2,877 $3,633 $3,692 $3,260
GEICO $2,445 $3,887 $5,782 $2,620
Liberty Mutual $11,112 $15,203 $22,080 $11,984
Nationwide $2,363 $3,147 $3,626 $2,807
State Farm $2,152 $2,534 $2,343 $2,343
USAA $2,132 $2,708 $4,072 $2,541

Cheapest Harris, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Harris, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,203 $10,339
American Family $6,268 $8,998
Farmers $6,216 $6,243
GEICO $5,874 $7,453
Liberty Mutual $21,064 $31,639
Nationwide $5,110 $6,199
State Farm $3,788 $4,627
USAA $5,008 $5,455

Cheapest Harris, MN Car Insurance for Seniors

Take a look at Harris, 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 Harris, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,098 $3,098
American Family $2,057 $2,057
Farmers $2,137 $2,247
GEICO $2,666 $2,591
Liberty Mutual $10,570 $10,570
Nationwide $1,796 $1,908
State Farm $1,563 $1,563
USAA $1,750 $1,747

Cheapest Harris, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Harris, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,994
American Family $4,875
Farmers $3,692
GEICO $5,782
Liberty Mutual $22,080
Nationwide $3,626
State Farm $2,343
USAA $4,072

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Cheapest Harris, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Harris, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,770 $4,770
American Family $3,548 $3,631
Farmers $3,366 $3,366
GEICO $3,634 $3,733
Liberty Mutual $14,650 $15,539
Nationwide $2,986 $2,986
State Farm $2,278 $2,407
USAA $2,825 $2,901

The Best Cheap Car Insurance Companies in Harris, MN

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

Average Annual Car Insurance Rates by Company in Harris, Minnesota

Insurance Company Average Annual Rates
Allstate $4,770
American Family $3,590
Farmers $3,366
GEICO $3,683
Liberty Mutual $15,095
Nationwide $2,986
State Farm $2,343
USAA $2,863

Category Winners: Cheapest Car Insurance in Harris, Minnesota

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

Best Annual Car Insurance Rates by Company in Harris, Minnesota

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record USAA
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

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Cheapest Harris, MN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Harris, Minnesota

Insurance Company Low Medium High
Allstate $4,693 $4,766 $4,852
American Family $3,569 $3,686 $3,513
Farmers $3,235 $3,380 $3,482
GEICO $3,563 $3,682 $3,805
Liberty Mutual $14,712 $15,112 $15,460
Nationwide $2,822 $3,006 $3,129
State Farm $2,253 $2,351 $2,424
USAA $2,781 $2,861 $2,948

What affects car insurance rates in Harris, Minnesota?

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

Commute Time in Harris

The more time you spend in your car the higher the risk of an accident. The average commute length in Harris, MN is 36.3 minutes according to City-Data.

Traffic in Harris

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Harris, MN traffic data from INRIX ranks Harris as the 361st-most congested in the world.

Compare Car Insurance Quotes in Harris, MN

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

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