Compare Lake Elmo, MN Car Insurance Rates (2021)

Car insurance in Lake Elmo, MN averages $387 a month. Lake Elmo, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Lake Elmo car insurance rates, compare quotes from the top car insurance companies in Lake Elmo, 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 Lake Elmo for teen drivers is State Farm
  • Average car insurance rates in Lake Elmo, MN are $4,640/year
  • Average car insurance rates in Lake Elmo, MN after a DUI are $6,346/year

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

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

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

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

How do age, gender, and marital status affect Lake Elmo, MN car insurance rates? Every Lake Elmo, 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 Lake Elmo, 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 $3,496 $3,496 $3,393 $3,393 $8,014 $11,423 $4,282 $4,432
American Family $2,265 $2,265 $2,057 $2,057 $6,268 $8,998 $2,265 $2,541
Farmers $2,000 $2,003 $1,922 $2,044 $5,794 $5,897 $2,638 $2,609
GEICO $2,538 $2,513 $2,415 $2,348 $5,549 $7,002 $2,371 $2,486
Liberty Mutual $9,496 $9,496 $9,407 $9,407 $18,315 $27,293 $9,496 $13,071
Nationwide $2,200 $2,195 $1,962 $2,073 $5,840 $7,044 $2,609 $2,700
State Farm $1,728 $1,728 $1,561 $1,561 $3,916 $4,798 $1,999 $1,645
USAA $1,860 $1,823 $1,707 $1,682 $5,092 $5,516 $2,411 $2,531

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Minimum Car Insurance in Lake Elmo, MN

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

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

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

Annual Car Insurance Rates by Credit Score in Lake Elmo, Minnesota

Insurance Company Poor Fair Good
Allstate $7,657 $4,182 $3,884
American Family $4,945 $3,237 $2,586
Farmers $3,862 $2,830 $2,648
GEICO $4,083 $3,342 $2,783
Liberty Mutual $18,453 $11,947 $9,343
Nationwide $3,960 $3,197 $2,826
State Farm $3,452 $2,110 $1,539
USAA $4,385 $2,182 $1,915

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

Annual Lake Elmo, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,744 $5,537 $6,688 $4,995
American Family $2,414 $4,333 $4,875 $2,736
Farmers $2,673 $3,344 $3,385 $3,051
GEICO $2,278 $3,594 $5,298 $2,441
Liberty Mutual $9,476 $13,194 $20,108 $10,213
Nationwide $2,653 $3,505 $4,020 $3,134
State Farm $2,160 $2,574 $2,367 $2,367
USAA $2,098 $2,689 $4,030 $2,494

Cheapest Lake Elmo, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lake Elmo, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,014 $11,423
American Family $6,268 $8,998
Farmers $5,794 $5,897
GEICO $5,549 $7,002
Liberty Mutual $18,315 $27,293
Nationwide $5,840 $7,044
State Farm $3,916 $4,798
USAA $5,092 $5,516

Cheapest Lake Elmo, MN Car Insurance for Seniors

Take a look at Lake Elmo, 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 Lake Elmo, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,393 $3,393
American Family $2,057 $2,057
Farmers $1,922 $2,044
GEICO $2,415 $2,348
Liberty Mutual $9,407 $9,407
Nationwide $1,962 $2,073
State Farm $1,561 $1,561
USAA $1,707 $1,682

Cheapest Lake Elmo, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lake Elmo, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,688
American Family $4,875
Farmers $3,385
GEICO $5,298
Liberty Mutual $20,108
Nationwide $4,020
State Farm $2,367
USAA $4,030

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Cheapest Lake Elmo, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lake Elmo, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,241 $5,241
American Family $3,548 $3,631
Farmers $3,113 $3,113
GEICO $3,356 $3,450
Liberty Mutual $12,870 $13,625
Nationwide $3,328 $3,328
State Farm $2,300 $2,434
USAA $2,791 $2,864

The Best Cheap Car Insurance Companies in Lake Elmo, MN

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

Average Annual Car Insurance Rates by Company in Lake Elmo, Minnesota

Insurance Company Average Annual Rates
Allstate $5,241
American Family $3,590
Farmers $3,113
GEICO $3,403
Liberty Mutual $13,248
Nationwide $3,328
State Farm $2,367
USAA $2,828

Category Winners: Cheapest Car Insurance in Lake Elmo, Minnesota

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

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

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

Annual Car Insurance Rates by Coverage Level in Lake Elmo, Minnesota

Insurance Company Low Medium High
Allstate $5,159 $5,237 $5,327
American Family $3,569 $3,686 $3,513
Farmers $2,998 $3,127 $3,215
GEICO $3,271 $3,402 $3,536
Liberty Mutual $12,878 $13,261 $13,604
Nationwide $3,122 $3,358 $3,504
State Farm $2,257 $2,379 $2,466
USAA $2,741 $2,826 $2,916

What affects car insurance rates in Lake Elmo, Minnesota?

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

Commute Time in Lake Elmo

The more time you spend in your car the higher the risk of an accident. The average commute length in Lake Elmo, MN is 25.7 minutes according to City-Data.

Compare Car Insurance Quotes in Lake Elmo, MN

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

Free Car Insurance Comparison

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

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