Compare Melrose, MN Car Insurance Rates (2021)

Car insurance in Melrose, MN averages $365 a month. Melrose, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Melrose car insurance rates, compare quotes from the top car insurance companies in Melrose, 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 Melrose is State Farm
  • Average car insurance rates in Melrose, MN are $4,378/year
  • The cheapest car insurance company in Melrose for teen drivers is State Farm

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

You’ll find Melrose car insurance rates, the cheapest Melrose, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare Melrose, Minnesota car insurance rates to St. Cloud car insurance rates, Plymouth car insurance rates, and St. Paul car insurance rates.

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

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

How do age, gender, and marital status affect Melrose, MN car insurance rates? Every Melrose, 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 Melrose, 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 $3,017 $3,017 $2,899 $2,899 $6,802 $9,842 $3,666 $3,852
American Family $2,204 $2,204 $1,996 $1,996 $5,961 $8,669 $2,204 $2,492
Farmers $1,989 $1,986 $1,921 $2,020 $5,515 $5,532 $2,590 $2,540
GEICO $2,791 $2,768 $2,666 $2,591 $5,874 $7,453 $2,614 $2,712
Liberty Mutual $8,952 $8,952 $8,863 $8,863 $17,660 $26,524 $8,952 $12,481
Nationwide $1,986 $1,996 $1,766 $1,876 $5,038 $6,127 $2,328 $2,421
State Farm $1,435 $1,435 $1,280 $1,280 $3,123 $3,848 $1,664 $1,370
USAA $1,896 $1,873 $1,730 $1,726 $4,968 $5,411 $2,463 $2,611

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Minimum Car Insurance in Melrose, MN

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

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

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

Annual Car Insurance Rates by Credit Score in Melrose, Minnesota

Insurance Company Poor Fair Good
Allstate $6,608 $3,572 $3,317
American Family $4,715 $3,146 $2,536
Farmers $3,772 $2,721 $2,542
GEICO $4,422 $3,616 $3,012
Liberty Mutual $17,646 $11,407 $8,915
Nationwide $3,501 $2,822 $2,504
State Farm $2,813 $1,720 $1,255
USAA $4,423 $2,183 $1,898

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

Annual Melrose, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,297 $4,746 $5,661 $4,292
American Family $2,327 $4,200 $4,697 $2,639
Farmers $2,576 $3,249 $3,290 $2,933
GEICO $2,445 $3,887 $5,782 $2,620
Liberty Mutual $9,312 $12,745 $18,523 $10,043
Nationwide $2,331 $3,100 $3,571 $2,767
State Farm $1,772 $2,087 $1,929 $1,929
USAA $2,110 $2,682 $4,033 $2,514

Cheapest Melrose, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Melrose, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,802 $9,842
American Family $5,961 $8,669
Farmers $5,515 $5,532
GEICO $5,874 $7,453
Liberty Mutual $17,660 $26,524
Nationwide $5,038 $6,127
State Farm $3,123 $3,848
USAA $4,968 $5,411

Cheapest Melrose, MN Car Insurance for Seniors

Take a look at Melrose, 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 Melrose, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,899 $2,899
American Family $1,996 $1,996
Farmers $1,921 $2,020
GEICO $2,666 $2,591
Liberty Mutual $8,863 $8,863
Nationwide $1,766 $1,876
State Farm $1,280 $1,280
USAA $1,730 $1,726

Cheapest Melrose, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Melrose, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,661
American Family $4,697
Farmers $3,290
GEICO $5,782
Liberty Mutual $18,523
Nationwide $3,571
State Farm $1,929
USAA $4,033

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Cheapest Melrose, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Melrose, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,499 $4,499
American Family $3,425 $3,506
Farmers $3,012 $3,012
GEICO $3,634 $3,733
Liberty Mutual $12,283 $13,028
Nationwide $2,942 $2,942
State Farm $1,877 $1,981
USAA $2,797 $2,872

The Best Cheap Car Insurance Companies in Melrose, MN

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

Average Annual Car Insurance Rates by Company in Melrose, Minnesota

Insurance Company Average Annual Rates
Allstate $4,499
American Family $3,466
Farmers $3,012
GEICO $3,683
Liberty Mutual $12,656
Nationwide $2,942
State Farm $1,929
USAA $2,835

Category Winners: Cheapest Car Insurance in Melrose, Minnesota

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

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

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

Annual Car Insurance Rates by Coverage Level in Melrose, Minnesota

Insurance Company Low Medium High
Allstate $4,432 $4,495 $4,570
American Family $3,462 $3,562 $3,373
Farmers $2,906 $3,022 $3,108
GEICO $3,563 $3,682 $3,805
Liberty Mutual $12,350 $12,666 $12,951
Nationwide $2,785 $2,962 $3,080
State Farm $1,853 $1,936 $1,999
USAA $2,752 $2,833 $2,919

What affects car insurance rates in Melrose, Minnesota?

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

Commute Time in Melrose

The more time you spend in your car the higher the risk of an accident. The average commute length in Melrose, MN is 18.0 minutes according to City-Data.

Compare Car Insurance Quotes in Melrose, MN

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

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