Compare Montgomery, MN Car Insurance Rates (2021)

Car insurance in Montgomery, MN averages $365 a month. Montgomery, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Montgomery car insurance rates, compare quotes from the top car insurance companies in Montgomery, 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 Montgomery, MN after a DUI are $5,918/year
  • The cheapest car insurance company in Montgomery is State Farm
  • The cheapest car insurance company in Montgomery for teen drivers is State Farm

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

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

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

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

How do age, gender, and marital status affect Montgomery, MN car insurance rates? Every Montgomery, 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 Montgomery, 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 $3,078 $3,078 $2,967 $2,967 $7,050 $10,201 $3,740 $3,928
American Family $2,204 $2,204 $1,996 $1,996 $5,961 $8,669 $2,204 $2,492
Farmers $2,426 $2,414 $2,341 $2,455 $6,667 $6,641 $3,146 $2,988
GEICO $2,420 $2,401 $2,313 $2,248 $5,064 $6,431 $2,267 $2,347
Liberty Mutual $8,952 $8,952 $8,863 $8,863 $17,660 $26,524 $8,952 $12,481
Nationwide $1,829 $1,834 $1,630 $1,727 $4,686 $5,682 $2,149 $2,231
State Farm $1,433 $1,433 $1,279 $1,279 $3,113 $3,824 $1,657 $1,369
USAA $1,866 $1,848 $1,702 $1,702 $4,894 $5,342 $2,429 $2,580

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Minimum Car Insurance in Montgomery, MN

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

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

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

Annual Car Insurance Rates by Credit Score in Montgomery, Minnesota

Insurance Company Poor Fair Good
Allstate $6,761 $3,688 $3,429
American Family $4,715 $3,146 $2,536
Farmers $4,595 $3,264 $3,046
GEICO $3,826 $3,128 $2,606
Liberty Mutual $17,646 $11,407 $8,915
Nationwide $3,234 $2,612 $2,316
State Farm $2,804 $1,715 $1,251
USAA $4,356 $2,156 $1,874

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

Annual Montgomery, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,309 $4,882 $5,927 $4,386
American Family $2,327 $4,200 $4,697 $2,639
Farmers $3,106 $3,933 $3,989 $3,512
GEICO $2,114 $3,362 $5,005 $2,265
Liberty Mutual $9,312 $12,745 $18,523 $10,043
Nationwide $2,166 $2,865 $3,291 $2,562
State Farm $1,767 $2,080 $1,924 $1,924
USAA $2,077 $2,639 $3,989 $2,475

Cheapest Montgomery, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Montgomery, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,050 $10,201
American Family $5,961 $8,669
Farmers $6,667 $6,641
GEICO $5,064 $6,431
Liberty Mutual $17,660 $26,524
Nationwide $4,686 $5,682
State Farm $3,113 $3,824
USAA $4,894 $5,342

Cheapest Montgomery, MN Car Insurance for Seniors

Take a look at Montgomery, 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 Montgomery, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,967 $2,967
American Family $1,996 $1,996
Farmers $2,341 $2,455
GEICO $2,313 $2,248
Liberty Mutual $8,863 $8,863
Nationwide $1,630 $1,727
State Farm $1,279 $1,279
USAA $1,702 $1,702

Cheapest Montgomery, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Montgomery, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,927
American Family $4,697
Farmers $3,989
GEICO $5,005
Liberty Mutual $18,523
Nationwide $3,291
State Farm $1,924
USAA $3,989

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Cheapest Montgomery, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Montgomery, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,626 $4,626
American Family $3,425 $3,506
Farmers $3,635 $3,635
GEICO $3,144 $3,229
Liberty Mutual $12,283 $13,028
Nationwide $2,721 $2,721
State Farm $1,871 $1,976
USAA $2,758 $2,832

The Best Cheap Car Insurance Companies in Montgomery, MN

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

Average Annual Car Insurance Rates by Company in Montgomery, Minnesota

Insurance Company Average Annual Rates
Allstate $4,626
American Family $3,466
Farmers $3,635
GEICO $3,186
Liberty Mutual $12,656
Nationwide $2,721
State Farm $1,924
USAA $2,795

Category Winners: Cheapest Car Insurance in Montgomery, Minnesota

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

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

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

Annual Car Insurance Rates by Coverage Level in Montgomery, Minnesota

Insurance Company Low Medium High
Allstate $4,553 $4,623 $4,703
American Family $3,462 $3,562 $3,373
Farmers $3,499 $3,648 $3,758
GEICO $3,092 $3,185 $3,283
Liberty Mutual $12,350 $12,666 $12,951
Nationwide $2,573 $2,740 $2,850
State Farm $1,845 $1,930 $1,995
USAA $2,709 $2,794 $2,882

What affects car insurance rates in Montgomery, Minnesota?

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

Commute Time in Montgomery

The more time you spend in your car the higher the risk of an accident. The average commute length in Montgomery, MN is 31.2 minutes according to City-Data.

Traffic in Montgomery

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Montgomery, MN traffic data from INRIX ranks Montgomery as the 413th-most congested in the world.

Compare Car Insurance Quotes in Montgomery, MN

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

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