Compare Montrose, MN Car Insurance Rates (2021)

Car insurance in Montrose, MN averages $383 a month. Montrose, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Montrose car insurance rates, compare quotes from the top car insurance companies in Montrose, 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 Montrose, MN after a DUI are $6,281/year
  • Average car insurance rates in Montrose, MN are $4,599/year
  • The cheapest car insurance company in Montrose is State Farm

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

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

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

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

How do age, gender, and marital status affect Montrose, MN car insurance rates? Every Montrose, 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 Montrose, 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 $2,916 $2,916 $6,867 $9,859 $3,676 $3,836
American Family $2,225 $2,225 $2,019 $2,019 $6,119 $8,843 $2,225 $2,510
Farmers $2,338 $2,329 $2,254 $2,372 $6,580 $6,593 $3,045 $2,906
GEICO $2,791 $2,768 $2,666 $2,591 $5,874 $7,453 $2,614 $2,712
Liberty Mutual $9,742 $9,742 $9,648 $9,648 $19,018 $28,462 $9,742 $13,502
Nationwide $2,020 $2,027 $1,799 $1,908 $5,169 $6,269 $2,373 $2,465
State Farm $1,558 $1,558 $1,400 $1,400 $3,438 $4,190 $1,793 $1,488
USAA $1,813 $1,790 $1,657 $1,650 $4,804 $5,231 $2,355 $2,494

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Minimum Car Insurance in Montrose, MN

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

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

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

Annual Car Insurance Rates by Credit Score in Montrose, Minnesota

Insurance Company Poor Fair Good
Allstate $6,596 $3,598 $3,346
American Family $4,794 $3,201 $2,575
Farmers $4,471 $3,199 $2,986
GEICO $4,422 $3,616 $3,012
Liberty Mutual $19,078 $12,341 $9,645
Nationwide $3,575 $2,882 $2,555
State Farm $3,066 $1,875 $1,368
USAA $4,235 $2,104 $1,834

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

Annual Montrose, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,238 $4,766 $5,757 $4,292
American Family $2,367 $4,262 $4,780 $2,683
Farmers $3,037 $3,839 $3,899 $3,433
GEICO $2,445 $3,887 $5,782 $2,620
Liberty Mutual $9,933 $13,710 $20,401 $10,708
Nationwide $2,385 $3,164 $3,639 $2,826
State Farm $1,926 $2,280 $2,103 $2,103
USAA $2,024 $2,577 $3,888 $2,409

Cheapest Montrose, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Montrose, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,867 $9,859
American Family $6,119 $8,843
Farmers $6,580 $6,593
GEICO $5,874 $7,453
Liberty Mutual $19,018 $28,462
Nationwide $5,169 $6,269
State Farm $3,438 $4,190
USAA $4,804 $5,231

Cheapest Montrose, MN Car Insurance for Seniors

Take a look at Montrose, 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 Montrose, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,916 $2,916
American Family $2,019 $2,019
Farmers $2,254 $2,372
GEICO $2,666 $2,591
Liberty Mutual $9,648 $9,648
Nationwide $1,799 $1,908
State Farm $1,400 $1,400
USAA $1,657 $1,650

Cheapest Montrose, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Montrose, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,757
American Family $4,780
Farmers $3,899
GEICO $5,782
Liberty Mutual $20,401
Nationwide $3,639
State Farm $2,103
USAA $3,888

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Cheapest Montrose, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Montrose, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,513 $4,513
American Family $3,482 $3,564
Farmers $3,552 $3,552
GEICO $3,634 $3,733
Liberty Mutual $13,291 $14,085
Nationwide $3,004 $3,004
State Farm $2,044 $2,162
USAA $2,688 $2,760

The Best Cheap Car Insurance Companies in Montrose, MN

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

Average Annual Car Insurance Rates by Company in Montrose, Minnesota

Insurance Company Average Annual Rates
Allstate $4,513
American Family $3,523
Farmers $3,552
GEICO $3,683
Liberty Mutual $13,688
Nationwide $3,004
State Farm $2,103
USAA $2,724

Category Winners: Cheapest Car Insurance in Montrose, Minnesota

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

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

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

Annual Car Insurance Rates by Coverage Level in Montrose, Minnesota

Insurance Company Low Medium High
Allstate $4,440 $4,510 $4,590
American Family $3,508 $3,619 $3,443
Farmers $3,414 $3,567 $3,675
GEICO $3,563 $3,682 $3,805
Liberty Mutual $13,301 $13,706 $14,057
Nationwide $2,833 $3,025 $3,153
State Farm $2,010 $2,112 $2,187
USAA $2,638 $2,723 $2,812

What affects car insurance rates in Montrose, Minnesota?

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

Commute Time in Montrose

The more time you spend in your car the higher the risk of an accident. The average commute length in Montrose, MN is 36.4 minutes according to City-Data.

Compare Car Insurance Quotes in Montrose, MN

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

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