Compare Oak Island, MN Car Insurance Rates (2021)

Car insurance in Oak Island, MN averages $357 a month. Oak Island, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Oak Island car insurance rates, compare quotes from the top car insurance companies in Oak Island, 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 Oak Island is State Farm
  • Average car insurance rates in Oak Island, MN after a DUI are $5,783/year
  • Average car insurance rates in Oak Island, MN are $4,288/year

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

You’ll find Oak Island car insurance rates, the cheapest Oak Island, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare Oak Island, Minnesota car insurance rates to Rochester car insurance rates, Minneapolis car insurance rates, and Bloomington car insurance rates.

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

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

How do age, gender, and marital status affect Oak Island, MN car insurance rates? Every Oak Island, 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 Oak Island, 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 $2,900 $2,900 $2,776 $2,776 $6,576 $9,597 $3,517 $3,717
American Family $2,162 $2,162 $1,957 $1,957 $5,823 $8,485 $2,162 $2,447
Farmers $1,592 $1,585 $1,535 $1,612 $4,355 $4,339 $2,064 $1,970
GEICO $2,756 $2,737 $2,639 $2,565 $5,625 $7,173 $2,585 $2,657
Liberty Mutual $9,075 $9,075 $8,983 $8,983 $18,171 $27,432 $9,075 $12,762
Nationwide $1,909 $1,932 $1,694 $1,808 $4,713 $5,778 $2,221 $2,325
State Farm $1,458 $1,458 $1,289 $1,289 $3,080 $3,828 $1,697 $1,395
USAA $1,931 $1,933 $1,747 $1,764 $5,057 $5,589 $2,537 $2,724

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Minimum Car Insurance in Oak Island, MN

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

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

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

Annual Car Insurance Rates by Credit Score in Oak Island, Minnesota

Insurance Company Poor Fair Good
Allstate $6,390 $3,447 $3,197
American Family $4,605 $3,086 $2,492
Farmers $3,004 $2,141 $1,999
GEICO $4,314 $3,524 $2,938
Liberty Mutual $18,046 $11,670 $9,119
Nationwide $3,328 $2,680 $2,385
State Farm $2,824 $1,727 $1,260
USAA $4,610 $2,213 $1,908

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

Annual Oak Island, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,194 $4,577 $5,468 $4,140
American Family $2,277 $4,124 $4,594 $2,582
Farmers $2,037 $2,576 $2,606 $2,306
GEICO $2,372 $3,788 $5,666 $2,541
Liberty Mutual $9,723 $13,139 $18,427 $10,489
Nationwide $2,209 $2,949 $3,403 $2,629
State Farm $1,788 $2,085 $1,937 $1,937
USAA $2,163 $2,741 $4,159 $2,578

Cheapest Oak Island, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Oak Island, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,576 $9,597
American Family $5,823 $8,485
Farmers $4,355 $4,339
GEICO $5,625 $7,173
Liberty Mutual $18,171 $27,432
Nationwide $4,713 $5,778
State Farm $3,080 $3,828
USAA $5,057 $5,589

Cheapest Oak Island, MN Car Insurance for Seniors

Take a look at Oak Island, 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 Oak Island, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,776 $2,776
American Family $1,957 $1,957
Farmers $1,535 $1,612
GEICO $2,639 $2,565
Liberty Mutual $8,983 $8,983
Nationwide $1,694 $1,808
State Farm $1,289 $1,289
USAA $1,747 $1,764

Cheapest Oak Island, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Oak Island, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,468
American Family $4,594
Farmers $2,606
GEICO $5,666
Liberty Mutual $18,427
Nationwide $3,403
State Farm $1,937
USAA $4,159

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Cheapest Oak Island, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oak Island, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,345 $4,345
American Family $3,354 $3,434
Farmers $2,381 $2,381
GEICO $3,546 $3,638
Liberty Mutual $12,555 $13,334
Nationwide $2,798 $2,798
State Farm $1,886 $1,987
USAA $2,872 $2,948

The Best Cheap Car Insurance Companies in Oak Island, MN

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

Average Annual Car Insurance Rates by Company in Oak Island, Minnesota

Insurance Company Average Annual Rates
Allstate $4,345
American Family $3,394
Farmers $2,381
GEICO $3,592
Liberty Mutual $12,945
Nationwide $2,798
State Farm $1,937
USAA $2,910

Category Winners: Cheapest Car Insurance in Oak Island, Minnesota

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

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

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

Annual Car Insurance Rates by Coverage Level in Oak Island, Minnesota

Insurance Company Low Medium High
Allstate $4,289 $4,342 $4,403
American Family $3,393 $3,489 $3,301
Farmers $2,295 $2,389 $2,460
GEICO $3,497 $3,590 $3,689
Liberty Mutual $12,675 $12,952 $13,207
Nationwide $2,660 $2,815 $2,917
State Farm $1,868 $1,942 $2,000
USAA $2,832 $2,908 $2,991

Compare Car Insurance Quotes in Oak Island, MN

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

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