Compare Oslo, MN Car Insurance Rates (2021)

Car insurance in Oslo, MN averages $368 a month. Oslo, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Oslo car insurance rates, compare quotes from the top car insurance companies in Oslo, 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 Oslo is State Farm
  • The cheapest car insurance company in Oslo for teen drivers is State Farm
  • Average car insurance rates in Oslo, MN are $4,417/year

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

You’ll find Oslo car insurance rates, the cheapest Oslo, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare Oslo, Minnesota car insurance rates to Woodbury car insurance rates, Brooklyn Park car insurance rates, and Minneapolis car insurance rates.

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

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

How do age, gender, and marital status affect Oslo, MN car insurance rates? Every Oslo, 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 Oslo, 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 $2,881 $2,881 $2,758 $2,758 $6,537 $9,541 $3,495 $3,694
American Family $2,111 $2,111 $1,912 $1,912 $5,674 $8,274 $2,111 $2,390
Farmers $2,177 $2,175 $2,093 $2,214 $6,297 $6,363 $2,857 $2,826
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 $2,004 $2,026 $1,778 $1,896 $4,997 $6,122 $2,338 $2,445
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 Oslo, MN

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

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

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

Annual Car Insurance Rates by Credit Score in Oslo, Minnesota

Insurance Company Poor Fair Good
Allstate $6,354 $3,425 $3,175
American Family $4,487 $3,013 $2,436
Farmers $4,198 $3,064 $2,864
GEICO $4,314 $3,524 $2,938
Liberty Mutual $18,046 $11,670 $9,119
Nationwide $3,512 $2,827 $2,514
State Farm $2,824 $1,727 $1,260
USAA $4,610 $2,213 $1,908

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

Annual Oslo, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,178 $4,549 $5,429 $4,117
American Family $2,219 $4,036 $4,476 $2,516
Farmers $2,889 $3,639 $3,687 $3,288
GEICO $2,372 $3,788 $5,666 $2,541
Liberty Mutual $9,723 $13,139 $18,427 $10,489
Nationwide $2,330 $3,111 $3,590 $2,773
State Farm $1,788 $2,085 $1,937 $1,937
USAA $2,163 $2,741 $4,159 $2,578

Cheapest Oslo, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Oslo, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,537 $9,541
American Family $5,674 $8,274
Farmers $6,297 $6,363
GEICO $5,625 $7,173
Liberty Mutual $18,171 $27,432
Nationwide $4,997 $6,122
State Farm $3,080 $3,828
USAA $5,057 $5,589

Cheapest Oslo, MN Car Insurance for Seniors

Take a look at Oslo, 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 Oslo, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,758 $2,758
American Family $1,912 $1,912
Farmers $2,093 $2,214
GEICO $2,639 $2,565
Liberty Mutual $8,983 $8,983
Nationwide $1,778 $1,896
State Farm $1,289 $1,289
USAA $1,747 $1,764

Cheapest Oslo, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Oslo, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,429
American Family $4,476
Farmers $3,687
GEICO $5,666
Liberty Mutual $18,427
Nationwide $3,590
State Farm $1,937
USAA $4,159

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Cheapest Oslo, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oslo, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,318 $4,318
American Family $3,273 $3,351
Farmers $3,375 $3,375
GEICO $3,546 $3,638
Liberty Mutual $12,555 $13,334
Nationwide $2,951 $2,951
State Farm $1,886 $1,987
USAA $2,872 $2,948

The Best Cheap Car Insurance Companies in Oslo, MN

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

Average Annual Car Insurance Rates by Company in Oslo, Minnesota

Insurance Company Average Annual Rates
Allstate $4,318
American Family $3,312
Farmers $3,375
GEICO $3,592
Liberty Mutual $12,945
Nationwide $2,951
State Farm $1,937
USAA $2,910

Category Winners: Cheapest Car Insurance in Oslo, Minnesota

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

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

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

Annual Car Insurance Rates by Coverage Level in Oslo, Minnesota

Insurance Company Low Medium High
Allstate $4,263 $4,315 $4,377
American Family $3,310 $3,404 $3,221
Farmers $3,256 $3,389 $3,481
GEICO $3,497 $3,590 $3,689
Liberty Mutual $12,675 $12,952 $13,207
Nationwide $2,805 $2,969 $3,079
State Farm $1,868 $1,942 $2,000
USAA $2,832 $2,908 $2,991

What affects car insurance rates in Oslo, Minnesota?

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

Commute Time in Oslo

The more time you spend in your car the higher the risk of an accident. The average commute length in Oslo, MN is 28.1 minutes according to City-Data.

Traffic in Oslo

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Oslo, MN traffic data from INRIX ranks Oslo as the 225th-most congested in the world.

Compare Car Insurance Quotes in Oslo, MN

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

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