Compare Ottertail, MN Car Insurance Rates (2021)

Car insurance in Ottertail, MN averages $362 a month. Ottertail, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Ottertail car insurance rates, compare quotes from the top car insurance companies in Ottertail, 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 Ottertail for teen drivers is State Farm
  • Average car insurance rates in Ottertail, MN after a DUI are $5,831/year
  • Average car insurance rates in Ottertail, MN are $4,343/year

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

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

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

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

How do age, gender, and marital status affect Ottertail, MN car insurance rates? Every Ottertail, 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 Ottertail, 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 $2,941 $2,941 $2,823 $2,823 $6,647 $9,634 $3,579 $3,758
American Family $2,111 $2,111 $1,913 $1,913 $5,695 $8,274 $2,111 $2,384
Farmers $1,904 $1,903 $1,838 $1,938 $5,409 $5,475 $2,491 $2,470
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 $1,848 $1,862 $1,644 $1,748 $4,617 $5,629 $2,158 $2,248
State Farm $1,497 $1,497 $1,320 $1,320 $3,134 $3,892 $1,740 $1,434
USAA $1,907 $1,903 $1,727 $1,740 $4,997 $5,508 $2,499 $2,677

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Minimum Car Insurance in Ottertail, MN

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

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

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

Annual Car Insurance Rates by Credit Score in Ottertail, Minnesota

Insurance Company Poor Fair Good
Allstate $6,464 $3,486 $3,231
American Family $4,515 $3,005 $2,422
Farmers $3,643 $2,657 $2,485
GEICO $4,314 $3,524 $2,938
Liberty Mutual $18,046 $11,670 $9,119
Nationwide $3,234 $2,607 $2,317
State Farm $2,886 $1,765 $1,287
USAA $4,535 $2,186 $1,888

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

Annual Ottertail, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,242 $4,630 $5,501 $4,201
American Family $2,221 $4,038 $4,480 $2,517
Farmers $2,507 $3,150 $3,198 $2,859
GEICO $2,372 $3,788 $5,666 $2,541
Liberty Mutual $9,723 $13,139 $18,427 $10,489
Nationwide $2,153 $2,865 $3,301 $2,557
State Farm $1,831 $2,128 $1,979 $1,979
USAA $2,134 $2,706 $4,096 $2,543

Cheapest Ottertail, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Ottertail, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,647 $9,634
American Family $5,695 $8,274
Farmers $5,409 $5,475
GEICO $5,625 $7,173
Liberty Mutual $18,171 $27,432
Nationwide $4,617 $5,629
State Farm $3,134 $3,892
USAA $4,997 $5,508

Cheapest Ottertail, MN Car Insurance for Seniors

Take a look at Ottertail, 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 Ottertail, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,823 $2,823
American Family $1,913 $1,913
Farmers $1,838 $1,938
GEICO $2,639 $2,565
Liberty Mutual $8,983 $8,983
Nationwide $1,644 $1,748
State Farm $1,320 $1,320
USAA $1,727 $1,740

Cheapest Ottertail, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ottertail, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,501
American Family $4,480
Farmers $3,198
GEICO $5,666
Liberty Mutual $18,427
Nationwide $3,301
State Farm $1,979
USAA $4,096

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Cheapest Ottertail, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ottertail, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,393 $4,393
American Family $3,275 $3,353
Farmers $2,928 $2,928
GEICO $3,546 $3,638
Liberty Mutual $12,555 $13,334
Nationwide $2,719 $2,719
State Farm $1,928 $2,031
USAA $2,832 $2,907

The Best Cheap Car Insurance Companies in Ottertail, MN

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

Average Annual Car Insurance Rates by Company in Ottertail, Minnesota

Insurance Company Average Annual Rates
Allstate $4,393
American Family $3,314
Farmers $2,928
GEICO $3,592
Liberty Mutual $12,945
Nationwide $2,719
State Farm $1,979
USAA $2,870

Category Winners: Cheapest Car Insurance in Ottertail, Minnesota

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

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

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

Annual Car Insurance Rates by Coverage Level in Ottertail, Minnesota

Insurance Company Low Medium High
Allstate $4,336 $4,389 $4,455
American Family $3,309 $3,406 $3,228
Farmers $2,822 $2,940 $3,022
GEICO $3,497 $3,590 $3,689
Liberty Mutual $12,675 $12,952 $13,207
Nationwide $2,580 $2,737 $2,841
State Farm $1,910 $1,985 $2,043
USAA $2,793 $2,867 $2,949

What affects car insurance rates in Ottertail, Minnesota?

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

Commute Time in Ottertail

The more time you spend in your car the higher the risk of an accident. The average commute length in Ottertail, MN is 25.1 minutes according to City-Data.

Compare Car Insurance Quotes in Ottertail, MN

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

Free Car Insurance Comparison

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