Compare Owatonna, MN Car Insurance Rates (2021)

Car insurance in Owatonna, MN averages $353 a month. Owatonna, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Owatonna car insurance rates, compare quotes from the top car insurance companies in Owatonna, 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 Owatonna, MN after a DUI are $5,778/year
  • Average car insurance rates in Owatonna, MN are $4,236/year
  • The cheapest car insurance company in Owatonna for teen drivers is State Farm

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

You’ll find Owatonna car insurance rates, the cheapest Owatonna, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare Owatonna, Minnesota car insurance rates to Maple Grove car insurance rates, Minneapolis car insurance rates, and St. Paul car insurance rates.

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

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

How do age, gender, and marital status affect Owatonna, MN car insurance rates? Every Owatonna, 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 Owatonna, 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 $2,761 $2,761 $2,654 $2,654 $6,346 $9,218 $3,357 $3,531
American Family $2,231 $2,231 $2,020 $2,020 $6,033 $8,778 $2,231 $2,522
Farmers $1,787 $1,782 $1,722 $1,820 $5,044 $5,069 $2,330 $2,202
GEICO $2,399 $2,380 $2,292 $2,228 $5,029 $6,388 $2,248 $2,327
Liberty Mutual $9,135 $9,135 $9,045 $9,045 $17,956 $26,937 $9,135 $12,711
Nationwide $1,908 $1,908 $1,701 $1,800 $4,934 $5,965 $2,248 $2,328
State Farm $1,371 $1,371 $1,228 $1,228 $3,025 $3,732 $1,590 $1,307
USAA $1,813 $1,792 $1,654 $1,645 $4,878 $5,326 $2,361 $2,500

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Minimum Car Insurance in Owatonna, MN

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

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

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

Annual Car Insurance Rates by Credit Score in Owatonna, Minnesota

Insurance Company Poor Fair Good
Allstate $6,091 $3,314 $3,076
American Family $4,775 $3,184 $2,565
Farmers $3,424 $2,448 $2,286
GEICO $3,796 $3,103 $2,586
Liberty Mutual $17,968 $11,618 $9,076
Nationwide $3,388 $2,735 $2,423
State Farm $2,706 $1,655 $1,208
USAA $4,297 $2,106 $1,836

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

Annual Owatonna, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,996 $4,381 $5,314 $3,951
American Family $2,357 $4,245 $4,757 $2,673
Farmers $2,328 $2,937 $2,984 $2,629
GEICO $2,098 $3,336 $4,965 $2,248
Liberty Mutual $9,433 $12,953 $18,990 $10,174
Nationwide $2,268 $3,000 $3,445 $2,682
State Farm $1,702 $2,011 $1,856 $1,856
USAA $2,040 $2,603 $3,915 $2,427

Cheapest Owatonna, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Owatonna, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,346 $9,218
American Family $6,033 $8,778
Farmers $5,044 $5,069
GEICO $5,029 $6,388
Liberty Mutual $17,956 $26,937
Nationwide $4,934 $5,965
State Farm $3,025 $3,732
USAA $4,878 $5,326

Cheapest Owatonna, MN Car Insurance for Seniors

Take a look at Owatonna, 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 Owatonna, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,654 $2,654
American Family $2,020 $2,020
Farmers $1,722 $1,820
GEICO $2,292 $2,228
Liberty Mutual $9,045 $9,045
Nationwide $1,701 $1,800
State Farm $1,228 $1,228
USAA $1,654 $1,645

Cheapest Owatonna, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Owatonna, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,314
American Family $4,757
Farmers $2,984
GEICO $4,965
Liberty Mutual $18,990
Nationwide $3,445
State Farm $1,856
USAA $3,915

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Cheapest Owatonna, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Owatonna, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,160 $4,160
American Family $3,467 $3,549
Farmers $2,719 $2,719
GEICO $3,120 $3,203
Liberty Mutual $12,510 $13,265
Nationwide $2,849 $2,849
State Farm $1,806 $1,907
USAA $2,710 $2,782

The Best Cheap Car Insurance Companies in Owatonna, MN

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

Average Annual Car Insurance Rates by Company in Owatonna, Minnesota

Insurance Company Average Annual Rates
Allstate $4,160
American Family $3,508
Farmers $2,719
GEICO $3,162
Liberty Mutual $12,887
Nationwide $2,849
State Farm $1,856
USAA $2,746

Category Winners: Cheapest Car Insurance in Owatonna, Minnesota

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

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

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

Annual Car Insurance Rates by Coverage Level in Owatonna, Minnesota

Insurance Company Low Medium High
Allstate $4,108 $4,157 $4,216
American Family $3,505 $3,606 $3,413
Farmers $2,603 $2,732 $2,824
GEICO $3,064 $3,160 $3,260
Liberty Mutual $12,579 $12,897 $13,186
Nationwide $2,689 $2,870 $2,988
State Farm $1,775 $1,864 $1,930
USAA $2,668 $2,744 $2,826

What affects car insurance rates in Owatonna, Minnesota?

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

Commute Time in Owatonna

The more time you spend in your car the higher the risk of an accident. The average commute length in Owatonna, MN is 16.3 minutes according to City-Data.

Compare Car Insurance Quotes in Owatonna, MN

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

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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