Compare Perham, MN Car Insurance Rates (2021)

Car insurance in Perham, MN averages $356 a month. Perham, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Perham car insurance rates, compare quotes from the top car insurance companies in Perham, MN.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Perham, MN after a DUI are $5,748/year
  • The cheapest car insurance company in Perham is State Farm
  • The cheapest car insurance company in Perham for teen drivers is State Farm

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

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

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

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

How do age, gender, and marital status affect Perham, MN car insurance rates? Every Perham, 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 Perham, 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 $2,936 $2,936 $2,818 $2,818 $6,642 $9,629 $3,574 $3,753
American Family $2,111 $2,111 $1,912 $1,912 $5,674 $8,274 $2,111 $2,390
Farmers $1,590 $1,587 $1,536 $1,614 $4,344 $4,362 $2,067 $2,002
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 $1,431 $1,431 $1,267 $1,267 $3,038 $3,770 $1,665 $1,369
USAA $1,914 $1,911 $1,735 $1,747 $5,016 $5,527 $2,509 $2,686

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Minimum Car Insurance in Perham, MN

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

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

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

Annual Car Insurance Rates by Credit Score in Perham, Minnesota

Insurance Company Poor Fair Good
Allstate $6,458 $3,481 $3,225
American Family $4,487 $3,013 $2,436
Farmers $2,997 $2,154 $2,012
GEICO $4,314 $3,524 $2,938
Liberty Mutual $18,046 $11,670 $9,119
Nationwide $3,234 $2,607 $2,317
State Farm $2,777 $1,699 $1,239
USAA $4,551 $2,195 $1,896

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

Annual Perham, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,236 $4,625 $5,496 $4,195
American Family $2,219 $4,036 $4,476 $2,516
Farmers $2,046 $2,572 $2,605 $2,328
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 $1,757 $2,053 $1,905 $1,905
USAA $2,142 $2,717 $4,110 $2,553

Cheapest Perham, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Perham, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,642 $9,629
American Family $5,674 $8,274
Farmers $4,344 $4,362
GEICO $5,625 $7,173
Liberty Mutual $18,171 $27,432
Nationwide $4,617 $5,629
State Farm $3,038 $3,770
USAA $5,016 $5,527

Cheapest Perham, MN Car Insurance for Seniors

Take a look at Perham, 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 Perham, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,818 $2,818
American Family $1,912 $1,912
Farmers $1,536 $1,614
GEICO $2,639 $2,565
Liberty Mutual $8,983 $8,983
Nationwide $1,644 $1,748
State Farm $1,267 $1,267
USAA $1,735 $1,747

Cheapest Perham, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Perham, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,496
American Family $4,476
Farmers $2,605
GEICO $5,666
Liberty Mutual $18,427
Nationwide $3,301
State Farm $1,905
USAA $4,110

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Perham, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Perham, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,388 $4,388
American Family $3,273 $3,351
Farmers $2,388 $2,388
GEICO $3,546 $3,638
Liberty Mutual $12,555 $13,334
Nationwide $2,719 $2,719
State Farm $1,855 $1,955
USAA $2,843 $2,918

The Best Cheap Car Insurance Companies in Perham, MN

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

Average Annual Car Insurance Rates by Company in Perham, Minnesota

Insurance Company Average Annual Rates
Allstate $4,388
American Family $3,312
Farmers $2,388
GEICO $3,592
Liberty Mutual $12,945
Nationwide $2,719
State Farm $1,905
USAA $2,881

Category Winners: Cheapest Car Insurance in Perham, Minnesota

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

Best Annual Car Insurance Rates by Company in Perham, 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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Perham, MN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Perham, Minnesota

Insurance Company Low Medium High
Allstate $4,333 $4,385 $4,447
American Family $3,310 $3,404 $3,221
Farmers $2,301 $2,396 $2,465
GEICO $3,497 $3,590 $3,689
Liberty Mutual $12,675 $12,952 $13,207
Nationwide $2,580 $2,737 $2,841
State Farm $1,837 $1,910 $1,968
USAA $2,803 $2,878 $2,960

What affects car insurance rates in Perham, Minnesota?

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

Commute Time in Perham

The more time you spend in your car the higher the risk of an accident. The average commute length in Perham, MN is 18.6 minutes according to City-Data.

Compare Car Insurance Quotes in Perham, MN

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption