Compare Prior Lake, MN Car Insurance Rates (2021)

Car insurance in Prior Lake, MN averages $381 a month. Prior Lake, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Prior Lake car insurance rates, compare quotes from the top car insurance companies in Prior Lake, 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 Prior Lake, MN after a DUI are $6,292/year
  • Average car insurance rates in Prior Lake, MN are $4,577/year
  • The cheapest car insurance company in Prior Lake is State Farm

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

You’ll find Prior Lake car insurance rates, the cheapest Prior Lake, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare Prior Lake, Minnesota car insurance rates to St. Paul car insurance rates, Brooklyn Park car insurance rates, and Rochester car insurance rates.

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

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

How do age, gender, and marital status affect Prior Lake, MN car insurance rates? Every Prior Lake, 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 Prior Lake, 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 $3,262 $3,262 $3,144 $3,144 $7,511 $10,882 $3,966 $4,168
American Family $2,258 $2,258 $2,055 $2,055 $6,255 $8,935 $2,258 $2,524
Farmers $2,055 $2,058 $1,974 $2,105 $6,067 $6,203 $2,715 $2,668
GEICO $2,512 $2,488 $2,394 $2,327 $5,476 $6,911 $2,349 $2,463
Liberty Mutual $9,743 $9,743 $9,651 $9,651 $18,787 $27,995 $9,743 $13,408
Nationwide $2,016 $2,006 $1,800 $1,898 $5,308 $6,380 $2,387 $2,460
State Farm $1,568 $1,568 $1,409 $1,409 $3,489 $4,280 $1,812 $1,494
USAA $1,832 $1,793 $1,683 $1,657 $4,999 $5,405 $2,370 $2,485

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Minimum Car Insurance in Prior Lake, MN

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

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

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

Annual Car Insurance Rates by Credit Score in Prior Lake, Minnesota

Insurance Company Poor Fair Good
Allstate $7,184 $3,922 $3,646
American Family $4,946 $3,215 $2,563
Farmers $4,003 $2,939 $2,749
GEICO $4,038 $3,305 $2,752
Liberty Mutual $18,931 $12,256 $9,583
Nationwide $3,608 $2,913 $2,575
State Farm $3,103 $1,898 $1,385
USAA $4,301 $2,147 $1,886

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

Annual Prior Lake, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,497 $5,186 $6,331 $4,655
American Family $2,407 $4,317 $4,849 $2,726
Farmers $2,774 $3,467 $3,523 $3,158
GEICO $2,249 $3,553 $5,249 $2,409
Liberty Mutual $9,716 $13,533 $20,639 $10,472
Nationwide $2,419 $3,192 $3,660 $2,856
State Farm $1,948 $2,309 $2,129 $2,129
USAA $2,062 $2,643 $3,955 $2,452

Cheapest Prior Lake, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Prior Lake, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,511 $10,882
American Family $6,255 $8,935
Farmers $6,067 $6,203
GEICO $5,476 $6,911
Liberty Mutual $18,787 $27,995
Nationwide $5,308 $6,380
State Farm $3,489 $4,280
USAA $4,999 $5,405

Cheapest Prior Lake, MN Car Insurance for Seniors

Take a look at Prior Lake, 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 Prior Lake, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,144 $3,144
American Family $2,055 $2,055
Farmers $1,974 $2,105
GEICO $2,394 $2,327
Liberty Mutual $9,651 $9,651
Nationwide $1,800 $1,898
State Farm $1,409 $1,409
USAA $1,683 $1,657

Cheapest Prior Lake, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Prior Lake, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,331
American Family $4,849
Farmers $3,523
GEICO $5,249
Liberty Mutual $20,639
Nationwide $3,660
State Farm $2,129
USAA $3,955

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Cheapest Prior Lake, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Prior Lake, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,917 $4,917
American Family $3,533 $3,616
Farmers $3,231 $3,231
GEICO $3,318 $3,412
Liberty Mutual $13,203 $13,977
Nationwide $3,032 $3,032
State Farm $2,069 $2,188
USAA $2,742 $2,814

The Best Cheap Car Insurance Companies in Prior Lake, MN

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

Average Annual Car Insurance Rates by Company in Prior Lake, Minnesota

Insurance Company Average Annual Rates
Allstate $4,917
American Family $3,575
Farmers $3,231
GEICO $3,365
Liberty Mutual $13,590
Nationwide $3,032
State Farm $2,129
USAA $2,778

Category Winners: Cheapest Car Insurance in Prior Lake, Minnesota

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

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

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

Annual Car Insurance Rates by Coverage Level in Prior Lake, Minnesota

Insurance Company Low Medium High
Allstate $4,846 $4,915 $4,991
American Family $3,550 $3,670 $3,505
Farmers $3,098 $3,248 $3,346
GEICO $3,245 $3,365 $3,485
Liberty Mutual $13,197 $13,604 $13,968
Nationwide $2,851 $3,059 $3,186
State Farm $2,034 $2,138 $2,214
USAA $2,692 $2,777 $2,866

What affects car insurance rates in Prior Lake, Minnesota?

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

Commute Time in Prior Lake

The more time you spend in your car the higher the risk of an accident. The average commute length in Prior Lake, MN is 27.8 minutes according to City-Data.

Compare Car Insurance Quotes in Prior Lake, MN

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

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