Compare Spicer, MN Car Insurance Rates (2021)

Car insurance in Spicer, MN averages $358 a month. Spicer, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Spicer car insurance rates, compare quotes from the top car insurance companies in Spicer, 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 Spicer is State Farm
  • The cheapest car insurance company in Spicer for teen drivers is State Farm
  • Average car insurance rates in Spicer, MN after a DUI are $5,803/year

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

You’ll find Spicer car insurance rates, the cheapest Spicer, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare Spicer, Minnesota car insurance rates to Duluth car insurance rates, Plymouth car insurance rates, and Maple Grove car insurance rates.

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

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

How do age, gender, and marital status affect Spicer, MN car insurance rates? Every Spicer, 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 Spicer, 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 $2,940 $2,940 $2,825 $2,825 $6,651 $9,631 $3,578 $3,756
American Family $2,201 $2,201 $1,992 $1,992 $5,936 $8,657 $2,201 $2,493
Farmers $1,910 $1,909 $1,839 $1,946 $5,516 $5,588 $2,505 $2,472
GEICO $2,406 $2,389 $2,305 $2,240 $4,914 $6,255 $2,256 $2,323
Liberty Mutual $8,952 $8,952 $8,863 $8,863 $17,660 $26,524 $8,952 $12,481
Nationwide $2,064 $2,072 $1,835 $1,949 $5,259 $6,382 $2,422 $2,516
State Farm $1,477 $1,477 $1,319 $1,319 $3,229 $3,983 $1,711 $1,409
USAA $1,785 $1,763 $1,629 $1,623 $4,703 $5,124 $2,318 $2,455

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Minimum Car Insurance in Spicer, MN

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

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

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

Annual Car Insurance Rates by Credit Score in Spicer, Minnesota

Insurance Company Poor Fair Good
Allstate $6,461 $3,486 $3,233
American Family $4,689 $3,147 $2,542
Farmers $3,681 $2,687 $2,513
GEICO $3,766 $3,077 $2,565
Liberty Mutual $17,646 $11,407 $8,915
Nationwide $3,645 $2,937 $2,605
State Farm $2,902 $1,775 $1,295
USAA $4,165 $2,063 $1,797

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

Annual Spicer, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,227 $4,634 $5,517 $4,196
American Family $2,323 $4,193 $4,687 $2,634
Farmers $2,535 $3,187 $3,235 $2,885
GEICO $2,072 $3,307 $4,945 $2,220
Liberty Mutual $9,312 $12,745 $18,523 $10,043
Nationwide $2,426 $3,227 $3,717 $2,880
State Farm $1,828 $2,153 $1,991 $1,991
USAA $1,989 $2,532 $3,810 $2,369

Cheapest Spicer, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Spicer, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,651 $9,631
American Family $5,936 $8,657
Farmers $5,516 $5,588
GEICO $4,914 $6,255
Liberty Mutual $17,660 $26,524
Nationwide $5,259 $6,382
State Farm $3,229 $3,983
USAA $4,703 $5,124

Cheapest Spicer, MN Car Insurance for Seniors

Take a look at Spicer, 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 Spicer, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,825 $2,825
American Family $1,992 $1,992
Farmers $1,839 $1,946
GEICO $2,305 $2,240
Liberty Mutual $8,863 $8,863
Nationwide $1,835 $1,949
State Farm $1,319 $1,319
USAA $1,629 $1,623

Cheapest Spicer, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Spicer, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,517
American Family $4,687
Farmers $3,235
GEICO $4,945
Liberty Mutual $18,523
Nationwide $3,717
State Farm $1,991
USAA $3,810

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Cheapest Spicer, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Spicer, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,393 $4,393
American Family $3,419 $3,500
Farmers $2,961 $2,961
GEICO $3,095 $3,177
Liberty Mutual $12,283 $13,028
Nationwide $3,062 $3,062
State Farm $1,936 $2,045
USAA $2,640 $2,710

The Best Cheap Car Insurance Companies in Spicer, MN

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

Average Annual Car Insurance Rates by Company in Spicer, Minnesota

Insurance Company Average Annual Rates
Allstate $4,393
American Family $3,459
Farmers $2,961
GEICO $3,136
Liberty Mutual $12,656
Nationwide $3,062
State Farm $1,991
USAA $2,675

Category Winners: Cheapest Car Insurance in Spicer, Minnesota

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

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

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

Annual Car Insurance Rates by Coverage Level in Spicer, Minnesota

Insurance Company Low Medium High
Allstate $4,332 $4,390 $4,457
American Family $3,458 $3,556 $3,363
Farmers $2,850 $2,973 $3,059
GEICO $3,045 $3,135 $3,228
Liberty Mutual $12,350 $12,666 $12,951
Nationwide $2,890 $3,085 $3,212
State Farm $1,905 $1,998 $2,068
USAA $2,597 $2,674 $2,754

What affects car insurance rates in Spicer, Minnesota?

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

Commute Time in Spicer

The more time you spend in your car the higher the risk of an accident. The average commute length in Spicer, MN is 20.7 minutes according to City-Data.

Compare Car Insurance Quotes in Spicer, MN

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

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