Compare The Lakes, MN Car Insurance Rates (2021)

Car insurance in The Lakes, MN averages $343 a month. The Lakes, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap The Lakes car insurance rates, compare quotes from the top car insurance companies in The Lakes, 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 The Lakes, MN after a DUI are $5,583/year
  • Average car insurance rates in The Lakes, MN are $4,117/year
  • The cheapest car insurance company in The Lakes is State Farm

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

You’ll find The Lakes car insurance rates, the cheapest The Lakes, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare The Lakes, Minnesota car insurance rates to St. Cloud car insurance rates, Plymouth car insurance rates, and Brooklyn Park car insurance rates.

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

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

How do age, gender, and marital status affect The Lakes, MN car insurance rates? Every The Lakes, 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 The Lakes, 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 $2,791 $2,791 $2,686 $2,686 $6,377 $9,224 $3,403 $3,563
American Family $1,959 $1,959 $1,777 $1,777 $5,302 $7,684 $1,959 $2,211
Farmers $1,895 $1,895 $1,832 $1,926 $5,247 $5,293 $2,473 $2,443
GEICO $2,406 $2,389 $2,305 $2,240 $4,914 $6,255 $2,256 $2,323
Liberty Mutual $8,649 $8,649 $8,564 $8,564 $17,050 $25,601 $8,649 $12,054
Nationwide $1,832 $1,849 $1,630 $1,733 $4,650 $5,685 $2,147 $2,243
State Farm $1,392 $1,392 $1,232 $1,232 $2,932 $3,618 $1,614 $1,334
USAA $1,904 $1,897 $1,728 $1,737 $5,013 $5,516 $2,493 $2,666

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Minimum Car Insurance in The Lakes, MN

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

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

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

Annual Car Insurance Rates by Credit Score in The Lakes, Minnesota

Insurance Company Poor Fair Good
Allstate $6,149 $3,333 $3,089
American Family $4,165 $2,804 $2,267
Farmers $3,589 $2,603 $2,434
GEICO $3,766 $3,077 $2,565
Liberty Mutual $17,039 $11,018 $8,610
Nationwide $3,232 $2,611 $2,320
State Farm $2,687 $1,644 $1,199
USAA $4,516 $2,193 $1,898

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

Annual The Lakes, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,052 $4,416 $5,297 $3,997
American Family $2,054 $3,788 $4,144 $2,328
Farmers $2,463 $3,092 $3,133 $2,813
GEICO $2,072 $3,307 $4,945 $2,220
Liberty Mutual $8,985 $12,304 $17,909 $9,691
Nationwide $2,161 $2,866 $3,297 $2,560
State Farm $1,701 $1,985 $1,843 $1,843
USAA $2,131 $2,706 $4,100 $2,539

Cheapest The Lakes, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in The Lakes, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,377 $9,224
American Family $5,302 $7,684
Farmers $5,247 $5,293
GEICO $4,914 $6,255
Liberty Mutual $17,050 $25,601
Nationwide $4,650 $5,685
State Farm $2,932 $3,618
USAA $5,013 $5,516

Cheapest The Lakes, MN Car Insurance for Seniors

Take a look at The Lakes, 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 The Lakes, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,686 $2,686
American Family $1,777 $1,777
Farmers $1,832 $1,926
GEICO $2,305 $2,240
Liberty Mutual $8,564 $8,564
Nationwide $1,630 $1,733
State Farm $1,232 $1,232
USAA $1,728 $1,737

Cheapest The Lakes, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in The Lakes, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,297
American Family $4,144
Farmers $3,133
GEICO $4,945
Liberty Mutual $17,909
Nationwide $3,297
State Farm $1,843
USAA $4,100

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Cheapest The Lakes, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in The Lakes, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,190 $4,190
American Family $3,043 $3,114
Farmers $2,876 $2,876
GEICO $3,095 $3,177
Liberty Mutual $11,863 $12,582
Nationwide $2,721 $2,721
State Farm $1,795 $1,892
USAA $2,831 $2,907

The Best Cheap Car Insurance Companies in The Lakes, MN

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

Average Annual Car Insurance Rates by Company in The Lakes, Minnesota

Insurance Company Average Annual Rates
Allstate $4,190
American Family $3,078
Farmers $2,876
GEICO $3,136
Liberty Mutual $12,222
Nationwide $2,721
State Farm $1,843
USAA $2,869

Category Winners: Cheapest Car Insurance in The Lakes, Minnesota

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

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

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

Annual Car Insurance Rates by Coverage Level in The Lakes, Minnesota

Insurance Company Low Medium High
Allstate $4,135 $4,186 $4,250
American Family $3,067 $3,163 $3,006
Farmers $2,777 $2,886 $2,964
GEICO $3,045 $3,135 $3,228
Liberty Mutual $11,943 $12,230 $12,494
Nationwide $2,584 $2,738 $2,841
State Farm $1,779 $1,848 $1,903
USAA $2,788 $2,867 $2,953

What affects car insurance rates in The Lakes, Minnesota?

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

Commute Time in The Lakes

The more time you spend in your car the higher the risk of an accident. The average commute length in The Lakes, MN is 26.9 minutes according to City-Data.

Compare Car Insurance Quotes in The Lakes, MN

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

Free Car Insurance Comparison

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

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