Compare Two Harbors, MN Car Insurance Rates (2021)

Car insurance in Two Harbors, MN averages $388 a month. Two Harbors, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Two Harbors car insurance rates, compare quotes from the top car insurance companies in Two Harbors, 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 Two Harbors, MN after a DUI are $6,284/year
  • The cheapest car insurance company in Two Harbors for teen drivers is State Farm
  • The cheapest car insurance company in Two Harbors is State Farm

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

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

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

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

How do age, gender, and marital status affect Two Harbors, MN car insurance rates? Every Two Harbors, 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 Two Harbors, 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 $3,089 $3,089 $2,952 $2,952 $7,026 $10,304 $3,738 $3,968
American Family $2,279 $2,279 $2,062 $2,062 $6,143 $8,967 $2,279 $2,583
Farmers $2,410 $2,413 $2,318 $2,453 $7,083 $7,216 $3,179 $3,233
GEICO $2,981 $2,963 $2,860 $2,780 $5,955 $7,614 $2,800 $2,862
Liberty Mutual $9,543 $9,543 $9,448 $9,448 $18,946 $28,518 $9,543 $13,355
Nationwide $2,052 $2,070 $1,823 $1,941 $5,138 $6,276 $2,397 $2,500
State Farm $1,574 $1,574 $1,387 $1,387 $3,279 $4,069 $1,828 $1,508
USAA $1,861 $1,856 $1,686 $1,698 $4,834 $5,323 $2,435 $2,606

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Minimum Car Insurance in Two Harbors, MN

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

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

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

Annual Car Insurance Rates by Credit Score in Two Harbors, Minnesota

Insurance Company Poor Fair Good
Allstate $6,825 $3,680 $3,413
American Family $4,861 $3,256 $2,629
Farmers $4,669 $3,458 $3,237
GEICO $4,627 $3,778 $3,150
Liberty Mutual $18,883 $12,208 $9,538
Nationwide $3,602 $2,898 $2,573
State Farm $3,027 $1,851 $1,350
USAA $4,394 $2,129 $1,839

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

Annual Two Harbors, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,403 $4,888 $5,856 $4,412
American Family $2,410 $4,324 $4,862 $2,732
Farmers $3,244 $4,070 $4,125 $3,713
GEICO $2,533 $4,061 $6,102 $2,713
Liberty Mutual $10,049 $13,683 $19,600 $10,840
Nationwide $2,391 $3,188 $3,676 $2,843
State Farm $1,921 $2,231 $2,076 $2,076
USAA $2,075 $2,629 $3,974 $2,473

Cheapest Two Harbors, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Two Harbors, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,026 $10,304
American Family $6,143 $8,967
Farmers $7,083 $7,216
GEICO $5,955 $7,614
Liberty Mutual $18,946 $28,518
Nationwide $5,138 $6,276
State Farm $3,279 $4,069
USAA $4,834 $5,323

Cheapest Two Harbors, MN Car Insurance for Seniors

Take a look at Two Harbors, 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 Two Harbors, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,952 $2,952
American Family $2,062 $2,062
Farmers $2,318 $2,453
GEICO $2,860 $2,780
Liberty Mutual $9,448 $9,448
Nationwide $1,823 $1,941
State Farm $1,387 $1,387
USAA $1,686 $1,698

Cheapest Two Harbors, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Two Harbors, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,856
American Family $4,862
Farmers $4,125
GEICO $6,102
Liberty Mutual $19,600
Nationwide $3,676
State Farm $2,076
USAA $3,974

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Cheapest Two Harbors, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Two Harbors, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,640 $4,640
American Family $3,540 $3,624
Farmers $3,788 $3,788
GEICO $3,803 $3,901
Liberty Mutual $13,141 $13,945
Nationwide $3,025 $3,025
State Farm $2,022 $2,130
USAA $2,751 $2,824

The Best Cheap Car Insurance Companies in Two Harbors, MN

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

Average Annual Car Insurance Rates by Company in Two Harbors, Minnesota

Insurance Company Average Annual Rates
Allstate $4,640
American Family $3,582
Farmers $3,788
GEICO $3,852
Liberty Mutual $13,543
Nationwide $3,025
State Farm $2,076
USAA $2,787

Category Winners: Cheapest Car Insurance in Two Harbors, Minnesota

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

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

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

Annual Car Insurance Rates by Coverage Level in Two Harbors, Minnesota

Insurance Company Low Medium High
Allstate $4,579 $4,637 $4,704
American Family $3,584 $3,683 $3,479
Farmers $3,665 $3,804 $3,895
GEICO $3,762 $3,850 $3,944
Liberty Mutual $13,254 $13,552 $13,822
Nationwide $2,871 $3,043 $3,160
State Farm $2,005 $2,082 $2,141
USAA $2,715 $2,786 $2,861

What affects car insurance rates in Two Harbors, Minnesota?

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

Commute Time in Two Harbors

The more time you spend in your car the higher the risk of an accident. The average commute length in Two Harbors, MN is 18.1 minutes according to City-Data.

Compare Car Insurance Quotes in Two Harbors, MN

Ready to find affordable Two Harbors, Minnesota car insurance today? Enter your ZIP code for fast, free Two Harbors, 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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