Compare Watkins, MN Car Insurance Rates (2021)

Car insurance in Watkins, MN averages $369 a month. Watkins, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Watkins car insurance rates, compare quotes from the top car insurance companies in Watkins, 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 Watkins for teen drivers is State Farm
  • Average car insurance rates in Watkins, MN are $4,429/year
  • The cheapest car insurance company in Watkins is State Farm

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

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

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

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

How do age, gender, and marital status affect Watkins, MN car insurance rates? Every Watkins, 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 Watkins, 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 $2,937 $2,937 $2,820 $2,820 $6,656 $9,652 $3,569 $3,754
American Family $2,357 $2,357 $2,134 $2,134 $6,405 $9,311 $2,357 $2,664
Farmers $2,552 $2,546 $2,456 $2,585 $7,256 $7,278 $3,335 $3,316
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 $1,986 $1,996 $1,766 $1,876 $5,038 $6,127 $2,328 $2,421
State Farm $1,440 $1,440 $1,283 $1,283 $3,107 $3,828 $1,663 $1,375
USAA $1,825 $1,804 $1,667 $1,662 $4,833 $5,268 $2,373 $2,515

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Minimum Car Insurance in Watkins, MN

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

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

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

Annual Car Insurance Rates by Credit Score in Watkins, Minnesota

Insurance Company Poor Fair Good
Allstate $6,451 $3,490 $3,239
American Family $5,071 $3,366 $2,707
Farmers $4,883 $3,548 $3,316
GEICO $3,766 $3,077 $2,565
Liberty Mutual $17,646 $11,407 $8,915
Nationwide $3,501 $2,822 $2,504
State Farm $2,810 $1,718 $1,254
USAA $4,270 $2,116 $1,844

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

Annual Watkins, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,209 $4,631 $5,545 $4,187
American Family $2,503 $4,466 $5,053 $2,838
Farmers $3,344 $4,231 $4,279 $3,809
GEICO $2,072 $3,307 $4,945 $2,220
Liberty Mutual $9,312 $12,745 $18,523 $10,043
Nationwide $2,331 $3,100 $3,571 $2,767
State Farm $1,774 $2,081 $1,927 $1,927
USAA $2,038 $2,594 $3,916 $2,426

Cheapest Watkins, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Watkins, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,656 $9,652
American Family $6,405 $9,311
Farmers $7,256 $7,278
GEICO $4,914 $6,255
Liberty Mutual $17,660 $26,524
Nationwide $5,038 $6,127
State Farm $3,107 $3,828
USAA $4,833 $5,268

Cheapest Watkins, MN Car Insurance for Seniors

Take a look at Watkins, 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 Watkins, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,820 $2,820
American Family $2,134 $2,134
Farmers $2,456 $2,585
GEICO $2,305 $2,240
Liberty Mutual $8,863 $8,863
Nationwide $1,766 $1,876
State Farm $1,283 $1,283
USAA $1,667 $1,662

Cheapest Watkins, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Watkins, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,545
American Family $5,053
Farmers $4,279
GEICO $4,945
Liberty Mutual $18,523
Nationwide $3,571
State Farm $1,927
USAA $3,916

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Cheapest Watkins, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Watkins, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,393 $4,393
American Family $3,671 $3,759
Farmers $3,916 $3,916
GEICO $3,095 $3,177
Liberty Mutual $12,283 $13,028
Nationwide $2,942 $2,942
State Farm $1,875 $1,980
USAA $2,707 $2,779

The Best Cheap Car Insurance Companies in Watkins, MN

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

Average Annual Car Insurance Rates by Company in Watkins, Minnesota

Insurance Company Average Annual Rates
Allstate $4,393
American Family $3,715
Farmers $3,916
GEICO $3,136
Liberty Mutual $12,656
Nationwide $2,942
State Farm $1,927
USAA $2,743

Category Winners: Cheapest Car Insurance in Watkins, Minnesota

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

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

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

Annual Car Insurance Rates by Coverage Level in Watkins, Minnesota

Insurance Company Low Medium High
Allstate $4,334 $4,390 $4,456
American Family $3,712 $3,819 $3,614
Farmers $3,792 $3,928 $4,027
GEICO $3,045 $3,135 $3,228
Liberty Mutual $12,350 $12,666 $12,951
Nationwide $2,785 $2,962 $3,080
State Farm $1,844 $1,935 $2,003
USAA $2,658 $2,742 $2,830

What affects car insurance rates in Watkins, Minnesota?

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

Commute Time in Watkins

The more time you spend in your car the higher the risk of an accident. The average commute length in Watkins, MN is 25.2 minutes according to City-Data.

Compare Car Insurance Quotes in Watkins, MN

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

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