Compare Winthrop, MN Car Insurance Rates (2021)

Car insurance in Winthrop, MN averages $352 a month. Winthrop, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Winthrop car insurance rates, compare quotes from the top car insurance companies in Winthrop, 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 Winthrop is State Farm
  • Average car insurance rates in Winthrop, MN after a DUI are $5,748/year
  • The cheapest car insurance company in Winthrop for teen drivers is State Farm

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

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

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

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

How do age, gender, and marital status affect Winthrop, MN car insurance rates? Every Winthrop, 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 Winthrop, 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 $3,078 $3,078 $2,967 $2,967 $7,050 $10,201 $3,740 $3,928
American Family $2,201 $2,201 $1,992 $1,992 $5,936 $8,657 $2,201 $2,493
Farmers $1,628 $1,624 $1,569 $1,655 $4,524 $4,545 $2,122 $2,039
GEICO $2,420 $2,401 $2,313 $2,248 $5,064 $6,431 $2,267 $2,347
Liberty Mutual $8,952 $8,952 $8,863 $8,863 $17,660 $26,524 $8,952 $12,481
Nationwide $1,823 $1,831 $1,625 $1,722 $4,678 $5,684 $2,143 $2,228
State Farm $1,398 $1,398 $1,247 $1,247 $3,027 $3,730 $1,618 $1,336
USAA $1,866 $1,848 $1,702 $1,702 $4,894 $5,342 $2,429 $2,580

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Minimum Car Insurance in Winthrop, MN

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

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

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

Annual Car Insurance Rates by Credit Score in Winthrop, Minnesota

Insurance Company Poor Fair Good
Allstate $6,761 $3,688 $3,429
American Family $4,689 $3,147 $2,542
Farmers $3,093 $2,222 $2,075
GEICO $3,826 $3,128 $2,606
Liberty Mutual $17,646 $11,407 $8,915
Nationwide $3,229 $2,609 $2,314
State Farm $2,733 $1,672 $1,220
USAA $4,356 $2,156 $1,874

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

Annual Winthrop, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,309 $4,882 $5,927 $4,386
American Family $2,323 $4,193 $4,687 $2,634
Farmers $2,112 $2,656 $2,690 $2,395
GEICO $2,114 $3,362 $5,005 $2,265
Liberty Mutual $9,312 $12,745 $18,523 $10,043
Nationwide $2,163 $2,861 $3,286 $2,558
State Farm $1,724 $2,026 $1,875 $1,875
USAA $2,077 $2,639 $3,989 $2,475

Cheapest Winthrop, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Winthrop, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,050 $10,201
American Family $5,936 $8,657
Farmers $4,524 $4,545
GEICO $5,064 $6,431
Liberty Mutual $17,660 $26,524
Nationwide $4,678 $5,684
State Farm $3,027 $3,730
USAA $4,894 $5,342

Cheapest Winthrop, MN Car Insurance for Seniors

Take a look at Winthrop, 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 Winthrop, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,967 $2,967
American Family $1,992 $1,992
Farmers $1,569 $1,655
GEICO $2,313 $2,248
Liberty Mutual $8,863 $8,863
Nationwide $1,625 $1,722
State Farm $1,247 $1,247
USAA $1,702 $1,702

Cheapest Winthrop, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Winthrop, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,927
American Family $4,687
Farmers $2,690
GEICO $5,005
Liberty Mutual $18,523
Nationwide $3,286
State Farm $1,875
USAA $3,989

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Cheapest Winthrop, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Winthrop, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,626 $4,626
American Family $3,419 $3,500
Farmers $2,463 $2,463
GEICO $3,144 $3,229
Liberty Mutual $12,283 $13,028
Nationwide $2,717 $2,717
State Farm $1,824 $1,926
USAA $2,758 $2,832

The Best Cheap Car Insurance Companies in Winthrop, MN

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

Average Annual Car Insurance Rates by Company in Winthrop, Minnesota

Insurance Company Average Annual Rates
Allstate $4,626
American Family $3,459
Farmers $2,463
GEICO $3,186
Liberty Mutual $12,656
Nationwide $2,717
State Farm $1,875
USAA $2,795

Category Winners: Cheapest Car Insurance in Winthrop, Minnesota

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

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

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

Annual Car Insurance Rates by Coverage Level in Winthrop, Minnesota

Insurance Company Low Medium High
Allstate $4,553 $4,623 $4,703
American Family $3,458 $3,556 $3,363
Farmers $2,371 $2,473 $2,546
GEICO $3,092 $3,185 $3,283
Liberty Mutual $12,350 $12,666 $12,951
Nationwide $2,572 $2,736 $2,843
State Farm $1,798 $1,882 $1,946
USAA $2,709 $2,794 $2,882

What affects car insurance rates in Winthrop, Minnesota?

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

Commute Time in Winthrop

The more time you spend in your car the higher the risk of an accident. The average commute length in Winthrop, MN is 22.0 minutes according to City-Data.

Compare Car Insurance Quotes in Winthrop, MN

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