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Cheap Auto Insurance Rates Near Me


Cheap Auto Insurance in Stillwater Minnesota

Why Are Car Insurance Rates So Expensive Near Me

Car insurance rates in Minnesota are notoriously high, with Stillwater drivers paying an average of $1,427 per year for car insurance. This is significantly higher than the national average of $896 per year. Minnesota's expensive insurance rates are due to a variety of factors, such as its access to urban areas and large cities that tend to have more accidents than rural areas, as well as stricter rules and regulations imposed by the Minnesota Department of Insurance. Additionally, Minnesota has a no-fault policy for car insurance claims, resulting in higher premiums for all drivers regardless of fault or blame.

Finally, Minnesota has some of the highest minimum liability coverage requirements among states in the US, which also helps drive up costs associated with car insurance policies. For Stillwater drivers, the best way to lower car insurance costs is to shop around for the best rates and coverage options available. Comparing quotes from multiple insurers can help you find a policy that fits your needs at an affordable cost. Additionally, staying accident- and violation-free behind the wheel can also help Minnesota drivers save money on their car insurance premiums.

Car Insurance Quotes by Age of Driver(15 to 70)

Age of Driver Insurance Cost
Teens $4,368
20 Years $1,729
30 Years $1,332
40 Years $1,282
50 Years $1,187
60 Years $1,203
70 Years $1,401

Auto Insurance Rates for Young vs Older People

Minnesota's car insurance rates tend to be lower for older drivers than they are for younger ones. Younger Stillwater drivers, especially those under the age of 25, can expect to pay significantly higher premiums than their older counterparts. This is due in part to Minnesota's graduated licensing system, which imposes tighter restrictions on younger drivers until they gain more experience behind the wheel. Additionally, Stillwater auto insurers view young and inexperienced drivers as a greater risk, resulting in higher premiums for them.

For Stillwater seniors looking to save money on their car insurance policies, it is important to compare quotes from multiple providers and look into discounts such as good driver or low-mileage discounts. These discounts can help Minnesota seniors get the coverage they need at an affordable cost. Minnesota seniors and drivers of any age should also be aware that the Minnesota Department of Insurance regularly reviews and adjusts auto insurance rates, so it is important to stay up-to-date on the latest changes and shop around for the best coverage.

Best Auto Insurance Companies in Minnesota

State Farm

Geico

American Family

Nationwide

Farmers

NAIC Market Share

16.14%

13.45%

2.28%

2.47%

4.16%

S&P Global Ratings

AA

AA+

A

A

A

Average Full Coverage Yearly Premium

$1,163

$1,203

$1,153

$1,348

$1,517

Discount Rating

5 stars

4 stars

4 stars

4 stars

5 stars


State Farm

Geico

American Family

Nationwide

Farmers

NAIC Market Share

16.14%

13.45%

2.28%

2.47%

4.16%

S&P Global Ratings

AA

AA+

A

A

A

Average Full Coverage Yearly Premium

$1,163

$1,203

$1,153

$1,348

$1,517

Discount Rating

5 stars

4 stars

4 stars

4 stars

5 stars


State Farm

Geico

American Family

Nationwide

Farmers

NAIC Market Share

16.14%

13.45%

2.28%

2.47%

4.16%

S&P Global Ratings

AA

AA+

A

A

A

Average Full Coverage Yearly Premium

$1,163

$1,203

$1,153

$1,348

$1,517

Discount Rating

5 stars

4 stars

4 stars

4 stars

5 stars


Car Insurance Companies Near Me

Janet Jezior - State Farm Insurance Agent

1826 Tower Dr W, Stillwater, MN 55082

(651) 439-8600

http://www.janetjezior.com/

Nygard Greg

Stillwater, MN 55082

(651) 439-9030

https://agent.amfam.com/greg-nygard/

MetLife Auto & Home Insurance

305 Greeley St S, Stillwater, MN 55082

(651) 439-4440

https://agents.metlife.com/jeffrey-pohl

Oak Park Heights Car Insurance

Oak Park Heights, MN 55082

(855) 565-1437

No website found

State Farm

Oak Park Heights, MN 55082

No phone number found

No website found

Jeffrey Voss: Allstate Insurance

5901 Omaha Ave N Ste 130, Stillwater, MN 55082

(651) 439-0053

https://agents.allstate.com/jeffrey-voss-stillwater-mn.html

Comparing the Best Car Insurance Companies Nearby

When it comes to car insurance in Stillwater, you want an insurer that will provide you with the coverage and service that you need. To help make sure you get the best deal, we’ve compared some of Minnesota’s top car insurance companies. Each company has been evaluated on important factors such as customer service, discounts offered, financial strength, claims process and more. By looking at all of these factors, we can ensure that Minnesota drivers are getting the most out of their car insurance policies.

State Farm is Minnesota's largest provider of auto insurance coverage and offers a number of great discount options for Stillwater drivers. In addition to offering discounts for safe driving or multi-car policies, State Farm also offers accident forgiveness and coverage for rideshare drivers. Plus, with State Farm’s 24/7 customer service and local agents, Minnesota drivers can feel confident that they’ll get the help they need when they have a claim or question.

Farmers Insurance is another popular option in Stillwater. They offer competitive rates and discounts such as Accident Forgiveness, Good Driver Discounts and Multi-Vehicle Discounts to make sure Minnesota drivers are getting the most out of their policies. Plus, Farmers provides an easy claims process so Minnesota residents can get back on the road quickly after an accident.

Progressive is another great choice for Stillwater drivers looking for car insurance because of its wide range of discounts like good driver discount, multi vehicle discount, and safe driver discount. Plus, Progressive offers 24/7 customer service so Minnesota drivers can get the help they need when they have a claim or question.

Overall, Stillwater residents have a number of great options for car insurance companies. To make sure Minnesota drivers are getting the best deal on their policies, it’s important to compare rates and coverage from multiple providers. By taking the time to shop around, Minnesota drivers can find the policy that works best for them.

Average Annual Premium Increase & Savings per Driving Infraction

Driving Infraction Type Average Annual Premium Potential Quote Savings
DUI$3713$985
Reckless Driving$3227$968
Wrong Way/Wrong Lane$3102$967
Driving on Sus. License$2888$911
Illegal Turn$2876$890
Failure to Obey Traffic Sign$2852$881
Speeding over 15$2754$842
Defective Equipment$2717$822
Speeding under 15$2710$778

How Driving Infractions Increase Insurance Premiums

Stillwater drivers with speeding tickets and other moving violations may face higher insurance premiums. Drivers can expect to pay up to three times more for their car insurance after a driving infraction, and the penalty increases depending on the severity of the violation. Minnesota also has a “point system” that assigns points to different types of traffic offenses, ranging from minor infractions such as speeding to serious offenses like DUI or reckless driving. After accumulating too many points, Minnesota drivers could have their license suspended or revoked. Therefore, it’s crucial for Minnesota drivers to obey all traffic laws and drive safely in order to avoid higher insurance premiums or license suspension.

Average Annual Vehicle Insurance by Credit Score

Credit Rating Average Rate
Average of All Credit Ratings $1290
Below Fair $2178
Poor $2413
Worst $2640

Does Credit Score Matter When Getting Cheaper Quotes?

The short answer is yes, your credit score can impact the cost of your car insurance in Minnesota. Insurers generally view drivers with higher credit scores as less risky and therefore offer them lower rates. Stillwater drivers with poor credit may still be able to get coverage, but they may have to pay higher premiums for the same coverage than drivers with good credit. Therefore Minnesota residents should make sure to check their credit report before shopping around for car insurance quotes so they can get an accurate estimate of what they’ll be paying.

Average Monthly Car Payment Plus Insurance in My Location

Average Monthly Auto Insurance Payment for Liability or Full Coverage in Stillwater Minnesota

Don't Forget The Total Monthly Cost of Your Vehicle

Stillwater drivers should also consider the total cost of their car insurance when comparing quotes. While some insurers may offer lower premiums than others, they might also require higher deductibles or additional fees that can add up quickly. Minnesota drivers should take the time to calculate the total cost of their policy including premiums, deductibles and other fees so they can make sure they are getting the best deal on their car insurance.

To get the most out of Minnesota car insurance policies, it’s important for Stillwater drivers to compare rates and coverage from multiple providers. By taking into account factors such as discounts offered, customer service, financial strength and claims process, Minnesota drivers can find a policy that meets all of their needs at an affordable price.

By taking the time to compare Minnesota car insurance providers, Stillwater drivers can be sure they are getting the coverage they need at a price they can afford. It pays to shop around and compare quotes from multiple insurers so Minnesota residents can be confident that they are getting the best deal on their car insurance.

car insurance companies Stillwater MN

How to Save on Car Insurance in Your Zip Code

Do your research
Compare quotes from different places
Take advantage of policy bundles
Look at vehicle safety ratings
Participate in discount programs through driver training or safe driving rewards
Maintain a good credit rating

Full Coverage vs Liability Only Insurance in Minnesota

Stillwater drivers who are looking for car insurance have the option of full coverage or liability only policies. Full coverage generally includes comprehensive and collision coverage, while liability only typically covers basic bodily injury and property damage costs. Minnesota drivers should consider their individual needs when deciding which type of policy is right for them.

State Auto Insurance Minimums in Minnesota

Minnesota requires all drivers to carry minimum levels of auto insurance. Stillwater drivers must have coverage that includes liability, personal injury protection (PIP), and uninsured/underinsured motorist bodily injury coverage. Minnesota also requires all drivers to purchase optional collision and comprehensive coverage if they are financing their vehicle.

By taking the Minnesota is a state where car insurance is regulated by the Department of Commerce, which sets minimum driver requirements for coverage. Drivers in Stillwater must carry at least liability insurance with limits of 30/60/10 ($30,000 for each person injured in an accident, $60,000 for total injuries in an accident, with a maximum of $10,000 for property damage). With some more time to compare rates from multiple providers, Minnesota drivers can be sure they are getting the coverage they need at a price that works for them. In addition to finding an affordable policy, Minnesota drivers should also obey all traffic e other optional coverages available, Minnesota drivers can find a policy that meets their needs and budget.

Getting Coverage for Teenagers in MN

Minnesota also requires that drivers under the age of 18 carry liability insurance when they are operating a vehicle. It’s important for Stillwater parents to make sure their teen drivers have adequate coverage in case of an accident. Minnesota law allows parents to add their teen drivers onto their policy, which can be more affordable than buying separate policies for each driver.

Do I Need SR-22 Insurance in Minnesota

Stillwater drivers who have been convicted of a DUI or other serious traffic violations may be required to carry SR-22 insurance. SR-22 is not an actual type of insurance, but rather a certificate that shows the driver has the minimum level of liability coverage as required by Minnesota law. Minnesota drivers who are required to file for SR-22 will need to contact their car insurance provider in order to obtain the necessary paperwork.

Should I Increase My Deductible?

Stillwater drivers who are looking to save money on their car insurance may be considering increasing their deductible. Increasing the deductible can help reduce premiums, but it’s important for Minnesota drivers to understand that this decision comes with some risk. A higher deductible means the driver will have to pay more out of pocket in the event of an accident. Minnesota drivers should consider their individual financial situation before deciding whether or not increasing the deductible is right for them.

How Speeding Tickets Affect Insurance Costs in MN

Stillwater drivers who get caught speeding or other traffic violations may face an increase in their insurance premiums. Insurance companies view these violations as risky behaviors and may choose to raise rates accordingly. Minnesota drivers should be aware of the possible consequences of these actions and always obey the speed limit to keep their insurance costs under control.

In Minnesota, car insurance is an important part of driving safely and protecting yourself financially in case of an accident. Stillwater drivers have several options when it comes to finding coverage that suits their needs and budget, from buying only liability coverage to full comprehensive policies with optional coverages like collision and uninsured/underinsured motorist coverage.

Male vs Female Insurance Rates in MN

Minnesota law requires insurance companies to use the same criteria when determining premiums for male and female drivers. This is to ensure that all Stillwater drivers have access to fair rates without any gender bias. Minnesota drivers may still see differences in their rates based on other factors like age, driving record, credit score, and type of vehicle insured.

Benefits of Using a Local Agent or Broker Near Me

Stillwater drivers who are looking for car insurance can choose to work with an independent broker or a local agent. Working with someone in your area can be beneficial as you will have access to personalized service and advice regarding the best coverage options for your needs. Local agents and brokers may also have access to discounts exclusive to Minnesota drivers that aren’t available through other providers.

In Stillwater, car insurance is required for all drivers and it’s important for Minnesota motorists to make sure they are getting the coverage they need at a price that works for them. With so many options available from liability-only policies to comprehensive coverages with optional extras like collision, Minnesota drivers can find an affordable policy that meets their needs. Minnesota also requires SR-22 insurance for drivers who have been convicted of a DUI or other serious traffic violation and Minnesota drivers should be aware of the potential impacts that speeding tickets can have on their premiums. Working with an experienced local agent or broker can help Minnesota motorists find the best rates and coverage to get the most out of their car insurance policy.

Government Auto Insurance Assistance in Minnesota

Stillwater drivers who need help in finding affordable car insurance can look to the Minnesota Automobile Insurance Plan (MAIP) for assistance. The MAIP is a state-run program that offers auto insurance coverage to Minnesota drivers who have been unable to find coverage elsewhere due to their driving record or other factors. Minnesota drivers who are eligible for the MAIP will need to contact the Minnesota Department of Commerce for more information.

High Risk Auto Insurance in MN

Minnesota also offers a high-risk auto insurance program to drivers who have been denied coverage in the past due to their driving record or other factors. Stillwater drivers with multiple moving violations on their record, a DUI conviction, or an at-fault accident can qualify for this type of coverage through one of the approved Minnesota providers. Minnesota drivers should be aware that these policies generally come with higher premiums than standard car insurance policies and may require higher deductibles in case of an accident.

Veterans Auto Insurance Discounts in Minnesota

Minnesota drivers who are veterans or are currently serving in the military may be eligible for a car insurance discount. Minnesota auto insurance providers offer discounts to active and retired service members as a way of thanking them for their service. Stillwater veterans should contact their local insurance agent or broker to find out if they qualify for this type of discount so that they can save money on their car insurance.

Motorcycle Insurance in MN

Stillwater riders who are looking for motorcycle insurance have several options. Minnesota drivers can purchase a standard coverage policy or opt for additional protection such as uninsured motorist coverage and parts and accessories coverage. Minnesota drivers should be aware that there are special laws in place to protect cyclists and they should familiarize themselves with these laws before hitting the open road. Minnesota drivers should also consider purchasing an anti-theft device for their motorcycle to help bring down their premium costs.

Rental Car Coverage in Minnesota

Stillwater drivers who are looking for rental car coverage have several options. Minnesota drivers can choose from a variety of rental car insurance policies that provide coverage for damages and losses that may occur while renting a vehicle. Minnesota drivers should consider the amount of coverage they need and the type of policy that best fits their needs before making their purchase.

car insurance companies Stillwater MN

Shopping for Car Insurance Places Near Me

It's never been easier to shop around for affordable car insurance. You can use online tools to instantly get quotes from car insurance companies in Stillwater, Minnesota. You can also compare rates to other cities in your state such as these: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10.


Make sure to get the right amount of coverage you need. Do you only need Liability insurace, which provides minimum coverage? Some people require Full Coverage, especially when the car is financed.


Once you've done the research, comparison shopped the rates you found, and figured out your discounts, you're now ready to buy the best and cheapest car insurance in Stillwater, MN.

The materials on this website have been created for informational purposes only and are not intended as legal advice. The law changes frequently and the information may not be complete or correct depending on a number of factors.