Buy Cheap Lake Elmo, MN Auto Insurance (2022)

Lake Elmo, MN auto insurance rates average $387 a month. Minimum auto insurance requirements in Lake Elmo, Minnesota are 30/60/10 to comply with Minnesota laws. To buy cheap auto insurance in Lake Elmo, MN, compare Lake Elmo auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Lake Elmo, MN are $387/month
  • Average auto insurance rates in Lake Elmo, MN after a DUI are $6,346/year
  • The most expensive auto insurance company in Lake Elmo is Liberty Mutual

Finding affordable Lake Elmo, Minnesota auto insurance can be challenging, but everything you need to know to buy cheap Lake Elmo, MN auto insurance with confidence is right here. Auto insurance rates in Lake Elmo are affected by local factors as well as personal ones like your driving record.

See how Lake Elmo, MN car insurance rates compare to Plymouth auto insurance rates, Duluth auto insurance rates, and Brooklyn Park auto insurance rates before you read more about the cost of auto insurance in Lake Elmo.

Don’t buy Lake Elmo, MN auto insurance until you’ve compared rates. Get free Lake Elmo, Minnesota auto insurance quotes when you enter your ZIP code above.

Lake Elmo, MN Minimum Auto Insurance Requirements

The required auto insurance in Lake Elmo, MN is 30/60/10 according to the auto insurance laws in Minnesota. The minimum auto insurance in Lake Elmo, Minnesota is outlined here.

Minimum Required Auto Insurance Coverage in Lake Elmo, 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

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Find Cheap Lake Elmo, MN Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Lake Elmo, MN. Take a look at Lake Elmo, Minnesota auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Lake Elmo, Minnesota

Insurance Company Poor Fair Good
Allstate $7,657 $4,182 $3,884
American Family $4,945 $3,237 $2,586
Farmers $3,862 $2,830 $2,648
GEICO $4,083 $3,342 $2,783
Liberty Mutual $18,453 $11,947 $9,343
Nationwide $3,960 $3,197 $2,826
State Farm $3,452 $2,110 $1,539
USAA $4,385 $2,182 $1,915

Buy Cheap Lake Elmo, MN Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Lake Elmo, Minnesota auto insurance rates? Find out how car insurance rates in Lake Elmo, MN are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lake Elmo, 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 $3,496 $3,496 $3,393 $3,393 $8,014 $11,423 $4,282 $4,432
American Family $2,265 $2,265 $2,057 $2,057 $6,268 $8,998 $2,265 $2,541
Farmers $2,000 $2,003 $1,922 $2,044 $5,794 $5,897 $2,638 $2,609
GEICO $2,538 $2,513 $2,415 $2,348 $5,549 $7,002 $2,371 $2,486
Liberty Mutual $9,496 $9,496 $9,407 $9,407 $18,315 $27,293 $9,496 $13,071
Nationwide $2,200 $2,195 $1,962 $2,073 $5,840 $7,044 $2,609 $2,700
State Farm $1,728 $1,728 $1,561 $1,561 $3,916 $4,798 $1,999 $1,645
USAA $1,860 $1,823 $1,707 $1,682 $5,092 $5,516 $2,411 $2,531

Buy Cheap Lake Elmo, MN Auto Insurance for Teen Drivers

Auto insurance for teenagers in Lake Elmo can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Lake Elmo, MN are listed here.

Annual Auto Insurance Rates for Teen Drivers in Lake Elmo, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,014 $11,423
American Family $6,268 $8,998
Farmers $5,794 $5,897
GEICO $5,549 $7,002
Liberty Mutual $18,315 $27,293
Nationwide $5,840 $7,044
State Farm $3,916 $4,798
USAA $5,092 $5,516

Buy Cheap Lake Elmo, MN Auto Insurance for Seniors

You can save on senior auto insurance rates in Lake Elmo, Minnesota by comparing Lake Elmo senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Lake Elmo, MN here.

Annual Auto Insurance Rates for Senior Drivers in Lake Elmo, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,393 $3,393
American Family $2,057 $2,057
Farmers $1,922 $2,044
GEICO $2,415 $2,348
Liberty Mutual $9,407 $9,407
Nationwide $1,962 $2,073
State Farm $1,561 $1,561
USAA $1,707 $1,682

Find Cheap Auto Insurance Rates in Lake Elmo, MN by Coverage Level

The amount of coverage you choose is a big factor in the cost of Lake Elmo, Minnesota auto insurance. Compare Lake Elmo, MN auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Lake Elmo, Minnesota

Insurance Company Low Medium High
Allstate $5,159 $5,237 $5,327
American Family $3,569 $3,686 $3,513
Farmers $2,998 $3,127 $3,215
GEICO $3,271 $3,402 $3,536
Liberty Mutual $12,878 $13,261 $13,604
Nationwide $3,122 $3,358 $3,504
State Farm $2,257 $2,379 $2,466
USAA $2,741 $2,826 $2,916

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Find Cheap Lake Elmo, MN Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Lake Elmo. Compare auto insurance rates in Lake Elmo, MN by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Lake Elmo, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,241 $5,241
American Family $3,548 $3,631
Farmers $3,113 $3,113
GEICO $3,356 $3,450
Liberty Mutual $12,870 $13,625
Nationwide $3,328 $3,328
State Farm $2,300 $2,434
USAA $2,791 $2,864

Find Cheap Lake Elmo, MN Auto Insurance Rates by Driving Record

Auto insurance rates in Lake Elmo, Minnesota are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Lake Elmo, MN, take a look at the average cost for various violations versus rates for a clean driving record in Lake Elmo.

Annual Lake Elmo, Minnesota Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,744 $5,537 $6,688 $4,995
American Family $2,414 $4,333 $4,875 $2,736
Farmers $2,673 $3,344 $3,385 $3,051
GEICO $2,278 $3,594 $5,298 $2,441
Liberty Mutual $9,476 $13,194 $20,108 $10,213
Nationwide $2,653 $3,505 $4,020 $3,134
State Farm $2,160 $2,574 $2,367 $2,367
USAA $2,098 $2,689 $4,030 $2,494

Find Cheap Lake Elmo, MN Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Lake Elmo, Minnesota is higher than for a clean driving record. You can buy auto insurance after a DUI in Lake Elmo for less when you shop around and compare rates from multiple Lake Elmo, MN auto insurance companies.

Annual Auto Insurance Rates After a DUI in Lake Elmo, Minnesota

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,688
American Family $4,875
Farmers $3,385
GEICO $5,298
Liberty Mutual $20,108
Nationwide $4,020
State Farm $2,367
USAA $4,030

Winners by Category: Where to Buy Cheap Auto Insurance in Lake Elmo, MN

Compare rates from the cheapest auto insurance companies in Lake Elmo, MN for your needs. Take a look at how Lake Elmo, Minnesota auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Lake Elmo, Minnesota

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record USAA
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

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Find Cheap Lake Elmo, Minnesota Auto Insurance Companies

If you’re looking for the cheapest Lake Elmo, MN auto insurance companies overall, you can compare them here. Find the best price for Lake Elmo, Minnesota car insurance by company.

Average Annual Auto Insurance Rates by Company in Lake Elmo, Minnesota

Insurance Company Average Annual Rates
Allstate $5,241
American Family $3,590
Farmers $3,113
GEICO $3,403
Liberty Mutual $13,248
Nationwide $3,328
State Farm $2,367
USAA $2,828

What affects Lake Elmo, Minnesota auto insurance rates?

Local factors affect auto insurance rates in Lake Elmo, MN, including traffic, theft statistics, and commute length. Take a look at the things that impact Lake Elmo auto insurance rates.

Commute Times in Lake Elmo

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Lake Elmo, MN is 25.7 minutes according to City-Data.

Compare Auto Insurance Quotes in Lake Elmo, MN

You can buy cheap Lake Elmo, MN auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Lake Elmo, Minnesota auto insurance quotes from top companies.

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