Cheapest Car Insurance Quotes In Brooklyn Park, MN For 2024

In Brooklyn Park, State Farm is notable for offering the most affordable option, with an average monthly rate of $42.

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Updated: 27 March 2024
Written by
Bob Phillips
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When searching for the most affordable car insurance in Brooklyn Park, MN, options can vary, but State Farm stands out for its competitive rates. On average, residents can obtain car insurance for about $42 per month, significantly lower than the state’s average of $103.

For those interested in the most economical liability-only coverage, State Farm emerges as the top choice. Additionally, for drivers seeking comprehensive protection, State Farm provides the best rates for full coverage policies, priced at $94 per month. Even for young drivers, State Farm offers the most affordable rates, starting at $118 per month.

Cheapest Car Insurance Companies In Brooklyn Park, MN

Cheapest Car Insurance, Brooklyn Park, MN

Our Methodology

Utilizing a thorough analysis covering customer service ratings, product options, pricing, and extensive evaluation of various online review sites and user experiences, I've developed a comprehensive understanding of the car insurance provider landscape in Brooklyn Park, MN. This perspective is informed by over 15 years of personal involvement in the industry as a licensed insurance agent. It's enriched by numerous interactions with representatives from different companies and insights derived from firsthand experience.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Brooklyn Park, MN?

State Farm provides the most affordable car insurance in Brooklyn Park, MN, with coverage available for $110 per month.

As illustrated in the table below, its rates are notably lower than the average rates in both the State of Minnesota and the United States overall:

Area Average Monthly Rate
National $152
Minnesota $103
Brooklyn Park, MN $110

Please note that the average national cost encompasses both high-cost states like New York, New Jersey, and California, as well as low-cost states like Mississippi, Kentucky, and Wyoming. Rates can differ by location due to various factors, including vehicle type, coverage amount, zip code, driving record, among others. Therefore, it’s essential to consider these factors when assessing insurance rates.

Cheapest Car Insurance Rates In Brooklyn Park For Seniors

State Farm offers the most budget-friendly car insurance rates for seniors in Brooklyn Park, with an average monthly quote of $58.

Provider Average Monthly Cost Average Annual Cost
Farm Bureau Mutual $69 $826
Auto-Owners $68 $814
American Family $82 $982
State Farm $58 $694
USAA $62 $742

In Minnesota, numerous seniors may encounter favorable car insurance rates, influenced by various advantageous factors. While age often plays a role in determining insurance rates, with older age sometimes linked to reduced driving ability, this stereotype doesn’t apply universally.

Cheapest Car Insurance Rates In Brooklyn Park For Minimum Coverage

State Farm stands out as the most affordable car insurance company for minimum coverage in Brooklyn Park, offering an average monthly cost of $42.

Provider Average Monthly Cost Average Annual Cost
State Farm $42 $500
Auto-Owners $44 $522
American Family $43 $514
GEICO $48 $574
Travelers $49 $581

A minimum car insurance policy should typically include the following coverage:

  • $30,000 for bodily injury per person
  • $60,000 for bodily injury per accident
  • $10,000 for property damage per accident

Having minimum car insurance offers you some level of protection while driving, covering liabilities like bodily injury and property damage to others. However, it lacks collision or comprehensive insurance, leaving your own vehicle unprotected in accidents, theft, or natural disasters.

It’s worth noting that driving without insurance is against the law in Minnesota. Failing to provide proof of insurance during a traffic stop can lead to penalties such as fines, license suspension, or more severe consequences.

Cheapest Car Insurance Rates In Brooklyn Park For Full Coverage

State Farm provides the most affordable car insurance rates for full coverage in Brooklyn Park, with an average monthly quote of $94.

Provider Average Monthly Cost Average Annual Cost
State Farm $94 $1,126
GEICO $200 $2,398
American Family $103 $1,238
Auto-Owners $110 $1,314
Allstate $225 $2,698

Full coverage car insurance extends beyond the basic legal requirements, combining comprehensive and collision coverages.

Comprehensive coverage protects against non-collision incidents such as theft, vandalism, or natural disasters. Collision coverage provides financial protection for vehicle damages resulting from accidents, regardless of fault.

Cheapest Car Insurance Rates In Brooklyn Park For Teenagers

Teenage drivers in Brooklyn Park can obtain the most affordable quotes from Auto-Owners, with average monthly premiums of $287.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $287 $3,442
GEICO $658 $7,894
Travelers $327 $3,921
American Family $444 $5,324
Allstate $550 $6,598

Teenage drivers typically encounter the highest car insurance premiums due to their lack of experience behind the wheel. Insurance providers categorize these young motorists as a high-risk group because they statistically have a higher likelihood of being involved in accidents and committing traffic violations.

Cheapest Car Insurance Rates In Brooklyn Park For Young Adults

State Farm provides the most affordable car insurance quotes for young adults in Brooklyn Park, with rates averaging around $118 per month.

Provider Average Monthly Cost Average Annual Cost
Farm Bureau Mutual $132 $1,582
American Family $141 $1,690
Auto-Owners $147 $1,762
State Farm $118 $1,414
USAA $120 $1,438

In Minnesota, young adult drivers generally enjoy lower car insurance rates compared to teenagers. This difference in pricing is due to the development of driving habits and a corresponding decrease in risky behaviors as drivers mature.

Statistically, young adults are less prone to file claims with insurance companies, indicating a decrease in accident involvement. As a result, insurers adjust premiums downward, acknowledging the improved safety records and reduced likelihood of claims from these more experienced drivers.

Cheapest Car Insurance Rates In Brooklyn Park For Good Drivers

State Farm offers the most budget-friendly car insurance quotes for good drivers in Brooklyn Park, with rates averaging around $42 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $42 $500
Auto-Owners $44 $522
American Family $43 $514
GEICO $48 $574
Travelers $49 $581

Drivers with clean driving records in Brooklyn Park typically receive lower car insurance rates because they’re viewed as lower risk. Insurance companies assess driving records to gauge how safely a person drives. Fewer incidents, such as accidents or traffic violations, indicate that the driver is cautious and less likely to file a claim.

Because insurers determine rates based on the likelihood of a driver making a claim, a spotless driving record can result in significant savings on premiums. It’s all about risk assessment – the cleaner the record, the lower the perceived risk, and therefore, the lower the insurance cost.

Cheapest Car Insurance Rates In Brooklyn Park For Drivers With Prior Incidents

In Brooklyn Park, drivers with records of traffic violations, including accidents, speeding, or DUIs, often encounter challenges in obtaining affordable car insurance. Such driving infractions lead insurance companies to categorize them as high-risk, implying a greater chance of filing future insurance claims.

As a result, insurance providers increase their rates for these individuals to mitigate the risk of potential higher claim payouts.

Cheapest Car Insurance Rates In Brooklyn Park For Drivers With A Speeding Ticket

Compared to other companies, State Farm offers very affordable rates, with average monthly rates of $110.

Provider Average Monthly Cost Average Annual Cost
State Farm $110 $1,318
Travelers $177 $2,122
Geico $258 $3,094
Allstate $329 $4,012
American Family $147 $1,762

Cheapest Car Insurance Rates In Brooklyn Park For Drivers With An At-Fault Accident

State Farm provides the most budget-friendly car insurance quotes for drivers with an at-fault incident, averaging around $120 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $120 $1,438
American Family $259 $3,106
Allstate $390 $3,242
GEICO $400 $4,897
Farmers $347 $4,162

Cheapest Car Insurance Rates In Brooklyn Park For Drivers After A DUI

USAA offers the most budget-friendly rates for drivers with a DUI history, providing Brooklyn Park drivers with average monthly premiums of $188.

Provider Average Monthly Cost Average Annual Cost
USAA $188 $2,319
Travelers $224 $2,686
Farmers $351 $4,210
Geico $715 $8,578
Allstate $407 $4,882

Best Car Insurance Companies In Brooklyn Park

For drivers in Brooklyn Park, selecting the appropriate car insurance company involves finding affordable rates as well as securing reliable protection on the road. Below are the top 10 car insurance companies in Brooklyn Park, MN, ranked by the average monthly rate they offer.

Company Monthly Premium
American Family $112
Farmers $173
North Star $154
Safeco $86
State Farm $91
West Bend Mutual $132
USAA $91
Farm Bureau Mutual $95
Western National $163
Auto-Owners $115

Average Car Insurance Rates By Age In Brooklyn Park

Age Average Yearly Rate
 Teenagers $1,438
20s $1,762
30s $1,282
40s $1,198
50s $1,102
60s $1,510
70s $1,018

Age plays a significant role in determining car insurance rates. Generally, younger drivers, especially teenagers and young adults, encounter higher insurance premiums due to their lack of experience and statistically higher likelihood of accidents and traffic violations. As drivers reach the age of 25, their rates typically begin to decrease, assuming they maintain a clean driving record.

The most favorable insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk potential, thereby influencing the cost of premiums accordingly.

Average Car Insurance Rates By Vehicle Type In Brooklyn Park

Vehicle Average Monthly Rate
Dodge Journey $135
Chevrolet Cruze $84
Hyundai Sonata $203
Jeep Grand Cherokee $154
Ford Edge $80

The type of vehicle you own significantly influences your car insurance costs. Insurance companies consider factors such as the make, model, year, and body type of the car. Typically, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.

Conversely, older cars or those less expensive to repair or replace may attract lower premiums. Insurers take these aspects into account because they directly impact the potential cost of claims. For example, repairs for a high-end car are generally more expensive than for a standard vehicle. Additionally, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.

How Much Is Car Insurance For Other Cities In Minnesota?

City Average Monthly Rate
Apple Valley $100
Edina $125
Shakopee $105
Moorhead $92
Blaine $108
Duluth $90
Eden Prairie $100
Grand Rapids $94
Loretto $100
Mankato $94

The city where you reside has a notable impact on your car insurance rates. Insurance companies evaluate various factors related to your location, such as the likelihood of accidents, vehicle theft, and vandalism rates, which are typically higher in urban areas. This elevated risk often results in higher premiums.

FAQs

Who has the lowest car insurance rates in Brooklyn Park?

The lowest car insurance rates in Brooklyn Park are offered by State Farm for both the minimum coverage required by the State of Minnesota and for full coverage, which includes comprehensive and collision coverage.

What is the average cost of car insurance in Brooklyn Park?

The average cost of car insurance in Brooklyn Park is approximately $110 per month. However, rates can vary based on factors such as your zip code, the year and model of your car, your driving record, and other relevant considerations.

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