Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in 55306, MN
We monitor insurance prices, helping the average driver in 55306 save up to 30.5% on car insurance.
The Cheapest Minimum Coverage in 55306
The chart below shows the cheapest car insurance company in 55306 for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Auto-Owners Insurance, Kemper, and American Family Insurance.
| 55306 Insurer | Monthly Cost |
|---|---|
| State Farm | $55 |
| Auto-Owners Insurance | $61 |
| Kemper | $65 |
| American Family Insurance | $65 |
Savings for Every Kind of 55306 Driver
Based on our extensive insurance data, we know the average 55306 driver will save about 27% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $468 per year by choosing the right vehicle insurance company. Some 55306 residents are paying out over $1,741 extra every year for auto insurance in 55306. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
55306, MN Savings / Yr. |
|---|---|
$468 |
|
$590 |
|
$379 |
|
$771 |
|
$1,321 |
|
$391 |
|
$1,028 |
55306 Car Insurance vs. Minnesota
People living in 55306 pay an average of 8.38% more than the typical driver in the state. The average driver in 55306 can expect to pay about $901 per year, or $1,741 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in 55306 for most people.
Car Insurance Prices by 55306 Neighborhood
Insurance Prices
Where is insurance cheapest within 55306?
The map shows insurance prices in and around 55306, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $333 per year within the zip boundaries, with insurance premiums ranging from a high of $1,939 to a low of $1,606. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the South parts of 55306.Pick the Best Car Insurance Company for You in 55306
The best car insurance provider for most drivers in 55306
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $468 over the average 55306 car insurance company.
The best car insurance provider for 55306 drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $590 over the competition.
The best car insurance company for 55306 drivers with speeding tickets
>Nationwide gave the average person with a speeding ticket the most savings, averaging $379 better than other car insurance companies.
The best auto insurance for 55306 drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $771 less each year.
The least expensive car insurance company for new and young drivers in 55306
In 55306, State Farm costs young drivers $1,321 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 55306
State Farm gave the largest car insurance discounts to married couples, averaging $391 saved each year compared to an average 55306 couple's premiums.
The cheapest car insurance in 55306 for drivers with bad credit
The best 55306 car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in 55306, which was better than other insurers.
The cheapest large national provider in 55306
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average 55306 driver can expect to pay about $116 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In 55306, USAA has the best prices for young drivers, drivers with accidents, married couples, good drivers, drivers with speeding tickets, drivers with a DUI conviction, and drivers with bad credit.Auto Insurance Prices in and Around 55306
What Influences the Cost of Car Insurance in 55306?
On average, car insurance in 55306 is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the zip are influenced by the following factors:
- The average commute time in 55306 is 30 minutes, which is about the national average for a driver in the state.
- Minnesota state insurance regulations may require higher prices.
- An average of 19 to 20 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in 55306 are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- 55306 is one of the least populated areas in the state. The zip’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in 55306 is $75 per month for minimum coverage and $145 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Zip Codes
- 55337: Insurance costs 0.34% more
- 55378: Insurance costs 3.27% less
- 55044: Insurance costs 5.17% less
- 55124: Insurance costs 2.81% less
- 55372: Insurance costs 6.89% less
- 55431: Insurance costs 3.50% less
- 55122: Insurance costs 1.84% less
- 55437: Insurance costs 6.20% less
- 55420: Insurance costs 2.76% more
- 55068: Insurance costs 3.56% less
Zip Codes with Similar Populations
- 03246: Insurance costs 30.67% less
- 07001: Insurance costs 18.15% more
- 07646: Insurance costs 17.81% more
- 10606: Insurance costs 65.13% more
- 56304: Insurance costs 4.37% less
- 68505: Insurance costs 20.62% less
- 68504: Insurance costs 17.23% less
- 66202: Insurance costs 8.39% less
- 64056: Insurance costs 9.42% more
- 63050: Insurance costs 5.63% more