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Get Cheap Car Insurance in 56116, MN
We monitor insurance prices, helping the average driver in 56116 save up to 30.5% on car insurance.
The Cheapest Minimum Coverage in 56116
The chart below shows the cheapest car insurance company in 56116 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.
| 56116 Insurer | Monthly Cost |
|---|---|
| State Farm | $48 |
| Auto-Owners Insurance | $53 |
| Kemper | $57 |
| American Family Insurance | $57 |
Savings for Every Kind of 56116 Driver
Based on our extensive insurance data, we know the average 56116 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 $407 per year by choosing the right vehicle insurance company. Some 56116 residents are paying out over $1,514 extra every year for auto insurance in 56116. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
56116, MN Savings / Yr. |
|---|---|
$407 |
|
$513 |
|
$330 |
|
$670 |
|
$1,150 |
|
$340 |
|
$895 |
56116 Car Insurance vs. Minnesota
People living in 56116 pay an average of 5.70% less than the typical driver in the state. The average driver in 56116 can expect to pay about $784 per year, or $1,514 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in 56116 for most people.
Car Insurance Prices by 56116 Neighborhood
Insurance Prices
Where is insurance cheapest within 56116?
The map shows insurance prices in and around 56116, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $30 per year within the zip boundaries, with insurance premiums ranging from a high of $1,541 to a low of $1,511. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Central parts of 56116.Pick the Best Car Insurance Company for You in 56116
The best car insurance provider for most drivers in 56116
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $407 over the average 56116 car insurance company.
The best car insurance provider for 56116 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 $513 over the competition.
The best car insurance company for 56116 drivers with speeding tickets
>Nationwide gave the average person with a speeding ticket the most savings, averaging $330 better than other car insurance companies.
The best auto insurance for 56116 drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $670 less each year.
The least expensive car insurance company for new and young drivers in 56116
In 56116, State Farm costs young drivers $1,150 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 56116
State Farm gave the largest car insurance discounts to married couples, averaging $340 saved each year compared to an average 56116 couple's premiums.
The cheapest car insurance in 56116 for drivers with bad credit
The best 56116 car insurance company for customer service
Recent price drops
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The cheapest large national provider in 56116
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average 56116 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 56116, 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 56116
What Influences the Cost of Car Insurance in 56116?
On average, car insurance in 56116 is actually less expensive than the rest of the state. These low 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 56116 is 28 minutes, which is about the national average for a driver in the state.
- Minnesota state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in 56116 are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
- 56116 has an average population density in the state. The zip’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in 56116 is $65 per month for minimum coverage and $126 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
- 56138: Insurance costs 1.78% more
- 57068: Insurance costs 1.32% less
- 56156: Insurance costs 0.99% more
- 56173: Insurance costs 1.39% more
- 57005: Insurance costs 1.25% less
- 57030: Insurance costs 0.33% less
- 56146: Insurance costs 0.59% more
- 56134: Insurance costs 0.66% more
- 56158: Insurance costs 0.66% more
- 57110: Insurance costs 2.25% more
Zip Codes with Similar Populations
- 41360: Insurance costs 53.70% more
- 97870: Insurance costs 10.90% less
- 47535: Insurance costs 20.94% less
- 47335: Insurance costs 20.81% less
- 45330: Insurance costs 27.54% less
- 45062: Insurance costs 27.41% less
- 44815: Insurance costs 30.25% less
- 43407: Insurance costs 31.11% less
- 43323: Insurance costs 30.91% less
- 43157: Insurance costs 25.30% less