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Get Cheap Car Insurance in Birchwood Village, MN
We monitor insurance prices, helping the average driver in Birchwood Village save up to 30.5% on car insurance.
The Cheapest Minimum Coverage in Birchwood Village
The chart below shows the cheapest car insurance company in Birchwood Village 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.
| Birchwood Village Insurer | Monthly Cost |
|---|---|
| State Farm | $53 |
| Auto-Owners Insurance | $59 |
| Kemper | $63 |
| American Family Insurance | $63 |
Savings for Every Kind of Birchwood Village Driver
Based on our extensive insurance data, we know the average Birchwood Village 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 $451 per year by choosing the right vehicle insurance company. Some Birchwood Village residents are paying out over $1,678 extra every year for auto insurance in Birchwood Village. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Birchwood Village, MN Savings / Yr. |
|---|---|
$451 |
|
$568 |
|
$366 |
|
$743 |
|
$1,274 |
|
$377 |
|
$991 |
Birchwood Village Car Insurance vs. Minnesota
People living in Birchwood Village pay an average of 4.47% more than the typical driver in the state. The average driver in Birchwood Village can expect to pay about $868 per year, or $1,678 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Birchwood Village for most people.
Car Insurance Prices by Birchwood Village Neighborhood
Insurance Prices
Where is insurance cheapest within Birchwood Village?
The map shows insurance prices in and around Birchwood Village, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $35 per year within the city boundaries, with insurance premiums ranging from a high of $1,705 to a low of $1,670. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Central parts of Birchwood Village.Pick the Best Car Insurance Company for You in Birchwood Village
The best car insurance provider for most drivers in Birchwood Village
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $451 over the average Birchwood Village car insurance company.
The best car insurance provider for Birchwood Village 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 $568 over the competition.
The best car insurance company for Birchwood Village drivers with speeding tickets
>Nationwide gave the average person with a speeding ticket the most savings, averaging $366 better than other car insurance companies.
The best auto insurance for Birchwood Village drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $743 less each year.
The least expensive car insurance company for new and young drivers in Birchwood Village
In Birchwood Village, State Farm costs young drivers $1,274 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Birchwood Village
State Farm gave the largest car insurance discounts to married couples, averaging $377 saved each year compared to an average Birchwood Village couple's premiums.
The cheapest car insurance in Birchwood Village for drivers with bad credit
The best Birchwood Village car insurance company for customer service
Nationwide was the best company for customer service in Birchwood Village according to the NAIC.
Recent price drops
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The cheapest large national provider in Birchwood Village
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Birchwood Village 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 Birchwood Village, 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 Birchwood Village
What Influences the Cost of Car Insurance in Birchwood Village?
On average, car insurance in Birchwood Village 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 city are influenced by the following factors:
- The average commute time in Birchwood Village is 29 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 Birchwood Village are lower than average 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 B- according to CrimeGrade.org.
- Birchwood Village is one of the least populated areas in the state. The city’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 Birchwood Village is $72 per month for minimum coverage and $140 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 Cities
- Mahtomedi: Insurance costs 1.79% more
- Willernie: Insurance costs 2.56% more
- White Bear Lake: Insurance costs the same
- Pine Springs: Insurance costs 2.03% more
- Dellwood: Insurance costs 1.31% less
- Gem Lake: Insurance costs 1.91% more
- North St. Paul: Insurance costs 7.63% more
- Grant: Insurance costs 3.28% less
- Vadnais Heights: Insurance costs 1.31% more
- Oakdale: Insurance costs 3.93% more
Cities with Similar Populations
- Culbertson: Insurance costs 8.82% less
- Tontogany: Insurance costs 37.90% less
- Tiki Island: Insurance costs 2.26% more
- Chunky: Insurance costs 5.96% less
- Coal Center: Insurance costs 17.28% less
- Coalton: Insurance costs 27.18% more
- Cohay: Insurance costs 0.95% more
- Marlboro: Insurance costs 35.46% less
- Colebrook: Insurance costs 33.67% less
- Melvin: Insurance costs 76.34% more