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Get Cheap Car Insurance in Cosmos, MN
We monitor insurance prices, helping the average driver in Cosmos save up to 30.5% on car insurance.
The Cheapest Minimum Coverage in Cosmos
The chart below shows the cheapest car insurance company in Cosmos 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.
| Cosmos Insurer | Monthly Cost |
|---|---|
| State Farm | $50 |
| Auto-Owners Insurance | $56 |
| Kemper | $59 |
| American Family Insurance | $59 |
Savings for Every Kind of Cosmos Driver
Based on our extensive insurance data, we know the average Cosmos 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 $424 per year by choosing the right vehicle insurance company. Some Cosmos residents are paying out over $1,577 extra every year for auto insurance in Cosmos. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Cosmos, MN Savings / Yr. |
|---|---|
$424 |
|
$534 |
|
$344 |
|
$698 |
|
$1,197 |
|
$354 |
|
$932 |
Cosmos Car Insurance vs. Minnesota
People living in Cosmos pay an average of 1.82% less than the typical driver in the state. The average driver in Cosmos can expect to pay about $816 per year, or $1,577 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Cosmos for most people.
Car Insurance Prices by Cosmos Neighborhood
Insurance Prices
Where is insurance cheapest within Cosmos?
The map shows insurance prices in and around Cosmos, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $82 per year within the city boundaries, with insurance premiums ranging from a high of $1,593 to a low of $1,511. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southeast parts of Cosmos.Pick the Best Car Insurance Company for You in Cosmos
The best car insurance provider for most drivers in Cosmos
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $424 over the average Cosmos car insurance company.
The best car insurance provider for Cosmos 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 $534 over the competition.
The best car insurance company for Cosmos drivers with speeding tickets
>Nationwide gave the average person with a speeding ticket the most savings, averaging $344 better than other car insurance companies.
The best auto insurance for Cosmos drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $698 less each year.
The least expensive car insurance company for new and young drivers in Cosmos
In Cosmos, State Farm costs young drivers $1,197 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Cosmos
State Farm gave the largest car insurance discounts to married couples, averaging $354 saved each year compared to an average Cosmos couple's premiums.
The cheapest car insurance in Cosmos for drivers with bad credit
The best Cosmos car insurance company for customer service
Recent price drops
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The cheapest large national provider in Cosmos
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Cosmos 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 Cosmos, 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 Cosmos
What Influences the Cost of Car Insurance in Cosmos?
On average, car insurance in Cosmos 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 city are influenced by the following factors:
- The average commute time in Cosmos 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 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Cosmos are about 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 C+ according to CrimeGrade.org.
- Cosmos is one of the most densely populated areas in the state. The city’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 Cosmos is $68 per month for minimum coverage and $131 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
- Cedar Mills: Insurance costs 2.73% less
- Strout: Insurance costs 0.25% more
- Lake Lillian: Insurance costs 1.46% less
- Lakeside: Insurance costs 2.92% less
- Greenleaf: Insurance costs 0.76% less
- Hector: Insurance costs 0.95% less
- Buffalo Lake: Insurance costs 0.06% less
- Atwater: Insurance costs 0.38% more
- Bird Island: Insurance costs 1.78% less
- Litchfield: Insurance costs 0.38% less
Cities with Similar Populations
- Jay: Insurance costs 37.03% more
- Runge: Insurance costs 1.08% more
- Paw Paw: Insurance costs 8.56% less
- Man: Insurance costs 5.26% more
- Ledbetter: Insurance costs 3.30% more
- Lafitte: Insurance costs 105.71% more
- Lafayette: Insurance costs 2.73% less
- La Moille: Insurance costs 10.91% less
- Kingston: Insurance costs 27.90% less
- Keystone: Insurance costs 6.91% more