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 Detroit Lakes, MN
We monitor insurance prices, helping the average driver in Detroit Lakes save up to 30.5% on car insurance.
The Cheapest Minimum Coverage in Detroit Lakes
The chart below shows the cheapest car insurance company in Detroit Lakes 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.
| Detroit Lakes Insurer | Monthly Cost |
|---|---|
| State Farm | $49 |
| Auto-Owners Insurance | $55 |
| Kemper | $58 |
| American Family Insurance | $58 |
Savings for Every Kind of Detroit Lakes Driver
Based on our extensive insurance data, we know the average Detroit Lakes 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 $419 per year by choosing the right vehicle insurance company. Some Detroit Lakes residents are paying out over $1,559 extra every year for auto insurance in Detroit Lakes. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Detroit Lakes, MN Savings / Yr. |
|---|---|
$419 |
|
$528 |
|
$340 |
|
$690 |
|
$1,183 |
|
$350 |
|
$921 |
Detroit Lakes Car Insurance vs. Minnesota
People living in Detroit Lakes pay an average of 2.94% less than the typical driver in the state. The average driver in Detroit Lakes can expect to pay about $807 per year, or $1,559 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Detroit Lakes for most people.
Car Insurance Prices by Detroit Lakes Neighborhood
Insurance Prices
Where is insurance cheapest within Detroit Lakes?
The map shows insurance prices in and around Detroit Lakes, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $126 per year within the city boundaries, with insurance premiums ranging from a high of $1,656 to a low of $1,530. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the West parts of Detroit Lakes.Pick the Best Car Insurance Company for You in Detroit Lakes
The best car insurance provider for most drivers in Detroit Lakes
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $419 over the average Detroit Lakes car insurance company.
The best car insurance provider for Detroit Lakes 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 $528 over the competition.
The best car insurance company for Detroit Lakes drivers with speeding tickets
>Nationwide gave the average person with a speeding ticket the most savings, averaging $340 better than other car insurance companies.
The best auto insurance for Detroit Lakes drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $690 less each year.
The least expensive car insurance company for new and young drivers in Detroit Lakes
In Detroit Lakes, State Farm costs young drivers $1,183 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Detroit Lakes
State Farm gave the largest car insurance discounts to married couples, averaging $350 saved each year compared to an average Detroit Lakes couple's premiums.
The cheapest car insurance in Detroit Lakes for drivers with bad credit
The best Detroit Lakes car insurance company for customer service
Nationwide was the best company for customer service in Detroit Lakes according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Detroit Lakes, which was better than other insurers.
The cheapest large national provider in Detroit Lakes
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Detroit Lakes 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 Detroit Lakes, 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 Detroit Lakes
What Influences the Cost of Car Insurance in Detroit Lakes?
On average, car insurance in Detroit Lakes 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 Detroit Lakes is 22 minutes, which is far less than 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 Detroit Lakes are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- Detroit Lakes has an average population density 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 Detroit Lakes is $67 per month for minimum coverage and $130 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
- Shoreham: Insurance costs 0.26% less
- Westbury: Insurance costs 0.71% less
- Rochert: Insurance costs 1.60% more
- Audubon: Insurance costs 1.48% more
- Lake Eunice: Insurance costs 1.73% more
- Callaway: Insurance costs 1.28% more
- Frazee: Insurance costs 0.77% more
- Vergas: Insurance costs 1.48% more
- Richwood: Insurance costs 2.31% more
- Lake Park: Insurance costs 1.99% more
Cities with Similar Populations
- Great Lakes: Insurance costs 0.77% less
- Hampton Bays: Insurance costs 64.02% more
- Hampstead: Insurance costs 15.72% more
- Gulf Shores: Insurance costs 2.37% less
- Gretna: Insurance costs 10.26% less
- Greenville: Insurance costs 13.09% less
- Greendale: Insurance costs 25.91% less
- Greencastle: Insurance costs 24.89% less
- Greece: Insurance costs 40.47% more
- Union City: Insurance costs 12.70% less