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Get Cheap Car Insurance in Fairmont, MN
We monitor insurance prices, helping the average driver in Fairmont save up to 30.5% on car insurance.
The Cheapest Minimum Coverage in Fairmont
The chart below shows the cheapest car insurance company in Fairmont 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.
| Fairmont Insurer | Monthly Cost |
|---|---|
| State Farm | $48 |
| Auto-Owners Insurance | $54 |
| Kemper | $57 |
| American Family Insurance | $57 |
Savings for Every Kind of Fairmont Driver
Based on our extensive insurance data, we know the average Fairmont 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 $410 per year by choosing the right vehicle insurance company. Some Fairmont residents are paying out over $1,525 extra every year for auto insurance in Fairmont. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Fairmont, MN Savings / Yr. |
|---|---|
$410 |
|
$516 |
|
$332 |
|
$675 |
|
$1,157 |
|
$343 |
|
$901 |
Fairmont Car Insurance vs. Minnesota
People living in Fairmont pay an average of 5.06% less than the typical driver in the state. The average driver in Fairmont can expect to pay about $789 per year, or $1,525 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Fairmont for most people.
Car Insurance Prices by Fairmont Neighborhood
Insurance Prices
Where is insurance cheapest within Fairmont?
The map shows insurance prices in and around Fairmont, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $100 per year within the city boundaries, with insurance premiums ranging from a high of $1,582 to a low of $1,482. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the North parts of Fairmont.Pick the Best Car Insurance Company for You in Fairmont
The best car insurance provider for most drivers in Fairmont
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $410 over the average Fairmont car insurance company.
The best car insurance provider for Fairmont 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 $516 over the competition.
The best car insurance company for Fairmont drivers with speeding tickets
>Nationwide gave the average person with a speeding ticket the most savings, averaging $332 better than other car insurance companies.
The best auto insurance for Fairmont drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $675 less each year.
The least expensive car insurance company for new and young drivers in Fairmont
In Fairmont, State Farm costs young drivers $1,157 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Fairmont
State Farm gave the largest car insurance discounts to married couples, averaging $343 saved each year compared to an average Fairmont couple's premiums.
The cheapest car insurance in Fairmont for drivers with bad credit
The best Fairmont car insurance company for customer service
Recent price drops
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The cheapest large national provider in Fairmont
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Fairmont 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 Fairmont, 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 Fairmont
What Influences the Cost of Car Insurance in Fairmont?
On average, car insurance in Fairmont 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 Fairmont is 17 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 Fairmont 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.
- Fairmont 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 Fairmont is $66 per month for minimum coverage and $127 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
- Imogene: Insurance costs 1.51% less
- Wilbert: Insurance costs 2.62% less
- Northrop: Insurance costs 2.30% less
- Granada: Insurance costs 1.05% less
- Welcome: Insurance costs 1.77% more
- Ceylon: Insurance costs 1.51% more
- Guckeen: Insurance costs 0.39% less
- Truman: Insurance costs 1.44% more
- Pilot Grove: Insurance costs 0.98% less
- Huntley: Insurance costs 0.52% less
Cities with Similar Populations
- East Bethel: Insurance costs 12.07% more
- Chipley: Insurance costs 55.08% more
- Clay: Insurance costs 8.79% more
- Concord: Insurance costs 0.20% more
- Conway: Insurance costs 78.49% more
- Delavan: Insurance costs 27.74% less
- Dobbs Ferry: Insurance costs 71.61% more
- Dudley: Insurance costs 1.51% more
- Duson: Insurance costs 100.85% more
- Cheval: Insurance costs 91.34% more