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Get Cheap Car Insurance in Hermantown, MN
We monitor insurance prices, helping the average driver in Hermantown save up to 30.5% on car insurance.
The Cheapest Minimum Coverage in Hermantown
The chart below shows the cheapest car insurance company in Hermantown 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.
| Hermantown Insurer | Monthly Cost |
|---|---|
| State Farm | $50 |
| Auto-Owners Insurance | $56 |
| Kemper | $59 |
| American Family Insurance | $59 |
Savings for Every Kind of Hermantown Driver
Based on our extensive insurance data, we know the average Hermantown 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 $426 per year by choosing the right vehicle insurance company. Some Hermantown residents are paying out over $1,584 extra every year for auto insurance in Hermantown. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Hermantown, MN Savings / Yr. |
|---|---|
$426 |
|
$537 |
|
$345 |
|
$701 |
|
$1,202 |
|
$356 |
|
$936 |
Hermantown Car Insurance vs. Minnesota
People living in Hermantown pay an average of 1.36% less than the typical driver in the state. The average driver in Hermantown can expect to pay about $820 per year, or $1,584 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Hermantown for most people.
Car Insurance Prices by Hermantown Neighborhood
Insurance Prices
Where is insurance cheapest within Hermantown?
The map shows insurance prices in and around Hermantown, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $63 per year within the city boundaries, with insurance premiums ranging from a high of $1,612 to a low of $1,549. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the North parts of Hermantown.Pick the Best Car Insurance Company for You in Hermantown
The best car insurance provider for most drivers in Hermantown
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $426 over the average Hermantown car insurance company.
The best car insurance provider for Hermantown 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 $537 over the competition.
The best car insurance company for Hermantown drivers with speeding tickets
>Nationwide gave the average person with a speeding ticket the most savings, averaging $345 better than other car insurance companies.
The best auto insurance for Hermantown drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $701 less each year.
The least expensive car insurance company for new and young drivers in Hermantown
In Hermantown, State Farm costs young drivers $1,202 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Hermantown
State Farm gave the largest car insurance discounts to married couples, averaging $356 saved each year compared to an average Hermantown couple's premiums.
The cheapest car insurance in Hermantown for drivers with bad credit
The best Hermantown car insurance company for customer service
Nationwide was the best company for customer service in Hermantown according to the NAIC.
Recent price drops
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The cheapest large national provider in Hermantown
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Hermantown 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 Hermantown, 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 Hermantown
What Influences the Cost of Car Insurance in Hermantown?
On average, car insurance in Hermantown 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 Hermantown is 24 minutes, which is far less than average for a driver in the state.
- Minnesota state insurance regulations may require higher prices.
- An average of 26 to 27 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Hermantown are about 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 D- according to CrimeGrade.org.
- Hermantown 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 Hermantown is $68 per month for minimum coverage and $132 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
- Proctor: Insurance costs 3.98% more
- Duluth: Insurance costs 2.15% more
- Four Corners: Insurance costs 1.52% more
- Harnell Park: Insurance costs 2.21% more
- Esko: Insurance costs 0.88% less
- Superior: Insurance costs 27.78% less
- Oliver: Insurance costs 27.27% less
- Saginaw: Insurance costs 2.78% more
- Scanlon: Insurance costs 1.07% less
- Thomson: Insurance costs 0.06% less
Cities with Similar Populations
- Mattawan: Insurance costs 65.66% more
- Loxley: Insurance costs 1.83% less
- Mabelvale: Insurance costs 9.91% more
- Madison: Insurance costs 23.11% less
- Manteno: Insurance costs 9.72% less
- Manville: Insurance costs 12.82% more
- Marble Falls: Insurance costs 2.02% more
- Markham: Insurance costs 22.41% more
- Marshall: Insurance costs 69.82% more
- Lower Burrell: Insurance costs 13.01% less