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Get Cheap Car Insurance in Long Lake, MN
We monitor insurance prices, helping the average driver in Long Lake save up to 30.5% on car insurance.
The Cheapest Minimum Coverage in Long Lake
The chart below shows the cheapest car insurance company in Long Lake 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.
| Long Lake Insurer | Monthly Cost |
|---|---|
| State Farm | $50 |
| Auto-Owners Insurance | $56 |
| Kemper | $59 |
| American Family Insurance | $59 |
Savings for Every Kind of Long Lake Driver
Based on our extensive insurance data, we know the average Long Lake 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 $427 per year by choosing the right vehicle insurance company. Some Long Lake residents are paying out over $1,586 extra every year for auto insurance in Long Lake. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Long Lake, MN Savings / Yr. |
|---|---|
$427 |
|
$537 |
|
$346 |
|
$702 |
|
$1,204 |
|
$356 |
|
$937 |
Long Lake Car Insurance vs. Minnesota
People living in Long Lake pay an average of 1.26% less than the typical driver in the state. The average driver in Long Lake can expect to pay about $821 per year, or $1,586 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Long Lake for most people.
Car Insurance Prices by Long Lake Neighborhood
Insurance Prices
Where is insurance cheapest within Long Lake?
The map shows insurance prices in and around Long Lake, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $89 per year within the city boundaries, with insurance premiums ranging from a high of $1,618 to a low of $1,529. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the East parts of Long Lake.Pick the Best Car Insurance Company for You in Long Lake
The best car insurance provider for most drivers in Long Lake
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $427 over the average Long Lake car insurance company.
The best car insurance provider for Long Lake 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 Long Lake drivers with speeding tickets
>Nationwide gave the average person with a speeding ticket the most savings, averaging $346 better than other car insurance companies.
The best auto insurance for Long Lake drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $702 less each year.
The least expensive car insurance company for new and young drivers in Long Lake
In Long Lake, State Farm costs young drivers $1,204 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Long Lake
State Farm gave the largest car insurance discounts to married couples, averaging $356 saved each year compared to an average Long Lake couple's premiums.
The cheapest car insurance in Long Lake for drivers with bad credit
The best Long Lake car insurance company for customer service
Recent price drops
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The cheapest large national provider in Long Lake
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Long Lake 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 Long Lake, 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 Long Lake
What Influences the Cost of Car Insurance in Long Lake?
On average, car insurance in Long Lake 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 Long Lake is 28 minutes, which is about the national average for a driver in the state.
- Minnesota state insurance regulations may require higher prices.
- An average of 19 to 20 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Long Lake are among the lowest 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.
- Long Lake 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 Long Lake 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
- Orono: Insurance costs 3.09% more
- Wayzata: Insurance costs 4.04% more
- Minnetonka Beach: Insurance costs 5.99% more
- Woodland: Insurance costs 3.22% more
- Medina: Insurance costs 2.52% more
- Deephaven: Insurance costs 2.96% more
- Spring Park: Insurance costs 6.62% more
- Tonka Bay: Insurance costs 3.91% more
- Maple Plain: Insurance costs 0.76% more
- Greenwood: Insurance costs 1.32% more
Cities with Similar Populations
- Milford: Insurance costs 4.29% less
- Roman Forest: Insurance costs 10.28% more
- Paragon: Insurance costs 24.65% less
- Palmyra: Insurance costs 15.89% less
- Oakfield: Insurance costs 13.87% less
- New Berlin: Insurance costs 11.16% less
- Neligh: Insurance costs 11.10% less
- Millwood: Insurance costs 16.65% less
- Millville: Insurance costs 8.51% more
- Millerton: Insurance costs 15.89% less