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Get Cheap Car Insurance in Lowry Hill, Minneapolis, MN

We monitor insurance prices, helping the average driver in Lowry Hill save up to 30.5% on car insurance.

 

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The Cheapest Minimum Coverage in Lowry Hill

The chart below shows the cheapest car insurance company in Lowry Hill 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.

 
Lowry Hill Insurer Monthly Cost
State Farm $59
Auto-Owners Insurance $66
Kemper $70
American Family Insurance $70

Savings for Every Kind of Lowry Hill Driver

The table shows how much the average auto insurance customer in Lowry Hill might save by following our recommendations.

Based on our extensive insurance data, we know the average Lowry Hill 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 $503 per year by choosing the right vehicle insurance company. Some Lowry Hill residents are paying out over $1,868 extra every year for auto insurance in Lowry Hill. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Lowry Hill, Minneapolis, MN Savings / Yr.
Drivers with good records
$503
Drivers with accidents
$633
Drivers with speeding tickets
$407
Drivers with a DUI conviction
$827
Young drivers
$1,418
Married drivers
$420
Drivers with bad credit
$1,104

Lowry Hill Car Insurance vs. Minneapolis

People living in Lowry Hill pay an average of 16.33% more than the typical driver in the state. The average driver in Lowry Hill can expect to pay about $967 per year, or $1,868 for full coverage.

Based on our analysis, Farm Bureau will be the cheapest provider in Lowry Hill for most people.

Car Insurance Prices by Lowry Hill Neighborhood

Lowry Hill, Minneapolis, MN map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Lowry Hill?

The map shows insurance prices in and around Lowry Hill, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $399 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,063 to a low of $1,664. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northwest parts of Lowry Hill.

Pick the Best Car Insurance Company for You in Lowry Hill

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Lowry Hill insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Lowry Hill

For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $503 over the average Lowry Hill car insurance company.

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We use the average good driver, paying $114 per month, as our baseline for pricing in Lowry Hill. State Farm, Travelers, and Farm Bureau are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Lowry Hill drivers with accidents on their records

In Lowry Hill getting into an accident will raise premiums an average 32% for a yearly cost of $2,748. That's $879 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Progressive, and Nationwide are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $633 over the competition.

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The best car insurance company for Lowry Hill drivers with speeding tickets

>Nationwide gave the average person with a speeding ticket the most savings, averaging $407 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Lowry Hill, tickets raise premiums on new quotes about $387. If you have a speeding ticket, we recommend State Farm, Progressive, and Nationwide for savings that beat the average insurance cost of $2,256 per year.

The best auto insurance for Lowry Hill drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,217 per year in auto insurance premiums, which was $1,348 more than a driver with no major issues. State Farm, Nationwide, and American Family Insurance penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $827 less each year.

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The least expensive car insurance company for new and young drivers in Lowry Hill

In Lowry Hill, State Farm costs young drivers $1,418 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 62% more for insurance than more mature drivers in Lowry Hill. With an average cost of $4,884 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Travelers, and Auto-Owners Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Lowry Hill

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $151. State Farm, Auto-Owners Insurance, and American Family Insurance provided the largest discounts to couples living in Lowry Hill.

State Farm gave the largest car insurance discounts to married couples, averaging $420 saved each year compared to an average Lowry Hill couple's premiums.

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The cheapest car insurance in Lowry Hill for drivers with bad credit

People with poor credit saved an average of $1,104 with Nationwide.

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Many people are surprised that their poor credit score can cost them an average of $1,747 every year. Premiums for people with poor credit were about $3,616 in Lowry Hill. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Geico, and Nationwide.

The best Lowry Hill car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Lowry Hill, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Farmers Insurance as the best provider in Lowry Hill.

Nationwide was the best company for customer service in Lowry Hill according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Lowry Hill, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Lowry Hill. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Lowry Hill

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 52% of Lowry Hill residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Lowry Hill driver can expect to pay about $116 per month.

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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 Lowry Hill, 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.
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Auto Insurance Prices in and Around Lowry Hill

What Influences the Cost of Car Insurance in Lowry Hill?

On average, car insurance in Lowry Hill is more expensive than the rest of the state. These high 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 neighborhood are influenced by the following factors:

  • The average commute time in Lowry Hill is 25 minutes, which is a little less than average for a driver in the city.
  • Minnesota state insurance regulations may require higher prices.
  • An average of 15 to 16 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Lowry Hill 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 D according to CrimeGrade.org.
  • Lowry Hill has an average population density in the state. The neighborhood’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 Lowry Hill is $81 per month for minimum coverage and $156 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 Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Lowry Hill driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Lowry Hill with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.