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Get Cheap Car Insurance in North Oaks, MN
We monitor insurance prices, helping the average driver in North Oaks save up to 30.5% on car insurance.
The Cheapest Minimum Coverage in North Oaks
The chart below shows the cheapest car insurance company in North Oaks 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.
| North Oaks Insurer | Monthly Cost |
|---|---|
| State Farm | $53 |
| Auto-Owners Insurance | $59 |
| Kemper | $63 |
| American Family Insurance | $63 |
Savings for Every Kind of North Oaks Driver
Based on our extensive insurance data, we know the average North Oaks 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 $451 per year by choosing the right vehicle insurance company. Some North Oaks residents are paying out over $1,676 extra every year for auto insurance in North Oaks. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
North Oaks, MN Savings / Yr. |
|---|---|
$451 |
|
$568 |
|
$365 |
|
$742 |
|
$1,272 |
|
$377 |
|
$990 |
North Oaks Car Insurance vs. Minnesota
People living in North Oaks pay an average of 4.35% more than the typical driver in the state. The average driver in North Oaks can expect to pay about $867 per year, or $1,676 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in North Oaks for most people.
Car Insurance Prices by North Oaks Neighborhood
Insurance Prices
Where is insurance cheapest within North Oaks?
The map shows insurance prices in and around North Oaks, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $53 per year within the city boundaries, with insurance premiums ranging from a high of $1,708 to a low of $1,655. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northeast parts of North Oaks.Pick the Best Car Insurance Company for You in North Oaks
The best car insurance provider for most drivers in North Oaks
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $451 over the average North Oaks car insurance company.
The best car insurance provider for North Oaks 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 $568 over the competition.
The best car insurance company for North Oaks drivers with speeding tickets
>Nationwide gave the average person with a speeding ticket the most savings, averaging $365 better than other car insurance companies.
The best auto insurance for North Oaks drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $742 less each year.
The least expensive car insurance company for new and young drivers in North Oaks
In North Oaks, State Farm costs young drivers $1,272 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in North Oaks
State Farm gave the largest car insurance discounts to married couples, averaging $377 saved each year compared to an average North Oaks couple's premiums.
The cheapest car insurance in North Oaks for drivers with bad credit
The best North Oaks car insurance company for customer service
Nationwide was the best company for customer service in North Oaks according to the NAIC.
Recent price drops
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The cheapest large national provider in North Oaks
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average North Oaks 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 North Oaks, 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 North Oaks
What Influences the Cost of Car Insurance in North Oaks?
On average, car insurance in North Oaks 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 city are influenced by the following factors:
- The average commute time in North Oaks is 33 minutes, which is a little more 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 North Oaks are among the highest 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 C+ according to CrimeGrade.org.
- North Oaks 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 North Oaks is $72 per month for minimum coverage and $140 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
- Shoreview: Insurance costs 1.13% more
- Vadnais Heights: Insurance costs 1.43% more
- Gem Lake: Insurance costs 2.03% more
- Lino Lakes: Insurance costs 1.01% less
- White Bear Lake: Insurance costs 0.12% more
- Circle Pines: Insurance costs 0.42% more
- Arden Hills: Insurance costs 0.66% less
- Lexington: Insurance costs 4.24% more
- Centerville: Insurance costs 0.18% more
- Little Canada: Insurance costs 6.09% more
Cities with Similar Populations
- Bayville: Insurance costs 57.34% more
- Watsontown: Insurance costs 24.40% less
- Waterford: Insurance costs 19.03% less
- Warrenton: Insurance costs 15.45% less
- Walworth: Insurance costs 25.60% more
- Berwick: Insurance costs 44.51% less
- Berkley: Insurance costs 5.73% less
- Belford: Insurance costs 5.85% more
- Bedford: Insurance costs 44.09% more
- Bedford Hills: Insurance costs 61.63% more