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Get Cheap Car Insurance in Otsego, MN
We monitor insurance prices, helping the average driver in Otsego save up to 30.5% on car insurance.
The Cheapest Minimum Coverage in Otsego
The chart below shows the cheapest car insurance company in Otsego 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.
| Otsego Insurer | Monthly Cost |
|---|---|
| State Farm | $53 |
| Auto-Owners Insurance | $59 |
| Kemper | $62 |
| American Family Insurance | $62 |
Savings for Every Kind of Otsego Driver
Based on our extensive insurance data, we know the average Otsego 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 $449 per year by choosing the right vehicle insurance company. Some Otsego residents are paying out over $1,667 extra every year for auto insurance in Otsego. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Otsego, MN Savings / Yr. |
|---|---|
$449 |
|
$565 |
|
$363 |
|
$738 |
|
$1,266 |
|
$375 |
|
$985 |
Otsego Car Insurance vs. Minnesota
People living in Otsego pay an average of 3.83% more than the typical driver in the state. The average driver in Otsego can expect to pay about $863 per year, or $1,667 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Otsego for most people.
Car Insurance Prices by Otsego Neighborhood
Insurance Prices
Where is insurance cheapest within Otsego?
The map shows insurance prices in and around Otsego, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $71 per year within the city boundaries, with insurance premiums ranging from a high of $1,709 to a low of $1,638. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Southeast parts of Otsego.Pick the Best Car Insurance Company for You in Otsego
The best car insurance provider for most drivers in Otsego
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $449 over the average Otsego car insurance company.
The best car insurance provider for Otsego 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 $565 over the competition.
The best car insurance company for Otsego drivers with speeding tickets
>Nationwide gave the average person with a speeding ticket the most savings, averaging $363 better than other car insurance companies.
The best auto insurance for Otsego drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $738 less each year.
The least expensive car insurance company for new and young drivers in Otsego
In Otsego, State Farm costs young drivers $1,266 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Otsego
State Farm gave the largest car insurance discounts to married couples, averaging $375 saved each year compared to an average Otsego couple's premiums.
The cheapest car insurance in Otsego for drivers with bad credit
The best Otsego car insurance company for customer service
Recent price drops
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The cheapest large national provider in Otsego
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Otsego 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 Otsego, 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 Otsego
What Influences the Cost of Car Insurance in Otsego?
On average, car insurance in Otsego 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 Otsego is 38 minutes, which is far 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 Otsego are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
- Otsego 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 Otsego is $72 per month for minimum coverage and $139 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
- Albertville: Insurance costs 0.42% less
- Elk River: Insurance costs 0.90% more
- St. Michael: Insurance costs 0.96% more
- Rogers: Insurance costs 1.44% less
- Ramsey: Insurance costs 2.58% more
- Hanover: Insurance costs 0.06% more
- Dayton: Insurance costs 2.34% less
- Nowthen: Insurance costs 3.72% more
- Big Lake: Insurance costs 1.26% more
- Monticello: Insurance costs 0.24% more
Cities with Similar Populations
- Nashville: Insurance costs 25.19% less
- Princeton Meadows: Insurance costs 13.68% more
- Portage: Insurance costs 32.57% less
- Port Washington: Insurance costs 33.71% less
- Port Washington: Insurance costs 64.01% more
- Port Royal: Insurance costs 3.18% less
- Pawleys Island: Insurance costs 3.66% less
- Pacific Grove: Insurance costs 10.08% more
- Overland: Insurance costs 20.82% more
- Ottawa: Insurance costs 7.38% less