Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Pelican Rapids, MN
We monitor insurance prices, helping the average driver in Pelican Rapids save up to 30.5% on car insurance.
The Cheapest Minimum Coverage in Pelican Rapids
The chart below shows the cheapest car insurance company in Pelican Rapids 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.
| Pelican Rapids Insurer | Monthly Cost |
|---|---|
| State Farm | $50 |
| Auto-Owners Insurance | $56 |
| Kemper | $59 |
| American Family Insurance | $59 |
Savings for Every Kind of Pelican Rapids Driver
Based on our extensive insurance data, we know the average Pelican Rapids 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 $428 per year by choosing the right vehicle insurance company. Some Pelican Rapids residents are paying out over $1,590 extra every year for auto insurance in Pelican Rapids. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Pelican Rapids, MN Savings / Yr. |
|---|---|
$428 |
|
$539 |
|
$346 |
|
$704 |
|
$1,207 |
|
$357 |
|
$939 |
Pelican Rapids Car Insurance vs. Minnesota
People living in Pelican Rapids pay an average of 1.01% less than the typical driver in the state. The average driver in Pelican Rapids can expect to pay about $823 per year, or $1,590 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Pelican Rapids for most people.
Car Insurance Prices by Pelican Rapids Neighborhood
Insurance Prices
Where is insurance cheapest within Pelican Rapids?
The map shows insurance prices in and around Pelican Rapids, 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 Northeast area, and lower for those with homes in the West parts of Pelican Rapids.Pick the Best Car Insurance Company for You in Pelican Rapids
The best car insurance provider for most drivers in Pelican Rapids
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $428 over the average Pelican Rapids car insurance company.
The best car insurance provider for Pelican Rapids 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 $539 over the competition.
The best car insurance company for Pelican Rapids 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 Pelican Rapids drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $704 less each year.
The least expensive car insurance company for new and young drivers in Pelican Rapids
In Pelican Rapids, State Farm costs young drivers $1,207 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Pelican Rapids
State Farm gave the largest car insurance discounts to married couples, averaging $357 saved each year compared to an average Pelican Rapids couple's premiums.
The cheapest car insurance in Pelican Rapids for drivers with bad credit
The best Pelican Rapids car insurance company for customer service
Nationwide was the best company for customer service in Pelican Rapids according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Pelican Rapids, which was better than other insurers.
The cheapest large national provider in Pelican Rapids
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Pelican Rapids 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 Pelican Rapids, 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 Pelican Rapids
What Influences the Cost of Car Insurance in Pelican Rapids?
On average, car insurance in Pelican Rapids 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 Pelican Rapids is 31 minutes, which is about the national 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 Pelican Rapids are higher than 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 C+ according to CrimeGrade.org.
- Pelican Rapids is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Pelican Rapids is $69 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
- Erhard: Insurance costs 0.50% less
- Lake Eunice: Insurance costs 0.25% less
- Vergas: Insurance costs 0.50% less
- Rothsay: Insurance costs 1.45% less
- Rollag: Insurance costs 0.63% more
- Elizabeth: Insurance costs 2.96% less
- Dent: Insurance costs 0.19% less
- Shoreham: Insurance costs 2.20% less
- Audubon: Insurance costs 0.50% less
- Lake Park: Insurance costs the same
Cities with Similar Populations
- Hawaiian Beaches: Insurance costs 9.75% less
- Freeland: Insurance costs 12.96% less
- Freeland: Insurance costs 13.58% less
- Fremont: Insurance costs 26.92% less
- Galivants Ferry: Insurance costs 2.77% more
- Gang Mills: Insurance costs 27.30% more
- Garfield: Insurance costs 2.77% more
- Garrison: Insurance costs 52.26% more
- Guerneville: Insurance costs 21.45% more
- Hammond: Insurance costs 25.91% less