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 Pine City, MN
We monitor insurance prices, helping the average driver in Pine City save up to 30.5% on car insurance.
The Cheapest Minimum Coverage in Pine City
The chart below shows the cheapest car insurance company in Pine City 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.
| Pine City Insurer | Monthly Cost |
|---|---|
| State Farm | $53 |
| Auto-Owners Insurance | $59 |
| Kemper | $62 |
| American Family Insurance | $63 |
Savings for Every Kind of Pine City Driver
Based on our extensive insurance data, we know the average Pine City 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 $450 per year by choosing the right vehicle insurance company. Some Pine City residents are paying out over $1,673 extra every year for auto insurance in Pine City. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Pine City, MN Savings / Yr. |
|---|---|
$450 |
|
$567 |
|
$365 |
|
$741 |
|
$1,270 |
|
$376 |
|
$989 |
Pine City Car Insurance vs. Minnesota
People living in Pine City pay an average of 4.18% more than the typical driver in the state. The average driver in Pine City can expect to pay about $866 per year, or $1,673 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Pine City for most people.
Car Insurance Prices by Pine City Neighborhood
Insurance Prices
Where is insurance cheapest within Pine City?
The map shows insurance prices in and around Pine City, 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 $1,707 to a low of $1,618. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the South parts of Pine City.Pick the Best Car Insurance Company for You in Pine City
The best car insurance provider for most drivers in Pine City
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $450 over the average Pine City car insurance company.
The best car insurance provider for Pine City 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 $567 over the competition.
The best car insurance company for Pine City 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 Pine City drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $741 less each year.
The least expensive car insurance company for new and young drivers in Pine City
In Pine City, State Farm costs young drivers $1,270 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Pine City
State Farm gave the largest car insurance discounts to married couples, averaging $376 saved each year compared to an average Pine City couple's premiums.
The cheapest car insurance in Pine City for drivers with bad credit
The best Pine City car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Pine City, which was better than other insurers.
The cheapest large national provider in Pine City
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Pine City 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 Pine City, 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 Pine City
What Influences the Cost of Car Insurance in Pine City?
On average, car insurance in Pine City 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 Pine City 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 Pine City 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.
- Pine City has an average population density 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 Pine City 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
- Rock Creek: Insurance costs 1.49% more
- Beroun: Insurance costs 1.32% more
- Henriette: Insurance costs 0.24% more
- Grasston: Insurance costs 0.18% more
- Rush City: Insurance costs 0.96% more
- Brook Park: Insurance costs 0.18% less
- Hinckley: Insurance costs 1.08% less
- Braham: Insurance costs 1.55% more
- Quamba: Insurance costs 0.12% more
- Grantsburg: Insurance costs 29.11% less
Cities with Similar Populations
- Talking Rock: Insurance costs 3.71% more
- Sturbridge: Insurance costs 9.15% less
- Sullivan City: Insurance costs 2.87% more
- Sullivan: Insurance costs 16.44% less
- Summerland Key: Insurance costs 41.78% more
- Summersville: Insurance costs 11.60% less
- Swanton: Insurance costs 29.59% less
- Sweeny: Insurance costs the same
- Tabor City: Insurance costs 20.44% less
- Street: Insurance costs 9.26% more