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Get Cheap Car Insurance in Prior Lake, MN
We monitor insurance prices, helping the average driver in Prior Lake save up to 30.5% on car insurance.
The Cheapest Minimum Coverage in Prior Lake
The chart below shows the cheapest car insurance company in Prior Lake 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.
| Prior Lake Insurer | Monthly Cost |
|---|---|
| State Farm | $51 |
| Auto-Owners Insurance | $57 |
| Kemper | $60 |
| American Family Insurance | $61 |
Savings for Every Kind of Prior Lake Driver
Based on our extensive insurance data, we know the average Prior Lake 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 $436 per year by choosing the right vehicle insurance company. Some Prior Lake residents are paying out over $1,621 extra every year for auto insurance in Prior Lake. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Prior Lake, MN Savings / Yr. |
|---|---|
$436 |
|
$549 |
|
$353 |
|
$718 |
|
$1,230 |
|
$364 |
|
$958 |
Prior Lake Car Insurance vs. Minnesota
People living in Prior Lake pay an average of 0.93% more than the typical driver in the state. The average driver in Prior Lake can expect to pay about $839 per year, or $1,621 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Prior Lake for most people.
Car Insurance Prices by Prior Lake Neighborhood
Insurance Prices
Where is insurance cheapest within Prior Lake?
The map shows insurance prices in and around Prior Lake, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $146 per year within the city boundaries, with insurance premiums ranging from a high of $1,676 to a low of $1,530. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Southeast parts of Prior Lake.Pick the Best Car Insurance Company for You in Prior Lake
The best car insurance provider for most drivers in Prior Lake
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $436 over the average Prior Lake car insurance company.
The best car insurance provider for Prior Lake 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 $549 over the competition.
The best car insurance company for Prior Lake drivers with speeding tickets
>Nationwide gave the average person with a speeding ticket the most savings, averaging $353 better than other car insurance companies.
The best auto insurance for Prior Lake drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $718 less each year.
The least expensive car insurance company for new and young drivers in Prior Lake
In Prior Lake, State Farm costs young drivers $1,230 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Prior Lake
State Farm gave the largest car insurance discounts to married couples, averaging $364 saved each year compared to an average Prior Lake couple's premiums.
The cheapest car insurance in Prior Lake for drivers with bad credit
The best Prior Lake car insurance company for customer service
Nationwide was the best company for customer service in Prior Lake according to the NAIC.
Recent price drops
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The cheapest large national provider in Prior Lake
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Prior Lake 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 Prior Lake, 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 Prior Lake
What Influences the Cost of Car Insurance in Prior Lake?
On average, car insurance in Prior Lake 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 Prior Lake is 31 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 Prior Lake 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.
- Prior Lake 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 Prior Lake is $70 per month for minimum coverage and $135 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
- Savage: Insurance costs 3.70% more
- Marystown: Insurance costs 2.84% less
- Shakopee: Insurance costs 0.25% less
- Lydia: Insurance costs 3.64% less
- Burnsville: Insurance costs 7.65% more
- Lakeville: Insurance costs 1.91% more
- Elko: Insurance costs 0.80% less
- Bloomington: Insurance costs 5.18% more
- Eden Prairie: Insurance costs 2.41% more
- Jordan: Insurance costs 0.43% less
Cities with Similar Populations
- Syracuse: Insurance costs 10.43% less
- Foster City: Insurance costs 25.97% more
- Granger: Insurance costs 27.27% less
- Granite City: Insurance costs 5.68% less
- Independence: Insurance costs 28.07% more
- Jacksonville: Insurance costs 8.33% more
- Kaysville: Insurance costs 11.23% less
- Ken Caryl: Insurance costs 24.31% more
- Kiryas Joel: Insurance costs 57.06% more
- Knightdale: Insurance costs 17.71% less