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Get Cheap Car Insurance in Sturgeon Lake, MN
We monitor insurance prices, helping the average driver in Sturgeon Lake save up to 30.5% on car insurance.
The Cheapest Minimum Coverage in Sturgeon Lake
The chart below shows the cheapest car insurance company in Sturgeon 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.
| Sturgeon Lake Insurer | Monthly Cost |
|---|---|
| State Farm | $53 |
| Auto-Owners Insurance | $59 |
| Kemper | $62 |
| American Family Insurance | $62 |
Savings for Every Kind of Sturgeon Lake Driver
Based on our extensive insurance data, we know the average Sturgeon 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 $448 per year by choosing the right vehicle insurance company. Some Sturgeon Lake residents are paying out over $1,664 extra every year for auto insurance in Sturgeon Lake. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Sturgeon Lake, MN Savings / Yr. |
|---|---|
$448 |
|
$564 |
|
$363 |
|
$737 |
|
$1,263 |
|
$374 |
|
$983 |
Sturgeon Lake Car Insurance vs. Minnesota
People living in Sturgeon Lake pay an average of 3.61% more than the typical driver in the state. The average driver in Sturgeon Lake can expect to pay about $861 per year, or $1,664 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Sturgeon Lake for most people.
Car Insurance Prices by Sturgeon Lake Neighborhood
Insurance Prices
Where is insurance cheapest within Sturgeon Lake?
The map shows insurance prices in and around Sturgeon Lake, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $16 per year within the city boundaries, with insurance premiums ranging from a high of $1,670 to a low of $1,654. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the East parts of Sturgeon Lake.Pick the Best Car Insurance Company for You in Sturgeon Lake
The best car insurance provider for most drivers in Sturgeon Lake
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $448 over the average Sturgeon Lake car insurance company.
The best car insurance provider for Sturgeon 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 $564 over the competition.
The best car insurance company for Sturgeon Lake 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 Sturgeon Lake drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $737 less each year.
The least expensive car insurance company for new and young drivers in Sturgeon Lake
In Sturgeon Lake, State Farm costs young drivers $1,263 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Sturgeon Lake
State Farm gave the largest car insurance discounts to married couples, averaging $374 saved each year compared to an average Sturgeon Lake couple's premiums.
The cheapest car insurance in Sturgeon Lake for drivers with bad credit
The best Sturgeon Lake car insurance company for customer service
Nationwide was the best company for customer service in Sturgeon Lake according to the NAIC.
Recent price drops
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The cheapest large national provider in Sturgeon Lake
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Sturgeon 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 Sturgeon 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 Sturgeon Lake
What Influences the Cost of Car Insurance in Sturgeon Lake?
On average, car insurance in Sturgeon 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 Sturgeon Lake is 39 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 Sturgeon Lake are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
- Sturgeon Lake is a lightly populated area 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 Sturgeon Lake 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
- Moose Lake: Insurance costs 3.06% less
- Willow River: Insurance costs 0.30% more
- Kerrick: Insurance costs 0.66% less
- Denham: Insurance costs 0.24% more
- Rutledge: Insurance costs 0.12% more
- Duquette: Insurance costs 1.08% less
- Kettle River: Insurance costs 1.26% less
- Bruno: Insurance costs 0.48% less
- Barnum: Insurance costs 2.46% less
- Askov: Insurance costs 0.36% less
Cities with Similar Populations
- Thompson: Insurance costs 18.51% less
- Hackleburg: Insurance costs 6.43% less
- Hampton: Insurance costs 13.46% more
- Lynchburg: Insurance costs 5.05% more
- Maple City: Insurance costs 59.44% more
- Maple Plain: Insurance costs 3.97% less
- Martinsville: Insurance costs 13.76% less
- Milano: Insurance costs 5.35% less
- Mont Alto: Insurance costs 25.84% less
- Rosenhayn: Insurance costs 8.77% more