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Get Cheap Car Insurance in Two Harbors, MN
We monitor insurance prices, helping the average driver in Two Harbors save up to 30.5% on car insurance.
The Cheapest Minimum Coverage in Two Harbors
The chart below shows the cheapest car insurance company in Two Harbors 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.
| Two Harbors Insurer | Monthly Cost |
|---|---|
| State Farm | $52 |
| Auto-Owners Insurance | $57 |
| Kemper | $61 |
| American Family Insurance | $61 |
Savings for Every Kind of Two Harbors Driver
Based on our extensive insurance data, we know the average Two Harbors 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 $438 per year by choosing the right vehicle insurance company. Some Two Harbors residents are paying out over $1,630 extra every year for auto insurance in Two Harbors. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Two Harbors, MN Savings / Yr. |
|---|---|
$438 |
|
$552 |
|
$355 |
|
$721 |
|
$1,237 |
|
$366 |
|
$963 |
Two Harbors Car Insurance vs. Minnesota
People living in Two Harbors pay an average of 1.46% more than the typical driver in the state. The average driver in Two Harbors can expect to pay about $843 per year, or $1,630 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Two Harbors for most people.
Car Insurance Prices by Two Harbors Neighborhood
Insurance Prices
Where is insurance cheapest within Two Harbors?
The map shows insurance prices in and around Two Harbors, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $59 per year within the city boundaries, with insurance premiums ranging from a high of $1,668 to a low of $1,609. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Southeast parts of Two Harbors.Pick the Best Car Insurance Company for You in Two Harbors
The best car insurance provider for most drivers in Two Harbors
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $438 over the average Two Harbors car insurance company.
The best car insurance provider for Two Harbors 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 $552 over the competition.
The best car insurance company for Two Harbors drivers with speeding tickets
>Nationwide gave the average person with a speeding ticket the most savings, averaging $355 better than other car insurance companies.
The best auto insurance for Two Harbors drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $721 less each year.
The least expensive car insurance company for new and young drivers in Two Harbors
In Two Harbors, State Farm costs young drivers $1,237 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Two Harbors
State Farm gave the largest car insurance discounts to married couples, averaging $366 saved each year compared to an average Two Harbors couple's premiums.
The cheapest car insurance in Two Harbors for drivers with bad credit
The best Two Harbors car insurance company for customer service
Nationwide was the best company for customer service in Two Harbors according to the NAIC.
Recent price drops
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The cheapest large national provider in Two Harbors
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Two Harbors 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 Two Harbors, 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 Two Harbors
What Influences the Cost of Car Insurance in Two Harbors?
On average, car insurance in Two Harbors 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:
- 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 Two Harbors are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- Two Harbors 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 Two Harbors is $70 per month for minimum coverage and $136 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
- Waldo: Insurance costs 0.31% more
- Larsmont: Insurance costs 0.31% less
- Knife River: Insurance costs 0.37% less
- Palmers: Insurance costs 0.12% less
- Whyte: Insurance costs 0.67% more
- Highland: Insurance costs 0.18% more
- French River: Insurance costs 1.10% less
- Wales: Insurance costs 0.55% more
- Brimson: Insurance costs 2.21% more
- East Beaver Bay: Insurance costs 0.25% less
Cities with Similar Populations
- Leland: Insurance costs 9.75% more
- Lisbon Falls: Insurance costs 41.04% less
- Lineville: Insurance costs 5.46% less
- Lindsay: Insurance costs 3.13% more
- Lincoln: Insurance costs 1.78% more
- Liberty: Insurance costs 26.75% less
- Lexington: Insurance costs 9.26% more
- Lexington: Insurance costs 81.47% more
- Lewisburg: Insurance costs 11.47% less
- Leoma: Insurance costs 18.04% less