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 Waite Park, Minneapolis, MN

We monitor insurance prices, helping the average driver in Waite Park save up to 30.5% on car insurance.

 

Start Saving

;

The Cheapest Minimum Coverage in Waite Park

The chart below shows the cheapest car insurance company in Waite Park 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.

 
Waite Park Insurer Monthly Cost
State Farm $56
Auto-Owners Insurance $63
Kemper $66
American Family Insurance $66

Savings for Every Kind of Waite Park Driver

The table shows how much the average auto insurance customer in Waite Park might save by following our recommendations.

Based on our extensive insurance data, we know the average Waite Park 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 $478 per year by choosing the right vehicle insurance company. Some Waite Park residents are paying out over $1,777 extra every year for auto insurance in Waite Park. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Waite Park, Minneapolis, MN Savings / Yr.
Drivers with good records
$478
Drivers with accidents
$602
Drivers with speeding tickets
$387
Drivers with a DUI conviction
$787
Young drivers
$1,349
Married drivers
$399
Drivers with bad credit
$1,050

Waite Park Car Insurance vs. Minneapolis

People living in Waite Park pay an average of 10.64% more than the typical driver in the state. The average driver in Waite Park can expect to pay about $919 per year, or $1,777 for full coverage.

Based on our analysis, Farm Bureau will be the cheapest provider in Waite Park for most people.

Car Insurance Prices by Waite Park Neighborhood

Waite Park, Minneapolis, MN map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Waite Park?

The map shows insurance prices in and around Waite Park, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $72 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,805 to a low of $1,733. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Northeast parts of Waite Park.

Pick the Best Car Insurance Company for You in Waite Park

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Waite Park insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Waite Park

For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $478 over the average Waite Park car insurance company.

Visit Site

We use the average good driver, paying $108 per month, as our baseline for pricing in Waite Park. State Farm, Travelers, and Farm Bureau are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Waite Park drivers with accidents on their records

In Waite Park getting into an accident will raise premiums an average 32% for a yearly cost of $2,613. That's $836 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Progressive, and Nationwide are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $602 over the competition.

Visit Site

The best car insurance company for Waite Park drivers with speeding tickets

>Nationwide gave the average person with a speeding ticket the most savings, averaging $387 better than other car insurance companies.

Visit Site

Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Waite Park, tickets raise premiums on new quotes about $368. If you have a speeding ticket, we recommend State Farm, Progressive, and Nationwide for savings that beat the average insurance cost of $2,145 per year.

The best auto insurance for Waite Park drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,059 per year in auto insurance premiums, which was $1,282 more than a driver with no major issues. State Farm, Nationwide, and American Family Insurance penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $787 less each year.

Visit Site

The least expensive car insurance company for new and young drivers in Waite Park

In Waite Park, State Farm costs young drivers $1,349 less each year versus the average auto insurance bill.

Visit Site

Teen drivers account for more than their share of accidents, and thus end up paying about 62% more for insurance than more mature drivers in Waite Park. With an average cost of $4,645 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Travelers, and Auto-Owners Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Waite Park

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $144. State Farm, Auto-Owners Insurance, and American Family Insurance provided the largest discounts to couples living in Waite Park.

State Farm gave the largest car insurance discounts to married couples, averaging $399 saved each year compared to an average Waite Park couple's premiums.

Visit Site

The cheapest car insurance in Waite Park for drivers with bad credit

People with poor credit saved an average of $1,050 with Nationwide.

Visit Site

Many people are surprised that their poor credit score can cost them an average of $1,662 every year. Premiums for people with poor credit were about $3,439 in Waite Park. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Geico, and Nationwide.

The best Waite Park car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Waite Park, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Farmers Insurance as the best provider in Waite Park.

Nationwide was the best company for customer service in Waite Park according to the NAIC.

Visit Site

Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Waite Park, which was better than other insurers.

Visit Site

During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Waite Park. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Waite Park

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 16% of Waite Park residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Waite Park driver can expect to pay about $116 per month.

Visit Site

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 Waite Park, 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.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Waite Park

What Influences the Cost of Car Insurance in Waite Park?

On average, car insurance in Waite Park 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 neighborhood are influenced by the following factors:

  • The average commute time in Waite Park is 28 minutes, which is a little more than average for a driver in the city.
  • 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 Waite Park are among the highest 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 C according to CrimeGrade.org.
  • Waite Park has an average population density in the state. The neighborhood’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 Waite Park is $77 per month for minimum coverage and $148 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 Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Waite Park driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Waite Park with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.