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Get Cheap Car Insurance in White Bear Lake, MN
We monitor insurance prices, helping the average driver in White Bear Lake save up to 30.5% on car insurance.
The Cheapest Minimum Coverage in White Bear Lake
The chart below shows the cheapest car insurance company in White Bear 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.
| White Bear Lake Insurer | Monthly Cost |
|---|---|
| State Farm | $53 |
| Auto-Owners Insurance | $59 |
| Kemper | $63 |
| American Family Insurance | $63 |
Savings for Every Kind of White Bear Lake Driver
Based on our extensive insurance data, we know the average White Bear 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 $451 per year by choosing the right vehicle insurance company. Some White Bear Lake residents are paying out over $1,678 extra every year for auto insurance in White Bear Lake. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
White Bear Lake, MN Savings / Yr. |
|---|---|
$451 |
|
$568 |
|
$366 |
|
$743 |
|
$1,273 |
|
$377 |
|
$991 |
White Bear Lake Car Insurance vs. Minnesota
People living in White Bear Lake pay an average of 4.47% more than the typical driver in the state. The average driver in White Bear Lake can expect to pay about $868 per year, or $1,678 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in White Bear Lake for most people.
Car Insurance Prices by White Bear Lake Neighborhood
Insurance Prices
Where is insurance cheapest within White Bear Lake?
The map shows insurance prices in and around White Bear Lake, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $137 per year within the city boundaries, with insurance premiums ranging from a high of $1,743 to a low of $1,606. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the South parts of White Bear Lake.Pick the Best Car Insurance Company for You in White Bear Lake
The best car insurance provider for most drivers in White Bear Lake
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $451 over the average White Bear Lake car insurance company.
The best car insurance provider for White Bear 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 $568 over the competition.
The best car insurance company for White Bear Lake drivers with speeding tickets
>Nationwide gave the average person with a speeding ticket the most savings, averaging $366 better than other car insurance companies.
The best auto insurance for White Bear Lake drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $743 less each year.
The least expensive car insurance company for new and young drivers in White Bear Lake
In White Bear Lake, State Farm costs young drivers $1,273 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in White Bear Lake
State Farm gave the largest car insurance discounts to married couples, averaging $377 saved each year compared to an average White Bear Lake couple's premiums.
The cheapest car insurance in White Bear Lake for drivers with bad credit
The best White Bear Lake car insurance company for customer service
Nationwide was the best company for customer service in White Bear Lake according to the NAIC.
Recent price drops
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The cheapest large national provider in White Bear Lake
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average White Bear 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 White Bear 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 White Bear Lake
What Influences the Cost of Car Insurance in White Bear Lake?
On average, car insurance in White Bear 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 White Bear Lake is 29 minutes, which is about the national 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 White Bear Lake are among the lowest 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.
- White Bear 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 White Bear Lake is $72 per month for minimum coverage and $140 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
- Gem Lake: Insurance costs 1.91% more
- Birchwood Village: Insurance costs the same
- Mahtomedi: Insurance costs 1.79% more
- Vadnais Heights: Insurance costs 1.31% more
- Willernie: Insurance costs 2.56% more
- Dellwood: Insurance costs 1.31% less
- North St. Paul: Insurance costs 7.63% more
- Pine Springs: Insurance costs 2.03% more
- North Oaks: Insurance costs 0.12% less
- Little Canada: Insurance costs 5.96% more
Cities with Similar Populations
- West Hempstead: Insurance costs 79.38% more
- Bellview: Insurance costs 46.25% more
- Belmont: Insurance costs 0.30% less
- Benbrook: Insurance costs 0.60% more
- Berea: Insurance costs 23.00% more
- Branson: Insurance costs 4.05% more
- Bridgewater: Insurance costs 0.60% less
- Byron Center: Insurance costs 58.40% more
- Waukee: Insurance costs 28.49% less
- Wayne: Insurance costs 15.49% less