Chaska, MN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Chaska, MN, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Factors that can influence the cost of car insurance in Chaska, MN are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

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Chaska, MN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Chaska, MN with that of other cities in and around Chaska.

	Chaska	Louisville	Chanhassen	Dahlgren	Excelsior	Laketown
Average Insurance Rates	$1,343	$1,452	$1,409	$1,426	$1,482	$1,404

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Chaska, MN Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Chaska, MN based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location	Low Deductible ($500)	High Deductible ($1000)
Chaska	$1,783	$1,506
Chanhassen	$2,353	$1,987
Victoria	$1,885	$1,592
Carver	$1,441	$1,217
Louisville	$1,945	$1,643
Dahlgren	$1,701	$1,436
Excelsior	$1,060	$895
Laketown	$1,912	$1,615

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Chaska, MN Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Chaska, MN usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver	Insurance Cost
Teens	$4,358
20 Years	$1,726
30 Years	$1,329
40 Years	$1,279
50 Years	$1,184
60 Years	$1,201
70 Years	$1,398

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Chaska, MN Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Chaska, MN can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars	Auto Insurance Cost	Total Savings
2 Vehicles	$2,364	$322
3 Vehicles	$3,546	$483
4 Vehicles	$4,727	$645

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Chaska, MN Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Chaska, MN.

Location	Average Insurance Cost	Post DUI Insurance Rate
Chaska	$1,343	$2,452
Chanhassen	$1,409	$2,573
Victoria	$1,451	$2,649
Carver	$1,381	$2,521
Louisville	$1,452	$2,651
Dahlgren	$1,426	$2,604
Excelsior	$1,482	$2,706
Laketown	$1,404	$2,563

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Chaska, MN Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score	Insurance Cost
Exceptional (800-850)	$1,152
Excellent (740-799)	$1,315
Good (670-739)	$1,399
Average (580-669)	$1,826
Poor (300-579)	$2,191

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Chaska, MN Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation	Cost Increase	Total Insurance Cost
Driving Without Headlights	+$59	$1,402
Driver's Failure In Showing Documents	+$130	$1,473
Driving With An Expired Registration	+$138	$1,481
Driving At A Considerably Slow Pace	+$291	$1,634
Using A Cellphone While Driving	+$308	$1,651
Running A Red Light	+$313	$1,656
Speeding	+$329	$1,672
Driving A Vehicle Without The Required Permission	+$418	$1,761
Driving With An Expired/Suspended License	+$905	$2,248

Chaska, MN Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature	Insurance Cost
Audible Alarm	$1,289
Active Disabling Device	$1,289
Tracking Device	$1,262
Passive Disabling Device	$1,249

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Latest Auto Insurance Reviews in Chaska, MN | Back to Top