Dellwood Auto Insurance Rates, Quotes, Agents & Reviews in MN

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

Zimlon, through its research, found that car owners in Dellwood, 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.

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Factors that can influence the cost of car insurance in Dellwood, 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.


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

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

Dellwood White Bear Willernie Mahtomedi White Bear Lake Pine Springs
Average Insurance Rates $1,563 $1,350 $1,643 $1,379 $1,313 $1,448

Dellwood, 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 Dellwood, 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)
Dellwood $2,019 $1,705
Mahtomedi $1,884 $1,591
Birchwood Village $1,012 $855
White Bear $1,563 $1,320
Grant $1,903 $1,608
Willernie $1,238 $1,046
White Bear Lake $1,240 $1,047
Pine Springs $1,204 $1,017

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

Teenagers in Dellwood, 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 $5,072
20 Years $2,008
30 Years $1,547
40 Years $1,488
50 Years $1,378
60 Years $1,397
70 Years $1,627

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

Car owners in Dellwood, 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 $2,657 $469
3 Vehicles $3,986 $703
4 Vehicles $5,314 $938

Savings on 2 Vehicles bundle:$469

Savings on 3 Vehicles bundle:$703

Savings on 4 Vehicles bundle:$938


Dellwood, 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 Dellwood, MN.

Location Average Insurance Cost Post DUI Insurance Rate
Dellwood $1,563 $2,854
Mahtomedi $1,379 $2,518
Birchwood Village $1,401 $2,558
White Bear $1,350 $2,465
Grant $1,470 $2,684
Willernie $1,643 $3,000
White Bear Lake $1,313 $2,397
Pine Springs $1,448 $2,644

Dellwood, 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) $1,341
Excellent (740-799) $1,531
Good (670-739) $1,629
Average (580-669) $2,125
Poor (300-579) $2,549

Dellwood, MN Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Mark Ellingson Allstate 1690 McKnight Rd N, Maplewood, 55109 (651) 917-2445
Paul Mccarthy State Farm 11200 Stillwtr Blvd N Ste 107, Lake Elmo, 55042-8625 651-748-9400
Western Insurance Agency Inc Liberty Mutual Independent 1740 RICE ST STE 200, ST PAUL, 55113 651-489-4119
Western Insurance Agency Inc Liberty Mutual Independent 1740 RICE ST STE 200, ST PAUL, 55113 651-489-4119
Roelofs Insurance Agency None 313 Stillwater Rd , Willernie, 55090 None
Roelofs Insurance Agency None 313 Stillwater Rd , Willernie, 55090 None
Andy Lamarucciola State Farm 2297 Stillwater Rd E, Saint Paul, 55119-3854 651-738-2863
Matthew A Wood Agency Llc Travelers 7595 CURRELL BLVD 25950, WOODBURY, 55125 763-228-7053

Dellwood, 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 +$69 $1,632
Driver's Failure In Showing Documents +$152 $1,715
Driving With An Expired Registration +$161 $1,724
Driving At A Considerably Slow Pace +$339 $1,902
Using A Cellphone While Driving +$358 $1,921
Running A Red Light +$364 $1,927
Speeding +$383 $1,946
Driving A Vehicle Without The Required Permission +$486 $2,049
Driving With An Expired/Suspended License +$1,053 $2,616

Dellwood, 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 $1,500
Active Disabling Device $1,500
Tracking Device $1,469
Passive Disabling Device $1,454