Elk River, MN Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Elk River, 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 Elk River, 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.
- Elk River, MN Auto Insurance Rates
- Elk River, MN Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Elk River, MN
- Multi Vehicle Insurance Savings in Elk River, MN
- How Credit Score Affects Car Insurance Rates in Elk River, MN
- How DUI Affects Auto Insurance Premiums in Elk River, MN
- Top Auto Insurance Agents Near Elk River, MN
- How Driving Violations Affect Auto Insurance Rates in Elk River, MN
- Elk River, MN Auto Insurance Discounts on Anti Theft Feature
- Elk River, MN Auto Insurance Company Reviews
Elk River, MN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Elk River, MN with that of other cities in and around Elk River.
| Elk River | Albertville | Livonia | Big Lake | Zimmerman | Nowthen | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,329 | $1,309 | $1,331 | $1,292 | $1,285 | $1,365 |
Elk River, 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 Elk River, 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) |
|---|---|---|
| Elk River | $1,397 | $1,180 |
| Nowthen | $1,280 | $1,081 |
| Otsego | $1,237 | $1,045 |
| Livonia | $1,138 | $961 |
| Ramsey | $1,765 | $1,491 |
| Zimmerman | $1,476 | $1,247 |
| Albertville | $1,382 | $1,168 |
| Big Lake | $1,552 | $1,311 |
Elk River, MN Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Elk River, 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 | $4,312 |
| 20 Years | $1,708 |
| 30 Years | $1,315 |
| 40 Years | $1,265 |
| 50 Years | $1,172 |
| 60 Years | $1,188 |
| 70 Years | $1,383 |
Elk River, MN Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Elk River, 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 | $2,286 | $372 |
| 3 Vehicles | $3,429 | $558 |
| 4 Vehicles | $4,572 | $744 |
Savings on 2 Vehicles bundle:$372
Savings on 3 Vehicles bundle:$558
Savings on 4 Vehicles bundle:$744
Elk River, 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 Elk River, MN.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Elk River | $1,329 | $2,426 |
| Nowthen | $1,365 | $2,492 |
| Otsego | $1,310 | $2,392 |
| Livonia | $1,331 | $2,430 |
| Ramsey | $1,324 | $2,417 |
| Zimmerman | $1,285 | $2,346 |
| Albertville | $1,309 | $2,390 |
| Big Lake | $1,292 | $2,359 |
Elk River, 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) | $1,140 |
| Excellent (740-799) | $1,302 |
| Good (670-739) | $1,385 |
| Average (580-669) | $1,807 |
| Poor (300-579) | $2,168 |
Elk River, 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 |
|---|---|---|---|
| North Central Insurance Agency | Travelers | 16854 HIGHWAY 10, ELK RIVER, 55330 | 763-241-7900 |
| David Curtis | Allstate | 9920 Foley Blvd NW Ste 150, Coon Rapids, 55433 | (763) 754-6636 |
| Mary Cleary | State Farm | 8500 Edinbrook Pkwy Ste C, Brooklyn Park, 55443-3735 | 763-425-0207 |
| Mary Cleary | State Farm | 8500 Edinbrook Pkwy Ste C, Brooklyn Park, 55443-3735 | 763-425-0207 |
| Duey Hoefer Lutcf | Farmers | 11244 86th Ave N, Maple Grove, 55369 | (763) 488-1700 |
| Lyudmila Lushchayeva | Travelers | 19142 IVANHOE DR NW, ELK RIVER, 55330 | 952-994-3159 |
| Darcie Steinmetz | Allstate | 8065 Brooklyn Blvd, Brooklyn Park, 55445 | (763) 488-9999 |
| Jeff Wieden | State Farm | 8148 Lakeland Ave N, Brooklyn Park, 55445-2404 | 763-566-9890 |
| Ab & J Insurance Services | Travelers | 624 CENTRAL AVE, OSSEO, 55369 | 612-242-5142 |
| First Choice Insurance Services Inc | Travelers | 11923 Central Ave, Blaine, 55434 | None |
| Eric Rhodes | State Farm | 11008 Cedar Lake Rd, Minnetonka, 55305-3368 | 952-544-1012 |
Elk River, 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 | +$58 | $1,387 |
| Driver's Failure In Showing Documents | +$129 | $1,458 |
| Driving With An Expired Registration | +$137 | $1,466 |
| Driving At A Considerably Slow Pace | +$288 | $1,617 |
| Using A Cellphone While Driving | +$304 | $1,633 |
| Running A Red Light | +$310 | $1,639 |
| Speeding | +$326 | $1,655 |
| Driving A Vehicle Without The Required Permission | +$413 | $1,742 |
| Driving With An Expired/Suspended License | +$896 | $2,225 |
Elk River, 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 | $1,276 |
| Active Disabling Device | $1,276 |
| Tracking Device | $1,249 |
| Passive Disabling Device | $1,236 |
Latest Auto Insurance Reviews in Elk River, MN | Back to Top
American Family InsuranceI am completely satisfied with American Family's car insurance offerings. They provided me with coverage at a reasonable cost in an area that other companies would not.
American Family InsuranceI am completely satisfied with American Family's car insurance offerings. They provided me with coverage at a reasonable cost in an area that other companies would not.