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

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

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


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

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

Farming Collegeville St. Martin Stearns County Wakefield Richmond
Average Insurance Rates $1,337 $1,373 $1,316 $1,291 $1,335 $1,273

Farming, 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 Farming, 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)
Farming $1,377 $1,163
Stearns County $1,576 $1,331
Albany $1,502 $1,268
Collegeville $1,740 $1,469
St. Martin $1,853 $1,565
Munson $1,672 $1,412
Richmond $1,461 $1,234
Wakefield $1,865 $1,576

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

Teenagers in Farming, 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 $4,338
20 Years $1,718
30 Years $1,323
40 Years $1,273
50 Years $1,179
60 Years $1,195
70 Years $1,391

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

Car owners in Farming, 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 $2,326 $348
3 Vehicles $3,490 $521
4 Vehicles $4,653 $695

Savings on 2 Vehicles bundle:$348

Savings on 3 Vehicles bundle:$521

Savings on 4 Vehicles bundle:$695


Farming, 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 Farming, MN.

Location Average Insurance Cost Post DUI Insurance Rate
Farming $1,337 $2,441
Stearns County $1,291 $2,357
Albany $1,278 $2,333
Collegeville $1,373 $2,507
St. Martin $1,316 $2,403
Munson $1,350 $2,465
Richmond $1,273 $2,324
Wakefield $1,335 $2,437

Farming, 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) $1,147
Excellent (740-799) $1,309
Good (670-739) $1,393
Average (580-669) $1,818
Poor (300-579) $2,181

Farming, 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
St Martin Insurance Agency Travelers 136 MAINE ST, ST MARTIN, 56376 320-548-3556
St Martin Insurance Agency Travelers 136 MAINE ST, ST MARTIN, 56376 320-548-3556
Cindy Lamont State Farm 901 3rd St S Ste 100, Buffalo, 55313-2317 763-682-0200
Duane Osgood Lutcf Farmers 3335 W SAINT GERMAIN ST STE 105, Saint Cloud, 56301 (320) 252-6095
Flagship Insurance & Financial Services, Inc. Travelers 131 6Th St N, Winsted, 55395 None
Monticello Agency Liberty Mutual Independent 3616 School Blvd, Monticello, 55362 (763) 295-4900
Citizens Insurance Agency None P O Box 339, Hutchinson, 55350 None
Farmers Union Insurance Agency None 25 Washington Ave E, Hutchinson, 55350 (320) 587-9545

Farming, 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 $1,396
Driver's Failure In Showing Documents +$130 $1,467
Driving With An Expired Registration +$138 $1,475
Driving At A Considerably Slow Pace +$290 $1,627
Using A Cellphone While Driving +$306 $1,643
Running A Red Light +$312 $1,649
Speeding +$328 $1,665
Driving A Vehicle Without The Required Permission +$416 $1,753
Driving With An Expired/Suspended License +$901 $2,238

Farming, 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 $1,284
Active Disabling Device $1,284
Tracking Device $1,257
Passive Disabling Device $1,243