Ham Lake, MN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Ham Lake, 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 Ham Lake, 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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Ham Lake, MN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

	Ham Lake	Anoka County	Blaine	Andover	Coon Rapids	Columbus
Average Insurance Rates	$1,362	$1,313	$1,311	$1,095	$1,085	$1,339

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Ham Lake, 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 Ham Lake, 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)
Ham Lake	$1,884	$1,591
Anoka County	$2,266	$1,914
Columbus	$1,548	$1,308
Blaine	$1,448	$1,223
Andover	$1,852	$1,564
East Bethel	$1,323	$1,117
Circle Pines	$955	$806
Coon Rapids	$1,269	$1,072

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

Teenagers in Ham Lake, 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	$4,419
20 Years	$1,750
30 Years	$1,348
40 Years	$1,297
50 Years	$1,201
60 Years	$1,218
70 Years	$1,417

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

Car owners in Ham Lake, 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	$2,370	$354
3 Vehicles	$3,555	$531
4 Vehicles	$4,740	$708

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Ham Lake, 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 Ham Lake, MN.

Location	Average Insurance Cost	Post DUI Insurance Rate
Ham Lake	$1,362	$2,487
Anoka County	$1,313	$2,397
Columbus	$1,339	$2,445
Blaine	$1,311	$2,394
Andover	$1,095	$1,999
East Bethel	$1,325	$2,419
Circle Pines	$1,302	$2,377
Coon Rapids	$1,085	$1,981

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Ham Lake, 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)	$1,169
Excellent (740-799)	$1,334
Good (670-739)	$1,419
Average (580-669)	$1,852
Poor (300-579)	$2,222

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Ham Lake, 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
Julie Bolt	State Farm	13412 Hanson Blvd NW, Andover, 55304-4011	763-754-4044
Rdm Insurance Agency Inc.	Liberty Mutual Independent	9201 Lexington Ave N, CIRCLE PINES, 55014	(763) 784-2426
Paul Steffel	Farmers	7029 20th Ave, Centerville, 55038	(651) 762-7801
Kevin Vote	State Farm	11115 Crked Lk Blvd NW, Coon Rapids, 55433-3436	763-755-7220
Jeffrey Hunstiger	Allstate	607 County Road 10 NE Ste 103, Blaine, 55434	(763) 780-7348
Paul Gentilini	State Farm	1425 Cn Rps Blvd NW, Coon Rapids, 55433-5386	763-755-1420
Ekblad Pardee & Bewell Inc	Liberty Mutual Independent	1959 Sloan Place Suite 130, Maplewood, 55117	(952) 679-7752
Seth Bork	State Farm	8347 University Ave NE Ste D, Fridley, 55432-1175	763-780-2222
Oakwood Insurance Agency, Inc.	None	815 152Nd Ave Ne, Andover, 55304	None
Minnesota Employers Ins Services Llc	Liberty Mutual Independent	2091 COUNTY ROAD D E STE B, MAPLEWOOD, 55109	(651) 756-1483

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Ham Lake, 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	+$60	$1,422
Driver's Failure In Showing Documents	+$132	$1,494
Driving With An Expired Registration	+$140	$1,502
Driving At A Considerably Slow Pace	+$296	$1,658
Using A Cellphone While Driving	+$312	$1,674
Running A Red Light	+$317	$1,679
Speeding	+$334	$1,696
Driving A Vehicle Without The Required Permission	+$424	$1,786
Driving With An Expired/Suspended License	+$918	$2,280

Ham Lake, 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	$1,308
Active Disabling Device	$1,308
Tracking Device	$1,280
Passive Disabling Device	$1,267

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Latest Auto Insurance Reviews in Ham Lake, MN | Back to Top